Articles and Resources

Power$mart: easy tips to save money and the planet
Here are some tips on making your home more comfortable while reducing your monthly energy bill.
A few real estate & financing terms
Perhaps you have wondered what exactly "Escrow" or "P.I.T.I" means. If so, my small glosary might help you.
Property seller's tips
If you are planning on selling your house, here are a few tips that might help you. And don't forget, if you need more help, I'm here, waiting to help you.
Why use a real estate agent?
An old cautionary adage expresses it best for those who feel they can sell their homes without a real estate agent: "You can get rid of the broker, but you can't get rid of the broker's work."
Property buyer's tips
Before you start looking for a home you should ask yourself a few questions.
Moving tips
A trouble-free relocation requires planning and coordination. Here are some quick tips to guide you toward a smooth relocation.
Looking for the best mortgage?
Shopping around for a home loan or mortgage will help you to get the best financing deal.
High-cost "predatory" home loans: how to avoid the traps
A few unscrupulous lenders are tricking cash-strapped, unknowing borrowers into expensive home equity loans and mortgages. The big risk: If you can't repay the loan you could lose your home. Here is useful information for anyone thinking about a home loan.
Twelve ways to lower your homeowners insurance costs
The price you pay for your homeowners insurance can vary by hundreds of dollars depending on a number of factors, including the company you buy your policy from.
Keeping family/household records
When was the last time you couldn't find an important paper you knew you had carefully put away someplace? How much time do you spend trying to straighten out your household business affairs, especially at income tax time?
Homeowner's glossary of building terms
Taking on a home improvement project can open a whole new world of terms you may not know. Here's a quick reference to help you keep up with the language of the trade.
Home improvement
Helpful advice on when home improvements pay off, how to select different home improvement specialist, and comparing financing options.
Need a loan? Think twice about using your home as collateral
If you need money to pay bills or make home improvements, and think refinancing, a second mortgage, or a home equity loan is the answer - consider your options carefully.
Merrill and Associates Real Estate
2004 Dallons Drive
Paso Robles, CA 93446
Realtor MLS Equal housing
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