Pinching pennies. Milking a dollar out of every dime. Live within your means. Whatever you want to call it! The fact that majority of Americans are spending 37% of their income on housing makes the popular saying, “freedom is priceless,” kind of an oxymoron, doesn’t it? Your own space comes with a pretty hefty price tag. Using...
The struggle is real for Americans seeking to buy their first home. Saving for a down payment still holds the number 1 spot for obstacles when looking to purchase a home. Let’s face some of the facts: 70% of renters cite the down payment as a greater barrier to home ownership than debt, job security and qualifying for a mortgage 20% down...
The average homeowner pays $2,197 a year in real estate property taxes annually, tacking on about $183 to their monthly mortgage payment. However, the average property tax payment can be 5x higher than the average in states such as New Jersey, New York, and Illinois. View the median highest and lowest property taxes in the graph...
President Donald Trump’s “Tax Cuts and Jobs Act” was officially signed into law on December 22, 2017 with 4 goals in mind: 1. tax relief for middle class 2. simplify the tax code 3. grow the American economy 4. avoid adding to national debt While that all sounds fine and dandy, many Americans are still confused and afraid of the...
With inventory low right now, what’s better? Buying a home you kind of like, or buying a home of your dreams? With a HomeStyle® (Fannie Mae) or 203k (FHA) renovation loan, it doesn’t matter if you purchase the mediocre property on the block, or in other words, like it a lot or a little. You can get a property in your price range...
There’s no better feeling than handing over the keys to a well-deserved family or individual of your community—especially if they felt the American Dream of home ownership was never in the cards. Regardless if you lock your office door each day, knowing you helped make good change in someone’s life, working with the wrong lender can still...
Who cares what social media millennials use most? Why is that all we ever hear about? Has anyone actually taken the time to figure out who a millennial is? Sometimes, people forget that millennials watched their parents take a beating in the real estate market, and it doesn’t take a rocket scientist to figure out why they delayed the beginning...
Debt. Majority of us have it, sadly. With life’s milestones we want to accomplish, it’s almost inevitable: buying a car, education, marriage, furniture for your new home, etc. Are these milestones or life events keeping you from buying a home? Lowering your DTI seems easier said than done, right? The number one way to keep debt low...
There are two types of movers: prepared and well… not so prepared. Regardless, moving is a royal pain. It’s costly and stressful! What do I need to take? What do I need to throw away? Which moving companies are trustworthy? Use the guides below for tips on how to make your move as smooth as possible: Let PHMC pay for your moving...
Adults working full time in the United States report working an average of 47 hours per week (almost 6 days a week)! How do we keep our sanity? VACATION & TOYS are always a great place to start. Sorry kids, these 16 toys are for adults this time! • For your cabin in the woods 🌲: 1. Outdoor hot tubs Who doesn’t want a hot...
Since the state of California started the movement of legalizing marijuana for medicinal purposes, many states have also followed suit. So many, in fact, that 1 out of 5 Americans live in a state where it is legal to purchase and smoke weed freely—without a doctor’s note—and it won’t be stopping there. 2 years ago, on the notorious...
Mike Sheehan, owner of Pub Shed, Inc., based out of Grand Rapids, MI, brings the idea of having a mini pub right in your backyard: “I was on vacation in Ireland, the concept of a pub in your backyard was a big trend. I really enjoyed them and decided to bring the idea back home with me,” he said. Now, customers can choose from a wide...
Today’s technology now makes living like the Jetson’s a reality, and home owners and buyers are absolutely loving it! In fact, they’re loving it so much that the smart home market is expected to reach $121.73 billion USD by 2022. Yes, of course, we all love that we can control our home with a touch of a button. However, one of...
The usual single family home takes approximately 7 months to build from start to finish. In 2017, the first on-site residential house was built in just a single day. How is that even possible? Will this have a positive or negative impact on construction? Here are some pros & cons of 3-D printed homes: Lower price 💰 The home in the above...
Have you decided not to sell your first home but to keep it and rent it? If you’re a rookie landlord, these 3 infographics will make you feel like a pro! Click to download infographic. You know where to find tenants, but how do you find the right one? 👇👇👇 Click to download image. Step 1: Initial Contact First impressions are...
Wouldn’t life be so much easier if we knew exactly what people wanted at any given time? Unfortunately, we can’t all be Mel Gibson and suffer from a freak accident allowing you to get into the minds of the people you meet everyday. Lucky for us, Zillow released a report in late 2016 on Housing Consumer Trends. REALTORS®, with this...
Our homes are one of the largest investments we will ever make… Take the quiz below to see how much you know about purchasing a home: Looking to purchase or refinance?
THIS IS IT! Platinum has our last winner for the PHMC Wants to Send you to College: $20,000 sweepstakes! And the free college money goes to…. Jayla M., a 16 year old high school student! Jayla’s Google search for college contests turned into an extra $5k to help her save the funds for furthering her education! Platinum is grateful...
2016 will be written in the history books as _______ (We’ll let you fill in the blank). The Presidential Election, Chicago Cubs winning the World Series, 2016 Olympics, Brexit, Angelina and Brad divorcing… shall we go on? 2016, you will soon be behind us! 👋 For those of you anticipating the New Year, can you guess what real estate trends...
DIVORCE: the anger, confusion, sadness, pain, and loss associated is nothing short of paralyzing. Divorcing couples aren’t just burdened with the traumatic up-root of a marriage, but everything else these couples built together is included. For instance, what was once “the family home” must also be split and divided, which brings them to a...
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