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Archive for the ‘My Home’ Category

Do you have a home in the Hattiesburg Mississippi area you need to sell quickly?

Is your house 100% financed with no equity? Are you behind on your mortgage payments or about to be? Is your house in foreclosure? Did your real estate listing expire before your agent was able to get your house sold? Are you selling your home in Hattiesburg Mississippi due to a divorce, illness, job loss or the death of a loved one? Have you moved without selling your house in Hattiesburg Mississippi first? Does your home need extensive repairs? Is your house vacant? Are you making two payments you can’t afford and need immediate debt relief?

These problems, especially foreclosure, are problems that home owners face every day in today’s competitive selling market. The current deteriorating state of the economy is everywhere in the news. Fox, CNN, MSNBC, other news outlets and the President remind us of our pain daily. Home foreclosures are at an all time high even here in Hattiesburg Mississippi with many more foreclosures likely to come. The unemployment rate in Mississippi is growing and is the highest it has been in many years. Housing resale values are at all time lows with no end in sight and with the current credit crisis many of your potential buyers can’t even qualify for a new loan.

So what do you do when you find yourself in one of these ugly situations & need to sell your Hattiesburg Mississippi home Fast? Do you wait and wait and wait for a real estate agent to sell your home or try to sell your house yourself? If you don’t have much equity in your Hattiesburg Mississippi house, your home selling options are even more limited. You may have to write a big check to cover any negative equity, closing costs, taxes and real estate commissions. If you try to sell your house yourself you can spend a lot of money on classified ads that result in few potential buyers and you’ll have to deal with people traipsing through your house at all hours of the day and night. And if you can find an ideal buyer you’ll have to get them qualified and handle all the purchase and sale paperwork and get the housed closed. If you don’t have the cash or the patience, what are your options to sell your home quickly?

Sell Your Hattiesburg Mississippi House Fast! If you’ve been searching the Internet looking for someone to buy your Hattiesbug house fast or some way to sell your house in Hattiesburg Mississippi fast, you’ve found your way to the right article to sell your house fast, many times in 7 days or less! MSHomeSolutions.com is your number one source for buying houses in Hattiesburg Mississippi and throughout the Pinebelt.

How to Sell Your Hattiesburg Mississippi House Faster Than Ever! Once you’ve completed our Seller Questionnaire providing your contact information and telling us about your Hattiesburg house for sale, one of our professional home buyers will contact you by phone or email about buying your home. If your home meets our purchase criteria, we’ll schedule an appointment to come out and see your house and make you one or more offers to buy your house on the spot! It’s that simple.

Who We Are. MSHomeSolutions is a group of professional home buyers in Hattiesburg Mississippi and throughout the Pinebelt that specializes in purchasing houses quickly for all cash or on other creative terms. We are not real estate agents who want to list and sell your home for a commission, so there are never any broker fees or real estate commissions. All you have to do is tell us about your Hattiesburg home for sale so we can possibly buy it. That’s how simple it really is! AND we are also specialists in working with home owners in foreclosure. We can help you SAVE YOUR HOME from foreclosure or we can buy it even if there’s no equity.

We buy houses throughout the Hattiesburg Mississippi area. We also buy houses in Petal, Purvis, Oak Grove, throughout the Pinebelt in Forrest and Lamar counties, and across Mississippi and we want to buy your Mississippi house.

We can save you time and money. We know that selling your home can be an expensive, time consuming and complicated process. We understand your situation. If you need to sell your Hattiesburg Mississippi home fast, we are your number one solution. Our local, professional home buyers can buy your house in 7 days or less once you’ve notified us of the Hattiesburg home you have for sale. We can pay all cash, take over your payments, lease-purchase your house, or come up with a custom solution to suit your needs immediately! We will handle all of the paperwork, make all the arrangements and close within a few days if necessary. You’ll get a quick sale with no hassles, so you can put your house selling worries behind you once and for all. There will be no more stress and no more home selling headaches.

