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What’s the difference between a regular title insurance policy vs. enhanced?

A Title insurance policy is very important when buying a home. If you’re looking at all the beautiful Maine real estate and considering making the state your home – or the location of your vacation home – you’ll want to make sure your interests are protected. Additionally, the lender that gives you the mortgage on your home will also want protection, in the form of a title insurance policy. All polices are not created equally, though, and you will need to decide between a regular title insurance policy and an enhanced policy, depending on your specific needs. READ MORE

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What is a home warranty? Do I really need one?

If you are considering buying a home in Maine, you should look into buying a home warranty along with it. The point of a warranty is to ensure that if important parts of your home need repairs, you won’t have to pay full price for them. Before you buy a home warranty, you should get to know how it works and whether you would benefit from it. READ MORE

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What is cap rate and why does it matter?

Capitalization rate, which is usually called the cap rate, is a term that is commonly used in the investment real estate industry. The point of it is to figure out the total worth of any properties that are bringing in income. Essentially, the cap rate tells you how long it will take to break even on this purchase. If you are considering buying any type of investment property in Maine, you should learn a bit about the cap rate and why it should matter to you. READ MORE

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How to save your home from foreclosure

Foreclosure may be the hardest thing to deal with when it comes to a home. When a bank forecloses on a home there are legal and financial consequences that must be dealt with by the homeowner. One of the biggest consequences may be the emotional ramifications of the foreclosure event. For this reason, emphasis should be placed on saving a home from foreclosure. Here are some methods and tips for coming out of a possible foreclosure victoriously. READ MORE

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Signs you might need a new roof

Whether you plan to be in your home in Maine for years to come or want to try selling it soon, you might need to replace the roof before your wish can become a reality. But if you’re like many homeowners, you don’t exactly know how to navigate your roof, let alone figure out if it needs to be replaced. Here are a few signs to look for when determining if you need a replacement. READ MORE

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Trailering 101 – Taking the boat out

As the weather warms up, your thoughts turn to taking the boat out. Whether you’re just going down the street to the boat ramp at the lake, or you’re off on an adventure that’s much further away, you’ll want to make sure you put safety first. That starts with trailering. Here are some things to check before you take the boat out: READ MORE

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The Most Important Tips for Welcoming Home Your Newly Adopted Dog

Adopting a dog can be a wonderful experience. You get a new family member to love and care for, and a previously unwanted dog gets a new, forever home where he or she can feel safe and protected. Nothing gives you unconditional love like a dog. Whether you’ve had dogs in your home before or this is your first one, you want to make sure you welcome your newly adopted dog home the right way, so everyone can get started on the right foot (or paw). Here are some great ways to make sure your dog feels comfortable. READ MORE

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Tips for Moving with Pets

Moving with a pet can be stressful for you, and for your four-legged friend. There are plenty of things you can do, though, that will make things a little bit easier for your pet. That’s true whether you’re moving down the street or across the country. If you choose a place like Maine and you’re coming from a warm climate, you’ll also have to get your pet used to the different weather. It’s often best to plan your move when the weather is mild, but you may not always have that choice. READ MORE

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FEMA Map Changes and How They Affect Maine Homeowners

Preliminary flood hazard data (preliminary data) provide the public an early look at their home or community‘s projected risk to flood hazards.

Recent changes to FEMA maps that determine federal flood insurance rates are going to have drastic effects on Maine homeowners living in flood-prone areas. In addition, Maine is home to one of the oldest housing stocks in the U.S., making the increase in insurance rates nearly “astronomical”, according to Maine’s Floodplain Management Program coordinator Sue Baker. READ MORE