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Monday, March 17, 2014

Listings

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Sunday, March 16, 2014

Mold Prevention in your home

Mildew can cause health problems in your home!

Mold can grow anywhere when the conditions are right. It thrives in moist, damp areas and can be found on windows, walls and floors.

Because it can lead to health problems, tackling a mold problem should be a priority. Even if you aren’t allergic to mold, it produces allergens, irritants and potentially toxic substances that can irritate your eyes, skin, nose, throat and lungs.

Taking some simple steps now can help deter mold from forming in your home.

Early mold prevention

Keep humidity below 60 percent (if possible, between 30 and 50 percent). Use air conditioners during humid months. Use dehumidifiers in damp spaces, such as basements and crawlspaces.
Properly ventilate shower, laundry and cooking areas. Use exhaust fans that vent outside your home.
Promptly fix leaky roofs, windows and pipes.
Add mold inhibitors to paints before painting walls. Don’t paint or caulk moldy surfaces.
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Clean bathrooms with mold-killing products.

Mold cleanup

If you notice mold in your home, clean it up as soon as possible. And if your house has had water damage, follow these simple steps to prevent mold from causing additional problems.

If a small area is covered in mold, clean it with a commercial product or a bleach-and-water solution (not more than one cup of bleach per gallon of water) and dry completely.
Determine the cause of the mold and address it; otherwise the mold will most likely return.
When water damage occurs, extract the water and dry the area as quickly as possible by opening windows and using fans and dehumidifiers. You may also use an air conditioner to remove moisture from the home.
If an area larger than 10 square feet is covered in mold, consult the EPA’s guide, Mold Remediation in Schools and Commercial Buildings. The tips in this guide also apply to other building types.
Absorbent or porous materials, such as carpets or ceiling tiles, may be impossible to clean and may have to be thrown away if they become moldy.

Additional mold resources

For more information about health problems associated with mold, mold prevention tips and cleanup, visit these sites:

The Center for Disease Control and Prevention – Facts about mold and dampness.
The Environmental Protection Agency –

Saturday, March 15, 2014

Attention Sellers! Is my Home a Regular sale or a Short Sale?

Due to a hardship, we stopped making our mortgage payments. The market says values have increased recently, we think the house is worth more than we owe. How do we know if we need to do a short sale? Can we use a family member as our real estate agent or realtor?

In a short sale, you need to get your bank’s permission to sell the house for less than what you owe on the mortgage. You will need to send in financial information and jump through other hoops to get your lender to agree to this discount.

Your first step should be to ask your lender for a complete payoff statement so you know exactly what you owe. Then you need to get with a real estate agent to see what the home is realistically worth. A fresh coat of paint, proper decorating and good staging can add significant value, maybe making the difference here.

Mixing family and business typically isn’t a good idea, but there’s nothing stopping you from doing it if you don’t need your lender’s permission to sell.

Because you are not sure if this will be a short sale, you should play it safe and find an experienced agent, unrelated to you, who can help you stage and market your home for the maximum price. If this does turn out to be a short sale, you, the buyer, the real estate agents and the title company will all have to sign an affidavit stating that this is not an insider deal and that no one is related to you. Lying about this is considered mortgage fraud.

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STUNNING WATERFRONT COTTAGE - spectacular water views of Block Island. Highlights - Free standing unit in Matunuck breakers condo association, private beach, gourmet kitchen, Pottery Barn inspired decor. Front terrace is an ideal spot to relax & enjoy the views! Turnkey - offered FULLY FURNISHED. PARADISE WAITS!!! Offered at $279,000 Don't miss this opportunity! Matunuck Breakers MLS# 1056553 Neighborhood- Matunuck Beach To see this beautiful property contact~ Ron Zaremba 401-572-8060...NORTH STAR REALTY
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