So many different types of rates exist when it comes to mortgage rates. Trying to make heads or tails of it all can be difficult without some help from those who have the specialized knowledge to go with the situation. A home loan consultant may be able to help you understand the different rates so that you can make an informed decision. People have to choose from fixed rates, variable rates, and low rates. Trying to decide which one of these is...more
How to Deal With a Home Foreclosure If you are dealing with a home foreclosure and can't realize how you got into this current predicament, you're not alone. As a foreclosure lawyer in Chicago with Sulaiman Law and Associates, Ahmad Sulaiman says that about one out of every nine homes in America is currently vacant. According to CNN reports, by October of 2009, lenders had already taken back 623,852 homes that year. And millions of...more
Whether to Refinance Your Home Over the past few years, Ahmad Sulaiman of Sulaiman Law and Associates has seen many homeowners jump at the chance to refinance their homes and lower their monthly payments without looking at the long-term repercussions. Here, he warns that you have to be leery of solutions to your financial problems that you think are too good to be true. Chances are you're probably right. Simply put, refinancing means that you apply for a new loan or mortgage on your home. With the new loan, you use the money to pay off your old loan in one lump sum, and then your monthly mortgage payments go toward paying off that second, refinanced loan. Ideal SituationMost investors and mortgage brokers advise that the principle percentage change between your current loan and your refinanced loan be at least 2% to make a profit that is worthwhile. So for example, if you are currently paying off a loan with an 8% interest rate and can resign for a loan that has less than a 6% interest rate, it may be beneficial for you. Here is an example of the ideal refinancing situation: Mr. Save received a 30-year loan for $100,000 at an 8% interest rate. After a few years, Mr....more
The kitchen is the busiest place in any house, especially on holiday seasons or on parties. The kitchen is where you will store your food either cooked or uncooked. And most family living in urban homes will usually have their dining room near or in the kitchen. The kitchen is where you will prepare all your foods, whether they are snacks, food for...more
While decorating the exteriors like a lawn or the pool side, people place elegant benches to add value to the surrounding area and enhance the beauty along with making a style statement. A bit of creativity can give your outdoors a distinctive look. Benches have always been an intrinsic part of parks, schools, gardens and zoos. Placed gracefully...more
The Language of Real Estate Law As a part of Sulaiman Law and Associates, Ahmad Sulaiman is a sought-after real estate attorney in Illinois, whose mission is to provide legal assistance to homeowners so that they are able to retain their properties as long as legally possible. Buying a home is a huge undertaking. But unfortunately, too often potential buyers find themselves being bullied into signing mortgages that they really can't afford because they don't understand the language involved and are too nervous to ask for explanations before signing on the dotted line. It is important that you become as familiar as possible with the language of real estate law and lending practices before you purchase a home. Here are some of those key terms most frequently used: The Buyer: The homeowner is both the buyer and the borrower in terms of real estate. The buyer is taking the money from his lender and using it to purchase his new home. The Lender: Any entity who loans money in exchange for a greater return is considered a lender. When it comes to purchasing property, banks are a primary example of the lender because they provide the buyer with money that he must pay back over...more
Kitchen Sink, Bathroom Sink, Spare Bathroom Sink... Brush, Brush, Brush Your Teeth! This is NO joke! Everyone needs to brush their teeth, at least a few times each day! It is very important to keep your teeth clean, and to scrub and brush off...more
Maintaining YOur Carpet Nowadays, carpet has become an ornamental beauty of your rooms in your house. This accessory is no longer only as a cushion. Carpet can be an option to beautify the interior of the house with a diversity of attractive...more
In Ground Basketball Goals: 5 Reasons They Make A Great Purchase For Your Home Whether trying to find a new way to get the cardio they need without subjecting themselves to the type of program no human should have to endure—a daily routine...more
Factors That Will Affect Your Bathroom Remodeling Estimates Many persons today are considering the option of remodeling their bathroom for a more luxurious feel. However, having an idea of how much this will cost can be extremely helpful in...more
Do you have a favorite massage therapist? Many (about 90,000) people in the United States claim this as either their part-time or full-time job. Most are self-employed. This occupation includes a large percentage of part-time and self-employed...more
In this part of the world, staying at hotels, lodges and resorts have always been the most favoured way to travel. In fact, in India, the concept and the obvious merits of homestays have yet to catch on, despite the fact that unfamiliar cities and...more