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You care about your home. The NATIONAL ASSOCIATION OF REALTORS® cares about homeownership. To help you become the best, most responsible homeowner you aspire to be, we want to provide you with free information and tools you can use to make smart and timely decisions about your home.

From time to time, we may reach out to you to help us support legislation and/or policies that may have an impact on you, the homeowner. You can choose to join our cause. Or you can choose not to. Regardless, your privacy is safe with us.

We'll never share or sell your email address or other personal information you may provide us in the course of using the site with anyone without your explicit consent.

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Author Profiles

Dona DeZube

Dona DeZube has been writing about real estate for more than two decades. She lives in a suburban Baltimore Midcentury modest home on a 3-acre lot shared with possums, raccoons, foxes, a herd of deer, and her blue-tick hound.

BY THIS AUTHOR

Newest Multigenerational Homes Give Families Privacy and Togetherness

Homebuilders offer new ideas for additions that make room for more family members. Read More

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TV, computer monitor and other items available to new homes

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Let’s Make Every Day ‘Give Your Stuff Away Day’

We have five ways to help your junk — er, nice stuff — find a new home. Read More

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Underwater with Two Mortgages? Here are 5 Ways to Refinance

Having a second mortgage or home equity line can make refinancing an underwater mortgage nearly impossible, but one of these five strategies might bail out your refinance. Read More

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Why Home Equity Beats Facebook Equity

As Facebook’s IPO nears, it’s easy to get caught up in the notion of getting rich quick. But there’s no surer way to wealth than home ownership. Read More

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6 Ways to Reduce Your Air Pollution Footprint

How much are you polluting the air? Here are 6 easy ways to cut the pollution your life produces and improve air quality. Read More

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6 Curb Appeal Ideas to Make You the Star of the Neighborhood

A few hours of exterior home and yard work can add thousands to your home’s value. Read More

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Have You Seen Your Refi and Mortgage Options Lately?

Three good reasons to warm up to a refinance this spring. Read More

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Do You Qualify to Refinance with the HARP Program?

Worried you might not be able to refinance your home mortgage? The federal HARP program helps those with financial stress. Here’s what you need to know. Read More

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Need to Modify Your Home for Medical Reasons? 2012 is the Year to Do It

With tax deduction limits coming for 2013, medically related home upgrades are a smart project this year. Read More

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How to Get Rid of Ticks

Here are two ways to get rid of ticks in your yard before they make you sick. Read More

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Winged Ants or Termites? How to Tell Them Apart

It’s spring, which means winged ants and termites are searching for new homes. Here’s how to tell them apart and keep them away from your house. Read More

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Can I Refinance and Get Rid of My ARM?

Stuck in an ARM and wish you could refinance into a fixed-rate mortgage? Here are 4 circumstances that could derail your hopes, and how to get back on track. Read More

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It’s Gonna Cost You More to Recharge Your Air Conditioning

The cost to recharge your air conditioning is going up, up, up. Here’s why: Read More

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Federal Housing Agency Says No to Private Transfer Fees

The Federal Housing Finance Agency tells Fannie Mae and Freddie Mac to avoid loans on properties carrying a private transfer fee. Read More

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The Rehabbers’ Guide to 203(k) Loans

Tight-fisted lenders have made home equity loans harder to come by. So what’s a fixer-upper to do? Meet the 203(k) loan. Read More

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Scammers Already Have Bulls-Eye on $25B Foreclosure Settlement

Warning: Scammers are on the prowl, claiming to have your share of the foreclosure settlement — for a fee, of course. Read More

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9 Questions to Ask Before You Agree to a Mortgage Modification

When you’re struggling to pay your mortgage, any offer to modify your loan seems like a lifeline. Before you grab hold, make sure it’s in your best interest. Read More

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5 Kitchen and Bath Remodeling Trends That Will Last

When you’re spending thousands to remodel a kitchen or bath, you want those updates to last a while. Read More

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8 Tips for Cleaning Up a Broken CFL Bulb

You dropped and broke a CFL bulb. No need to call a Haz Mat team — just keep a cool head and follow these 8 tips. Read More

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Good News: Home Owners Won’t Be Stuck with Tab for Payroll Tax Cut

Congress reconsiders the idea of billing home owners for payroll tax cut. Read More

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Banks Tempt Underwater Home Owners with Cash — Would You Take It?

