Federal Mortgage Laws

Though state and local laws usually regulate specific aspects of home mortgages, such as mortgage flipping, prepayment penalties and amortization regulations, the federal government has provided more general steps to protect customers during the home-buying procedure. Laws like the Truth-in-Lending Act and Real Estate Settlement Procedures Act regulate lender disclosures to potential borrowers, while coverages Read more about Federal Mortgage Laws[…]

To Refinance With HSBC Mortgages

HSBC Mortgage Corporation is one of North America’s main mortgage suppliers, and California is one of the bank’s leading nations. HSBC provides a number of mortgage programs, such as FHA and VA loans, conforming fixed- and adjustable-rate mortgages, and low or no down payment choices. HSBC also supplies refinancing options for borrowers, such as term Read more about To Refinance With HSBC Mortgages[…]

Guest Groups: Take Off With a Travel-Themed Room

Bon voyage! OK, so perhaps you’re not moving anywhere, but it’s always fun to pretend in a travel-themed room. For adults and kids alike, such worldly accents add an air of experience. Bonus: Together with those maps, you’ll be good at geography! — Rita from Fighting Off Frumpy Etsy Life Travel Photograph Map by Shannon Read more about Guest Groups: Take Off With a Travel-Themed Room[…]

Guest Groups: Style Your Bedroom Just Like a Boutique Hotel

From juxtaposing contemporary and vintage pieces to bringing together utilitarian and luxury components, the most recent boutique hotels are taking opportunities and stepping up their style game. The mood is heading toward luscious comfort that combines equal portions masculine and feminine style. In the Ace Hotel, which lines its walls with works of famous street Read more about Guest Groups: Style Your Bedroom Just Like a Boutique Hotel[…]

How to Unscrew a Socket From a Old Floor Lamp

As time passes, the lighting socket on an old lamp might need to be repaired or replaced. Older fiber-insulated copper wires can wear thin in the connections within the socket or the socket no longer stays intact to support a bulb. Unscrewing and carrying off the socket isn’t difficult. Everything starts with removing the lamp Read more about How to Unscrew a Socket From a Old Floor Lamp[…]