IMPORTANT HOME INSPECTION TIPS

1. Order a home inspection soon after your purchase offer has been accepted. Real estate contracts typically allow a limited number of days to complete a home inspection (and then to request repairs, if applicable). 

2. Reputation is important. Choose a home inspector who is known for competence and professionalism — a referral from your lender or realtor is a good place to start. Make sure the inspector you select has access to ongoing technical support and offers you post-inspection advice, if needed.

3. If the home has been vacant, ask the seller to have all utilities turned on during the home inspection. Failure to do so may require a second trip to the home and may involve additional fees. To properly evaluate the home, an inspector must be able to operate all systems.

 4. If your inspector recommends a further evaluation, have a specialist in that area conduct a more extensive examination prior to closing.

5. Be sure you understand all conditions identified in the inspection report and reported defects/and or areas of concern have been resolved to your satisfaction before closing. 6. Your inspector can arrange for other services such as radon screening, termite inspection, water analyses, lead-based paint testing and septic/well system evaluation. Take advantage of your inspector’s contacts when necessary to further minimize unexpected after-sale problems or hazards in your new home.

More information at: http://www.southernhomeservices.biz/index4.htm

The summer has a pull for us, no matter our age. It is a time to take a few days off work, barbeque in the backyard, go for a picnic, a hike, a swim, a bike ride or go out on the water on our boat. It is also a time to mow and weed the lawn, plant flowers and finish countless chores around the home that have been put off until the weather "cooperated." Needless to say, summer is a busy time when we do more activities and chores and can very easily overexert ourselves. That is why this month we are focusing on some tips that can help you have a fun and safe summer. Part of having fun is being aware of what precautions you should take and how you should plan ahead for whatever you choose to do. But we know you are busy, so here is the quick list for a safe summer!

Barbeque and Food Safety:

Always check your grill before using it after a long seasonal break. If propane is used make sure to check all the connections! Check your individual user manual for your grill; all of these will have a checklist of items to review that are specific to your make/model.

Grills are for outdoor use only. NEVER bring a grill indoors to cook. Carbon monoxide will accumulate and can be fatal.

Always set up the grill away from the home (at least 5 feet or more).

If using a charcoal grill, use a charcoal lighting fluid instead of gasoline. Make sure to let the fluid be absorbed by the coals before lighting. Move the lighter fluid away from the grill before lighting. Once you light the fire, stay with the grill, never leave a cooking grill unattended.

That goes for all of you - NEVER leave a cooking grill unattended! Have baking soda handy for a grease fire and a fire extinguisher on hand as well.

For safest results, always grill with a meat thermometer. See the recommended meat temperatures to the right.

Before cooking or preparing anything - wash your hands! In between working with different dishes - wash your hands!

Invest in some long cooking utensils for the grill - this will help prevent burns!

For best grilling results, thaw frozen meats before cooking them on the barbeque. The safest way to thaw foods is slowly in the refrigerator.

If you use the microwave to defrost meats, then make sure you are grilling them shortly afterwards and not storing them again before cooking.

If marinating food then do so in the refrigerator - not on the counter! If you want to have extra marinade to use as a sauce later, make sure to separate a portion ahead of time. Never reuse marinating sauces!

Use one plate for taking meats to the barbeque and another clean plate to take cooked items to the serving area. Never use the same plate. The raw juices can contaminate your cooked meats and side dishes.

When hosting a barbeque, make sure to supply plenty of clean plates and utensils. Encourage guests to get a new plate if theirs has been sitting out in the sun and became a playground for flies, ants, etc. as they waited between helpings.

That evil mayo - did you know according to the Department of Health, it is not really the mayo that is making that potato salad a dangerous game of chance. Instead it is the fact that when making salads usually the ingredients are mixed together when still warm creating a breeding ground for bacteria. Instead, chill all your ingredients separately before mixing them together.

Refrigerate any left over food within 2 hours of its initial serving. If the temperatures are higher, then 1 hour or earlier. Meat should be be kept hot for serving (140°F) and unused meat should be refrigerated immediately as it cools. If you have too much left over meat, make sure to freeze whatever you won't eat within the next 2 days.

When you shut off the grill make sure to shut off the propane as well.

For a charcoal grill, let coals burn out completely. The ashes should sit 48 hours before being disposed of in aluminum foil in a noncombustible container.

Food Safety on the Road:

Wash all fruits and vegetables. Even those with tough outer skins that you do not eat. When slicing these the knife may pick up bacteria from the outer skin.

Pack drinks and food in separate containers. The drink cooler is opened more often changing the internal temperature. This way the food container is disturbed less often and can remain colder.

Once at your destination, keep the cooler(s) out of the direct sun. Keep them in the shade, covered with a blanket. If on the beach, burry it partially in the sand in a shady spot or under an umbrella.

If grilling at the park and you need to dispose of ashes, make sure to place them in heavy duty aluminum foil and soak them in water before placing them in a noncombustible container.

If you use a recreational vehicle such as a camper, always review any canned foods that may have been left there. If temperature fluctuated and cans were frozen and thawed then they need to be discarded. Make sure to thoroughly clean the refrigerator out before using it this travel season.

