Finding Rent To Own Homes In Virginia and West Virginia

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Richmond, Virginia is a great place to live. You can get to Washington DC easily and the historic area is full of charm and Civil War history. You will find cobblestone streets and plenty of cafes and artist studios. It can be hard to find a place to live and if you are having trouble getting financing, it can be even harder. One option is to buy a home using the rent to own method.

Charleston, West Virginia is another popular place to live, and for similar reasons. it’s close to Pittsburgh, but less expensive, and also has a nice college town feel to it, even though it’s a sizable city.

Read on to learn how rent to own works.

Note: This article is about the rent to own process. If you’re currently looking for a house, you can find Richmond, VA homes on homeownersguides.org, or browse Charleston, WV homes here.

How Rent To Own Homes Work

richmond vaWhen you buy a home with the rent to own method, you are basically signing a lease on the home that also has a special addition that allows you to purchase the home at a certain price once the lease is over. You usually have one to two years to do this. You will also have to pay a fee which is called an option consideration to do this. The option fee can be up to 7 percent of the purchase price and you won’t get it back if you decide not to buy the home, so make sure buying the home is something you want to do.

As you pay rent, part of your rent money goes toward the cost of the home. You have to pay your rent on time to take advantage of this option however. Pay the rent late and you won’t get the credit. When you pay your rent on time, you build equity while you are renting. Since your end goal is to buy the home, you will be responsible for maintaining the home.

This type of deal works great if your credit isn’t great. To get a mortgage from a conventional lender, you need a high credit score and when you do rent to own financing your credit score doesn’t matter. This gives you a real chance to buy a home when you might not be able to if you go through a conventional lender. The banks aren’t going to get involved and the transaction is between you and the owner of the home. You also get to build equity this way.

Richmond and Charleston are great places to live and if you can’t get financing from a lender, you will want to consider a rent to own situation. It doesn’t matter if your credit is poor, you can still buy a house when you rent to own.

 

How To Find a Good Plumber

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Qualities Of The Best Plumbers

Are you looking to install new plumbing in your house? Are you looking for the best plumbers in this area for any maintenance or emergency plumbing tasks? If this is your first time using the services of a plumber, you should take some time before choosing the right one for the job. Certainly, you don’t want to spend a fortune only to go through another loss when fixing the terrible plumbing job in the first place. Here are some of the best qualities to look for in the best plumbers.

plumbersFirst, any plumber you are looking to hire should be licensed and certified by the local association. Before plumbers can start providing their services, they should have gone through the educational requirements as well as technical expertise in order to be fully licensed and certified. Therefore, when looking for a good plumber, you should first contact the local plumbing association to get the best candidates.

Secondly, you should always look for plumbers who are thoroughly experienced. If possible, the plumber you are looking to hire should have a few years’ experience.  With this much experience, you can rest assured that the plumber has handled numerous projects during the time he has been in business. That way, your project, regardless of how complicated it might seem to you, might actually be a walk in the park.

Third, any plumber you are looking to hire should be properly insured. Of course, there are a few who might lie about this so you should request for proof of insurance. If possible, contact the insurer and confirm whether the policy is up to date or not. Remember, plumbing is not an easy job and there are bound to be a few accidents during the project. As such, if you donít want to be liable for the accident, make sure the plumber is properly insured.

Next, you should always ask for a quote for the plumbing services provided before hiring any particular plumber. If possible, ask for quotes from a few plumbers before making your decision. Remember, plumbing is very costly and as such you donít want to be overcharged for any simple task. With a few price quotes with you, chances are that you might be tempted to go with the plumber offering the lowest prices. However, this is definitely the wrong way to approach this decision. Before using price alone to choose a plumber, you should consider all the remaining attributes mentioned above.

Lastly, it wouldn’t hurt to go hire a plumber with exceptional reputation in your area. If you ask for referrals, you are bound to receive lots of names to exceptional plumbers in the area. Also, if you check online for the best plumbers in this area, you will get a few good names. However, you should go ahead and peruse each website reading through testimonials and reviews to make sure you have the best plumber for your new project.

These are the top qualities of the best plumbers that you should be on the lookout for!

Categories: Homeowners Tips

Welcome To Azure Homes!

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coming soonHello there and thanks for taking the time to visit our new website. We’re still in the process of getting everything, but you can look forward to new posts coming out soon!

Azure Homes is an online media company designed by and for homeowners and real estate investors.

Whether you’re looking for design ideas, remodeling tips, or investment advice on how to purchase and rent out properties, this is the place for you!

Read more about our company on our about us page!

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