Conventional mortgage loans usually can't be assumed by new buyers, but FHA and VA loans can be. The borrower must qualify for the loan and come up with a large enough down payment to cover the purchase, but for buyers able to clear those hurdles, the lower overall origination costs can make this an attractive option.
During construction, soil will often be without grass, trees, shrubs, and other plants. Without this protective vegetation, storms can move the soil into your neighbor’s yard, clog storm drains and streams, and carry pesticides and nutrients into the water. To prevent erosion, cover these bare areas with mulch, such as straw, grass clippings, stones, wood chips, and other protective cover. On steeper slopes, you should cover the mulch with burlap netting for extra protection. Vegetated and mulched areas increase water filtration into the soil, reducing erosive runoff water.