A short sale might be worth more than avoiding a foreclosure on your credit report. For some, it means cold hard cash. Read More

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Obama Budget Plan Curbs Mortgage Interest Deduction for Some

Housing group opposes limit the mortgage interest deduction sought by Obama in his budget proposal. Read More

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Federal Reserve Chairman Says Mortgage Credit Too Tight

Federal Reserve Chairman Ben Bernanke says lenders make it too hard for consumers to get mortgages. Read More

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IRS Tool Calculates What You Owe on First-Time Home Buyer Tax Credit

A new online tool helps home owners who used the 2008 first-time home buyer tax credit calculate how much they now have to pay back. Read More

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2 Tax Deductions You Won’t Get Next Year

Tax benefits for home owners disappeared at the end of 2011 and no one knows whether Congress will bring them back. How annoying! Read More

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Super (Toilet) Bowl Championship: Clog Busters Vie for Title

Welcome to HouseLogic’s Super (Toilet) Bowl Challenge, where we pit traditional clog-busting tools against today’s upstart gadgets. Read More

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Payroll Tax Extension Could be Funded by Fees on Home Mortgages

Congress may raise the cost of home financing with higher fees for Fannie Mae and Freddie Mac mortgage guarantees to pay for extension of payroll tax deduction. Read More

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President: Responsible Home Owners Deserve Lower Mortgage Rates

Home owners who’ve made their payments on time should be able to get lower mortgage interest rates, president says in State of the Union address. Read More

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The Best Home Security Money Can Buy … But Who Really Needs a Helipad?

If you’ve got a few million dollars, you can buy the world’s safest home. But for the rest of us, these 7 home security tips help us sleep at night. Read More

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Seattle Weather Teaches Us That Snowpocalypse is Just a State of Mind

Smart tips for handling snow regardless of whether a snowpocalypse to you is a few inches or several feet. Read More

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Tax Rules Encourage Short Sales Sooner, Rather than Later

Tax rules that let you escape paying federal income tax after a short sale expire this year. Read More

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Perilous to Tinker with Home Ownership Programs, Voter Survey Finds

A survey uncovers the one thing we can all agree on no matter our political persuasion — home ownership. Read More

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Fed Says Helping Housing Market Will Help Economy

The Federal Reserve Board says help for housing market will aid in an economic recovery. Read More

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Down Payment Gift a Leg Up to Home Ownership, But Know Tax Rules

We explain the tax details around giving the gift of a home down payment. Read More

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Congress Funds Payroll Tax Cuts With New Mortgage Fees

Congress raises the cost of home financing with higher fees for Fannie Mae and Freddie Mac mortgage guarantees. Read More

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FHA Condo Approval Changes Compound Housing Woes, Limit Condo Options

If you own a condo, or hope to buy one someday, changes in FHA’s mortgage program could end up costing you — and further crimp the housing market. Read More

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Home Tax Deductions for 2011

From the mortgage interest deduction to energy tax credits, here are the tax tips you need to get jump on your 2011 returns. Read More

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Christmas is for Giving: 6 Ideas to Help Your Community

It’s better to give than to receive, so take a look at these ideas for giving back this holiday season. Read More

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Occupy Movement Turns Focus to Housing

Housing issues to take center stage Dec. 6 at various Occupy events around the country. Will policymakers listen? Read More

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Love Your House, but Hate its Location? Move It

If your house is perfect for you but your neighborhood isn’t, you can have the whole home moved to a new place — but it’ll cost you. Read More

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Home Sellers and Buyers in Short Sale Deals No Longer on Hook for Unknown Fraud

Home buyers and sellers doing short sales will no longer be on the hook for fraud they don’t know about or participate in. Read More

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Crowdfunding: Social Media Muscle Gives Your Community Project a Lift

If you’re big on ideas for your community but short on funding, consider setting up a crowdfunding website. Read More

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Congress Restores FHA Loan Limits

Congress returns FHA’s affordable-mortgage program to high-cost areas of the country. Read More

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Tips to Save Your Storm-Damaged Trees

Don’t assume your storm-damaged tree needs to be cut down. Trees can easily bounce back if you follow these tips for pruning and storm protection. Read More

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Do You Know Where the Batteries for Your Smoke Detectors Are?

Your smoke detector is of no use to you if the batteries aren’t in. Are your smoke detectors in working order? Read More

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Turned Down for a Refinance? Don’t Take No for an Answer

When a lender says you don’t qualify for a mortgage refinance, you may be able to fix what’s wrong or find another lender willing to step up. Read More

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Home Owners Insurance Protects You from Halloween Horrors

When zombies, Snookies, and Lady Gagas storm your front door this weekend, don’t fear! Your home owners insurance will protect you from Halloween mishaps. Read More

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Reverse Mortgage Loans: Pros and Cons

Reverse mortgages come with lots of payment options. Find the right one for you. Read More

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Rooftop Expansion: Anyone Up for a Game of Bocce?

