Jim O'Dowd
(615) 604-2100
(615) 371-1544

The NEW standard in Real Estate services!

Jim O'Dowd
Jim O'Dowd
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Jim O'Dowd

Equal Housing Opportunity and Realtor

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Blog

Home Buying

Should You Consider A Condominium Or TownhomePosted on June 05, 2017

Should You Consider A Condominium Or Townhome?

If you are buying a new home on a tight budget, one of the options that will come to your attention is purchasing a condominium or townhome instead of a standard single family home.


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Home Buying Negotiating TipsPosted on May 01, 2017

When it comes to buying a home, the ability and willingness to negotiate is a must for both the buyer and seller.


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How Much House Do You NeedPosted on April 03, 2017

While it may be nice to have a home with five bedrooms, an eat-in kitchen, and a four-car garage, how many of us really need this much space?  The best approach is to look at a few particular aspects of your life and lifestyle to make the right choice.


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Buying A Foreclosed Property - What You Should KnowPosted on March 20, 2017

Given the recent state of the economy and the rising rate of mortgage foreclosures, the number of properties available at rock bottom prices is at an all time high.


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When To Consider Raising Your Home Buying BudgetPosted on January 16, 2017

When To Consider Raising Your Home Buying Budget

Setting a budget for your home purchase is an important decision.


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What A REALTOR Can Do For You As A BuyerPosted on October 10, 2016

When we think of selling a home, the services a REALTOR® can provide usually seem worth the cost of their commission, but what about as a buyer?  What can a REALTOR® do for you as a home buyer, and is the commission worth the services they can provide?  Here are five great reasons you should hire a REALTOR® when you are in the market for a new home!

REALTORS® Can Help You Determine Your Budget—With a few simple pieces of information, a REALTOR® can help you pre-determine what kind of budget you may be looking at for your new home, and can match you with potential lenders that are right for you.


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Choosing A REALTOR You Can TrustPosted on July 18, 2016

Choosing A REALTOR® You Can Trust

When it comes to shopping for a home, especially if you are buying for the first time, having an agent on your side is extremely helpful.


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Earnest Money DepositPosted on June 27, 2016

An earnest money deposit, also known as a good faith deposit, is a specific dollar amount that a potential buyer pays to the seller in an effort to display their serious interest in a property.


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Homeowner’s Associations - What You Need To KnowPosted on June 06, 2016

Homeowner’s Associations: What You Need To Know

As you begin looking for a home to purchase, you will start to come across houses that have a homeowner’s association.


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Examining A Home Objectively - What Matters And What Doesn’tPosted on May 16, 2016

Examining A Home Objectively: What Matters And What Doesn’t

Everyone heads out to look at potential homes with a list of the things they want in a house, and a list of the things they definitely do not want.


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Buying Verses Renting A HomePosted on April 25, 2016

When it comes to a home, you have two options: buy or rent.


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A Single Woman’s Guide To HomeownershipPosted on February 29, 2016

The traditional view of home ownership usually includes a married couple, but times have changed, and more and more single women are entering the housing market.


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Home WarrantyPosted on January 25, 2016

A home warranty plan, also known as a home protection plan, is a service contract that offers homeowners a way to safeguard themselves against possible breakage or a malfunction within the home.


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What Is A Property SurveyPosted on January 04, 2016

When purchasing a home, especially for the first time, you are going to encounter a lot of terms and jargon you may never have heard before.


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Buying A Fixer-Upper - Are You Ready For The WorkPosted on December 28, 2015

Always dreamed of renovating a home exactly to your specifications, or have you found an older house that is structurally sound but needs a lot of work inside?  Perhaps the price is right and you can’t resist all that house you can get for your money.


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Buying Your First HomePosted on November 30, 2015

Now that you’ve made the decision to purchase your first home, a hearty congratulations is in order!  Becoming a homeowner, especially for the first time, can stir up some feelings of anxiety and excitement.


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Finding Your Perfect HomePosted on November 23, 2015

As the old saying goes, real estate is all about location, location, location.


