Month: October 2020

Renting and Tenant Rights

Things to Do When a Tenant Stays Following an Eviction at the House

| Yarstions

If you have won an eviction case from a tenant, the law is on your side. After a court has ruled in favor of a landlord in an eviction case, then the tenant is required by law to vacate the property. If your tenant is hanging around after the courts have told them to pack up and move, you possess the legal right to possess them removed from the home. Time Frame Under San Francisco law, tenants have five days to vacate the premise as soon as you have won an eviction and the sheriff’s submitted a”Notice to Vacate” announcement on the doorway of their property. Though you have already won the flooding, the tenant is permitted to remain in the property for all those five days and cannot be made to depart early. Court Filings A tenant can also extend their stay on your property after an eviction by…

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Eclectic Homes

How Do I Get Out of an FHA Mortgage?

| Yarstions

Federal Housing Administration (FHA) loans generally help those who have less than perfect credit buy or refinance a home. As stated by the Zillow website,”The FHA program was in place since the 1930s to help stimulate the housing market by making loans affordable.” FHA insures mortgage loans to shield qualified lenders from loss in the case of default, and needs homeowners to pay a mortgage insurance premium, which is added to the amount of the loan. Getting from an FHA mortgage can help you avoid monthly mortgage insurance premiums and in the majority of cases secure a lower standard rate of interest. Get a copy of your credit report using an internet resource. Review your credit report and verify that your information is being reported accurately. Make payments on credit card balances which are above 30 percent of your credit limit and pay off all past-due collections, charged-off accounts or…

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Eclectic Homes

Assessing for Renting a Home Through HUD

| Yarstions

The Department of Housing and Urban Development (HUD) provides two primary programs designed to provide affordable rental housing to low-income households. HUD’s public housing and Section 8 programs use federal subsidies to attain this objective. Through Section 8, HUD pays private market landlords that the portion of a low income household’s rent that exceeds 30 percent of its income. Rents in public housing units are set at rates that are affordable to households earning considerably less than their area’s median. Citizenship/Immigration Status HUD’s Section 8 and public housing programs require that applicants become U.S. citizens or hold an”eligible immigration status,” in accordance with the program’s websites. Eligible immigration status incorporates resident aliens, who are generally called”green card holders” Income Income is the principal eligibility consideration for public housing and Section 8. Public housing residents cannot make over 80 percent of their area’s median income. The cutoff for Section 8 qualification…

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Eclectic Homes

How Do I Refinance a Home Through the HUD Program?

| Yarstions

The Home Affordable Refinance Program is a government program for assisting homeowners refinance their mortgages. HARP won’t lower your principal, but it might reduce your payments by giving you a better interest rate. In case you have an adjustable-rate mortgage, HARP may lower your current payments, however refinancing to a fixed speed can stop future increases you might not be able to afford. The program is set to expire on June 10, 2011. Assess your eligibility for HARP. You may be entitled to the program, according to the Making Home Affordable website, if you own and reside in a one- to four-unit house; your mortgage has been possessed or guaranteed by the federally backed corporations Fannie Mae and Freddie Mac; you’re current on your mortgage payments; the amount you owe on your first mortgage does not exceed 125 percent of the present value of your home; and you are able…

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Budgeting Your Project

What Is Personal Mortgage Insurance?

| Yarstions

Personal mortgage insurance, or PMI, is insurance which borrowers must have when they buy a house with less than 20 percent down. The PMI protects the lender in the event the borrower walks from the home. Both conventional and Federal Housing Administration, or FHA, guaranteed loans require PMI insurance. This insurance is usually folded into the house payment. History The first banks in the United States to provide personal mortgage insurance started from the early 1900s and they not only offered the insurance, but in addition they made mortgage loans. It was not until after the 1930s that personal mortgage insurance become widespread in response to significant losses after the Great Depression in the 1930s. Significance The personal mortgage insurance protects the creditors from mortgage defaults. Lenders buy insurance to protect them from 80 percent of reduction from defaults, and also the PMI provides protection for the remaining 20 percent,…

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Decorating Guides

Eye-Catching Colors for Your Kitchen Floor

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We’ve already made the case for placing bold color in your ceiling. Now let’s focus downward, on the ground, as a canvas for injecting fun color into a room. This is a superb option for those who have an unsightly hardwood flooring that they either can not or do not wish to refinish. It is also pocket friendly in case you’ve got the skills and desire to paint the floor yourself. Moroso Construction This bright, happy green floor adds so much life and character to this mild, white kitchen. It is a fantastic choice for a space. Jennifer Ott Design Get a similar appearance with Snow Cone Green from Benjamin Moore. E/L STUDIO If you want a subtler wash of color in your wood flooring, then consider using a stain in an interesting colour, such as the watery greenish-blue used here. Jennifer Ott Design Get a similar appearance with Antique…

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Decorating Guides

Get Gorgeous Art Deco Furniture for Less

| Yarstions

In Richard Fishman’s shop, Art Deco Collection, the largely European art deco merchandise attracted place artists in the HBO series Boardwalk Empire, who came to the showroom at San Francisco shopping for pieces to use to the show. European art deco furniture is glistening, of high quality and more expensive — think $8,000 and up. Even though Hollywood usually has deep pockets, not everyone does. If you are a fan of the design and want an art deco piece for the living space, we have a few tips about the best way to save money. Before we begin, I want to share Fishman’s easy explanation of the growth of 20th century design, because it made it rather clear for me what art deco is and isn’t. Here is what he says: Think of a curlicue that, over the years of the 20th century, gradually straightened before it dropped the curve…

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Decorating Guides

Get Your Edge On: 11 Suggestions for Style in the Fast Lane

| Yarstions

Let us go back to 1978. Remember in the film Grease when Olivia Newton-John amazed John Travolta with her edgy appearance? Which detail helped her pull it off? Was it the black leather jacket with its red liner, her teased hair or the crimson lipstick? What made her appearance edgy? I frequently think about details like this when I place rooms together. In the most traditional spaces, I like to throw in surprise. Edgy touches keep a space from looking too predictable and stodgy. They often happen when we bend the rules so slightly. Sometimes there are existing details in a space which may be highlighted. Other times, there are little touches which may be added. Obviously, the ideal blend is perfect — not too far, just a touch will do. If you have a little Sandy on your character, here are some ideas that will assist you pull off…

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