When purchasing a home, you will need to acquire homeowners insurance. In fact, all lenders will require a policy be in force prior to funding the loan. Make sure you have enough coverage, should anything happen. Policies refer to "replacement costs" that may not cover everything.

You should ask your insurance agent a lot of "what if" questions. The deductible amount also plays a big part in setting your premium. Higher deductibles lower the number of claims, and reduce your insurance costs.

Selling your home? These tips will help.  Improving curb appeal has shown to increase not only your property's value, but also the property values of your entire neighborhood.

Whether you are selling or staying put, here are five tips that can help you on your way to a beautiful home. Read more…

 

Struggling with your mortgage? On November 30, 2009, the Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA), which will help homeowners who are unable to retain their home under the Home Affordable Modification Program (HAMP). Under HAFA, a borrower (the current owner) may be able to avoid foreclosure by completing a short sale or a deed-in-lieu of foreclosure (DIL). Read more… or call Steve on his personal private line at 530-872-5411 or email me directly at steve@stevewilliamsteam.com