About Boone County, MO

Corrosion of metal parts and pieces is generally bad...unless your nick-name is "Rusty". When these metal pieces are components of an electrical system...It's time to get "Hot After It"!

In the magical world of electrical systems...corrosion equals resistance, and resistance equals heat generation by arcing and sparking. Corrosion can occur at electrical terminals, such as found in main service panels at the breaker lugs, or at receptacle (outlet) locations where the wiring is connected the fixture. Corrosion can result from the improper tightening of the lugs or screws fastening the conductive wire system to the fixture or breaker. If the lug is not tightening properly, then the arcing and sparking of the current across the gap (no matter how small) will generate heat and cause the loss of electrons from the surface of the metal parts. This loss of electrons from the metal surface is "corrosion" and causes a "crusty" surface to appear. The corrosion also causes a resistance to the proper flow of electricity through the electrical system, which causes increasing arcing, sparking, heat production and more corrosion. If the environment in which the electrical system is in has a high humidity level, like those found in vacant houses or with wet / damp basements, then the rate of corrosion is increased.

To reduce the risk of corrosion occurring along the electrical components, a qualified licensed electrician will properly tighten all connections and may also use an electrically conductive / anti-corrosion paste or jell at the connections. When corrosion is observed with existing copper wire systems, then contacting an electrician is an important first step in correcting or replacing the damaged parts. If corrosion is observed with existing aluminum wire systems, then the recommendation to contact an electrician is even more urgent!! Aluminum wire, when acted upon by corrosion and the increased heating of the wire in this location, will expand in dimension when heated, causing extreme pressure on the connection and then return to its normal dimension when the current is off. When the current is re-energized, the connection gap is likely to be somewhat larger, causing a larger arc or spark and more heat generated!!

Having a professional home inspector evaluate an electrical system for its current condition is recommended for protecting life, health and property. A little corrosion can go a long way to causing big problems!!

Happy Trails!!

We have previously blogged about our commitment to our clients and our goal to not only provide them with the best loan product possible, but also educating them on their entire real estate transaction in efforts to provide a well rounded product to all. In addition to this we try to keep our realtors informed of new loan products, changes in loan products, and continuing education on existing products. In 2012, Reza Abadi's office with USA Mortgage is making a commitment to take this education one step further. We have begun sending a monthly newsletter to all realtors in our area which will give us an avenue of constant contact allowing us to keep, not only realtors, but their clients constantly informed. Additionally, we will be providing brochures and packets to our realtors which will allow them to give pertinent literature to their clients before they enter into the loan process.

As always, contact us anytime with all of your general mortgage inquiries.

Calling all military personel, did you know that you can purchase a home with a VA Home Loan and receive 100% financing?  If you are a veteran, active duty personnel, Reservist/National Gaurd member, or a surving spouse, you may qualify for a VA Home Loan.   If you are uncertain whether or not you qualify just give us a quick call and we can help you determine eligibility. 

Here at Reza Abadi's office with USA Mortgage we pride ourselves in fully educating our clients and helping through the mortgage process using a step by step system.  Please contact us today with any questions in regards to VA Home Loans or any other general mortgage inquiry.

You may have heard that home loan rates have improved and are back down to near historic levels. In fact, I've been slammed with emails and phone calls from people just like you who wanted to take advantage of this wonderful situation.

But you need to keep the following in mind...

While some people say good things come to those who wait, others say to strike while the iron is hot. In this case, the "iron is hot" with rates at exceptionally low levels. And while weak economic reports here in the U.S. and the economic crisis in Europe are two of the main reasons rates have improved recently, signs of inflation are beginning to creep into our economy–and that never bodes well for home loan rates. That's why it's more important than ever to act now.

It will only take a minute–give me a quick call so we can look at your situation. It doesn't cost anything to check it out, and the choice of moving forward will be up to you. Don't miss this window of opportunity to save significantly on your monthly budget.

Contact myself and USA Mortgage today to discuss home loan rates or any general mortgage inquiries.

Great news from FHA, regarding Lending Limits, for just about every county across the country! With the passing of H.R. 2112 (The Consolidated and Further Continuing Appropriations Act of 2012), FHA has confirmed its commitment to keeping FHA loan limits as high as possible to stimulate the housing market.  This means that FHA has reestablished the previous higher FHA loan limits that were in place before they were decreased during the period of October 1, 2011 through November 17, 2011.

Click here for Missouri FHA lending limits.

The FHA loan is one of the best options for homebuyers in today's market. Buyer agents need to know the FHA loan limits so they can properly advise their buyers, and listing agents need to know the FHA loan limits to know whether to accept FHA financing terms on their listings.

If you have any questions about the FHA loan limits, contact me anytime. And if there's anything else I can do for you or your clients, just let me know. I'm always happy to help.