Need some space for outdoor activities? Look up. Condo roofs are not just for gardening anymore. Read More

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Little Time or Money to Get Creative This Halloween? Try a Costume Swap

Halloween costume swaps turn last year’s cowboys into this year’s ninjas at no cost. Read More

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Why Renters are the Next Mortgage Crisis

If you’ve been wondering if you should be renting rather than owning, consider this expert’s view. Read More

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NAR to Congress: Make Sure Home Owners Can Still Get Fixed-Rate Mortgages

NAR asks a House panel to make sure home owners have access to fixed-rate mortgages. Read More

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Housing Groups to Senate: Don’t Tinker with Mortgage Interest Deduction

Senate panel warned that changing the mortgage interest deduction would hurt home owners. Read More

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5 Ways Your House Can Kill You — And How to Prevent It

What do your furnace, your windows, and your gas grill have in common? They’re all conspiring to do you harm if you’re not careful. Here’s how to protect yourself and your family from easily preventable accidents. Read More

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We Need to Quit Dancing Around the Housing Crisis

Instead of a marginal approach, it’s time to address housing market issues head on. Read More

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Experts: Congress Hurting, More than Helping, Home Owners

Congress needs to step up to the plate on home owner issues if the housing market is going to turn around, say experts who attended the New Solutions for America’s Housing Crisis yesterday in Washington, D.C. Read More

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9 Ways to Solve the Housing Crisis

A group of lawmakers and industry experts from both sides of the aisle got together in Washington, D.C., yesterday — brought together by think tanks Progressive Policy Institute and e21 — and came up with some pretty interesting ideas for solving the housing market’s woes. Read More

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Leave Your Home Vacant? You Could Lose Insurance Coverage

Do the geese flying south have you thinking of closing up your house and spending the winter in a warmer climate? Before you pack your swimsuit and sandals, take note: If you leave your house empty for too long, you could lose your home owners insurance — and your home equity if a fire or other disaster destroys or damages your house. Read More

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Buyers, Small Investors Get No Respect and No Mortgage Money

There are some really sweet real estate deals here in Maryland right now and I’d love to take advantage of them, but I can’t. Not because my credit score isn’t good, not because I don’t have a down payment, but because credit is so tight right now that sometimes good credit and a nice down payment just aren’t enough. Read More

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Obama Proposes Mortgage Refinance Program

President Obama last night proposed a mortgage refinance program to help millions of American home owners take advantage of historically low interest rates. Read More

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12 Markets Where Real Estate is on the Rebound

Looking for a little good news about the housing industry? We found a bright spot, courtesy of The National Association of Home Builders. Actually, a dozen bright spots. Read More

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If Irene Wrecked Your Home or Job, You Might Get Mortgage Forbearance

If Hurricane Irene seriously damaged your house or you’re not getting a paycheck because the storm is preventing you from working, you may be able to catch a payment break on your mortgage. Most banks will listen to your story and decide on a case-by-case basis whether to grant “forbearance,” which is lender-speak for not having to make mortgage payments. Read More

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Lessons from Historic Hurricanes

Although hurricanes will always be a reminder that nature is more powerful than man, improvements in storm forecasting and emergency alert technology let home owners better prepare for the worst. Here’s a look back at the U.S.’s most devastating hurricanes and tips for home owners in the path of one. View slideshow

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Identity Thefts Increase After Disasters; How to Protect Yourself

It’s bad when a natural disaster damages your home, but identify theft can make it even worse. Learn how to protect yourself. Read More

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Architects Design Barbie’s Malibu Dream Home

Barbie is working as an architect these days (it’s her 126th career), and living in a beach-front home in Malibu, Calif. At least that’s what two architects dreamed up to win the AIA Barbie Dream House competition. Read More

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New ‘Most Efficient’ Label Adds Tier to Energy Star Ratings

For me, buying appliances is a balancing act — I want to buy reasonably efficient appliances, but I still need to balance my checkbook at the end of the month. Read More

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Razing Lost-Cause Homes to Stabilize Property Values

I much prefer remodeling to tearing down housing, but sometimes, a bad house is like a cancer that needs to be removed to save the neighborhood and stabilize home values. Read More

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5 Hurricane Myths — Do They Fool You?

