What is Fair Housing in Tulsa, OK. ? Fair housing protects your rights from being denied housing due to being in a protected class (race, religion, age, etc). The community needs to educate themselves and their rights when it comes to fair housing. Many times things are subtle, but are still a violation of fair housing rules. For example, if you need a wider door due to being in a wheelchair, your landlord can't refuse to allow you to pay to widen the door, but you do have to put it back when you move out. For more information about Tulsa, OK and Federal Fair Housing Laws, call 918-584-0001 or visit Metropolitan Tulsa Urban League, HUD, or Human Rights Commission with the City of Tulsa. We are having a workshop on April 21st from 9am -2pm at the Tulsa Housing Authority Conference Center. Mortgage Fraud and Predatory Lending in Tulsa, OK- Stay ProtectedPredatory lending involves when a lender and not the owner/buyer benefits from the transaction. For example- steering and coercing targets would be the elderly, minority, and low income homeowners. Up to 50% of sub-prime loans (second chance- a loan to someone who may have had problems making payments and involves extra fees and costs) could have been more conventional type of loans. As a business person/realtor we need to discuss with them what the mortgage officer has told them. Sometimes, we can find that the loan officer told them lies and took advantage of them. You can even get taken advantage of while getting money back with your mortgage loan. Generally, fees for mortgage, are less than 1% of the total mortgage amount. Sub-prime mortgages can be above 5%. A conventional loan is not a sub-prime loan but it is also not an FHA (backed by the government). Don't let someone rush you or get you into a loan without all the information. Use a good lender that has a good reputation. Also watch for loan flipping. There can be many things hidden in paperwork such as a balloon mortgage that you are unaware. There are many situations where predatory lending is involved, if you think you have been a victim of predatory lending or mortgage fraud in OK. contact Richardson, Richardson, Boudreaux, Keesling at 918-492-7674 or www.rrblawok.com.
Earthquakes and Insurance in Tulsa, OK. When an earthquake happens, insurance companies will often prevent you from adding insurance to your policy to take care of aftershocks. In cases such as this and in floods, will often be for a length of about 30 days. Earthquakes are not covered in a standard policy. You need to add coverage for this situation. Think about this type of insurance now. For all your Tulsa, OK. insurance needs, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.
Exterminate Termites in Your Tulsa, OK Homes- In Tulsa, OK area, we have a 100% chance of having termites in and around your home. Termites are everywhere. Sentricon is a great system with a new bait available, HD. Many other companies are not using this new HD bait due to the added cost. This new bait is put in from the start and helps avoid missing baiting stations. Most homes can have Sentricon installed for only $949. There are only 7 companies in the Tulsa, OK area that offer Sentricon. Remember also that termites are not covered in your insurance policy. To have Sentricon HD Baiting System installed in your Tulsa, OK. home, contact Montgomery Exterminating at 918-438-4885 or www.montgomeryexterminating.com.
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