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Tanjy Thomas's Blog Posts

Tanjy Thomas's Blog Posts

1st Time Home Buyer
Be Prepared for Closing CostsWhen you are financing a home purchase rather than paying cash, you need to be prepared to pay some initial fees aside from your first monthly mortgage...

Mortgage Mistakes To Avoid
Buying a home is the most expensive purchase we will ever make, and a mortgage is probably the biggest debt we will ever carry.That’s why it’s very important to avoid mistakes ...

10 FHA Guidelines Every Home Buyer Should Know
Unlike a conventional loan, an FHA mortgage is backed by the federal government. Simply stated, lenders have some protection offered by the government in the event t...

Heres How To Buy A Home With A Lot Less Down
One of the biggest misconceptions of home buying? The 20% down payment.EmaiImage: EntrywaysIf you’re itching to buy your own home sweet home, consider some nontraditional wa...

How To Keep Home Maintenance Costs Under 300 A Year
A little TLC maintenance goes a long way toward staving off expensive repairs.PrintEmailSpending time now on minor exterior touch-ups — like replacing caulk and refreshing paint ...

Important Things You Need To Know About Your Credit Score
You might think that everyone understands credit scores. But you’d be wrong. According to an article I read recently, there is a great deal of confusion about credit scores.Why i...

Are You Entitled To A Property Tax Exemption
Depending on where you live, you may quality for tax exemptions when you fix up a residential property. Image courtesy of Exit Trinity RealtyNobody likes paying a dime ex...

Keep Your Home Safe And Sound This Season
Don’t let a Grinch ruin your Christmas. It's hard to believe, but burglars do target homes during the holiday season, knowing there are gifts to be stolen inside. Protect yo...

How To Choose A Secured Credit Card To Raise Your Score
There are lots of reasons that that someone may have a low credit score. First, there are young adults and recent immigrants who have limited credit histories. Second, th...

Do You Really Need To Clean Your Air Ducts
Contrary to popular belief...there aren’t any health benefits linked to cleaning air ducts, but having a pro remove gunk can boost the efficiency of your HVAC.Dirty air ducts don...

Is Bankruptcy A Solution For Your Debt
Filing for bankruptcy has been compared to rolling a hand grenade into you credit report. It’s the equivalent of bringing out the “big guns” because it’s the most extreme m...

9 Ideas To Make Your Home More Welcoming And Efficient
The Warm and Cozy HomeNo chimney? No problem! An eco-friendly, ventless gel fireplace, like this custom model, provides roaring flames without the smoke of a traditional wood firep...

Home Warranty Vs Home Insurance
Do They Differ?Owning a home is expensive. As a homeowner, you may find yourself faced with large, unexpected bills for repairing your home, protecting your personal possessions or...

HVAC Maintenance Checklist
Here’s an easy, doable preventative maintenance checklist to keep your HVAC in top shape. Effort: Low 1-3 hrs/yr Experts...

Want The Look And Feel Of A Real Fireplace
Electric fireplaces..Electric fireplaces can have the look and feel of a real fireplace, but at a fraction of the cost. Image: ElectricFireplacesDirect.comSparking the mood for lov...

How To Tighten Up Your Home For Warmth And Energy Savings
Why is My Home Freezing (and How Do I Fix It)?If your home feels chilly even when the heat's on, chances are your house has an air leak or two. Image: Paige French/Offset.comIf you...

7 Columbus OH Tourist Attractions To Visit
Columbus, the capital of Ohio has been named after Christopher Columbus and was founded in the year 1812. There are number of exotic landscapes and features in this city which is a...

203k And What It Can Do For You
Whether you are looking at a Foreclosed Home, Bank REO, a Short Sale, or any home really, you need to be aware of the FHA 203K Program.  The general condition of real estate h...

Cleaning Your Kitchen Appliances The Easy Way
If Mr. Clean isn’t magically popping into your kitchen to make it sparkle, you still can get that clean satisfaction with these easy appliance cleaning tips.If your metal drip pa...

Tips To Make The Most Of A Sale Or Purchase In A Sellers Market
In a market with limited inventory and lots of willing and able buyers, we find a hot sellers’ market. Phrases such as “bidding wars” and “non-contingent offers” are musi...

5 Biggest Home Buying Fears And How To Face Them
It’s natural to feel a little apprehensive when making a major purchase, but home buying shouldn’t scare you out of your wits!Buyers’ biggest real estate fears sometimes hold...

5 Fall DIY Maintenance Projects
As fall begins, everyone enjoys lazing in the last of the year’s warm, sunny days. But within your "fall" bucket-to-do list..a number of chores should be tackled before...

FHA 203K Renovation Loan Basics
How Do I Know I Need an FHA 203(k) loan?QUESTION: I am a first-time home buyer pre-approved for an FHA loan. I’m looking at a short-sale property, and upon the initial viewi...

The Earnest Money Deposit
What you should know.. The earnest money deposit is an important part of the home buying process. It tells the seller you’re a committed buyer, ...;

Its Allergy Season
8 Ways to Allergy Proof Your HomeI have learned from personal experience that it doesn’t take much for my allergies to go haywire at home from the dust and dander that build...

How Do I Dispute An Error On My Credit Report
When you get your credit report, you may find information on it that is not correct. When that happens, you’ll need to understand how to dispute an error on your credit report. H...

Fast Fixes For Common Gutter Problems
Maintaining gutters is the most important thing you can do to prevent water damage to your home.Mesh covers keep debris from clogging gutters, but they can sometimes be more expens...

8 Remodeling Choices That Keep The Home Maintenance Monkey Off Your Back
These 8 worry-free materials make maintaining your house a breeze, giving you the leisure time you deserve.Image: Stl Siding ProsFiber-cement is the best low-maintenance optio...

5 Maintenance Tasks To Ignore At Your Peril
These 5 critical maintenance jobs; left undone, could cost you thousands.Foundation cracks are among the most expensive problems to repair in your home. Image: Basement System...

How Do I Get My Free Annual Credit Report
Hmm..Do you want to check your free credit report for mistakes or fraud? Or do you want to know what lenders see when they review your credit? If so, you may be wondering...

Are You In Need Of A Realtor
How to Find a REALTOR® ByTanjy Thomas Before placing a home on the market or setting out to find the perfect new home, you should identify REALTORS® in your commu...

Tips In Understanding Real Estate Lingo
A Short Guide to Real Estate Lingo ByTanjy Thomas Reading real estate advertising acronyms can sometimes feel like trying to parse ancient Greek: EIL with a W/D? LR...


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