What is mold and where does it come from?
Molds are microscopic fungi that are found in virtually every environment and can be detected, both indoors and outdoors, year round. Mold growth is encouraged by warm and humid conditions.

How does it get in my home?
Mold can be found anywhere indoors, but especially where humidity levels are high, such as kitchens or bathrooms. Mold can be brought in with outside air, or by pets, plants and children. Mold can also grow in an area affected by water leaks, spills or flood waters.

Second Mortgages Versus Home Refinance Programs, Which Way To Go?
Mortgage rates are still at an all time low. So why have 29% of current US homeowners held back from refinancing their homes? 2nd mortgages may be the answer.

Mortgage rates are still at an all time low. On average about 70% of all mortgage applications submitted the past six months were for home refinancing.

Statistics indicate that 29% of current homeowners in the US have not yet refinanced their homes. Part of the reason some have not applied for refinancing is the desire to hold out for lower rates. But will mortgage rates actually get lower?

ASHI Study Shows Home Buyers Believe Inspection
Lowers Risk, Leads to Better Decision Making
Jason Bird
Publicist Dialog-Chicago

DES PLAINES, Ill. - Homebuyers surveyed by the American Society of Home Inspectors (ASHI) believe the two most important benefits of a home inspection are the peace of mind provided by lowering the risk of potential problems and the ability to make a fully informed purchase decision.

The study of 600 homebuyers throughout the United States also showed that technical knowledge, high level of inspection experience and professional disclosure of findings are the top qualities homebuyers seek in a home inspector.