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Home Buying ChecklistPosted on November 09, 2015

Once you’ve made the decision to buy a home, it’s time to start thinking about what comes next.


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What To Consider Before Buying An Older PropertyPosted on June 22, 2015

Whether it’s the character and charm of an older home with its original features, hardwood floors, and wood burning fireplace, or the quaint historic feel of the neighborhood in which it is found, there is a certain appeal to older property.


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Buying A Home Long DistancePosted on June 01, 2015

The process of purchasing a home can be a complicated and stressful experience, but if you have to purchase a new home in another city the experience can become even more complicated.


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Understanding Buyer Closing CostsPosted on March 02, 2015

Most people who are in the market for a new home are aware of the costs associated with purchasing a home and moving, but closing costs can be expenses that may be overlooked, especially for first-time home buyers.


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Buying A Home That Can Grow With Your FamilyPosted on December 08, 2014

If you are a first time homeowner, or are purchasing a home after a major life change such as marriage or having children, what should you consider to be sure your new home can grow with your changing family?  The time and effort that go into purchasing and decorating a new home, not to mention finding it in the first place, means that you’ll want to ensure that your home will be right for you and your family for years to come.


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How Much Yard Do You NeedPosted on December 01, 2014

How Much Yard Do You Need?

You probably have spent a good deal of time considering how much space you need inside your home, but what about how much space you need on the outside of it?  House hunting with an idea of the square footage you are seeking is a good idea, but in addition to that you should have an idea of how much yard space you will need around your new dwelling as well.


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Is An Income Property Right For YouPosted on November 24, 2014

The appeal of income properties and the potential for what may seem like easy money and early retirement have likely crossed the mind of anyone who has heard of this business venture.


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Negotiating Contract Contingencies From The SellerPosted on November 17, 2014

When the housing market is up and sales seem to favor sellers rather than buyers, negotiation contract contingencies may seem like a lost cause.


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Making An Offer - Negotiating Your Buying PricePosted on September 15, 2014

Making An Offer: Negotiating Your Buying Price

There is perhaps no more exciting and nerve-wracking time in the home buying process than when you decide to make an offer on a home.


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A Nice Home Or A Nice Neighborhood - Which Matters MorePosted on August 18, 2014

A Nice Home Or A Nice Neighborhood: Which Matters More?

When you start shopping for a home, you probably have a very specific image of what you would like that home to look like.


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How To Handle A Bidding WarPosted on June 30, 2014

So you have found the home of your dreams, it has all the features you want, and it is in the right neighborhood.


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Buying A Home With Bad CreditPosted on June 30, 2014

When it comes to buying a home, having bad credit is not the end of the world.


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Home Selling

Ten Tips To Successfully Market Your HomePosted on June 19, 2017

There is a lot more to putting your home up for sale than placing a sign on the front lawn.


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Five Steps To Holding A Successful Open HousePosted on June 12, 2017

An open house is one way that REALTORS® attempt to expose a home to multiple buyers at once.


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When Is The Right Time To Reduce The PricePosted on April 10, 2017

Every homeowner must set an asking price when listing their home on the market, but what happens when you don’t receive any offers?  Just as it’s important to know when it’s time to sell, it’s important to recognize the right time to reduce the price.


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Selling A Home When You Have KidsPosted on March 27, 2017

Selling A Home When You Have Kids

Selling a home is stressful for everyone, and having young children in the house can add to the stress for the parents.


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Are Your Neighbors Affecting Your Home’s ValuePosted on January 30, 2017

You have put your home up for sale and done everything your agent has advised you to do to prepare your property for sale, but still no offers have come in.


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Simple Ideas To Make Your Home More Welcoming To BuyersPosted on January 09, 2017

Simple Ideas To Make Your Home More Welcoming To Buyers

It may seem obvious, but many sellers fail to recognize that a home that feels, looks, and smells welcoming and homey will more likely raise a buyer’s interest when they come for a showing.


