Monthly Archives: June 2010

Seller Financing

Posted by JD Esajian // June 30, 2010

When a property owner agrees to payment of a portion of a home’s purchase price over time, with the debt to the seller registered on the title as a mortgage, it’s known as seller financing, a vendor take-back mortgage or a purchase-money mortgage. This is a home-financing strategy in which you the buyer borrow from the seller instead of or in addition to a bank or traditional lender.

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Curtain Rod Options

Posted by JD Esajian // June 29, 2010

Plain Rods – Buy these rods in the size range that includes your window’s width, they adjust lengthwise. A single rod holds one curtain with a casing or rod pocket at the top, a double rod holds two curtains or a curtain plus valance.

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Subprime Mortgages

Posted by JD Esajian // June 27, 2010

It gets worse with a score of 620 or lower. You are stuck in the subprime mortgage market. That means your scores are not high enough to qualify for a mortgage that can be purchased by Fannie Mae or Freddie Mac, the government-sponsored corporations that buy mortgages and resell them on Wall Street.

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Getting Your Credit Reports

Posted by JD Esajian // June 25, 2010

The FTC or Federal Trade Commission requires each of the credit Bureaus Experian, Equifax and TransUnion to give consumers one free credit report per year for a total of three free reports each year. But you have to ask for them. You can get your free reports by going online to Don’t go directly to the credit report companies, they’re geared toward selling you reports.

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The Importance of Location in the Homebuying Process

Posted by JD Esajian // June 11, 2010

As a new home buyer you will want to integrate these famous saying in the real estate profession: “location, location, location.” Integrate these into your search process because location will play an integral role in your selection. Going beyond the home itself, factors like area schools, neighborhoods, quality of life, surrounding developments and businesses as well as roadways will also play an important part in your ultimate decision.

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Washing and Repairing Window Blinds

Posted by JD Esajian // June 10, 2010

Aluminum and vinyl blinds of a manageable size can be taken down and washed in the bathtub. Mix a mild detergent with water and scrub blinds with a sponge. Once clean, rinse them with water. Let them dry thoroughly, partially drawn up and flat in the tub, before reinstalling. You can speed up the drying time with a hair dryer.

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Information Needed To Obtain A Mortgage Online

Posted by JD Esajian // June 9, 2010

Each online lender has different application requirements. For example, if you visit which is one of the internet’s better known lenders, they have revealed a checklist of items to bring with you when you are ready to sign up.

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Window Blinds

Posted by JD Esajian //

Blinds are commercially made window coverings that can have either vertical or horizontal slats, have an accordion or honeycomb construction or are woven from natural or synthetic reeds. In one style, slats are sandwiched between two sheer fabric layers that diffuse light when the slats are open. In yet another style, slats are laminated vertically to a single fabric layer for a curtain effect.

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Hybrid Loans and Jumbo Loans

Posted by JD Esajian // June 7, 2010

Hybrid loans won’t save you quite as much money as pure ARM (Adjustable-Rate Mortgage) but they are cheaper than a 30-year fixed rate mortgage and they limit your risk. They are especially popular among buyers who don’t plan to be in their new home for more than ten years. Hybrids give you a fixed interest rate for the first three, five, seven or ten years of the mortgage.

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Periodic Maintenance and Repair of Area Rugs

Posted by JD Esajian // June 4, 2010

Hand-painted canvas floor-cloths are very easy to care for. Newly made ones will most likely be painted with acrylic or latex paints and finished with several coats of polyurethane. A damp mop or sponge will quickly clean the surface. However, if you own an antique floor cloth, avoid water and clean with a dry dust mop or the dust attachment on a vacuum cleaner because the finish is likely a varnish incompatible with water.

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