Bug Prevention:

The best insect repellents contain DEET. However, they should not be used on children under 2 months of age. Also, bug repellent should be applied once per day. Do not get a sunscreen/bug repellent combo as you will need to reapply the sunscreen every two hours.

Avoid using scented soaps and perfumes. Also be careful with bright colored clothes as they attract certain bugs as well. Be extra careful around stagnate pools of water, heavily flowered areas and unused areas as these are more likely to be nesting areas or feeding areas for bugs.

Wear hats and long sleeves in the woods. Make sure to examine clothing and scalp for ticks. If you find a tick gently pull it out with tweezers. Do not use your fingers as you may squeeze it too hard. The methods of burning ticks with matches or suffocating the tick with nail polish don't work for removing ticks from the skin. If you live in a wooded area, try to keep your yard well maintained, ticks do not like direct sun and are looking for overgrowth areas.

Lawn Mower Safety:

Nearly 75,000 Americans are seriously injured in lawn mower accidents each year. About 10,000 of those injuries involve children. Data from University of Michigan

Always read and review your owner's manual at the start of the mowing season. There will be specific checks you will need to perform.

If you can, get a mower with an easy kill switch, a double handle that stops the motor when dropped is a good design to have.

Keep children and pets indoors or well away from the lawn mower at all times. Don't let children ride on the mower for "fun" and it is recommended that children not operate mowers until 16 years of age.

Pick up debris before mowing the lawn.

Wearing protective eye gear is also recommended.

Wear sturdy shoes when mowing. Never move the mower back towards your feet, always go forward.

Sun Safety:

The harshest time to be out in the sun is between 10:00am-4:00p.m. This includes cloudy days as the sun still penetrates the clouds although you may not feel it. During these hours of the day you should have a sunscreen of 15SPF or higher. Sunscreen should be applied 30 minutes before going outside and reapplied every two hours. During really hot hours, stay indoors as much as possible.

Sunglasses that protect you from at least 90% of UV sunlight should be worn.

Dress for the heat. Wear light colored clothes of a breathable fabric, such as cotton. Wear a hat or use an umbrella if in direct sun for long periods of time.

Drink plenty of water, drink water even if you do not feel thirsty as you need to keep your body hydrated. Avoid drinks with caffeine or alcohol as these will only aid dehydration.

Eat smaller meals more often. Eat less protein to reduce metabolic heat.

Avoid strenuous activity. If you are going to be doing really strenuous work or sports, do them early or late in the day. Take breaks often!

Need to know "HEAT" definitions:
Heat definitions from www.redcross.org

• Heat Wave: More than 48 hours of high heat (90°F or higher) and high humidity (80 percent relative humidity or higher) are expected.
• Heat Index: A number in degrees Fahrenheit that tells how hot it really feels with the heat and humidity. Exposure to full sunshine can increase the heat index by 15°F. Heat cramps:
• Heat cramps are muscular pains and spasms due to heavy exertion. They usually involve the abdominal muscles or the legs. It is generally thought that the loss of water and salt from heavy sweating causes the cramps.
• Heat Exhaustion: Heat exhaustion is less dangerous than heat stroke. It typically occurs when people exercise heavily or work in a warm, humid place where body fluids are lost through heavy sweating. Fluid loss causes blood flow to decrease in the vital organs, resulting in a form of shock. With heat exhaustion, sweat does not evaporate as it should, possibly because of high humidity or too many layers of clothing. As a result, the body is not cooled properly. Signals include cool, moist, pale, flushed or red skin; heavy sweating; headache; nausea or vomiting; dizziness; and exhaustion. Body temperature will be near normal.
• Heat Stroke: Also known as sunstroke, heat stroke is life-threatening. The victim's temperature control system, which produces sweating to cool the body, stops working. The body temperature can rise so high that brain damage and death may result if the body is not cooled quickly. Signals include hot, red and dry skin; changes in consciousness; rapid, weak pulse; and rapid, shallow breathing. Body temperature can be very high--sometimes as high as 105°F. Call 911 or your local EMS number. Move the person to a cooler place. Quickly cool the body by wrapping wet sheets around the body and fan it. If you have ice packs or cold packs, place them on each of the victim's wrists and ankles, in the armpits and on the neck to cool the large blood vessels. Watch for signals of breathing problems and make sure the airway is clear. Keep the person lying down

Sun Safety for your Pet:

Dogs and cats don't sweat to lose excess heat, instead they pant. Most of our pets know better and will not over exert themselves in high heat. However, if chained in the sun or locked in a car, there is little they can do to avoid it. Never leave you dog unattended in a car. Although it is only 75°F outside, in the car it can reach up to a 100°F in one half hour. If you return to your car and your pet is agitated, wide-eyed and panting rapidly they may have heat stroke.

Always provide shade and water for your pet on hot days. If there are heat wave warnings bring them inside with you.

Animals have a natural higher temperature than humans (100°-102°F for both cats and dogs). However, anything 105°F is a sign of heat stroke. Other signs of heat stroke in animals include rapid panting, wide eyes, salivating, pale and dry gums, staggering and weakness. They may even become unconscious.

The best way to treat heat stroke is to get them wrapped in wet towels and fan them as you would a human. Some suggest immersing them in cold water, but depending on the severity this may be too much too quickly. Also run cold water in their mouth. Keep track of their temperature, get them down to 103°F. Call your vet or animal hospital immediately.

