No matter what the climate of the real estate market is, there are several factors that have been around forever that will have a direct affect on home values. Everyone is aware that an over abundance of foreclosure properties in a particular neighborhood will bring market values down while a short

Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we're paying every month, it's easy to throw our hands up in disgust. But what about

Winter is a few months away but, for some people, it has already arrived although unexpectedly. Once the days have started to get shorter, it is never too early or too late to prepare for the winter months. If not

Eight months ago, the stimulus package went into effect and still, today, there is approximately 48% of these funds that has not been spent. Can you use some of this money? Whether you are planning to purchase your first home or you already own a home,

There are many things going on today in the real estate and mortgage arena. We are more than two years into this recession and the housing market is no where close to coming back to a reasonable level. The market is still saturated with foreclosures and short sales and now, rental units are abunda

As the New Year approaches, it is only natural that we reflect upon the past year and what has happened in our lives. Probably for the many, it has not been the best of years.