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	<title>Home Improvement Loan</title>
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		<title>Treasury Sees Escalating Risk to Home Prices</title>
		<link>http://www.homeimprovementloaninfo.com/treasury-sees-escalating-risk-to-home-prices/</link>
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		<pubDate>Fri, 29 Oct 2010 17:16:43 +0000</pubDate>
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		<description><![CDATA[Treasury Sees Escalating Risk to Home Prices Thu, 2010-10-28 07:24 — Andrew T. Berman</p> <p>&#8230;“Together, these two factors (robo-signed affidavits and homeowner legal battles) may exert downward pressure on overall housing prices both in the short and long run,” said the official, Phyllis R. Caldwell, chief of the homeownership preservation office at the Treasury&#8230;</p> <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.homeimprovementloaninfo.com/treasury-sees-escalating-risk-to-home-prices/">Treasury Sees Escalating Risk to Home Prices</a></span>]]></description>
			<content:encoded><![CDATA[<h2>Treasury Sees Escalating Risk to Home Prices</h2>
<div id="node-21475">Thu, 2010-10-28 07:24 — Andrew T. Berman</p>
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<div><img title="U.S. Treasury on US currency" src="http://nationalmortgageprofessional.com/sites/default/files/images/US-Treasury-currency.thumbnail.jpg" alt="U.S. Treasury on US currency" width="100" height="67" /></div>
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<p>&#8230;“Together, these two factors (robo-signed affidavits and homeowner legal battles) may exert downward pressure on overall housing prices both in the short and long run,” said the official, Phyllis R. Caldwell, chief of the homeownership preservation office at the Treasury&#8230;</p>
<p>&#8230;“If investors lose confidence in the ability of banks to document their ownership of mortgages, the financial industry could suffer staggering losses,” the panel’s chairman, Senator Edward E. Kaufman, Democrat of Delaware, told Ms. Caldwell. “The possibility is especially alarming, coming so soon after taxpayers spent billions of dollars to bail out these very same institutions.”</p>
<p>Another panel member, Richard H. Neiman, the New York State banking superintendent, asked, “How do we continue to look homeowners in the eye and ask them to continue to work with their servicers given the latest news pertaining to faulty documents and fraudulent affidavits?”&#8230;</p>
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		<title>Ways to use a 203(k) Home Improvement Loan</title>
		<link>http://www.homeimprovementloaninfo.com/226/</link>
		<comments>http://www.homeimprovementloaninfo.com/226/#comments</comments>
		<pubDate>Tue, 05 Oct 2010 19:04:12 +0000</pubDate>
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		<description><![CDATA[<p>FHA 203K Loan &#8211; How the Program Can Be Used: </p> <p>This program can be used to accomplish rehabilitation and/or improvement of an existing one-to-four unit dwelling in one of three ways:</p> · To purchase a dwelling and the land on which the dwelling is located and rehabilitate it. · To purchase a dwelling <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.homeimprovementloaninfo.com/226/">Ways to use a 203(k) Home Improvement Loan</a></span>]]></description>
			<content:encoded><![CDATA[<p><strong>FHA <a name="203K - How the Program Can Be Used:" target="_top">203K Loan &#8211; How the Program Can Be Used:</a></strong><a name="203K - How the Program Can Be Used:" target="_top"> </a></p>
<p>This program can be used to accomplish rehabilitation and/or improvement of an existing one-to-four unit dwelling in one of three ways:</p>
<div><span style="font-family: Verdana; font-size: x-small;">· To purchase a dwelling and the land on which the dwelling is located and rehabilitate it.</span></div>
<div><span style="font-family: Verdana; font-size: x-small;">· To purchase a dwelling on another site, move it onto a new foundation on the mortgaged property and rehabilitate it.</span></div>
<p><span style="font-family: Verdana; font-size: x-small;">· To refinance existing indebtedness and rehabilitate a dwelling;</p>
<div><span style="font-family: Verdana; font-size: x-small;">To purchase a dwelling and the land on which the dwelling is located and rehabilitate it, and to refinance existing indebtedness and rehabilitate such a dwelling, the mortgage must be a first lien on the property and the loan proceeds (other than rehabilitation funds) must be available before the rehabilitation begins.</span></div>
<div><span style="font-family: Verdana; font-size: x-small;">To purchase a dwelling on another site, move it onto a new foundation and rehabilitate it, the mortgage must be a first lien on the property; however, loan proceeds for the moving of the house cannot be made available until the unit is attached to the new foundation.</span></div>
<p><span style="font-family: Verdana; font-size: x-small;"> </p>
