Life Hacks are not just for adults.  There are a few tricks that can apply to your daily life to organize and protect it.   Hopefully you find these useful! 1. Use plastic cups to cover hands. 2. Recycle coffee cups as paint and brush holder in one. 3 .Remove glassware rings with toothpaste. 4.…

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Cooking is an inevitable part of household life, so here are a few ways to make easier. 1. Put ice cream in a bag before putting it in the freezer Ice cream can get rock hard in the freezer and it takes ages to thaw out just enough that you can eat it. A simple…

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Everyone loves life hacks, they simplify our lives.  Sometimes in the most obvious ways to.  So here are a few tips from Justin Scott on how to make your house a home.  Hopefully you can take a few of these and make your life a little bit easier in the long run. 1) Wall Decoration…

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The holidays are a mix of emotion, much like buying a house, you’re looking forward to the traditional family gathering, but loathing the endless preparation it takes to executive such a feat.  You’re hoping travel plans go accordingly, and there are no significant “blow ups” when your mother and uncle reunite for the first time…

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Locking your mortgage rate has traditionally been done after you get an accepted offer.  Which means you likely have gone through the pre approval process, you’ve discovered what your payments will be, how much you qualify for and all the Mortgage details.  But what if you have been looking at homes for 6 months?  With…

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Heating your home can be one of the higher expenses families in Wisconsin face, and if you don’t qualify for energy assistance or you don’t live in an energy efficient property, it can be rough.  Here are 10 ways you can save on your winter heating bill:   1. Use the sun for free heat. That…

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Because it determines what the house is worth and if you can proceed with the home loan, it tends to cause a significant amount of worry to my clients.  Regardless there always questions associated with your appraisal and please read on in an effort to clarify some of them:   What Is a Home Appraisal?…

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Did you know mortgages do not necessarily come in the standard 10, 15, 20 and 30 year terms anymore?  As business evolves so don’t the products and the way they’re structured.   It used to be you could apply for a 20 year mortgage if you didn’t want the higher payment of a 15 year,…

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Every day mortgage rates change, sometimes by a little, sometimes by a lot, they are determined by a government agency known as the federal reserve, they meet several times a year and you can view their schedule here.   This is the entity that gauges how much money will cost to the larger banks and…

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L.L.P.A’s (Loan Level Price Adjustments) are the algorithms that determine what a borrowers rate will be based on credit score, down payment and type of loan.  Below is a grid for Conventional loans L.L.P.A’s per Fannie Mae Guidelines.     The left most column is credit score, varying between 620 and 740 in increments of…

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