Author Archives: Debra Jennings

Multiple Listing Service Of Hilton Head Island Agents Provide Housefax To Help Home Buyers With Purchase Decisions

Housefax Offers More Information Than Previously Available For Buyers, Like Sound Score and Cellphone Service Quality

July 10, 2017, Hilton Head Island, S.C. – Potential home buyers who work with Multiple Listing Service of Hilton Head Island (HHIMLS) agents will now receive deeply discounted rates for Housefax, a service much like Carfax, for the use of home buyers to learn more about the properties they are interested in.

HHIMLS partnered with Housefax to calculate the most up to date and accurate property history report so that home buyers can make informed decisions about their prospective home. Housefax includes detailed information on properties including buyer incident reports, building permits, transaction history, floodline information, roofing conditions, sound score and hail exposure, cellphone service quality, information about schools in the area and more. Continue reading

How Credit Scores Affect Homebuyers

If you’re thinking of buying a home, one of the first questions you may ask is “Can I qualify for a home mortgage loan?” There are a number of factors that determine the answer, such as your employment history (including length of time at your current job), your debt to income ratio (how much you owe compare to how much you make), and the amount you have for a down payment. But perhaps the biggest factor in determining your loan eligibility is your credit score.

There are actually a few different types of credit scores. The score used by the mortgage industry is your FICO score, which for housing loans ranges from 300-850. This range is broken into categories ranging from “Excellent” to “Bad”.

Photo Credit: Credit Sesame

The obvious question is “what credit score is needed to buy a house?”

Unfortunately, the answer isn’t as obvious. Continue reading

Year-Round Patriotic Homes [4th of July]

July 4th, America’s Independence Day, is traditionally celebrated with flags, family gatherings and fireworks. Of course, there’s nothing wrong with taking your love for America to the next level and sharing that admiration with all your neighbors.

You could go all out with American flags…

Source: hookedonhouses.net

Or get high-tech with a patriotic image projection…

Source: youtube.com

Continue reading

Time to Review Your Home Insurance Policy

home insurance review

Most of us take a “fix and forget it” approach to insurance. But insurance isn’t a crockpot dinner. Unlike Aunt May’s mouthwatering beef stew, insurance isn’t something you can just prepare, let simmer, and then return to when you’re ready to eat (or file a claim).

June 28 is National Insurance Awareness Day, the official annual reminder to review all your insurance policies for adequate coverage, changes in policy, and maybe even a pricing comparison. Whether you take advantage of this holiday or not, it’s important to take a look at your policies at least once year to make sure you have adequate coverage.

With regard to home insurance, in addition to an annual review, you should also revisit your home insurance coverage on these occasions: Continue reading

The Inspiring Growth of Hispanic Homeownership

Owning a home is no doubt part of the “American dream.” Yet less than two-thirds of Americans currently do. In fact, the overall rate of homeownership is hovering near a 50-year low, at 63.6%. For minorities, the rates are even lower, coming in at 56.8% (Asian), 46.6% (Hispanic), and 42.7% (African American).

Does this mean that Americans don’t value homeownership anymore? Continue reading

Celebrity Housefax: Barack and Michelle Obama [PHOTOS, VIDEO & FULL HOUSEFAX REPORT]

While they no longer reside at 1600 Pennsylvania Avenue, former President Barack Obama and his wife, Michelle, aren’t moving out of the Washington, DC area anytime soon. Their youngest daughter, Sasha, has two-and-a-half more years of high school, so the Obamas recently purchased the Kalorama neighborhood house they have been renting since January.

Built in 1928, the brick Tudor-style mansion was renovated in 2011. (Incidentally the Housefax Report shows that the fire department was dispatched in March 2011 to deal with a natural gas leak on the premises.)
Continue reading

Memorial Day Tribute from Team Housefax

Each year, Americans celebrate Memorial Day weekend as the unofficial start of summer. Memorial Day itself — which falls on May 29 this year — is a special day that we take time to remember and honor the courage of those who have made the ultimate sacrifice for their country. The Housefax team shares their wishes for these brave men and women and their families.

Continue reading

HOMEOWNER’S GUIDE: BBQ Grill Safety Tips for Summer [INFOGRAPHIC]

With Memorial Day almost here and summer just around the corner, chances are you’ll be firing up your outdoor grill soon (if you haven’t already!). In fact, May is National Barbecue Month so there’s no excuse not to break out the charcoal or flip that igniter!

Although humans have been cooking food over an open flame since practically the day after fire was invented, it wasn’t until the 1940s that it caught on in the U.S. as a backyard fun-omena. Early open-air cooking was a challenge, though, as the only grills available at the time – brazier grills – weren’t designed for consistency or safety. Continue reading

Is Your Home in a High Risk Flood Zone? How to Prepare for Flooding [Infographic]

It’s said that April showers bring May flowers. But for many residents of the Midwest, record rainstorms that began the last week of April unfortunately brought historic flooding. Parts of Missouri, Illinois, Indiana, Arkansas and Louisiana received 10 to 15 inches of rain in 7 days, causing rivers to overrun banks and levees and endanger both lives and property.

Flooding near Pocahontas, AR (Photo credit: CourierNews)

The flood waters caused evacuation of residential and business areas, closed parts of Interstates 44 and 55, and shut down a 14-mile stretch of the Mississippi River. And the storm continued to travel, resulting in flash flood watches for parts of Oklahoma, Kansas, Missouri, Illinois, Arkansas, Indiana and Ohio. Ten deaths have been attributed to the flooding. Continue reading

How to Reduce House Hunting Stress

Thinking of buying a home? It’s exciting, right? Whether you’re becoming a home owner for the first time or just looking for a new house, there’s something so appealing about imagining living in a new place. And then reality sets in. (Wah, wah, wah…)

The truth is buying a home can be one of life’s most stressful events, especially in today’s hot housing market. While there is no way to make it a completely anxiety-free event, there are things you can do during the house hunting and buying process that will minimize your stress. Continue reading