Hiking Safety:

Plan ahead for any hiking trip. Take a look at the route and consider what equipment and skills you may need. Discuss emergency plans with your group before heading out. Know where the nearest ranger station is from where you start. Also, leave a detailed itinerary with someone back home. Let them know what car you are taking, where you will be starting and how long you expect to be.

Always hike with at least one other person. In more remote areas it is suggested that you hike with at least four people in your group. This way you will have one to stay with an injured person and two to go for help.

If a trail is marked as closed DO NOT go there. If an area requires special permits - DO NOT go there unless you have already obtained them.

Be prepared for bad weather and extreme weather changes. You should have enough supplies to get you through a night if needed.

Always assume the water from streams and rivers is NOT safe for drinking.

A Hiking Backpack Checklist:
Info from www.redcross.org

• Candle and matches
• Cell phone
• Clothing (always bring something warm, extra socks and rain gear)
• Compass
• First aid kit Food (bring extra)
• Flashlight
• Foil (to use as a cup or signaling device)
• Hat
• Insect repellent
• Map
• Nylon filament
• Pocket knife
• Pocket mirror (to use as a signaling device)
• Prescription glasses (an extra pair)
• Prescription medications for ongoing medical conditions
• Radio with batteries
• Space blanket or a piece of plastic (to use for warmth or shelter)
• Sunglasses
• Sunscreen
• Trash bag (makes an adequate poncho)
• Water Waterproof matches or matches in a waterproof tin
• Water purification tablets
• Whistle (to scare off animals or to use as a signaling device)

Survival Pack - one pack should be carried by EACH person in your group and should include: a pocket knife, compass, whistle, space blanket, nylon filament, water purification tablets, matches and candle in a waterproof container.

Bicycle, Skateboard & Scooter Safety:

Always wear a helmet when bicycling. If on a scooter or skateboard, wear the proper protective gear such as knee and elbow pads and a helmet.

Only ride a bike that is properly fitted for you. If not fitted correctly you may hurt your knees, back, arms and will not be able to maneuver or stop as well as you should be able.

When entering the roadway from the driveway - always look! This is a high accident area as many cars do not see those coming out of driveways on bikes, skateboards and scooters.

If traveling on the road, make sure to follow all the road signs and lights. Bicyclists should follow the same rules as cars and use standard hand signals. Skateboard and scooter users should be extra carful on roads as well. HOWEVER, it is strongly suggested that scooters users stay on sidewalks and skateboarders stay well away from roads, preferably skate at the skate park.

Be predictable. Do not weave in and out of the roadway or cars. If you come to an obstruction in your path, stop and look around and behind you before going around it. A sudden swerve out into the road will not be anticipated by automobiles that are traveling much faster than you are.

Pay attention at all times. Obstructions such as wet leaves or loose gravel may come upon you quick if you are not paying attention. Also be careful around parked cars, you may not see someone opening the car door until you are right on top of it.

Try to avoid being out on the road at night or in bad weather. If you are out, be extra careful; imagine the cars cannot see you and ride defensively. You should have bright colored clothing and reflectors or battery operated lights as well.

All skateboarders should learn out to fall. Considering fractures and breaks from falls are the most common skateboard injuries, knowing how to brace yourself is important. If starting out in the sport, start small, skateboarding is just like any other sport, it takes practice and time to develop the skill.

When riding on the trails always give pedestrians the right of way. If passing from behind let them know by using a bell or stating "on your left," before passing. Keep a controlled speed on trails as you do not always know who is there around the bend. If the trail is shared with horses, slow down and give them a wide space when passing. Again, let them know you are coming by stating "on your left."

Water Safety:

Learn to swim! This is a skill everyone should take time to learn. Even the basic knowledge can help!

Children and inexperienced swimmers should use an approved floatation device/life jacket when in or, in the case of children, near the water.

Never leave a child alone around water. Make sure someone is watching them at all times!

Never swim alone. Always swim with a friend or in a supervised area. Never snorkel alone. Never surf alone.

Read and OBEY all posted signs. Do not dive in the water unless the area is clearly marked as safe. Even when marked, make sure to check for any person or debris below before diving. If the area is not marked, always enter feet first.

If swimming in lakes, rivers, or the ocean, be familiar with these bodies of water. Make sure you are aware of risks such as debris, under tows, and currents. Also, always be aware of your energy level; you need enough energy to make it back to shore!

Pay attention to your surroundings. Pay attention to the weather. At the first sign of bad weather, leave the water!

If pulled out by an ocean current do not swim against it. Instead swim parallel to it gradually moving towards the shore. You have to move out of the current by swimming across it before you can head back inland. Think of an arc instead of a straight line.

Check surf conditions before entering the water. Keep away from piers and pilings when in the water. Watch out for wildlife and have some basic knowledge of what animals and plants are in the water. Know what you need to avoid and leave wildlife alone!

Do NOT mix alcohol and swimming activities - they do not mix!

If you own your own pool, make sure it is supplied with emergency equipment and first aid. Keep a phone nearby and have instructions for emergencies posted. Have CPR instructions and make sure to take lessons in CPR. Every adult responsible for watching kids around the pool should have CPR training.

Take lessons before attempting SCUBA diving. Never dive alone. Only dive for areas you are trained for. Be familiar with your equipment and check it often.

