Scams targeting homeowners are getting more advanced. Stay safe by learning the red flags—like urgent messages, fake links, or requests for payment via gift cards or apps. Common scams include fake toll texts, voice cloning, mortgage relief offers, and tech support pop-ups. Always verify directly and never act on pressure alone.
Spring is the perfect time to check in on your home. Our easy checklist covers appliance care, filter changes, outdoor maintenance, and safety tips—with helpful how-to videos. Plus, learn how your Capital Reserve Account (if you have one) can help cover unexpected home repairs.
Tax season is here! Our latest guide gives information on how to file your taxes efficiently and affordably. We've compiled available resources and programs in your state aimed at reducing the financial burden and complexity of tax filing. Read the guide to discover free or low-cost tax preparation services available in your area.
Credit scores weigh heavily on a homeowner's ability to borrow money. This actionable guide provides a month-by-month strategy to improve your credit score steadily over time.
Effective money management starts with budgeting to prioritize essential expenses and allocate savings. Automate transfers to build an emergency fund, aiming for 3-6 months of living expenses. Reduce unnecessary costs, set clear savings goals, and consider splitting paychecks for consistent growth. These steps help build financial stability and prepare for unexpected events.
Homeowners are facing increased property taxes and insurance premiums, raising monthly housing costs. Property taxes are up due to rising real estate values and local reassessments, while insurance premiums have surged due to inflation and natural disasters. These changes impact escrow accounts, leading to higher monthly payments. Staying informed and proactive can help manage these rising costs.
NOAA predicts a hotter-than-normal summer. Keep your home cool affordably by using fans, blocking out the sun, optimizing windows, cooking outside or using the microwave, and switching to LED bulbs. Change air filters regularly. During power outages, stay hydrated, take cool showers, wear lightweight clothing, use battery-operated fans, and find cooler public places. Learn more tips for staying cool and safe during heat waves.
In 2023, U.S. bankruptcies spiked by 16% to 434,064, underscoring growing economic distress. For homeowners facing foreclosure, Chapter 13 offers hope, enabling debt reorganization and home retention, unlike Chapter 7. This rise, notably in low-income areas, emphasizes the critical role of legal guidance in navigating bankruptcy to safeguard homes.
Gary Plummer joined HomeFree-USA in 2012 to combat the Black homeownership crisis. Specializing in strategic partnerships and counseling, the nonprofit targets the racial homeownership gap, highlighted by minimal progress since 1968. Their work in education and financial literacy empowers sustainable homeownership and generational wealth in marginalized communities.
As temperatures begin to dip, make sure your home is ready for winter so that you can keep the cold out and your heating bill down. Check out these 10 tips to winterizing your home on a budget.
