Pamela Lugacy's Blog

Posted on 11/22/2020
Moving to an HOA Community
Photo by Curtis Adams from Pexels Are you considering buying a home with a Home Owner's Association (HOA)? Living in an HOA community can be very rewarding. But if you're accustomed to living without one, it can bring some challenges. Know in advance what to expect with HOA living. Checking out the biggest pros and cons HOA homeowners...
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Posted on 11/15/2020
Tax Liens 101: The Basics
Photo by Gerd Altmann via Pixabay There are many fees and costs you’ll encounter as a homeowner. From closing costs that are due when first purchasing your home to your mortgage payment and property taxes, keeping up with these expenses is essential. But if you’re a homeowner that didn’t pay your property taxes, you’re at risk of losing...
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Posted on 11/08/2020
Is a Balloon Mortgage Right for You?
Image by Jojje from Shutterstock Many people own homes through a mortgage agreement. Traditional mortgages are primarily fully amortized or gradually paid off with regular payments over the lifetime of the loan. Each payment contributes to both the principal and the interest. A balloon mortgage is a short-term home loan with fixed-rate monthly payments that only take care...
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Posted on 11/01/2020
Traveling to Maine? Here's What You Must See
Photo by J. Lynne Hardesty via PixabayThe little state of Maine draws thousands of travelers each year. If you’re among those who are making the trek to this popular travel destination, you may feel overwhelmed by the plethora of things to see and do. If your time is limited, here are a few things you simply must see...
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Posted on 10/25/2020
Defending Your Home Against Termites
Photo by Binyamin Mellish from Pexels Termites are one of the worst possible nightmares you can face as a homeowner. These common insects can cause major structural damage right under your nose and eventually lead to thousands of dollars in repairs. Because they live in underground nests and inside the foundation of the home, it can be difficult...
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Posted on 10/19/2020
85 St Stephens Place, Staten Island, NY 10306 now has a new price of $737,000!
Own this renovated colonial. Beautiful massive kitchen, for entertaining. 3 bedrooms, 2 baths, full unfinished basement with high ceilings. 4 zone baseboard heat., 2 zone central air. All anderson windows. Sits on 75x100 parklike...
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Posted on 10/18/2020
First-Time Homebuyer Tips
Photo by KML from Pexels Buying your first home is exciting and you will spend a lot of time working with your real estate agent. However, before you begin searching for the right agent, here are some helpful hints to help you get started off on the right foot and make sure you are ready to purchase a...
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Posted on 10/11/2020
What is a Bi-Weekly Mortgage Plan?
Photo by Designer491 via Shutterstock The term “bi-weekly” means every other week. If you get paid bi-weekly, you usually get your check every other Friday. When it comes to a mortgage, typical amortization plans (payments of principal and interest) use a 30-year/360-month calculation. But many lenders offer a bi-weekly plan too. In this case, you would make 26...
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Posted on 10/04/2020
Indoor Gardening: Easy-to-Grow Herbs
Photo by Suzy Hazelwood from Pexels If having freshly grown herbs at the tip of your fingertips appeals to you, growing an indoor herb garden is right up your alley. There are many flavorful herbs that you can easily grow indoors. The following are a few of the herbs that are most conducive to an indoor growth environment:...
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Posted on 09/27/2020
Comparison: Investment Property and Primary Residence Purchases
Photo by Alexander Zvir from Pexels Those who currently own a home may consider investing in a second home for income purposes. However, it is important to understand you may have hurdles to overcome when searching for a mortgage or obtaining homeowners insurance. Here are some of the most significant differences between buying an investment property and a...
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Posted on 09/20/2020
Inexpensive Smart Home Gadgets that Really Save
Photo by Halfpoint via Shutterstock When it comes to conserving energy, homeowners wanting to go green often spare no expense. Here are a few ways to upgrade your home without lightening your wallet. Smart Thermostat A powerful method to control your power use while saving money on your air conditioning bills in the summer and heating bills each...
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Posted on 09/14/2020
229 Bancroft Avenue, Staten Island, NY 10306 now has a new price of $585,000!
Beautiful three bedroom ranch featuring updated kitchen, new siding and roof, Full finished basement with 3/4 bath, detached garage Tranquil block, close to...
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