Boating & Watercraft Safety:

Always have on life jackets. Make sure they properly fit everyone on your boat - especially children!

Learn to swim! Also, take a boating class, learn everything from navigation rules to information about your particular boat.

Do NOT mix alcohol and boating activities - they do not mix!

Let someone on shore know how long you will be gone and where you are going.

When using jet skis or other personal watercraft make sure to know the rules of the water body you are on and obey these rules. Be courteous to others and look out for swimmers, skiers in the water, etc.

Do not water ski at night. Always have someone in the boat to watch and aid the skier. Always approach a skier in the water with the engine off.

If fishing, scale, gut and clean the fish as soon as they are caught. Wrap fish separately in plastic and keep on ice. It is recommended that fish be cooked and eaten within 2 days or frozen. Frozen fish can last up to 6 months. Shellfish should be kept alive until cooked. Lobsters and crabs should be cooked the same day they were caught. Oysters, mussels and clams should be cooked within 5 days.

The phrase "buyer's market" is used a lot in the news today. Frankly, it is one. The interest rates are encouraging, although not the lowest for 30 year loans, they are still low and make it a good time to buy. Also, there is quite a choice for buyers to choose from on the market. This only increases as we get into spring and summer. So how do you get your home for sale to stand out from the crowd? Set a realistic sale price. First, know the appraisal value of your home. If you don't, hire an appraiser. You need to know what the bank thinks your home is worth. Setting your price too high can break a sale at closing. Next, take a good look at the market around you. Compare yourself with like homes; homes that are the same age, similar square footage, comparable yards, and in similar neighborhoods. Then see which of these homes have been selling and which have been sitting. Consider how long you want to be on the market. Depending on your location, even a well priced home may take 60-90 days or longer in a buyer's market. Make sure to concentrate on here and now, do not get stuck looking at what your home might have sold for last summer or fall. Facing the reality of how much your home is worth on the current market will help you avoid reducing your price or offering incentives you would rather avoid. Know your competition. As stated above, make sure to compare yourself to like homes. Also, check to see what, if any, incentives comparable homes are offering. Tour some of the homes. Get an idea of what updates have been done. Take a look at how comparable homes are being staged or what they are lacking in their staging. Sometimes using a critical eye on homes you are not attached to can help you discover what potential buyers may be seeing in your home. Get an experienced realtor. Find a realtor who has been selling homes for a while. Especially with the recent fall in home sales for most of the nation, you want to make sure you get a realtor who will avoid knee jerk reactions to a market they haven't experienced before. A realtor who is familiar with your neighborhood and knows what buyers are looking for can help you prepare the house for sale. Stage your home for showing. Set your home up as a model home. Go to an open house at a new development or home and garden show in your area. Notice how there are tasteful decorations that offer the aesthetics without the personality? Take down family pictures, collectables, anything that tells about your personality. You are moving anyway, so get these items boxed up now. You want buyers to walk through your home seeing the home as one they can picture themselves in. You don't want the buyers to walk away thinking, "Wow, they really like Elvis!" Ramp up the curb appeal. Make sure to keep the yard and front walkway pristine. This is the first impression before a potential buyer walks in or even picks up that flyer. Your backyard should be cleaned up as well. Sometimes people forget that the outside of the home can say a lot about the owner. If you have a neglected yard, buyers may wonder if you are neglecting other problems inside your home as well. Fix or update problem areas now. The last thing you want is to get an offer and then have something come up in a home inspection that can break the deal! If you aren't sure, it is not uncommon for buyers to have their home inspected before placing it on the market. Unless you are pricing your home below value as a fixer-upper, then you need to get any repairs done before going to market. Be realistic, although a new kitchen may add to your home, most likely the cost of remodeling will not be recuperated in your selling price. Instead concentrate on items that either have to be done or you can do easily and at little cost to yourself. Offer incentives for buyers. Incentives can vary in scope. Perhaps the carpets are old but you don't want to get them replaced; you can offer a carpeting/flooring allowance. Perhaps you want to drive the buyers to close by offering to pay closing costs. You can pay for other buyer costs such as homeowners insurance, home appraisal or home inspection. In the case of a condo, you can offer to pay the first 6 or x months of homeowner dues. Another incentive that might help is being flexible on your move in date. Respond to offers and questions quickly. Don't let potential buyers sit wondering what happened to their offer. Get back to any offers or questions about the home as quickly as you can. This will include the help of your realtor as buyers will contact them first. Make sure your realtor is a good communicator and will respond quickly!

