| The Historic Homeowner -- State and Local Preservation Laws |
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| The issue of historic preservation is governed by a myriad of federal, state, and local laws. Generally speaking, the purpose of preservation laws is to encourage the recognition of historic resources, as well as the preservation of those resources. Without question, historic preservation is a legitimate governmental objective. On the state and local levels, historic preservation controls may be enacted subject to the applicable constitutional constraints. More... |
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| Private Mortgage Insurance |
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| If you purchase a home and make a down payment of less than 20% of the purchase price, you may be required to purchase private mortgage insurance (PMI). In essence, PMI is a fee which provides compensation to the lender in the event the borrower defaults on the mortgage. More... |
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| Percolation Tests |
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| A percolation test, or "perc test," is performed on undeveloped land in order to determine whether the land is absorbent enough to support the installation of a septic system. Typically, the test is performed by a hydraulic engineer. More... |
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| Mold in the Home - Overview |
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| Molds may cause a wide range of health problems. If a person is sensitive, he or she may experience some type of allergic reaction if mold is touched or inhaled. More... |
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| Carbon-Monoxide Poisoning |
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| Every year, numerous people suffer ill health effects as the result of carbon-monoxide poisoning. More... |
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