Your annual property tax is based on your taxable value. First, figure out the market value of your home. Zillow.com and trulia.com are great resources, or you can contact me and I can send you info on recently sold properties in your neighborhood. Take the approximate market value and divide that by half. If this number is less than your taxable value, you may be paying too much for property taxes! The people who may benefit the most from a tax appeal are people who bought their homes at the peak of the market, between 2000 and 2005.  For the exact appeal process, check your local city or township website.

See a step-by-step guide on how to appeal your property taxes at https://www.houselogic.com/finances-taxes/taxes/property-tax-appeal/

 Fixed Rate- A loan with a fixed rate simply means the interest rate does not change over the life of the loan.  Most people prefer this loan type because the payment amount will not change much, making this loan the most predictable.

Adjustable Rate Mortgage (ARM)-  This type of loan usually start with a really low rate.  After a certain amount of time, the interest rates can change with market conditions.  This type of loan may be an advantage to someone who will not live at a property for more than a couple years.  However, the unpredictability of this loan is a big downside.

DECLUTTER-  In order to show off the square footage of a home, there cannot be too much stuff inside of it.  An overcrowded home feels smaller, and also points out the fact that there is not enough storage space.  As a general rule, a home seller would want to prepack about one third of all their belongings.

CLEAN, CLEAN, CLEAN-  In order to make a great first impression, a house needs to look its best.  Potential buyers are attracted to homes that feel clean and fresh.  If it is dirty and not well kept, buyers start to wonder what else may be wrong with a property.