Karen Simms' Blog

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Real Estate Agent - Century 21 Arizona Foothills - AZDRE# SA579060000
Assumption Opportunity   The low interest rates secured by borrowers recently on FHA mortgages may become valuable in a different way in the future. FHA and VA mortgage are assumable at the existing interest rates subject to buyer qualification. Buyers wanting to assume an existing FHA mortgage m...
Protect Yourself   Home is a place you should feel safe and secure. Sometimes, we take it for granted and unfortunately, we do need to remain vigilant about things we do that could compromise our well-being. Here are a few tips you might want to consider. Everyone loves an inviting home including...
Managing Your Homeowners Insurance Deductibles   The purpose of insurance is to shift the risk of loss to a company in exchange for a premium. Most policies have a deductible which is an amount the insured pays out of pocket before the insurance starts covering the cost of the loss. In the proces...
Whether you're refinancing your current home or buying a new one, something worth considering is a 15 year loan rather than a 30 year term. The payments will be a little higher but you'll get a lower interest rate and you'll build equity much faster. Let's look at an example of a $200,000 mortgag...
Automatic thermostats can lower your monthly utility costs while conveniently regulating your comfort by adjusting temperatures on your heating and cooling systems. These can be particularly effective in homes with zoned systems where you live in one area during the day but sleep in a different z...
Some residents of Augusta, Georgia have purchased tickets to the Master's for years but have never attended the famous golf tournament. It's because they include the tickets as a bonus to the people who rent their home during the event. Each year, owners rent their home for a big premium during t...
"Anyone may arrange his affairs so that his taxes shall be as low as possible...for nobody owes any public duty to pay more than the law demands." Judge Learned Hand This opinion refers to federal income tax but the logic and spirit can easily be applied to any tax including property tax. Most pr...
More indications that the housing market is coming back   http://www.facebook.com/l.php?u=http%3A%2F%2Fwww.realtor.org%2Fnews-releases%2F2012%2F04%2Fmarch-pending-home-sales-rise-market-recovering&h=GAQHSU4DnAQHbCqcwWXQiIp7jfAkSVwx6z8rarsjYaHuztQ
As much as half of the energy used in your home goes to heating and cooling. So making smart decisions about your home's heating, ventilating, and air conditioning (HVAC) system can have a big effect on your utility bills — and your comfort. Take these steps to increase the efficiency of your he...
On April 16, 2012, in Curb Appeal, Remodeling Adviser, by Melissa Tracey  More Sharing ServicesShare|Share on facebookShare on twitterShare on emailShare on print   By Melissa Dittmann Tracey, REALTOR® Magazine Photo Credit: Paint Quality Institute Springtime is the best time to give a home a fr...

Karen Simms

Horse Property Specialist
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