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Sell Or Remodel - Which Is Right For YouPosted on December 12, 2016

Whether the initial love has faded, or your home just doesn’t work for you and your family anymore, deciding between selling your home and remodeling can sometimes be a difficult decision.


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Negotiating With A BuyerPosted on December 05, 2016

Negotiating With A Buyer

Depending on the market in which you are selling, your position in the negotiations with a potential buyer can be either a very comfortable one or a difficult one.


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Selling Your Home During The HolidaysPosted on November 28, 2016

The process of selling your home at any time of the year can be a stressful experience, but if you are trying to sell your home during the busy holiday season it may seem to be almost impossible.


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Sell Your Home Fast - Five Tips To Get A Fast SalePosted on October 17, 2016

The process of selling your home can be a stressful and time-consuming event.


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Marketing TipsPosted on October 03, 2016

If you want potential home buyers to fall in love with your house, they first have to know it’s for sale.


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Staging An Open House That Won’t Cost You A FortunePosted on March 28, 2016

If you are thinking of putting your home up for sale, or already have your property listed, you may want to consider hosting an open house as part of your marketing strategy to get your home sold.


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Pricing Your Home To SellPosted on February 08, 2016

In addition to location and condition, the asking price of a home is at the top of the list of important considerations.


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Home Staging - Should You Hire A ProfessionalPosted on November 16, 2015

Home staging is the latest trend in real estate, and if you are selling your home you are likely at least aware of what this growing practice involves.


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How Long Should You Keep Your Home On The MarketPosted on October 05, 2015

How Long Should You Keep Your Home On The Market?

Many a home seller has been there—the house has been on the market for months and there is no sign of a sale.


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Selling A House With Pets At HomePosted on August 24, 2015

When we have pets, they quickly become a part of our family.


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What Are LockboxesPosted on August 03, 2015

When a homeowner lists their house with a REALTOR®, they may choose to store their house keys in the lockbox for easy access for the REALTOR® showing the home.


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When Should You Accept A Low BidPosted on June 08, 2015

If you are selling your home and are motivated to get the deal done quickly, you may be tempted to accept a low bid.


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Top Ten Home Showing TipsPosted on May 25, 2015

Showing your home is essential in the real estate business.


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Home Seller Disclosure ObligationsPosted on May 11, 2015

Anything that could be potentially harmful to the new occupant or the home itself must be addressed in the seller’s disclosure.


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Avoid The Most Common Mistakes When Selling Your HomePosted on April 20, 2015

Here are the most common mistakes people make when selling their property.


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What Season Is Best To SellPosted on April 13, 2015

What Season Is Best To Sell?

So you are ready to sell your house, but you look out the window and see several feet of snow on the ground.


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Getting Your Home Ready To SellPosted on March 23, 2015

You would never dream of inviting guests to your house without making certain preparations, so don’t invite potential buyers without first making the necessary updates by preparing your home to sell.


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Protecting Your Privacy While Your Home Is On The MarketPosted on March 16, 2015

Selling your home can cause potential anxiety about your personal privacy.


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Should You Show An Empty HomePosted on February 16, 2015

Should You Show An Empty Home?

If you have already moved out of the house you are selling, you generally have two choices.


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Choosing The Right Listing AgreementPosted on February 02, 2015

When listing your home with a REALTOR®, you will be required to sign an agreement.


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The Home Remodels That Will Most Increase Your Selling PricePosted on January 19, 2015

The Home Remodels That Will Most Increase Your Selling Price

So you are ready to sell, but you know that there are a few things in the home that could stand some updating in order to increase your selling price.


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Creating Curb AppealPosted on December 22, 2014

If you’re selling your home, there are a number of things you can do to improve your property’s potential value and appeal.


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Quick Clutter Fixes For Unexpected ShowingsPosted on December 15, 2014

Quick Clutter Fixes For Unexpected Showings

When you have to continue living in a home at the same time you are trying to sell it, keeping it ready for a showing at any time can be a challenge.