<p></span> </p>
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		<title>Check List &#8211; Before Buying a Home</title>
		<link>http://www.homeimprovementloaninfo.com/check-list-before-buying-a-home/</link>
		<comments>http://www.homeimprovementloaninfo.com/check-list-before-buying-a-home/#comments</comments>
		<pubDate>Sun, 19 Sep 2010 06:12:55 +0000</pubDate>
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		<description><![CDATA[<p>Planning to Buy a house soon? It’s a big investment so it’s important to get it right. Go through this checklist to make sure you’re fully prepared and you have all the info you need to get the house of your dreams.</p> <p style="text-align: center;"> </p> ]]></description>
			<content:encoded><![CDATA[<p>Planning to Buy a house soon? It’s a big investment so it’s important to get it right. Go through this checklist to make sure you’re fully prepared and you have all the info you need to get the house of your dreams.</p>
<p style="text-align: center;"> </p>
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		<title>Smoothing Out the Renovation Process</title>
		<link>http://www.homeimprovementloaninfo.com/smoothing-out-the-renovation-process/</link>
		<comments>http://www.homeimprovementloaninfo.com/smoothing-out-the-renovation-process/#comments</comments>
		<pubDate>Sun, 19 Sep 2010 05:57:45 +0000</pubDate>
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		<description><![CDATA[A Good Renovation Agreement Should Include… <p>* Protect your valuables. Clear the work area so it’s free of furniture, drapes and art. Make sure you cover anything left behind so it doesn’t get covered in dust.</p> <p>* Product Selections should be made early. To ensure the smooth progress of work, having specific items, like <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.homeimprovementloaninfo.com/smoothing-out-the-renovation-process/">Smoothing Out the Renovation Process</a></span>]]></description>
			<content:encoded><![CDATA[<h3>A Good Renovation Agreement Should Include…</h3>
<p>* Protect your valuables. Clear the work area so it’s free of  furniture, drapes and art. Make sure you cover anything left behind so  it doesn’t get covered in dust.</p>
<p>* Product Selections should be made early. To ensure the smooth  progress of work, having specific items, like cabinets, flooring and  lighting, already chosen will make the process quicker.</p>
<p>* Be available to your renovator on short notice. You will have to  make a number of smaller decisions throughout the process so contact  with your renovator will make sure the schedule stays on track.</p>
<p>* Keep changes to a minimum. Although most renovators are willing to  accommodate changes to the original plan, it may result in a cost  increase and time delay.</p>
<p>* Discuss your concerns as they arise. It’s never a good idea to wait for the “right moment”.</p>
<p>* Provide payment as agreed upon. Make sure payment terms are agreed upon in advance.</p>
<p>* Accept the unpredictable with grace. Foul weather, unavailable  products and unforeseen complications are part of the renovation  experience and will be dealt with by your renovator in a professional  manner.</p>
<h3>Tips to Incorporate into your Green Renovation</h3>
<p>A green renovation will improve indoor air quality, which in turn  will improve your quality of living and your health. Just by  incorporating natural materials and high quality, energy efficient  lighting will inevitably give your space a natural beauty and comfort.  On top of this, you will gain the ecological benefits by lowering your  carbon footprint. Some tips that will lead you to a greener way of  living could include following:</p>
<p>* Non-toxic sealants, paints, flooring, cabinetry and countertops<br />
* Hard surface flooring for easy cleaning and easy care<br />
* Abundant natural daylight<br />
* Locally extracted granite countertops<br />
* Light-colored interior finishes allowing light to bounce around the home (ex, white, low VOC paint)<br />
* Energy efficient lighting<br />
* Water efficient fixtures<br />
* Energy Star appliances</p>
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		<title>HGTV Looking for 1st Time Buyers</title>
		<link>http://www.homeimprovementloaninfo.com/hello-world-2/</link>
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		<pubDate>Fri, 17 Sep 2010 01:16:48 +0000</pubDate>
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		<description><![CDATA[<p>BUYING YOUR FIRST PLACE?</p> <p>Then HGTV is looking for you!</p> <p>MY FIRST PLACE, HGTV’s hit series, is coming back for an ninth season and looking to cast first-time homebuyers (and their agents!) in the St. Louis area and in Austin RIGHT NOW!</p> <p>The show is looking for fun, high-energy people who are just starting <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.homeimprovementloaninfo.com/hello-world-2/">HGTV Looking for 1st Time Buyers</a></span>]]></description>
			<content:encoded><![CDATA[<p>BUYING YOUR FIRST PLACE?</p>