We buy houses in Hattiesburg Mississippi in all shapes and sizes and in all price ranges. We purchase all types of property and in all price ranges, whether it’s a new house, an old house, a big house, a small house, a pretty house, an ugly house or a house needing major repairs… We like to buy them all. We buy as many houses as we can in Mississippi and are always looking for more houses to buy.

We buy houses in Hattiesburg Mississippi in any situation. Whether you’re selling you Hattiesburg Mississippi house due to divorce, illness, unemployment, relocation, behind on payments, bankruptcy or foreclosure, we’d like to help you find a solution that fits your unique home selling situation. We specialize in finding creative solutions to tough real estate problems that Realtors and other home buyers won’t touch.

MSHomeSolutions.com is your best solution to sell your home fast. If you’ve tried to sell your Hattiesburg Mississippi home for sale by owner and failed or you have listed your house with a real estate agent who was unable to sell your home, we are your best solution to get your home sold quickly. Sell your house to us and avoid all the hassles and uncertainties of trying to sell your home yourself or through a real estate agent.

We are your ideal home buyer. If you sell your home to us, you won’t have to continue searching for the perfect buyer while you wait, month after month to sell your house. You won’t have to continue having open houses and showing your home to unqualified strangers who waste your time and scare the dog. You can sell your house in Hattiesburg Mississippi, often in 7 days or less and move on with your life!

Sell your house in Hattiesburg Mississippi in as little as 7 days! To sell your Hattiesburg Mississippi house quickly, please complete our confidential Home Seller Questionnaire on our website at www.MSHomeSolutions.com or call 601-544-9400. Tell us all about your Mississippi home for sale, how we can reach you and one of our knowledgeable house buyers will contact you ASAP about buying your house fast.

We are ready to buy your Hattiesburg Mississippi house today! Our home buyers are ready to help you through the entire home selling process. All you need to do now is call 601-544-9400 or visit our website at www.MSHomeSolutions.com to complete our confidential Seller Questionnaire and one of our local home buyers will contact you about buying your house fast. Why wait another minute to sell your Hattiesburg Mississippi house when you can sell your house to us today?

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What is Home Equity?

 

Purchasing a home is a huge life event. It’s an investment that, over time, could yield a significant increase in value. As the years progress, the value of your home could increase. If and when the time comes to sell, hopefully you’ll find that you can get more money for your home than what you originally paid for it; yielding you a profit.

 

But the resale value, or even the appraised value before a sale, of your home is not the only value your home contains. When you purchase a home and make payments on your home mortgage, you start building what is called home equity. Home equity is the difference between the current value of a home and the amount still owed on the mortgage. As the principal of the mortgage amount decreases as a result of monthly mortgage payments, the home equity increases – even if the home doesn’t increase in value. So, you can build home equity from an increase in the potential sale price of a home and from paying down the mortgage debt that you owe on your home.

 

What is the Value of Home Equity?

 

Home equity is money in the bank. Homeowners can borrow against their home’s equity to pay for home repairs and renovations, school tuition, costly medical expenses, and even pay off debt. Your home provides you with financial opportunities not many lenders can provide. Home equity is a significant advantage to purchasing a home and a great financial resource to have. You never know what life will throw at you. It’s always good to have a “nest egg” of readily available built up capital to turn to if you’re faced with a financial crisis.

 

How do I use My Home Equity?

 

If you want to use your home’s equity for home repairs, college tuition, etc. , you first need to get a home equity loan. A home equity loan is a loan based on your home equity. There are two types of home equity loans:

 

1) A second mortgage (a.k.a. traditional home equity loan); and

 

2) A home equity line of credit loan.

 

A second mortgage is a loan where the lender lends you a lump sum, based on your home’s equity, and interest starts accumulating once the loan is issued. A home equity line of credit loan, however, is a loan where the lender presents you with a credit card or checkbook that you can use to make purchases. Just like a second mortgage, the amount you can spend is based on your home’s equity. But unlike a second mortgage, interest on a home equity line of credit loan doesn’t start accumulating until you make your first purchase with the card/checkbook.

 

Both home equity loan types are feasible means to utilizing your home’s equity.