Welcome back to Rocky’s Corner! Last month we started Part 3 of an 8 part series of Preventive Maintenance Tips for your Home when we recommended maintenance tips to use every 6 months. This month’s we will discuss tips for once year maintenance. Every Year SHUT-OFF VALVES: Review the location of all of the shut-off valves in your home with all your family members so you will be prepared for emergencies. Whole-house water shut-off valve: The main shut-off valve should be beside the meter if you are on City water. If you use a well, the shut-off valve will be on the house side of the pressure tank. You should also cut power to the tank. Whole-house hot water shut-off valve: There should be a valve on the hot water outlet of the water heater, which controls all of the hot water to the house. Toilet shut-off valve: Show your entire family how to shut off the toilet by turning the ribbed oval handle under the tank if it ever starts to overflow. Sink shut-off valve: You should have handles beneath the sinks or within the cabinets; the one on the left is usually for hot water, the one on the right for cold water. Dishwasher shut-off valve: Look under the kitchen sink for a reducer coupling and shut-off valve leading to the dishwasher on the ½ inch hot water sink supply line. It could also be between ceiling joists just below the appliance if you have a basement. Washing machine: Valves are usually where the washer hoses meet the house supply lines. However, washer hoses are notoriously weak, so consider changing them routinely every year or at least close the valves when leaving home for an extended period of time. Gas hut-off valve: Identify location and show entire family how to shut off. Electrical Panel/Breaker box: Identify location and show entire family how to shut off main breaker in an emergency, or flip any circuits back on after an overload. GAS-FIRED, FORCED-AIR CENTRAL HEATING SYSTEMS: Inspect the thermostat, electrical components and controls. Check the heat exchanger, flue, ducts, airflow and air fuel mixture. Adjust the burner and oil the motor and circulation fan. Arrange for service calls before the start of heating and cooling season to get better attention and have more flexibility when scheduling appointments. HEAT PUMP: Schedule an annual service call to have a certified professional to inspect the wiring, check belts and replace if needed, and oil the moving parts. Arrange for service calls before the start of heating and cooling season to get better attention and have more flexibility when scheduling appointments. OIL-FIRED BOILERS: Schedule an annual service call for flue cleaning, a fuel-filter change cleaning and adjustment of the jets. Arrange for service calls before the start of heating and cooling season to get better attention and have more flexibility when scheduling appointments. FIREPLACES AND CHIMNEYS: Have your wood burning fireplaces and stoves inspected annually and cleaned and repaired as required to prevent chimney fires, carbon monoxide poisoning and mortar and flashing failure. Water leaks can also cause your mortar to deteriorate prematurely. Consider installing a chimney cap to protect your chimney from water, debris and critters. CLEAN CARPETING, UPHOLSTERY AND DRAPERIES: Have your carpets, upholstery and draperies cleaned regularly, once every 12 to 18 months to remove the dirt and grit that can wear them out prematurely. APPLIANCES: Inspect appliance hoses and ventilation according to the owners’ manuals. Replace if necessary. Vacuum the coils behind your refrigerator and freezer (found behind or under the appliance) to increase energy efficiency. GARAGE DOORS: Clean and lubricate hinges, rollers, and tracks; tighten screws. Join me next month for Part 5 of our series on Preventive Maintenance Tips for your Home. We will be discussing tips for every 2 years. Visit us at www.freminshomeimprovement.com

The Appraisal Foundation - USPAP (Uniform Standards of Professional Appraisal Practice) defines an appraisal as "The act or process of developing an opinion of value." This valuation is a determination of your property's market value - what it will likely sell for on the open market. So how is this "valuation" determined? Why does the idea of getting an "opinion of value" create so much apprehension about the process? What can you do to make your home appraise better, if anything?

What do you do if your home doesn't appraise well?
elow are commonly asked questions that hopefully will give some clarity about home appraisals. What is a home appraisal? A home appraisal is a survey of a home by a professional for their opinion of the property market value. In most cases an appraisal is done for a bank when a home is being approved for a loan for the home buyer. The home appraisal is a detailed report that looks at such items as the condition of the home, the neighborhood, what similar homes are selling for, and how quickly similar homes sell (to name a few). The appraisal may be a sales comparison or a cost/replacement opinion of value. There is also an income appraisal, but this is done primarily with commercial properties. The sales comparison will look at other properties in your neighborhood and what they are selling for and then figure how they compare to your home. With a cost/replacement opinion of value the appraiser is looking at what it would cost to replace the home if destroyed; this is more commonly used for new homes.
Important Note: An appraisal is not a home inspection! Appraisers only look for major concerns, they do not examine the home's full condition (i.e. examine the roof, appliances, etc.). For this reason a home inspection should still be requested by the home buyer before purchasing the home.

Who is an appraiser?
Appraisers are licensed by individual states and are held to strict ethical standards. Appraisers are the third party whose purpose is to give their opinion of the market value of a home. Ideally the appraiser should not be connected with anyone involved with the home transaction.

Who picks the appraiser?
When an offer is made on the house the appraiser will normally be determined by the lender. The lender may have their own appraiser or contract with an independent party. Sometimes the bank will allow the seller to choose an appraiser, but only when that appraiser is already well known to them.

Can the seller get their own appraisal done?
Yes. The home seller may commission their own appraisal before selling the property to determine cost. However, this will cost anywhere from $300-500 and the bank most likely will not accept this appraisal but request another to be done by their own contact.

If not by appraisal, how do I set the price for my home?
Home sellers can set the price of their home with the help of a REALTOR(r) using a comparative market analysis (CMA); the CMA is not a substitute for an appraisal but will give a good idea on setting an asking price (usually 5-10% more than the market price for your area).

