Home | Print Edition | 2019 Deadlines | Mall Boards | MY ACCOUNT | Video Page | Find an Agent | Contact - (585) 458-0011
You are viewing


Polls & Surveys


Why We Move

Featured Articles


The Denninger Report

Curb Appeal - Your First Step to SoldSpring Market Checklist
The Thing About Appraisals Foreclosures - Build Your Team
Short Sales: A Sign of the TimesThe Art of the Counter-Offer
Do Your "Home" WorkThe Tax Man Cometh
Single and In The MarketPre-Purchase Considerations
for Unmarried Partners
Title Insurance May Be A Smart Investment 



Mortgage Articles


Choosing The Right Mortgage

Mortgage Types Rates and Points
Buydown vs. GPM Real Estate Glossary
Fixed-Rate vs. Adjustable Rate 4 Parts of Your Mortgage Payment


Getting Started

Are You Ready to Buy? Qualifications Checklist
Up-Front Cash Requirements Allowable Down Payment Sources
Two Key Factors in Qualifying for a Loan Your Initial Lender Meeting
Understanding Tax Benefits Down Payment Assistance Programs


Homeownership 101 

Introduction to Refinancing Who is Involved in the Buying Process
Reasons to Refinance Home Buyer's References
Should You Refinance?


Applying For A Loan

Applying for a Loan Required Paperwork
Getting Your Loan Approved Reasons a Loan May Not be Approved
Criteria for Loan Application Let FHA Loans Help You


Making The Purchase

Making the Purchase What Happens at Closing
Closing Participants Paperwork You Will Sign - Part 1
Pre-Closing Paperwork You Will Sign - Part 2


Your Credit Report & Credit Score 

What are Credit Reporting Agencies? What FICO Scores do Not Look at?
What if I am Denied Credit? Tips on Improving Your Credit Score?
Will Scores Differ at Each Credit
Reporting Agency?		 What Does a FICO Score Take Into Consideration?
Is FICO the Only Credit Score that
Lenders Use?		 Correcting Errors on Your Credit
Report?
What is a Credit Score & How is it
Calculated?		 How Does the FICO Score Count
Inquires?


Information For Veterans

VA Loan Eligibility Service Members Civil Relief Act - SCRA
Eligibility FAQs SCRA FAQs
Trouble Making Your Payment?  


Avoid Fraud & Scams 

6 Things You Should Know About Loan Modification Scams Prevent Loan Modification
& Foreclosure Scams
Common Loan Modification Scams  Tax-Related Identity Theft 
Avoiding Online Scams Fake Check Scams
Money Transfer Scams Debt Relief Scams
Pay-In-Advance Credit Offers


Home Foreclosure

Know Your Timeline If You're Get Behind on Your Payments
Know Your Options Avoid Default & Foreclosure
Know Your Mortgage  Contact Your Loan Servicer 
Know Your Rights  Contact Not-For-Profit Counselor 
5 Tips: Protecting Your Home From Foreclosure Giving Up Your Home Without
Foreclosure
Tips for Avoiding Foreclosure


Moving Articles


General Moving Tips & Articles 

Preparing for Moving Day    Types of Moves
Moving with Pets Green Moving Tips
How to Change Mailing Address Avoid Internet Moving Scams 


Professional Movers

Questions to Ask When Hiring Movers How to Check a Licensed Mover
How to Treat Professional Movers Moving Terminology


Truck Rental

Moving Date Matters With Availability How to Pack a Moving Truck 
The Price of Renting a Truck    Truck Rental Requirements
Truck Rental 101 Truck Driving Tips
Tips to Control Truck Rental Costs  


Moving Containers 

A Great Do-it-Yourself Option Compare Container Companies
Moving Containers Restricted Items Moving Container vs. Truck Rentals 
Packing Portable Moving Containers Moving With Portable Storage Containers
Insurance Coverage – Moving Containers  


Storage 

How to Pack a Self-Storage Unit  Self Storage Insurance
Packing for Self Storage - Part 1     Choosing a Self Storage Facility
Packing for Self Storage - Part 2


Moving Supplies 

How to Pack a Kitchen Items Not to Pack When Moving
Moving & Packing Supplies Directory Moving Boxes vs. Ordinary Boxes
Why are Moving Boxes So Expensive? What About Free Boxes?
How to Pack a Moving Truck How Many Boxes Do I Need?
Moving Box Alternatives  



Residential Real Estate

Choosing the Right Attorney
Real Estate Glossary What Assessors & Appraisers Do


The Closing Process

Scheduling Your Closing Date What Happens at Closing
Paperwork You Will Sign - Part 1 Closing Participants
Paperwork You Will Sign - Part 2 Pre-Closing


Wills & Estates

Wills & Trusts - Appropriate Preparation
Joint Tenancy - Not a Will or Trust Substitute  


Avoid Fraud & Scams 

6 Things You Should Know About Loan Modification Scams Prevent Loan Modification
& Foreclosure Scams
Common Loan Modification Scams  Tax-Related Identity Theft 
Avoiding Online Scams Fake Check Scams
Money Transfer Scams Debt Relief Scams
Pay-In-Advance Credit Offers


Insurance Articles


Homeowners Insurance 

Understanding Your Insurance Policy Homeowner Policy Coverages - Part 1
How Insurers Determine Your Premium Homeowner Policy Coverages - Part 2
Factors that Affect Underwriting Reducing Your Rates 
Home Inventory Checklist Prepare Ahead to Ease Claims Process
Why You Need Insurance Private Mortgage Insurance
How Much Coverage Do You Need  Insurance - Storm Tips 
Optional Coverage  The Cost of Homeowners Insurance
Helpful Terms & Definitions  
10 Things to Know Before Purchasing Homeowners Insurance Insurance Company Cancels Your Homeowner Policy


Renters Insurance

Attention Renters - Know the Facts Rental Insurance for College Students
Rental Insurance Q&A Home Inventory Checklist


Condominium Insurance 

Why Purchase Condo Insurance Condo vs. Townhome Coverage
Condo Insurance Coverage Home Inventory Checklist


Other Insurance 

Mobile & Manufactured Home Insurance Umbrella Insurance
RV/Motor Home Insurance  Vacation Home Insurance
Earthquake Insurance Landlord/Rental Property Insurance
Identity Fraud Insurance 


Flood Insurance 

The National Flood Insurance Program Important Facts About Your Flood Policy
Two Common Reimbursement Methods Flood Insurance - What's Covered
Flood Questions for Your Agent When Flood Insurance is Required


Home Improvement Articles


Home Interior Articles

Want to Sell Your Home Quickly?
Home Staging May Be The Key
 Showing Your Home with Pets
Declutter Your Home for a Faster Sale Entice Buyers by Depersonalizing


Home Exterior Articles

Top 20 Tips to Increase
Your Home's Curb Appeal		 Engineering Inspection
vs Code Compliance Inspections
Garage Doors - Prepare to Sell
 Painting Your House to Sell
Prepare Your Home's Exterior for Sale


Yard & Garden Articles

Green Lawns & Gardens
Using Non-Toxic Weed Control
 Curb Appeal Tips That Sell
Improvements Can Make You Money Driveway Sealing Alert


Contractor Articles

Home Improvement Scammers – Watch Out  


Home Inspector Articles

Plumbing Traps: Simple... right?
Fuse Panels: Should they all be replaced?