All sellers with homes built prior to 1978 are required to fill out a lead-based paint disclosure form and provide you, the buyer, with a lead-based paint educational booklet in any sale. Lead is a highly toxic metal that was used for many years in products found in...
Tips for Buyers
You will need a small entourage when you go on the quest to find just the right home. Laurel will be your trusted guide through the whole process and beyond – she is just a phone call away! Laurel will recommend experienced loan officers, home inspectors, real estate attorneys, and helpful people — contractors, electricians, plumbers and more – everything you may need once you’ve purchased your home.
Home Insurance
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...
Asbestos Concerns
Many sales agreements mention asbestos by saying "the buyer is aware asbestos may be used in the construction of this home." This can be a little unsettling. Asbestos is a known carcinogen, and when exposed, tiny particles can be released into the air you breathe....
Insulation “R” Values
The most important thing to be aware of with insulation, other than the safety issues of urea formaldehyde and asbestos (covered elsewhere), is the R value, or the insulating factor. The higher the number, the better the insulator. Don't be too shocked if the...
Home Heating Sources
Heating and cooling systems are some of the most important investments you'll ever make in your home. Heating and cooling accounts for 44% of your home's energy use. Various systems include electric, gas, propane, oil, and even wood-fired. The method of distribution...