Category Archives: New Home Features

Tips to Make Your Roof Last as Long as Possible

If you pay for something for 15 ,20, or 30 years, the typical loan term, you want to make sure it lasts.

Good roof

The article give several, easy tips to maintain your home’s roof so it stays the valuable asset you purchased.

Here.

Don't let your roof get like this....

Don’t let your roof get like this….

If you are buying a home and getting a home mortgage, the roof is examined as part of the appraisal.  The appraiser has to look at the home’s roof and make a statement if they think the roof has a remaining life of at least two years.  The appraiser is not a roof inspector, and will state that and the buyer should get a certified roof inspection if they are concerned about the remaining life of the roof.

If you are selling a home, consider this and make any necessary repairs before you list the home so your buyers loan doesn’t have problems that come up in the appraisal stage.

                               For more information about the appraisal process , go here.

Some loan programs allow for roof replacement and repairs, the FHA 203k and Fannie Mae Home style renovation.

Still, most people won’t have roof issues when they buy a home if they take a good look at the roof for sagging, missing shingles or other signs.  When in doubt, get an inspection it’s very inexpensive assurance in the long run.

After all, if you get a home loan and make mortgage payments for 15,20, or 30 years, you want to enjoy it after you have paid off your home.

 

 

 

 

 

 

Electronic and smart locks for your home, they are here!

Here is a new article, on my other site:

http://loansbyrogerhowell.com/electronic-and-smart-locks-for-your-home/

smart locks for your home

Electronic locks

The days of leaving a spare key under a rock in your yard may be over.  Thanks to the amazing power we now hold in our hands, the smart phone, we can lock, unlock and monitor our homes without having to carry a key.

Already, my newest car has a fob instead of a key and its a natural step to put the electronic lock into your home.

Electronic locks are not new, I have a couple older ones sitting in my shed. They were quite useful for rental homes, new construction, or homes we would fix and flip.  You would set the code and give it out to whoever needed it.  After the project was done, or the home was rented, you changed the combination.  This is much less expensive than a locksmith and the lock could be taken to a new property if needed.

Some people might be concerned about the electronic nature of securing our homes, but is your home really secure with a manual lock and key when anyone could probably enter by way of a window and rock?  If your phone is dead or power goes out, there would be a back up using a traditional manual key.

If you want a new home with all the latest features like electronic locks, we can get you pre-approved quickly and before you know it, you will be moving into the new home.

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