<p>Then HGTV is looking for you!</p>
<p>MY FIRST PLACE, HGTV’s hit series, is coming back for an ninth season  and looking to cast first-time homebuyers (and their agents!) in the  St. Louis area and in Austin RIGHT NOW!</p>
<p>The show is looking for fun, high-energy people who are just starting  the home-buying process for their first place and would like to share  their story with HGTV.  The goal is to capture all the trials and  tribulations of looking for, bidding on and buying your first place.</p>
<p>Taping takes place this summer.  Ideal candidates will be  enthusiastic buyers with a great story to tell and a desire to share  their experiences. Singles, couples and families are all invited to  apply!</p>
<p>Candidates who complete taping will receive a surprise housewarming  gift as part of the show and also a DVD copy of their episode to  document their first home buying experience for all time!</p>
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		<title>Does Certification for your Walk in Bathtub Matter?</title>
		<link>http://www.homeimprovementloaninfo.com/does-certification-for-your-walk-in-bathtub-matter/</link>
		<comments>http://www.homeimprovementloaninfo.com/does-certification-for-your-walk-in-bathtub-matter/#comments</comments>
		<pubDate>Thu, 19 Aug 2010 05:54:47 +0000</pubDate>
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		<description><![CDATA[<p>Standards touch your life every day. Products that you encounter and use in daily life should be expected to conform to certain standards and certifications. Whether you are using your toaster, driving your car, using the elevator in a building or purchasing clothing or toys for your children, we all look to standards to <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.homeimprovementloaninfo.com/does-certification-for-your-walk-in-bathtub-matter/">Does Certification for your Walk in Bathtub Matter?</a></span>]]></description>
			<content:encoded><![CDATA[<p>Standards touch your life every day. Products that you  encounter and  use in daily life should be expected to conform to certain  standards  and certifications. Whether you are using your toaster,  driving your  car, using the elevator in a building or purchasing  clothing or toys  for your children, we all look to standards to ensure  that product  quality conforms to our expectations.</p>
<p>Canadian Standards International states “A standard is a document   that has been prepared, approved, and published by a recognized   standards organization, and contains rules, requirements, or procedures   for an orderly approach to a specific activity. Standards may include   product design requirements, test methods, classifications, recommended   practices, and other considerations.</p>
<p>Many standards define safety requirements intended to reduce the risk  of  personal injury due to electrical shock or fire. Some standards set   levels of performance for products. Some address social concerns, such   as how our environment is managed or how information is used.” <a title="http://www.csa-international.org/who_accepts_csa/" href="http://www.csa-international.org/who_accepts_csa/" onclick="pageTracker._trackPageview('/outgoing/www.csa-international.org/who_accepts_csa/?referer=');">http://www.csa-international.org/who_accepts_csa/</a></p>
<p>For manufacturers, the process of certification is time consuming and   very expensive. That cost is in-turn passed on to you the consumer,  but  it means a higher quality product and you can be confident that the   manufacturer has put great effort into ensuring your safety. It also   means that a product will be compatible with other household components   such as electricity and plumbing.</p>
<p>There are a variety of walk in bathtubs on the market today with a   great range in price. Those that are selling at an unbelievably low   price are often not certified to Canadian and US standards. This may be   because the manufacturer has just not wanted to spend the time or money   to certify the product or it may be because the product is being   manufactured in a country where such standards are not important.</p>
<p>When a qualified installer comes to do a walk in bathtub installation   in your home, he/she must abide by the rules set out the trade  industry  which insist that the product being installed conform to CSA/UL  standards for Canada and the US.  If the  product and or its components  are not certified, a tradesperson cannot  install it without putting  his license as a tradesman in jeopardy. If  there are problems with the  product in regards to quality or safety you  can go back to the  manufacturer and expect to have the problem  corrected.</p>
<p>A walk in bathtub is expected to ensure safe bathing for the user.    What can be more important than safety, particularly to those who are   most vulnerable, seniors and those with disabilities?</p>
<p>Does walk in bathtub certification matter? Yes, of course it does and   though there may be models on the market that are so much less money   than others, pay attention to their certification – it may mean the   difference in your safety and yes, in even getting it installed.</p>