 

Which type of loan you choose is up to you and your specific financial needs. Both loan types are primarily low interest loans and, for most home equity loans, the interest you pay is tax deductible.

 

However, it is important to know that when you take out a home equity loan, it means the lender can reposes your home if you default on your payments. In other words, if you don’t pay your home equity loan in full or default on too many payments, the bank or lender can take away your home and use its current value to pay for what’s owed. So it’s crucial that you maintain your loan payments. A home equity loan is a great financial resource, but if you don’t pay it back, it could end up costing you your home.

 

Purchasing a home is a venture worth taking. The appreciation of your home’s value and the equity you can build make your home a profitable investment that can’t easily be matched.

For more articles and suggestions, visit http://www.bills.com/home-equity-basics-article/

 

Vapor Barriers

Crawlspace Vapor Barriers

Throughout the United States, even in desert areas, there is moisture in the ground from groundwater being absorbed. Even in an apparently dry crawlspace, a large amount of water is entering the home. In a dry crawlspace, the moisture is drying out as fast as it is entering, which causes high moisture levels in the crawlspace and elsewhere in the house. A solid vapor barrier is recommended in all crawlspaces and should be required if moisture problems exist.

This vapor barrier, if properly installed, also reduces the infiltration of radon gas. Of course, if the moisture is coming from above ground, a vapor barrier will collect and hold the moisture. Therefore, any above ground source of moisture must be found and eliminated. The source may be as obvious as sweating pipes, or may be more difficult to spot, such as condensation on surfaces. The solution can be as simple as applying insulation to exposed sections

of  the piping or complex enough to require power exhaust fans and the addition of insulation and vapor barriers.

The more common causes of moisture problems in a new home are moisture trapped within the structure during construction and a continuing source of excess moisture from the basement, crawlspace, or slab. To resolve this potential problem, 6-mil plastic sheets should be laid as vapor barriers over the entire crawlspace floor. The sheets should overlap each other by at least 6 inches and should be taped in place. The plastic should extend up the perimeter walls by about 6 inches. The plastic sheets should be attached to the interior walls of the crawlspace with mastic or batten strips. All of the perimeter walls should be insulated, and insulation should be between the joists at the top of the walls. Vents, which may need to be opened in the late spring and closed in the fall, should not be blocked. If not properly managed, moisture originating in the crawlspace can cause problems with wood flooring and create many biological threats to health and property. A properly placed vapor barrier can prevent or reduce problem moisture from entering the home.

Concrete paints, waterproofing sealers, or cement coatings are a temporary fix. They crack or peel and cannot stop gases, such as water vapor and radon.

Damp basement air spreads mold and radon through the house. Efflorescence (white powder stains) and musty odors are telltale signs of moisture problems. Basement remodeling traps invisible water vapor, causing mold and mildew.

Most basements start leaking within 10 to 15 years. The basement walls and floors should be sealed and preserved before they deteriorate. The basement floor should be concrete which has been poured on at least 6 inches of gravel. The gravel distributes groundwater movement under the concrete floor, reducing the possibility of the water penetrating the floor. A water proof membrane, such as plastic sheeting, should be laid before the concrete is poured, for additional protection against flooding and infiltration of radon and other gases.The basement floor should be gradually but uniformly sloped in all directions toward a drain or a series of drains. These drains will permit the basement to drain if it becomes flooded.

Water or moisture marks on the floor and walls are signs of ineffective waterproofing or moisture proofing. Cellar doors, hatchways, and basement windows should be weather-tight and rodent-proof. A hatchway can be inspected by standing at the lower portion with the doors closed; if daylight can be seen, the door needs to be sealed or repaired.

Vapor Barriers for Concrete Slab Homes

Strip flooring and related products should be protected from moisture migration by a slab. Proper on-grade or above-grade construction requires that a vapor barrier be placed beneath the slab. Moisture tests should be done to determine the suitability of the slab before installing wood products. A vapor barrier equivalent to 4- or 6-mil polyethylene should be installed on top of the slab to further protect the wood products and the residents of the home.

 

Accurate Home Inspection of Atlanta

www.findmeaninspector.com