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WHAT TO KNOW ABOUT THE HOMEOWNERS’ ASSOCIATION

Homeowners’ associations (HOAs) are legal entities that have been established to maintain common areas within a development.  Most condominiums and townhouses and new single-family subdivisions have HOAs.  They are created at the time the development is started.  Covenants, Conditions, and Restrictions (CC&Rs) are issued to each homeowner and the HOA is established to make sure […]

A SILVER LINING: HOUSING AFFORDABILITY

 lower housing  

The silver lining in the current housing market is affordability.  There has never been a more affordable time for buyers.  The National Association of Realtors recently posted a record high housing affordability index of 173.5 for the country.  This is the highest rating since the Association began recording affordability in 1970.  The index […]

HOMEOWNERSHIP STILL PAYS

In spite of the real estate market’s decline over the past couple of years, a recent analysis of Federal Reserve data by the National Association of Realtors shows that homeownership is still a smart financial decision.  For example, when comparing homeowner’s wealth to that of renter’s homeowner’s wealth exceeds by a 50 to 1 margin.  […]