All posts by Thierry Roche

Show Them You’re Serious

We have reached the busiest months for selling a home this year. But when there is a short supply of inventory and competition is high, you must show the seller that you are a serious buyer. With the help of a Realtor ®, make your offer look as good as possible the first time because […]


Buy Again, It’s Time

If you experienced the distressed sale of a home but now you have your credit and finances back in order, you  may still be asking the question “How long do I have to wait to qualify for another mortgage.” Based on when you experienced your distressed sale, the length of time will differ. Each different […]


A Home Warranty Can Save Money

We are past April 15th, tax filing day. You already know what your expenses were for last year. Unfortunately, the money spent on home repairs is not deductible. But if you are aware of how much you spent, it could help you make decisions that will save you money this year. Buyers are often provided […]


Inventory Your Home

When you need an inventory of your personal belongings in your home it is usually too late. You can try and create one from memory, but you will forget something important and it will cost you money on an insurance claim. Your homeowner’s policy might give you a blanket amount of coverage for personal items […]


Standard or Itemized Deductions

In 2017, the Tax Cuts and Jobs Act increased the standard deduction for married couples to $24,000. In some instances, homeowners may be better off using the standard deduction than itemizing on their return. Previously, homeowners could get a better benefit with itemizing but there is now a $10,000 limit of state and local taxes […]



Year End Tax Newsletter

Creating a good outcome requires a little knowledge about what you are about to do. To be aware that there are tax laws about homes that you might not know about and may come up in your tax return. But if you are informed, you can point these out to your tax preparer or seek […]



You Can Be Mortgage Free

We often assume that as we age we will have house payments and car payments for the rest of our lives. But if you plan now and stick with it you too can be mortgage free. Retire planning should begin when you start your first job. However, most of us procrastinate on this vitality important […]


Distressed Sale Waiting Period

A question I often get from people who have filed bankruptcy, had a short sale or foreclosure is, “How long do we have to wait to qualify for another mortgage.” What kind of new loan you can get will differ according to how long it has taken to heal your credit score. The chart I […]