What You Don’t Know About Credit Could Hurt You

Here are 5 major factors that could hurt your score: 35% of the score depends on payment history, taking into account late payments. (One late pay could cost you 75 to 100 points). It is important to pay your bills on time. 30% depends on how much debt you have. Your...

Mortgage Rates at 0%, Really.

Australia, Canada, and Europe have enjoyed 0% mortgage loans for 20 years.  This type of home loan, called Off Set Mortgage or All-In-One Loan, has finally made its way into the United States.  Essentially, it works by allowing the money in your savings or checking...

Community Gardens

Sometimes, we at Alaris like to write articles of general interest that does not directly affect buying and selling homes. We have a growing interest in building communities.  Toward that end, we wanted to tell you about the concept of community gardens. With most...