How can you prepare your home for appraisal?
Prepare for your home appraisal like you would for a home sale. You are in essence re-selling your home. Make sure all the maintenance you can do is done; this includes clearing and trimming the yard to painting the house - hopefully most of this was already done for the sale and should at most need only a minor touch up. Be polite to the appraiser and give them full access to your home; work with them not against. Inform the appraiser of your home improvements. Let them know about the new windows, new floors, the finished basement, etc. And finally, don't be caught off guard. Do your homework! Know what similar homes are selling for in your neighborhood. This is something that should be done before setting your selling price. But in case your home has been on the market for a month or two, keep your research current. Let the appraiser know about similar homes and what they have sold for, especially if you know why a particular home that is like yours sold for less, let them know why your house is different.

What if the appraisal is low?
An appraisal that comes in lower then the asking price can jeopardize the loan and ultimately the sale. The lender will generally only loan up to 80% of the appraisers opinion of the home's value. The most common result is that the seller can lower their asking price. Or the seller and buyer can negotiate and meet at a price in-between. If the buyer still wants the home badly enough, they may put more money down; but this may still not guarantee their loan as the lender will still view it as negative equity. The final option is to dispute the appraisal. Before disputing with an appraisal, do your homework. Look at the homes in your community that have sold in the last 6 months and see what the differences are that may make your home more valuable. Perhaps there is a sale that the appraiser missed, perhaps other homes do not have the renovations and improvements you have done, perhaps the appraiser is not familiar with your type of home or neighborhood, etc. Building this case may be a good idea even before the appraisal. This will prevent you from getting rushed by the timeline after the appraisal is done. This is something you can ask for your REALTOR(r) to help with as they usually have a vast knowledge of your market area. Once you have the case, present it to the lender. They will likely get a new appraiser or request the same appraiser to reconsider it. If you do not want the same appraiser, make sure to specify this and ask for a second opinion.

What other aspects of the appraisal can hurt the loan?
By in far, the appraisers opinion of the home's value being lower than the asking price is the most detrimental. However, other factors may cause the lender to refuse the loan or require further contract negotiations. These concerns would result from property conditions that may require the home buyer to do more investing in the property to keep it valuable, such as upkeep on a private road. Your REALTOR(r) can help you with these types of objections and altering the contract to meet the lenders concerns.

The above is an introduction to answer some basic questions about the appraisal process. Please look at the links to the left for more detailed information. Now, if you are interested in what your home may be worth, check out Zillow for fun! This online program uses Google Maps to show what homes in your neighborhood are selling for or may be worth. Of course, I would suggest caution as the opinion of value given for most homes is rather high: http://zillow.com/ Happy appraising!

Bugs are a part of life and rodents often come wandering through. These animals are part of the environment and serve their purpose in the great chain of things. However, they can become a nuisance and may even be dangerous if they take over our homes. They are then more aptly called 'pests' and need to be dealt with. This quick article will give you some preventive tips about how to battle common pests. You may adjust many of these tips to various bug and critter problems.

ANTS

Seeing ants around a home is usually taken for granted; however, an ant colony in your home can become a serious issue and should not be ignored. Identifying the species will be important to identifying the type of problem you have. A black ant may be something you can live with when moderated but a carpenter ant is just as dangerous to your home as termites. So what attracts these pests? Food scraps, crumbs, sugar spills or pet food are just a few examples of the type of foodstuffs that will attract many ants. Also, leaky pipes and other sources of water will also help keep the ants happy. Some ants, like carpenter ants, will go for rotting wood. How do you know if you have ants? Well, in most cases you will see them. Soldier ants will make not secret of their presence as they march through your kitchen looking for goodies. In a large indoor infestation you may also see the swarming of winged ants as they search for a new place to colonize in spring/summer. In cold winter months, if you see ants indoors, they are probably in your home rather than coming from outdoors. Finally, how do you get rid of them? First step is to follow their trail to their home. This may lead you to breaks in the baseboard, window, etc. showing you how they are approaching from an outside nest. In this instance, simply seal up entry points. If you find their nest is in your home or you cannot locate it for certain, then baiting is the best option. Ant colonies can sometimes be hard to locate and spraying may just encourage them to pack up and move to another corner of your home. Instead, baiting lets them take poison back to the colony themselves. Baiting is also considered less toxic than spraying. However, make sure it is out of the way or ignored by curious children and pets.

BEES/HORNETS/WASPS

Bees are essential to the eco system, helping plants spread pollen. Wasps, although they look similar to bees (have a thinner waistline), actually survive both on eating nectar and other insects which make them just as beneficial to the ecosystem. Although bees and wasps look the same on the outside they have many behavioral differences. However, one thing that does remain certain is that they all should be handled with caution. When both move too close to our home they can become a problem. So what attracts these pests? Both are attracted to areas that do not receive abundant traffic. This is why you may discover them on your property in areas used less often such as near sheds or side storage awnings. Bees and wasps may build their colonies in the ground, old tree trunks, cracks/openings in buildings and generally other quiet, out of the way places. Paper wasps make the nests in limbs, under eaves of houses and other high places. A good source of food and water and bit of piece and quite offer ideal conditions. How do you know if you have a bee problem? With bees you may not know until your at the area with a hive in the ground. Nests of paper wasps and hornets you can usually spot up in a high corner or nook. Again, bees, hornets and wasps can be beneficial to the ecosystem around your home and if they are not causing a danger may be left alone to work their magic for the summer. However, if they are in structures of your home or too close to where the family may stumble on their territory you should seriously consider getting rid of them. Finally, how do you get rid of them? Be very, very careful when going after any of these groups. Especially in the case of underground hives you may not know how large the hive could be. The biggest threat will be swarming. To protect yourself, make sure to cover you body as much as possible; use gloves, hat, scarf, etc. Also, try to get the nest at dusk or later when most wasps/hornets are back at the nest. There are many specialized chemical sprays on the market that can help eradicate these nests. Again, just make certain to proceed with caution or contact a professional if in doubt.