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		<title>Getting Your Home Ready For Winter</title>
		<link>http://www.homeimprovementloaninfo.com/safety-first/</link>
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		<pubDate>Mon, 19 Jul 2010 05:43:37 +0000</pubDate>
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		<description><![CDATA[<p>Inside your home, the winter cold can be more hazardous than summer heat, because heating a home can be done in so many different (and potentially unsafe) ways; wood fireplace, gas fireplace, radiant heat, electric heat, oil or gas furnace, boiler, even leaving open an oven! Conversely, there are few ways to cool air <span style="color:#777"> . . . &#8594; Read More: <a href="http://www.homeimprovementloaninfo.com/safety-first/">Getting Your Home Ready For Winter</a></span>]]></description>
			<content:encoded><![CDATA[<p>Inside your home, the winter cold  can be more hazardous than summer  heat, because heating a home can be  done in so many different (and  potentially unsafe) ways; wood fireplace, gas fireplace, radiant heat,  electric heat, oil or gas furnace, boiler, even leaving open an oven!  Conversely, there are few ways to cool air temperature; you can either  circulate the air, pump in cool air (air conditioning) or pull out warm  air (heat pumps).</p>
<p>Turning on that furnace for the first time after months of inactivity   is often a shock. It can literally be a shock to your heating system,  or it might be a shocking experience when you get your first heating  bill! But there are <strong>common sense things you can do to get your heating  system ready for winter.</strong> And, take it from a technician who visits  a variety of homes every  day, most people do not adequately prepare  their home for the peak  winter months. Here is some advice to consider before the next big  chill.</p>
<p><strong>Service Experts  highly recommends having a fire extinguisher next to your furnace,  fireplace or heating system at all times, especially when turning on the  system for the first  time.</strong></p>
<p><strong>Turn your furnace on now.</strong></p>
<p>Don’t wait until it’s freezing out to see if the system works normally. Do it now.</p>
<p>Got it switched on? Good. Now  stop and immediately check your common <em>senses</em>:</p>
<p><strong>1. Smell: </strong>Does it smell like something is burning?  If so, first  check to be sure there is not an actual fire or smoke  coming from the  heating system. If there is, turn the system off  immediately (you have  that fire extinguisher, right?) Put out any  flames or get out. Call emergency fire services or 911.</p>
<p>If there’s not a fire, wait and see if the burning smell subsides. If  not, this is a sign that the system needs to be <a href="http://www.serviceexperts.com/Services/Service-Plans/Precision-Tune-Ups.aspx" target="_blank" onclick="pageTracker._trackPageview('/outgoing/www.serviceexperts.com/Services/Service-Plans/Precision-Tune-Ups.aspx?referer=');">tuned-up</a>.</p>
<p><strong>2. Listen: </strong>Does it sound like the system is  struggling? Is the noise level or airflow excessive? This is also a sign  that the furnace needs to be tuned-up.</p>
<p><strong>3. Feel: </strong>Feel the ducts and walls. Is there vibration? If so, I recommend a <a href="http://www.serviceexperts.com/Services/Service-Plans/System-Inspections.aspx" target="_blank" onclick="pageTracker._trackPageview('/outgoing/www.serviceexperts.com/Services/Service-Plans/System-Inspections.aspx?referer=');">Performance  Inspection</a> to identify the cause.</p>
<p><strong>4. Look: </strong>Check your carbon monoxide detector’s  readings. If the carbon monoxide alarm goes off or is above 30, turn the  system off immediately and call for a furnace Performance Inspection.  This is a sign that there could be a potentially hazardous condition.  Open windows to air out the house and do not turn the heat on again  until it is checked by a professionally qualified, <a href="http://www.serviceexperts.com/Why-Us/Five-Standards-of-Excellence.aspx" target="_blank" onclick="pageTracker._trackPageview('/outgoing/www.serviceexperts.com/Why-Us/Five-Standards-of-Excellence.aspx?referer=');">NATE-certified</a> heating technician. You may want to also exit the home until the reading falls below 30.</p>
<p>After you’ve tested your heating system and followed your common  senses, you should have a pretty good idea if the system is working  normally.  By design, any appliance or equipment that heats up can be a  potential danger, so always put safety first when it comes to your  furnace. Checking your heating system early in the heating season not  only helps you know if there are problems now or on the horizon, you can  also beat the peak heating repair service rush, when heating repair  companies are in high demand.</p>
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