Tag: home

the lender

Sale and discounted loss: It is possible that before initiating the foreclosure proceeding, the lender that manages your mortgage allowed to sell their home on their own and agreed to write off the difference between the sale price and the balance of your mortgage. Through this option, you can avoid the entry of a foreclosure on your credit report that harms your credit rating. You may have to take over the payment of taxes levied on the amount of their debt forgiven. For more information, consider consulting a financial adviser, accountant or lawyer. Deed in lieu of foreclosure: In this option, you will voluntarily transfer title of ownership to the lender that manages your mortgage (with the agreement of the entity) in exchange for the cancellation of the balance of its debt.

Even if you lose your house, the option deed your property to the lender instead of running it may be less damaging to your credit score. You will lose the amount of whatever is capitalized as amortization of the mortgage on your property and you may have to bear the taxes levied on the amount of their debt forgiven. It may be that the option of writing in lieu of foreclosure is not an option in your case if you have any other loan or financial commitment secured by your property.

You do not have to go through the process of foreclosure prevention alone. A counselor who works at a counseling agency in housing issues can assess your situation, answer your questions, discuss your options, prioritize your debts and help you prepare for discussions with the lender.

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Decoration

The Zen style as decoration style has become a fashionable tendency lately. It is that the adaptation of the Eastern wisdom to the decoration has made the creation possible of atmospheres that being subtly masculine, have much harmony and are balances. In Europe it was known at the beginning of century XX and since then the benefit of the Zen atmospheres was already seen. We analyze some characteristics of these. If it must mention an excellent characteristic of the Zen style, one is due to speak of the colors, standing out the neutral colors of a range of colors between ocher and the beige. If you enjoy the wood furniture, this it is a very opportune style because much natural wood is used (the Hague tree specifically).

As far as the design of the furniture, this it must be simple. One is due to decide on straight furniture. The reason is that these invite as much to the order in the external thing as in internal it. To obtain comfortable spaces is a rule of the Zen style and these usually are at the same time, sober. The rooms are not due to fill with elements since the people must to be able to move by them without obstacles, with comfort. Then its mission will be to choose movable that really needs, neither the more, nor the less.

Importance is due to give him the illumination because it cannot be direct. In addition oils or sahumerios are due to use to give a smooth aroma to the rooms. If it will begin decorating the hall with the Zen style, a beige color can be chosen to give the same calidez at the same time and, amplitude. Considering that is not due to saturate the space you will choose the decorative objects very well that will go in the hall.

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Materials

After its transport to the construction site, one marries prefabricated can be mounted, be closed and occupied in a matter of days. Saving of materials used in work, with the elements prefabricated in buildings or the modular houses, is possible the construction or assembly in dry, that is to say, can be done without mortar. Reduction of the residues of the construction, when arriving the prefabricated components at work, would be reduced the amount of residues generated in the land where the construction is realised (packing, breakage of pieces ) One affirms that end items can be created that allow the energy saving. For example, panels for houses prefabricated with a greater heat insulation would be constructed than the one that usually is applied in the majority of builds them. The prefabricated components would be constructed with materials of the same quality that in the work or even of quality superior, since the components and process of production would be subject to a greater control in the plant (environmental conditions, quality controls ) In addition, the materials less would be exhibited to meteorological inclemencies, since the assembly is realised in a brief period of time and they would not be exposed to adverse climatic conditions during months.

Also they would own a greater strength to resist during the transport and assembly. By all this they would be also more resistant after his construction. The prefabrication of constructive elements could lay the way towards the creation of buildings in which outside simpler desensamblar or deconstruir when these arrive at the end of their life utility and to thus be able to use the materials in another place. Also it would be possible a greater control on the processes and materials, as much in the management of residues generated (simpler in plant than in work) like in the toxic product elimination.

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Decoration Firewood

One of the most pleasing things of the winter is the possibility of being able to much more enjoy the heat and the calidez of a firewood stove and when it is possible to be done in family. Imagnela in his living or its dining room and you and its children talking while they feel the noise of the firewood burning. But it waits, if it liked the idea, not necessarily his stove must go in those two atmospheres. Also they are possible to be located in the bath and the kitchen. If not yet he is completely determined, thinks about the following image: the sound of the firewood burning and in front of her, illuminated by its light, you and its family, seated comfortably in a sofa. If it makes specific this, one will not regret but before doing it will have to think if it is possible that in its house a firewood stove exists.

It happens that sometimes the atmospheres are not apt to place it and besides all the benefits of his installation also there are certain disadvantages that must consider. A great advantage to have a firewood stove in the home is the make to save in electrical energy and along with her the elegance that it will give him to atmosphere where it will be since with few furniture it will be managed to have a worthy room of admiration. Imagnela with a pair of good wood sofas rustic. It is more, imagnelos done by same you. If sometimes it wanted to make his own furniture, this one is an excellent opportunity. The industrial era has given to you and the everybody opportunity to acquire furniture of all type in abrir and closing of eyes but what so the power to make furniture in house? It would be a very good activity to do in family and along with its firewood stove they would be seen really well.

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