COCKROACHES

Cockroaches are notorious household pests. These bugs colonize rapidly and can contaminate everything they touch with diseases and allergens. They can spread sickness and irritate those with allergies. Not to mention they can overtake an area with a colony and cause physical damage to your home. So what attracts these pests? Cockroaches are attracted to damp and unsanitary places; sewers, drains, kitchens, bathrooms and storage areas to name a few. How do you know if you have a cockroach problem? If you don't see the cockroach directly, you can usually find signs of their damage and fecal matter. If you suspect cockroaches, setting up traps where you think they are active will help get an idea if they are in your home. Finally, how do you get rid of them? Sanitation is going to be the first key step. Getting messy, mildew ridden places clean will help minimize their romping grounds. Another step is to set up traps so you may better pinpoint their home(s). You will then need to set up a monitored program that may include baits, dusts, sprays and more traps. Keep track of your progress, if the problem persists you should enlist professional help. Also, the extermination program may vary depending on the species of cockroach in you home. A professional will know how to identify the species, find the colony (or colonies) and set a program to fully eliminate the intruders.

FLEAS

Fleas are usually a pest pet owners are the most aware of. These insects live off mammals, biting them and laying their eggs on them. The eggs eventually drop off onto sleeping areas and other areas frequented by the pet and continue their development there. Some animals and people are allergic to their bites, most however, just find them annoying. So what attracts these pests? You do, and your animals too. These pests survive off eating blood from mammals. Pets that are inside and outside will be the likely carriers of this pest into your home. They will bring them in and usually the fleas will concentrate in their dog/cat beds and other areas they sleep. How do you know if you have a flea problem? Usually targeting pets the most, you'll notice if they are itching and scratching a lot. You'll also may come to notice bites of your own. If allergic you will see red welts develop. Finally, how do you get rid of them? To get rid of fleas many times you will have to exterminate them in the yard as well as your home. Fleas spend most of their time on your pet or other animals. They lay eggs there as well, but these usually fall off into the surrounding area, such as your carpet! This is why when you eradicate your home of these pests you need to first clean these areas. Concentrate on where you pet sleeps and spends the most time indoors. Also vacuum, clean any pet bedding, rugs, blankets and anything else the pet has been near. From here you may then use over the counter insecticide to treat these areas to kill off as much as possible. You will need to apply these more than once as any flea pupae are immune to these sprays when in their protected cocoon. At the same time, any pets should also be treated. You can use flea baths in conjunction with various flea medications or collars. Be certain to read directions carefully as many of these are species specific (i.e. for cat or dog only) or also weight specific; ask your vet for recommendations. Finally, for your yard, there are pesticides you may spray on, again, concentrating on pet kennels, dog houses, runs and other areas they use the most. As with all these pests, you may also hire a professional if in doubt or if a severe infestation arises.

MICE & RATS

Mice are much smaller than rats. However, they are similar in that they have poor eyesight and find their way into your home through cracks and openings, following their nose. These openings may be in the foundation, roof, floor (if unfinished) or anywhere else that has an opening 1/4-1/2" in size. So what attracts these pests? Food and shelter are big draws. Many times it is stored food that you may not directly associate as a problem. An example would be stored seeds or camping supplies. Don't consider your items stored in the attic are any safer, roof rats got their name for a reason! How do you know if you have a mouse or rat problem? If you don't see these pests directly you will hear them and often see their damage. There may be gnawing on holes or entry points in walls or cabinets and gnawing on food boxes and similar items as well. You may also find droppings in the home. Most likely if you see these pests you will see them at night or when it is more quiet in the home. Finally, how do you get rid of them? First eliminate how they are entering your home. Any holes should be closed off with tough metal mesh or sheets. The harder the material the better as these pests can work their way through anything soft, like wood! Remove the temptations like stored food or piled garbage or clutter. For stored foods consider moving items into plastic or glass containers instead of cardboard (depending on how accessible these items are). Next you may use traps or poison or a combination of the two. Most poisons are taken by the mouse or rat back to their burrow, so you may end up a with a dead mouse/rat in the wall of your home - this will not smell good! Also, mouse/rat poison will make pets and humans very sick if ingested, make sure to keep it away from pets and children. Check with a professional if you have a large infestation or are uncomfortable using traps and poisons on your own.