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Selling Your Home - Why You Need A REALTORPosted on October 20, 2014

The temptation to save yourself the cost of hiring a real estate agent when selling your home can be overwhelming, and with more websites, books, and other resources popping up that claim to give you all the know-how and tools you’ll need to sell your home yourself, why should you consider hiring a REALTOR® at all?  Like any job that requires a lot of insider knowledge and experience, hiring a REALTOR® will ensure that you are getting the best price for your house with the minimal amount of work and worry.


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Five Things You Should Put In Storage While Selling Your HomePosted on July 07, 2014

Five Things You Should Put In Storage While Selling Your Home

When your home is on the market but you are still living there, you can’t very well make it a model show home.


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Home And Garden

Sealing Your Windows And Doors Against LeaksPosted on May 08, 2017

Sealing Your Windows And Doors Against Leaks

When it comes to making sure your home is energy-efficient as well as keeping it at a comfortable temperature throughout the year, there are few things as simple as looking to your windows and doors to make a big difference.


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Decorating With PlantsPosted on April 17, 2017

When choosing a style of furnishing, color scheme, or fabrics for your new home, or when redecorating a room, plants often do not immediately spring to mind when considering what you need to complete your space.


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Using Your Fireplace SafelyPosted on February 27, 2017

Using Your Fireplace Safely

A fireplace is a great feature in any home, and can create that warm, homey feeling on a cold winter evening that every homeowner dreams of.


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Hot Decorating TipsPosted on February 06, 2017

Let’s face it.


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Tips On Setting Up Your Outdoor Music SystemPosted on January 02, 2017

If you are planning to entertain outdoors, then you may also be considering the addition of an outdoor music system to help complete your theme.


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Swimming Pool Safety TipsPosted on December 26, 2016

Summer is a special time for having fun in the backyard pool, yet drowning is a leading cause of accidental death.


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How To Successfully Set Up A Freshwater AquariumPosted on November 07, 2016

An aquarium is designed to simulate a natural environment for freshwater life.


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Home Safety TipsPosted on October 31, 2016

Your home is your haven and, as such, it should be a place where you feel safe.


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Tips On Saving Energy And Money At HomePosted on September 19, 2016

When you save on energy, you also save money.


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Attracting Birds To Your BackyardPosted on September 12, 2016

Bird watching is a popular past time that is shared by many, but what if watching your fluttering friends was as simple as peeking into your backyard?  Thanks to a few landscaping techniques, you can trade in your binoculars for a lawn chair and enjoy bird watching from the convenience and comfort of your own home.


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Tips To Make Your Move EasierPosted on September 05, 2016

Moving can be a stressful time, however, there are several things that you can do to make your move a smooth one.


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Ideas For Organizing Your GaragePosted on August 08, 2016

Believe it or not, your garage is not only made to house your automobiles.


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Solar Lighting For Your YardPosted on June 20, 2016

Solar Lighting For Your Yard

One of the simplest, most economical and also eco-friendly ways to provide lighting in your yard is to use solar lights.


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Build Your Own Deck - Choosing The Right MaterialsPosted on June 13, 2016

A backyard deck is a great way to not only improve the value of your home, but also make your outdoor living space more enjoyable for you and your family.


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Choosing The Best Lighting For Your SpacePosted on May 30, 2016

Whether it is a romantic dining room or a home office, finding the right lighting for each space in your home is essential to making it functional and inviting.


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How To Start A New GardenPosted on May 23, 2016

Congratulations on your decision to start a new garden.


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Unclutter Your Home In Ten Easy StepsPosted on May 09, 2016

Clutter, which is defined as things that lie about untidily, is often linked to creativity.


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Building A Home TheaterPosted on May 02, 2016

These days, a home theater is one of the most popular trends in the nation.


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Ten Most Forgotten Items During A MovePosted on April 11, 2016

When moving day arrives, there’s nothing quite like the nagging feeling that you’re forgetting something.


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Maintaining Air Quality In Your HomePosted on April 04, 2016

Maintaining Air Quality In Your Home

Whether you have allergies or simply prefer knowing that the air in your home is as clean as you can make it for better health, achieving and maintaining good air quality is an important issue.


