The Golden Handcuffs of a Low Mortgage Rate:
Tanja Cisliek Tanja Cisliek

The Golden Handcuffs of a Low Mortgage Rate:

A low mortgage rate can feel like golden handcuffs, especially when today’s rates are considerably higher. But before deciding that moving no longer makes financial sense, look at the whole equation. Your equity, the amount you would need to finance, your next monthly payment, and changes in taxes, insurance, maintenance and other living expenses may tell a very different story.

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“Subject To” Real Estate Deals: What Every Seller Needs to Know
Tanja Cisliek Tanja Cisliek

“Subject To” Real Estate Deals: What Every Seller Needs to Know

Most discussions about subject to real estate transactions focus on the buyer. This article takes the seller's perspective, explaining why transferring ownership doesn't always transfer financial responsibility and what every homeowner should understand before signing a subject to agreement.

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Where Does All That Rainwater Go? Why Gutters Matter in Florida
Tanja Cisliek Tanja Cisliek

Where Does All That Rainwater Go? Why Gutters Matter in Florida

One inch of rain on a home with a 2,000-square-foot roof footprint can mean nearly 1,250 gallons of water coming off that roof. During a heavy rainstorm at one of my Largo listings, a funny moment at a downspout turned into a useful reminder about how much water our Tampa Bay homes have to manage. Keeping gutters clear matters, but that’s only half the job. Where the water goes once it reaches the ground matters, too.

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