Discount points allow you to lower your interest rate. They are essentially prepaid interest, with each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage, the interest rate is reduced by 1/8 (or.125) of a percentage point. When shopping for loans, ask lenders for an interest rate with 0 points and then see how much the rate decreases with each point paid. Discount points are smart if you plan to stay in a home for some time since they can lower the monthly loan payment. Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.
Vines provide shading and cooling. Grown on trellises, vines can shade windows or the whole side of a house.
When hooking up a trailer, instead of connecting the trailer's safety chains directly to the hook in front of it on the vehicle, cross them. Put the chain from the right side of the tongue to the hook on the left side of the hitch. Likewise, put the other chain onto the hook on the right side of the hitch. That way, should the trailer come unhitched, the tongue and coupler will land on the crossed chains instead of skidding on the road.
Contingency clauses should satisfy the concerns of both the buyer and seller. Buyers also can protect themselves by inserting additional necessary contingencies. Indicate which items like curtains and appliances are to remain with the house. Then stipulate you have the right to personally inspect the home 24 hours before closing to make sure all is in order.