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De-clutter Your KitchenPosted on March 14, 2016

Who hasn’t had a cupboard full of Tupperware come crashing down on their head?  And don’t we all have a drawer in our kitchen that holds every scrap of paper and useless knickknack we have ever owned?  While kitchen clutter may be a universal truth, it can also make using your kitchen a time consuming and frustrating task.


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Make Gardening A Family AffairPosted on February 01, 2016

As adults, we often assume that gardening is designed exclusively for us.


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Ways To Reduce Your Heating BillPosted on January 11, 2016

When the temperature outside begins to fall, our heating bills quickly start to rise.


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Do-It-Yourself Pest Control TipsPosted on December 21, 2015

A pest is not just a word that’s used to describe an annoyance; in fact, it’s also the term given to a destructive animal that destroys crops, food and even livestock.


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Ten Things Every Gardener Should KnowPosted on December 14, 2015

Gardening is a fun way to enjoy the outdoors, but it is also a livelihood for many.


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The Latest In Window TreatmentsPosted on December 07, 2015

Long gone are the days of plastic vertical blinds and grandma’s lacy curtains.


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Decorating For Small SpacesPosted on November 02, 2015

Decorating For Small Spaces

If you live in a smaller home or condo, you face some particular decorating challenges.


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Patio Decor IdeasPosted on October 19, 2015

A patio offers a relaxing way to enjoy the outdoors while still getting a sense of home.


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Is A Pool Right For Your PropertyPosted on October 12, 2015

The cool refreshing look of water on a hot summer’s day can make any homeowner wish they had a pool in their backyard, but making the decision about whether a pool is right for your property is more complicated than buying an inflatable bed with a cup holder.


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Using Bright And Bold Paint ColorsPosted on September 21, 2015

Homeowners who are thinking of selling are often warned against choosing bright and bold paint colors for their walls.


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Family Three-Day Home Emergency KitPosted on September 14, 2015

Every home should have an emergency kit.


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Hanging Pictures 101Posted on September 07, 2015

A home is a place where we create precious memories with those that we love, which is why photos are a big part of what makes a house into a home.


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How To Care For Your LawnPosted on August 17, 2015

If you love your lawn, it’s only natural that you would want to give it the proper care to help give it a healthy appearance.


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Hot Tub Purchasing TipsPosted on August 10, 2015

Let’s face it, most of us have at some point thought about the luxury of spending relaxing and romantic evenings soaking in our very own hot tub.


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Ways To Make Your House Smell GoodPosted on July 27, 2015

If you want a house to smell clean, you clean it.


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How To Choose The Perfect GrillPosted on July 20, 2015

When choosing the perfect grill, it’s important to understand the different types and their functions, but also how each relates to your particular needs.


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Childproofing Your HomePosted on July 13, 2015

When it comes to decorating your home, there’s a lot more to consider than simply coordinating your window treatments with your carpet.


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Getting Your Garden Ready For WinterPosted on May 18, 2015

The beauty and relaxation that your garden can provide you and your family is certainly worth all the work you put in each year.


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The Best Ways To Reduce Your Water BillPosted on May 04, 2015

The Best Ways To Reduce Your Water Bill

Although a lot of the energy efficiency efforts tend to be focused on saving on electricity bills, you can also save a lot of money on your water bill and save water, too, with only a few simple steps.


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Your Home First Aid Kit - Ten Must HavesPosted on April 06, 2015

It’s a known fact that the majority of accidents occur at home, which is why every household must be equipped with a first aid kit complete with all of the essentials needed to handle life’s unexpected and unfortunate events.


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Home Theater Tips And TricksPosted on March 30, 2015

Home Theater Tips And Tricks

With home entertainment equipment becoming more and more advanced and the cost of going out for entertainment making it less realistic for many people, creating the perfect home theater is on the list of many homeowners.