MOSQUITOES

Mosquitoes are annoying! They buzz in your ear and inflict bites that itch and seem to appear out of nowhere. It has always been known that some mosquitoes can transmit diseases. They have received more attention in the news lately due to their carrying the West Nile Virus. It is important that you keep repellent on you when camping and enjoying the outdoors. Here is some additional information about what do you do when they become a pest in your yard and home. So what attracts these pests? These pests lay their eggs in standing water. This can be a pond, a rain barrel, old tire or a tin can (to name a few). As long as there is a bit of water or moisture many species of mosquito can survive. Some will even lay eggs in low vegetation/ground cover that is damp and secluded. What attracts them to you and your pets is your blood supply. However, this is only the females as the male mosquito eats nectar from plants instead. How do you know if you have a mosquito problem? You will know if they are pestering you! Also, if you have standing water or a pond you can sometimes see their activity in the water. Finally, how do you get rid of them? You can start by eliminating standing water on your property. However, this may not rid you of the pest entirely as they can travel distances and may be breeding somewhere away from your home. Next you can get various repellents for your yard and home. However, keep in mind that it will be an ongoing treatment since this pest may be coming from outside your property. Oftentimes, personal protection such as sprays for the skin are your best defense against these pests.

SCORPIONS

These pests are more of an issue in southern states but do inhabit some northern states. They have two large pinchers and a stinger bulb at the end of their tail. Usually they will leave you alone unless provoked. However, if they are hiding in your home you may run into more problems than if they were only living outside. So what attracts these pests? They usually can come into the home like many other pests, through cracks and other openings. The are usually looking for bugs, moisture and dark places to hide. Directly outside the home they may be in wood piles or under rocks. How do you know if you have a scorpion problem? You will most likely see these pests at night when they are out hunting. It is also possible, if they are in your home, that you will find them in closets, bathrooms and other dark and/or damp areas where they are comfy. Seeing one does not mean you have an infestation, however, it does mean that they are getting into the house somehow and you should do an inspection of your perimeter to make sure you can keep others out. Finally, how do you get rid of them? Remove firewood, rocks and debris too close to the home which may offer them their first hideaway. If you have areas of your home prone to moisture problems, then get these areas fixed and dry them out. Regular bug control will help as well as you will be removing their food source. There are chemicals on the market, but you will want to rid your home of hiding places before using these. Seek professional help if you are uncertain. Also, make sure to wear protective clothing when searching them out such as gloves and boots. Most scorpions are not lethal to humans, but their sting will hurt like a wasp or large honey bee.

SPIDERS

Spiders are a part of home life. They can be good friends in combating unwanted insects and aid in pest control. For example, big colorful garden spiders may look intimidating, but they can prove a valuable ally in getting bugs out of your yard. However, all spiders can become pests themselves when they become too abundant or invade your home. So what attracts these pests? Most spiders are attracted to an area with many bugs to feed on. They usually want a high or low corner where they can remain undisturbed. Spiders that build webs, will do so where it can remain undisturbed but will also trap bugs as they wander about. Some spiders, such as wolf spiders, do not build webs but instead go out on potrol hunting for bugs. These spiders will hide out during the day and come out when it is quieter. How do you know if you have a spider problem? You may notice too many webs and in some cases, molted shells within the webs. You may also find egg sacs that are full of tousands of eggs that you will want to dispose of carefully. To squeeze one of these too hard is not a pleasant experience! Also, you may notice spider bites. These small bites will let you know that they are too abundant. Finally, how do you get rid of them? Like many of our other pests mentioned, getting rid of debris around and inside the house will help. Also, getting rid of their food supply - if you keep you other bugs out they won't have food to find in your home. Make sure you identify a spider before acting. If it is a poisonous spider, such as a hobo or brown recluse, you may want to get professional extermination. If it is a garden spider you may want to just trap them and put them outside in your garden where they will become a very good ally.

TERMITES

The most common pests that like to devour your home are termites. These pests alone are estimated to cause $5 billion a year in damages!* These pests will literally eat you out of house and home if left unchecked. Like many pest issues, the damage they can do to your home is devastating and unfortunately not covered by homeowners insurance. Therefore it is important when buying a home to get a inspection for bug problems. So what attracts these pests? Moisture is a big draw and they like to keep the humidity levels up. Keep the foundation of your home dry by ensuring all your drainage is working properly; make a point to check for moist spots so you may correct the drainage ahead of time. It is a good idea to keep a gap between any wood and dense plants and the soil around your home. Along these same lines, you should make sure gutters are kept clean of debris. If they become clogged these too will attract termites to your home. Keep firewood stored elevated off the ground and away from your home. You should not let unused firewood just sit and rot as this will become a termite haven. If building a new deck, fence, etc. make sure to use treated wood and seal it from water. Also, using sand around posts, under decks and other areas will make it more difficult for most termites to tunnel their way in. How do you know if you have termites? If you begin to see flying termites in your home and wings discarded in window sills, doorways, spider webs, etc. this may be a good indication that there is a colony in your home. One of the tell tale signs is pencil sized "mud-tubes" that are part of the network termites build. These tunnels in wood are soft and can easily be crumbled with a knife. Finally, how do you get rid of termites? There are three types of treatments a professional inspector can offer: soil treatment which uses a diluted poison placed in the soil to protect the perimeter and serves for long term protection from termites (this is usually used in cooperation with one of the next two treatments); wood treatment which treats the wood directly effected and surrounding area with poison, and finally bait treatment which draws the termites out which gather the poison and take it back to the colony. Whichever of these you choose, it is highly recommended that you consult a professional to get this type of job done correctly. One item you may want to ask a professional you hire concerns the chemicals they will use. Many of these are toxic well after applied. Make sure they are aware of children and pets in your home and might be able to offer alternatives if necessary.