Author Archives: Ginny Stopa

About Ginny Stopa

My goal is to be the personal source of real estate information - to Teach Clients to be Better Homeowners. My mission is to help my customers and their referrals enjoy and profit from the investment in their home and rental real estate.

When It’s Important…Find the Facts

Most parents don’t put a lot of credence in the statements “Everyone is doing it” and “No one does that anymore.” They’ll dig a little deeper and get the facts of the situation. Interestingly, when it comes to buying a … Continue reading

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Your Real Estate Resource

Being a better homeowner is a full-time job. It takes good information to make good decisions not only when you buy and sell but all the years you own a home. Think of times when you need advice on financing, … Continue reading

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Is a Home Equity Loan an Option?

Here’s the scenario: you have a project and need to borrow some money, but you want to do it in the most economic manner. You’ve got a low rate on your existing first mortgage and don’t want to do a … Continue reading

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Home Inventory

Generally speaking, when you need an inventory of your personal belongings, it is too late to make one. Sure, you can reconstruct it but undoubtedly, you’ll forget things and that can cost you money when filing your insurance claim. Most … Continue reading

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Standard or Itemized Deductions

The Tax Cuts and Jobs Act of 2017 increased the standard deduction to $24,000 for married couples. There will be some instances that homeowners may be better off taking the standard deduction than itemizing their deductions. In the past, homeowners … Continue reading

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Eliminate FHA Mortgage Insurance

Mortgage insurance premium can add almost $200 to the payment on a $265,000 FHA mortgage. The decision to get an FHA loan may have been the lower down payment requirement or the lower credit score levels, but now that you … Continue reading

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Year End Tax Newsletter

One of the first steps in a good outcome is knowing a little bit about what you’re about to undertake. By being aware of some of the areas regarding homes that may not come up every year in a tax … Continue reading

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