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Storage Solutions For Your Child’s ToysPosted on February 09, 2015

Storage Solutions For Your Child’s Toys

If you have children, you know how quickly they can accumulate toys and other items.


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Simple Ways To Add A Splash Of Color To Any RoomPosted on January 05, 2015

Simple Ways To Add A Splash Of Color To Any Room

If you are feeling a lack of color and vibrancy in your décor, but don’t have a lot of time or money to put into redecorating, you can still make a big difference.


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Home Security TipsPosted on November 03, 2014

Making sure that your home is secure should be a priority in your life not only because you want to protect what’s rightfully yours, but more specifically because it could be the most important thing that you do for your family and for yourself.


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Defining Distinct Spaces In A Large RoomPosted on September 22, 2014

While open-concept homes seem to be the popular trend in the home construction industry, sometimes decorating for large spaces can be a challenge.


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How And When To Prune RosesPosted on August 25, 2014

To many, a rose is one of the most beautiful flowers in existence.


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Maintenance Tips For Your HomePosted on August 11, 2014

Whether it’s spring, summer, fall or winter, it’s important to take the necessary steps to keep your home standing tall every day.


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Decorating Ideas For Boys' RoomsPosted on August 04, 2014

If you have a room that requires a masculine touch, don’t fret.


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Backyard Summer Entertainment IdeasPosted on July 28, 2014

When it comes to entertaining outdoors, there’s no place quite like your very own backyard.


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Green Laundry Tips - Save Money And The EnvironmentPosted on July 21, 2014

Let’s face it—two of the biggest issues most of us face in today’s world are concerns over the environment and the economy.


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Watering Your Lawn The Right WayPosted on June 30, 2014

When it comes to watering your lawn, the who, what, when, where and why rule applies.


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Can A Bathroom Remodel Increase Your Home’s ValuePosted on June 30, 2014

When you are planning to sell your home, a bathroom remodel may be one of the best places to increase your home’s value.


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Safety Tips For Barbeque And GrillingPosted on June 30, 2014

A barbeque is an outdoor meal or party at which food is prepared on a rack over a grill.


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Financing Articles

Buying A Home With Past Credit ProblemsPosted on May 22, 2017

Buying a home can be both exciting and stressful but, for those with past credit problems, the process may also seem intimidating.


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Fixed Mortgage Vs. Variable Rates - Which Is Right For YouPosted on May 15, 2017

With all the financial decisions that need to be made when purchasing a home, choosing the options that make the best sense for you can seem overwhelming.


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Shopping For The Best Home LoanPosted on December 19, 2016

Finding the perfect home is a task, but shopping for the best home loan can be even more tedious.


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Will You Qualify - What You Need To Get A MortgagePosted on November 21, 2016

If you are a first time homebuyer, navigating all the new information about homeownership, the home buying process, and mortgages can seem overwhelming.


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Getting A Second MortgagePosted on September 26, 2016

Second mortgages are not as common as they once were, and getting one is not as easy as it used to be, but even with the recent financial pressures that many of us are facing in this economy, there are still a number of options that can allow you to get one.


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How To Buy A Home With A Low Down PaymentPosted on August 01, 2016

Purchasing a home with a low down payment is important for a number of reasons, including the buyer’s ability to have extra cash left over for closing costs, decorating expenses, upgrades and/or other essentials needed to turn their new house into a home.


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Calculating Your Monthly Mortgage PaymentsPosted on July 04, 2016

One of the most important factors to consider when buying a new home is affordability.


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First Time Buyer Loan TipsPosted on April 18, 2016

First Time Buyer Loan Tips

For first time buyers, the mortgage loan process can seem complex and confusing.


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Recognizing Predatory Mortgage LendersPosted on March 07, 2016

A predator is defined as one that preys on others, which is why some lenders have fittingly earned the title as predatory mortgage lenders.


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How Much House You Can AffordPosted on February 15, 2016

There are a number of factors that can contribute to the affordability of a house and, as a potential homebuyer, it’s important that you know what type of mortgage payments are within your budget.


