The kitchen is a great place to start when making updates to your home. According to Remodeling Magazine’s 2013 Cost vs. Value report, a minor kitchen remodel should regain up to 75 percent of total remodeling dollars, based on the increasing value of the home. When concentrating on this essential part of the house, many homeowners look for ways to add to add modern and luxurious modifications without breaking the piggy bank.

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Explaining a mortgage and how it works

Wednesday, June 25th, 2014

Q: What exactly is a mortgage and how does it work?

A: A mortgage helps make owning a home possible for most people. Simply put, it’s a loan that is secured by real property. The lender holds title to the home until the loan is completely repaid. If you don’t pay what you owe, the lender has a right to take the property and sell it to recover the owed money.

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In June, the U.S. Department of Housing and Urban Development (HUD) celebrates National Home Ownership Month by recognizing the critical role homeownership plays in America’s communities. This year’s theme is “Preserving the Dream,” which emphasizes the Obama Administration’s work in building a more steady and fair housing finance system that advances the American Dream of homeownership while avoiding the unsustainable forms of home purchase that fueled the recent housing crisis.

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Your home can say a lot about your personality. A slick new kitchen loaded with a double oven probably means you enjoy cooking and entertaining guests. A backyard with play sets, a treehouse or basketball goal is probably an indicator that your house is a hot spot for neighborhood kids. 

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