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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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Grace Realty Group of Oxford, LLC

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Grace Realty Group of Oxford, LLC

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27 years of experience

Grace Realty Group specializes in all types of real estate. From listing and selling residential re-sale, lots/land new construction, condominiums and investment properties. We have you covered. We are renowned for our exceptional communication skills & utilize social media marketing to promote properties to the widest possible audience.

Grace Realty Group specializes in all types of real estate. From listing and selling residential re-sale, lots/land new construction, condominiums and investment properties. We have you covered. We are renowned for our exceptional communication skills & utilize social media marketing to promote properties to the widest possible audience.



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

If you’re in the market, you might think twice before buying a home with a cesspool on the property. You’ll need to factor in the costs of either maintaining the cesspool (such as with aeration, pumping, and cleaning) or dismantling the system and replacing it with a septic tank or sewage line connection. It might still be a good idea to buy that home, but you’ll need to decide for yourself if the costs and hassle are worth it.

Whether a scullery is worth it depends on how much you like to cook and entertain. If you frequently host gatherings—a scullery is likely worth the money. If you’re looking for ROI, it’s not so clear. It may not add significant value to your home, as it doesn’t increase square footage and may repurpose space that a buyer would have preferred to remain as-is (like a laundry room). 

If installing board and batten fixes an issue with the home, it could increase the value, but it isn’t commonly installed for that purpose. Board and batten is an aesthetic choice and, like most aesthetic choices, will do little to raise your home’s value. That being said, certain design elements can help attract more buyers, even if your home’s price won’t see a noticeable bump. 

It’s often a good idea to take care of any health and safety repairs before an appraisal to make sure the mortgage can move to underwriting without having to pay for another appraisal. Replace any broken glass, fix uneven or sloping floors, ensure all steps have appropriate handrails, and have a professional get rid of mold, asbestos, and lead paint. Beyond these repairs, you can update appliances or fixtures and focus on aesthetic improvements like new paint to add the most value before scheduling an appraisal.

An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.

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