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CreditGuard of America

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CreditGuard of America

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12 years of experience

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.



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Richardson Realty & Appraisal LLC

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Richardson Realty & Appraisal LLC

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19 years of experience

I am a full time realtor and appraiser that provides service to many areas in South and Central Mississippi. I am a member of several different realtor associations so I have access to many MLS systems that I can put to use for you. I first became a real estate agent in 2002 and an appraiser in 2006.

I am a full time realtor and appraiser that provides service to many areas in South and Central Mississippi. I am a member of several different realtor associations so I have access to many MLS systems that I can put to use for you. I first became a real estate agent in 2002 and an appraiser in 2006.



Real Estate Agent, United Country

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Real Estate Agent, United Country

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22 years of experience

Thank you for your interest in my services! I am a licensed Real Estate Agent with United Country/Mississippi Land and Lakes. I can work with buyers and sellers and offer Property Management and Field Services.

Thank you for your interest in my services! I am a licensed Real Estate Agent with United Country/Mississippi Land and Lakes. I can work with buyers and sellers and offer Property Management and Field Services.


Superior Tub Refinishing

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Superior Tub Refinishing

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20 years of experience

We are offering a new and cheaper way to improve the look of your bathroom. We can take your old tub and make it as good as new. New tubs can cost as much or more than $3000 after installation. Why tear your bathroom to pieces when you don’t have to? We can refinish your entire tub for as little as $200. If you have a hole that renders your tub unusable, give us a Call! No need in getting a new bathtub! We can patch holes and scratches to make them look as if it never happened.

We are offering a new and cheaper way to improve the look of your bathroom. We can take your old tub and make it as good as new. New tubs can cost as much or more than $3000 after installation. Why tear your bathroom to pieces when you don’t have to? We can refinish your entire tub for as little as $200. If you have a hole that renders your tub unusable, give us a Call! No need in getting a new bathtub! We can patch holes and scratches to make them look as if it never happened.

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Real Estate Agents questions, answered by experts

A kitchen remodel can increase home value significantly, with a return on investment (ROI) ranging from 50% to 80%. A well-executed kitchen remodel that enhances functionality, aesthetics, and energy efficiency attracts more buyers and commands a higher selling price. Smaller remodels can have a higher ROI, since less cost is invested than what would go into major or complete remodels while still offering valuable enhancements.

Termite damage isn’t always a deal breaker when buying a house, but don’t dismiss it. If that’s the case, you should hire a professional termite inspection to understand the extent of the damage, type of termite, state of repairs, and whether the infestation is gone.

If the termites are gone and the current owners repaired the damage, you might want to proceed. You may even be able to use the damage as a bargaining point. However, don’t forget that home insurance policies often don’t cover termite treatment or repairs and active infestations are tricky to shift.

Estate shutters are considered a high-end window treatment that increases home value. As previously mentioned, this project comes with an ROI of up to 75%. Shutters can also improve your home’s energy efficiency, especially if you choose PVC or faux wood shutters, which will lead to long-term savings on your energy bills.

While there’s technically no limit to the dollar amount you can borrow for a home addition, the standard limit is around 80% of the value the addition is expected to add to your home. That means you could feasibly borrow up to $80,000 if an appraiser determines that the addition or bump out will add $100,000 in value to your property. You might also be limited by your debt-to-income ratio or credit score.

While it's smart to save up about 25 percent of the price of a home—to cover the down payment and closing costs—many loans require between less than 3% down to qualify. In either case, you'll need between 3 and 6 percent for the closing and moving costs as well as a strong financial history for mortgage approval.

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