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Finding Your Credit RatingPosted on September 28, 2015

Finding your credit rating can be an intimidating task, but for anyone hoping to purchase a home it is a necessary step.


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The Advantages Of Pre-ApprovalPosted on August 31, 2015

The decision to purchase a home can be an exciting but sometimes confusing undertaking.


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Insurance And Property Taxes - Should You Add Them To Your Mortgage PaymentPosted on July 06, 2015

Insurance And Property Taxes: Should You Add Them To Your Mortgage Payment?

When you buy a home, the mortgage payment isn’t the only regular expense you will have to consider.


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Things You Need When Applying For A Home LoanPosted on June 15, 2015

Congratulations!  Now that you have found the perfect home, all that’s left is getting the perfect mortgage.


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Tips For Getting Your Down Payment FasterPosted on March 09, 2015

Looking to buy your first home, but having trouble coming up with the down payment?  Typically you need to have between 5-50% of the purchase price of your home, so here are a few tips to help you save your down payment faster!

Save Your Tax Refund—Doing this alone for a few years may add up to a considerable amount to contribute to a down payment, especially if both you and your spouse commit to contributing the full amount.


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How Much Cash Will You Need To ClosePosted on January 26, 2015

How Much Cash Will You Need To Close?

For first time buyers, the amount of money that is needed to seal the deal can often come as a bit of a shock.


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Taking Advantage Of Low Interest Rates - Should You Refinance Your MortgagePosted on November 10, 2014

With mortgage rates on the lower side, the choice to cash in and refinance your mortgage may be tempting, but before you make that decision here are a few facts to help you decide if it is the best financial choice for you and your family.


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Applying For A Joint Mortgage Loan With Your SpousePosted on October 13, 2014

Applying For a Joint Mortgage Loan With Your Spouse

When you are ready to buy a home, applying for a mortgage is one of the first and most important steps.


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Paying Off Your Mortgage FasterPosted on October 06, 2014

Paying off your mortgage is one of the biggest financial goals of most homeowners, and retiring debt-free can certainly give your golden years a greater sense of financial freedom and stability.


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Understanding Interest RatesPosted on September 29, 2014

If you are in the market for a new home, or it is time to refinance your mortgage, there is no doubt you have been looking at the current interest rates.


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Protect Yourself From Unexpected Mortgage Loan AdjustmentsPosted on September 08, 2014

If you’re facing an upcoming rate change on your adjustable rate mortgage, you may be a bit worried.


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Avoiding Mortgage FraudPosted on September 01, 2014

Unfortunately, fraud and identity theft are increasing at an alarming rate every year, and mortgage fraud is one of the most important types of fraud from which you will want to protect yourself.


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Understanding The Closing ProcessPosted on July 14, 2014

Once your loan is approved, you will be ready to take the final step that will lead to the door of your new home.


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Balloon Payments - What They Mean To YouPosted on June 30, 2014

Balloon Payments: What They Mean To You

In your research on home loans, you may have come across the term “balloon payment.


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Holiday Articles

St. Patrick's Day Ideas For Family FunPosted on May 29, 2017

St.


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New Year's Eve Decorating IdeasPosted on April 24, 2017

On December 31 of every year, the world celebrates New Year’s Eve.


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Hanukkah Decorating IdeasPosted on March 13, 2017

Hanukkah is a very special time of year on the Jewish calendar.


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Holiday Meal Ideas You Can Prepare Ahead Of TimePosted on March 06, 2017

Holiday Meal Ideas You Can Prepare Ahead Of Time

Preparing large holiday meals for a crowd is time consuming and a lot of work, too.


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Christmas Decorating IdeasPosted on February 20, 2017

Along with the Christmas festivities comes the desire to decorate your home with twinkling lights, wreaths, trees and even yard ornaments featuring the theme of the holidays.


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The Right Christmas Wreath For Your Front DoorPosted on February 13, 2017

Choosing the perfect tree is part of any holiday decorating tradition, but finding the right wreath for your front door can really finish off your holiday look and can be a beautiful and elegant addition to your exterior décor.


