About Covington's Foxwood

Under the "Making Home Affordable Program", now homeowners may be eligilble to refinance with their homevalue being less than what is owed in mortgage balance.

"Making Home Affordable Program".

You may be eligible for a loan modification under this new program if you can answer "yes" to all of these questions. There is no cost to you.

• Own and currently occupy a one-to four-unit home.
• Have an unpaid principal balance that is equal to or less than $729,750 (for one unit properties).
• Have a loan that was originated before January 1, 2009
• Have a mortgage payment (including taxes, insurance, and home owners association dues) that is more than 31% of your gross (pre-tax) monthly income.
• Have a mortgage payment that is no longer affordable, perhaps because of a significant change in income or expenses.

You don't need to be behind your mortgage payments to be eligible. Although, you will need to provide proof that you are struggling to stay current on your payments or at risk of imminent default.

If you are eligible for this plan and are approved, you will be put on a trial modification for three months at a new rate and payments. After the trial period, if you are able to maintain the payments successfully, you will be put on a fixed interest rates and payment for 5 years.

To find out more about the "Home Affordable Program" contact your current loan service provider or your loan officer. I have only provided you with the basic information to help you get started.

**Information is deemed reliable, but not guanranteed and should be indepently verified.**

I was fortunate to have just listed a property where the seller is cooperative when it came to staging. They even set the stage for their backyard by asking me first, "what do you think of a little table and chair here"? Now, that's setting the stage for a cozy little backyard. Set up conversation areas but make sure they all face towards the house.

Pack away the scattered toys and trampolines! Swings, tree houses, sports court and basketball hoops are fine.

The patios and decks should be power washed. The transformations are incredible from it alone. If necessary, restain the deck with beige or gray color - red stains on decks in outdated.

AAHHH the beauty of plants! To de-emphasize unsightly views or flaws on a deck, try using hanging plants

Cover the BBQ Grill if it is questionable in condition. Try not to have it directly outside of the kitchen window or obstucting any views.

Umbrellas can block views too. They can be used to de-emphasize any backyard flaws, otherwise put them down.

Overall keep it green and manicured like your frontyard.

Here are the events happening at the Covington Library from Tuesday, March 10 - Monday, March 16th. The events are Study Zone, Anime or Manga lovers - for teens, Power point computer class, Free conversation to improve your English.

Event Type: Study Zone (K-12)
Date: Tuesday, March 10, 2009
Start Time: 6:30 PM
Library: Covington Library
Description: Grades K-12
Drop-in during scheduled Study Zone hours for free homework help from volunteer tutors.
High School Math on Wednesdays and Thursdays only.
Age(s): Teens, Children & Families

Event Type: Teen Programs
Date: Wednesday, March 11, 2009
Start Time: 4:00 PM
Library: Covington Library
Description: Teens in grades 6-12
Do you love Anime or Manga? If yes, then join this club.
Age(s): Teens

Event Type: Study Zone (K-12)
Date: Wednesday, March 11, 2009
Start Time: 6:30 PM
Library: Covington Library
Description: Grades K-12
Drop-in during scheduled Study Zone hours for free homework help from volunteer tutors.
High School Math on Wednesdays and Thursdays only.
Age(s): Teens, Children & Families

Event Type: Children's Programs NOT Story Times
Date: Wednesday, March 11, 2009
Start Time: 7:00 PM
Library: Covington Library
Description: Ages 4 and older
Join us for Spanish/English bilingual stories from this award winning storyteller and author. He has performed throughout the country and at the National Storytelling Festival.

Age(s): Children & Families, Adults, Teens

Event Type: Computer Classes
Date: Wednesday, March 11, 2009
Start Time: 7:00 PM
Library: Covington Library
Description: Learn the basics of PowerPoint. Apply a design template, arrange slide content, put text and pictures on slides, print handouts, notes and prepare to give a presentation. Prerequisite: Basic computer ...
Age(s): Adults
Other: Registration required beginning January 1. Sign up at the Information Desk or call 253.608761.

Event Type: Study Zone (K-12)
Date: Thursday, March 12, 2009
Start Time: 6:30 PM
Library: Covington Library
Description: Grades K-12
Drop-in during scheduled Study Zone hours for free homework help from volunteer tutors.
High School Math on Wednesdays and Thursdays only.
Age(s): Teens, Children & Familie

Event Type: Talk Time
Date: Monday, March 16, 2009
Start Time: 10:30 AM
Library: Covington Library
Description: Free conversation class to improve basic English. Meet people from around the world and learn about American culture.
Age(s): Adults
Other: Registration not required.

As an Accredited Staging Professional, I was taught that the outside of your house is just as important. Everyone knows that Great curb appeal, and a memorable first impression is essential. In a hot market people will overlook the sight of your yard and the clutter on your house. Not these days, where there is much more to choose from So stage the outside of your house.

Start by looking at the outside of your home through a stranger's eyes. Go and stand outside in the street if you have to. Can you see your house or is it blocked by a big bush or a tree? If so, time to trim or wack it off. All windows should be clear of vegetations to allow maximum light into the house. Large, large trees overpower the house.

What about the grass? We are aiming for green and no bare spots. Remove all that is dead, even those that will grow back. Death to all weeds! Be ruthless. Cut back those jungle plants. If you can't be objective, hire a professional landscaper for his opinion. Pruned bushes should be round, because it is more modern looking and gives it a softer look. Pine trees or larger trees should be trimmed, so that the bottom five feet of the trunk is visible. It makes the yard appear more spacious.

New wood chips spruce up the garden and make it look professionally landscaped. Plant flowers in well-placed groups where the eyes are likely to rest. Remember to plant flowers with instant color. Unless it is in the fall, try to stay away from the colors yellow and orange.

We don't want prospective buyers to think you neglect your yard. Just as with the inside of the house, we need to make it look as spacious and manicured as possible.