Ready to Trade-In Your Home?
Perhaps You Should Remodel Instead!



Each year, millions of Americans move into the home of their dreams. As time goes by, families expand, kids grow older, and suddenly that home isn't quite so perfect anymore. Or perhaps you still love your home, but you really want a gourmet kitchen and a larger master bedroom. Should you start looking for a new house? Or would it be better to stay where you are and remodel instead?
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When you think about borrowing, what is the first thought that comes to mind? If it’s your bank, you are thinking like the majority of America. Need a loan? Let’s face it, most of us think about borrowing the same way we think of our dentist…..we don’t want to be there. I recently had an oh-so-obvious light bulb go off, one that should have always been shining bright. But the bulb was dim, and I credit that to the fact I have worked for banks in my entire 30 year career. (We won’t...

It’s bad enough to go through something like a bankruptcy or a foreclosure, but to have to write about it can take your breath away. Now, you are forced to recall a part of your life you would prefer to forget. Take comfort you are not alone – you are actually in the majority with a credit blemish. Writing about a late VISA payment or a collection with the utility company seems a bit much, but there are reasons for these requests. This is not a lesson in humiliation, although it may feel like...