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Celebrating New Year’s With Young ChildrenPosted on January 23, 2017

Celebrating New Year’s Eve With Children

Partying until midnight may not be in the cards for you come New Year’s Eve if you have small children.


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Father's Day Gift Giving Ideas He'll LovePosted on November 14, 2016

Every June, we celebrate our love for dad with Father’s Day and, although we don’t always know exactly what gift to give that could possibly express our gratitude, it is possible to get him something that he will love.


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How To Make The Fourth Of July Fun For KidsPosted on October 24, 2016

Every year, the Fourth of July holiday honors the birth of our nation.


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Create A Spooky Yard For HalloweenPosted on August 29, 2016

Halloween can be one of the most child-like and fun holidays of the year.


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Create A Romantic Dining Room For Valentine’s DayPosted on August 22, 2016

With times being as tough as they are, finding the money to make a special Valentine’s Day for your sweetheart can be difficult.


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Memorial Day Picnic Menu IdeasPosted on August 15, 2016

Memorial Day is usually spent watching the latest blockbuster film, but it is also a great time of year to get outside and celebrate the nice weather.


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Fabulous Homemade Halloween CostumesPosted on July 25, 2016

Fabulous Homemade Halloween Costumes

Halloween is the time of year when you can dress up as just about anything you want to be.


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Decorating For The Fourth Of July - Show Your Patriot PridePosted on July 11, 2016

Decorating for the Fourth of July is really a great and easy way to show your patriotic pride, and with our nation’s colors of red, white, and blue going so well together, it also couldn’t be easier.


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Thanksgiving Menu IdeasPosted on March 21, 2016

Thanksgiving is an annual national holiday commemorating a harvest festival celebrated by the Pilgrim Fathers in 1621.


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Have Some Fun With Easter EggsPosted on February 22, 2016

Every year, children enjoy festivities that include the coloring of Easter eggs, annual egg hunts and other activities that have emerged through the years as a growing holiday tradition.


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A St. Patrick’s Menu That Your Guests Will EnjoyPosted on January 18, 2016

If you are throwing a St.


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Safety Tips For Fourth Of July FireworksPosted on October 26, 2015

Safety Tips For Fourth Of July Fireworks

The Fourth of July is an exciting holiday filled with family and friends, backyard barbeques, and of course the main event—the fireworks.


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Decorating For Thanksgiving Using The Bounty Of The SeasonPosted on June 29, 2015

Thanksgiving marks the beginning of the holiday season, a time spent with family and friends.


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How To Host A Fun And Safe New Year’s PartyPosted on April 27, 2015

New Year’s is a great time to host a party for friends and family.


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Ways To Thrill Mom On Mother's DayPosted on February 23, 2015

A mother is someone who looks after you, takes care of you when you are sick and is always there to show you just how much she loves you.


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Planning The Perfect Memorial Day BarbequePosted on January 12, 2015

Planning The Perfect Memorial Day Barbeque

While the focus is often on the Fourth of July when it comes to backyard celebrations, Memorial Day is often a popular choice as well.


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Create Kid-Safe Jack O LanternsPosted on December 29, 2014

Halloween is a great time of year to let the creativity go wild, and when decorating for this fun and family-oriented holiday, it really wouldn’t be complete without a jack-o’-lantern or two!  While carving pumpkins is the traditional way to create a jack-o’-lantern, if you have young children or kids who want to create jack-o’-lanterns without adult supervision, then it can be a dangerous and risky craft idea.


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Mother’s Day Brunch - Decoration And Menu IdeasPosted on October 27, 2014

Mother’s Day only comes around once a year, and since mom is there for us every day of the year, the least we can do is create a one-of-a-kind day to show her our thanks.


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Tips For The Perfect TurkeyPosted on June 30, 2014

Whether it is Thanksgiving or Christmas, a small family gathering or a huge party, cooking the perfect turkey for the holidays is every chef’s goal.


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Jim O'Dowd

Equal Housing Opportunity and Realtor