Mike J. Gold's Blog

Clean Your Windows Without Chemicals

You probably want to do all that you can to protect your family and the environment, but some “green” alternatives can be costly. Here’s one that is less expensive than commercial brands, which can contain potentially harmful chemicals – glass cleaner. * To make your own effective glass cleaner, you will need: * 2 Tbsp. rubbing alcohol * Quart-size container * Distilled white... [Read more...]

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Question and Answer

Q: We are getting ready to refinance our home. Do we need to have a home energy audit performed? A: Your lender isn’t likely to ask for this information, but it can be a valuable resource for you as a homeowner. According to Residential Energy Service Network (RESNET®) a home energy audit “evaluates an existing home to determine where and how energy is being lost, what systems are operating... [Read more...]

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Sail Smoothly Through Negotiations

Whether you are buying or selling a home, it is likely that you will go through a process of negotiation before closing. Negotiating is an important step in buying or selling a home. This is when you determine the final price, closing date, what is included in the sale, any repairs to be made, and other factors that may impact the sale. The most effective negotiating strategy for both buyers and sellers... [Read more...]

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Still Paying PMI?

If you are carrying mortgage insurance on your home loan, you may be wondering how long you will need to hold this policy. Although you have some say in the matter, your lender can also determine how long you will be required to carry this coverage. Private mortgage insurance (PMI) is designed to protect lenders in case borrowers default on their loan. Borrowers who put less than 20 percent down on... [Read more...]

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A New View

If you are thinking of selling your home, you may want to have a professional inspection done. An inspection will let you know if any repairs need to be made, which can help you save money and give potential buyers peace of mind. You don’t, however, have to let the inspector be the first to cast a neutral eye on your property. Your own objective walk-through can be beneficial as well. Start... [Read more...]

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