Real Estate

How Refinancing Works

by Tammy Hines in Blog.

What is refinancing? In a nutshell, refinancing is getting a new mortgage to replace the original one. The bank or mortgage lender that grants you the new mortgage pays off your old one with a new mortgage, thus the term refinancing. Borrowers who choose to refinance do so to reduce monthly payments, lower interest rates,…

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Possible Problems from Contract to Closing

by Tammy Hines in Blog.

Possible Problems from Contract to Closing The time between putting a home under contract and closing can present a variety of challenges. Being aware of these possible obstacles can help you prepare and even prevent some of these things from happening. Acts of God such as tornadoes, earthquakes, flooding, fire, etc. Appraisal is late Family…

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Understanding Different types of Mortgage Loans

by Tammy Hines in Blog.

The process of applying for a mortgage loan can be overwhelming. Whether you are a first-time home buyer or a seasoned investor, you should be familiar with the different types of mortgage loans available to determine what type of loan will best serve your needs. Homes come in many different styles and price ranges, and…

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5 Tips For Buying A Home In The Spring

by Tammy Hines in Blog.

5 Tips For Buying A Home In The Spring Spring-time is typically the busiest time of year for the real estate industry. It’s been estimated that about 40% of home sales happen between April and July. It is the time of year when conditions are just right. The weather gets nicer, life returns to nature,…

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100 Energy Saving Tips

by Tammy Hines in Blog.

100 Energy Saving Tips Green Lighting Tips: 1 – Turn off the lights you are not using. When you do use them, make sure they are the appropriate wattage. 2 – Buy compact fluorescent bulbs (CFLs), which reduce energy use up to 75 percent. Set a goal of replacing the bulbs that are most commonly…

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Base Rewards Program

by Tammy Hines in Blog.

Base Rewards – An incentive program for Active Military and Civilian Personnel Are you relocating to or from Scott Air Force Base? If you have received PCS orders, you may need to buy or sell a home as soon as possible. Military personnel have special needs that ordinary civilians typically don’t have to consider. Distance…

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Why Choose Tammy Mitchell Hines & Co. Real Estate Team?

by Tammy Hines in Blog.

Why Choose Tammy Mitchell Hines & Co. Real Estate Team? #1 We are consistently ranked the #1 Independent Real Estate Team in all of Southern Illinois. This is a BIG deal for us. Our status as the #1 INDEPENDENT team means we have built a reputation on our own, without being controlled by a franchise….

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The A – Z of Real Estate

by Tammy Hines in Blog.

The A-Z of Real Estate Real Estate terminology can seem like a language of its own. Here is a rather comprehensive list of words used in real estate and what they mean: Acceptance – The time which an offer to purchase is accepted.  The fact that it was accepted must be relayed to the person that…

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Tips for Storing Cleaning Supplies and More

by Tammy Hines in Blog.

Tips From Tammy! Do you ever find yourself getting frustrated with storage? Especially with storing your cleaning supplies? Most people shove it all under a sink and have to go on a search and rescue mission every time they need some glass cleaner. Search no more, because I have a great tip to help you keep…

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Your Fairview Heights, Illinois Real Estate Agent

by Tammy Hines in Blog.

Meet Our Incredible Team. We strive to deliver more value to you than you expect to receive and to provide uncompromising service based on truth, knowledge and professionalism. It’s difficult to be the quarterback, wide receiver, offensive tackle, and running back all at one time… And yet real estate agents who try to handle your…

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