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Home sales for January 2019 are down by 3.5% and continuing from the end of 2018.  There were 1,008 homes sold in January, that's 37 less than January 2018. It is very difficult to predict the upcoming market based on January sales.  Because the winter months typically have...

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A loaf of bread used to be a nickel. A movie ticket was a dime.  Not anymore. Houses were also much less expensive than they are now. Inflation raised the price of all three of those items, along with the price of almost every other item we purchase.The reason we can still afford to consume is...

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Interest rates for a 30-year fixed rate mortgage climbed consistently throughout 2018 until the middle of November. After that point, rates returned to levels that we saw in August to close out the year at 4.55%, according to Freddie Mac’s Primary Mortgage Market Survey.After the...

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Every year around this time, we take time to reflect and plan for next year. If you are renting your current home but have dreams of homeownership, your plan for the new year may include buying, and you wouldn’t be alone!According to the 2018 Bank of America Homebuyer Insights Report,...

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Give your house an annual physical. Here's what to look for.Use this detailed DIY home inspection checklist as a guide as you look around for leaks, cracks, breaks, wear, and every other conceivable problem that can develop over the year. Then make a repair list to keep up on maintenance in the...

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The process of buying a home is a very involved one, and can be daunting, especially for first-time buyers. It's often a whirlwind of paperwork, credit reports, and scrambling to tie up loose ends.One of the biggest factors that goes into calculating your monthly mortgage payment (other than...

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Tired of running out of hot water? That’s not a problem with one of these compact, ultra-efficient units that heat water as you need it. Here’s what you need to know about choosing, installing, and living with one Think about it: The way most households in this country heat...

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Chances are if you are renting you are spending too much of your income on your monthly housing expense. There is a long-standing ‘rule’ that a household should not pay more than 28% of their income on their rent or mortgage payment. This percentage allows the household...

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Marciniak Team

Marciniak Team

Phone414-604-1427