It’s time to dispel some common myths so that your hurricane preparations are fully informed. How many of these five myths from Traveler’s Insurance do you believe? Read More

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Apps at the Ready for Hurricane Irene

Need help preparing for Hurricane Irene and potentially cleaning up after her? There’s an app for that.  Read More

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Hurricane Irene Good Reminder to Consider Flood Insurance

Although wind speeds are the talk swirling around Hurricane Irene, you need to worry just as much about the potential for storm surge, which your home owners policy isn’t going to cover. Hurricane Ike in 2008 created a storm surge of nearly 10 feet, overtopping Galveston’s sea wall, and Hurricane Ivan in 2004 caused billions in flood damage from Florida to New York. Read More

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Burning Bush’s Wild Tendencies Tamed

Nothing wrecks curb appeal like a bush gone wild. Read More

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Now’s the Time to Batten Down Windows for Hurricane Irene

The first hurricane of the season, Irene, passed over Puerto Rico Monday and could hit the U.S. anywhere from the Keys to the Carolinas later this week. Read More

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Tips for Shopping for Salvaged Building Materials

Buying your sinks, mantels, windows, and other remodeling materials from a salvage yard or one of Habitat for Humanity’s ReStores pays double environmental dividends. Read More

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Granny Flat or In-Law Suite? Which is More Prudent?

If you need to house aging parents or adult children, or if your family is multi-generational, what’s better — an in-law suite or a little granny cottage in the back yard? Read More

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Child-Proof Doors & Windows to Keep Toddlers, Elderly from Wandering

If you have a toddler who thinks midnight is a great time to hit the playground without you, or a dad with Alzheimer’s who gets lost a block from home, you need to know when someone heads out the door (or a window) of your home. Read More

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Do ARM Rates Tempt You?

Would you refinance to get an interest rate below 3%? What if that rate would only last for five years? Read More

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Should You Go Forward With a Reverse Mortgage?

Big lenders in the reverse mortgage business — Wells Fargo this month and Bank of America earlier this year — have pulled out of the market and won’t issue any new reverse mortgages. But MetLife and several smaller companies plan to stay in the market, so you won’t have issues finding a reverse mortgage if you want one. Read More

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Fourth of July Parades: Tips to Organize Your Own Neighborhood Parade

There’s nothing quite like a Fourth of July parade, with fire engines, marching bands, and kids riding bikes decorated with red, white, and blue streamers. But you don’t have to go to the big city to find a classic July 4th celebration. With just a bit of planning, you can organize your own neighborhood parade that will bring out the smiles and American flags. Read More

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New Program to Help Home Owners Has Great Benefits, But Tough Rules

If you’re having trouble making your mortgage payment, there are a billion reasons to check out the latest federal government mortgage assistance program. The U.S. Department of Housing and Urban Development’s Emergency Homeowners Loan Program, now running in 27 states and Puerto Rico, will dole out $1 billion in interest-free loans to about 30,000 home owners who are unemployed, under-employed, or suffering financially due to a medical crisis. Read More

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Online Tool Helps You Discretely Explore Options to Foreclosure

When financial trouble makes it hard to pay your mortgage, it’s hard to talk to a stranger at the bank about your problems. Taking a quick online quiz to see what loan workout programs can help you stop foreclosure is a less painful and simpler way to dip your toe into the loan modification pool. Read More

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Know Before You Owe: Government Wants Your Opinion on New Mortgage Disclosure Forms

When was the last time the federal government asked your opinion on anything? Hold on to your citizenship hat. The feds are taking a cue from “American Idol” and asking for your input on something—by May 27. Read More

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Cicadas, You, and Your Trees

Squeamish about bugs? Better start packing, because you’ll want to be out of town between now and July if you live in a swath of Southern states where Brood 19 is emerging to get busy with each other. Read More

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Fannie Mae and Freddie Mac: A Look at Mortgage Lending Without Them

Some legislators say we don’t need mortgage giants Fannie Mae and Freddie Mac. What would happen if lawmakers got their way? Read More

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7 Flood Insurance Myths

Much of what you know about federal flood insurance may be flood insurance myth. Read More

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7 Mortgage Interest Deduction Myths

Think losing the mortgage interest deduction would be no big deal? We bust seven myths to show why the cost is bigger than you think. Read More

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Mortgage Interest Deduction Vital to Housing Market

The home mortgage interest deduction saves the average home owner thousands of dollars at tax time, supports home values at the community level, and helps American home buyers get into their first house. Read More

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REALTOR® Groups Fight Foreclosure Crisis

Local real estate professionals have launched innovative solutions to the foreclosure crisis—many funded by the NATIONAL ASSOCIATION OF REALTORS®—in cities around the country. Read More

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Q&A: Solve Your Toughest HOA Challenges

HouseLogic talks with HOA management expert Thomas M. Skiba about smart ways to tackle today’s homeowner association challenges. Read More

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It Pays to Support Responsible Homeownership

Helping others become homeowners protects your home’s value and builds stronger communities. Read More

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