ZTI Realty

06/16/2026

PMI is one of those things in life that is both a curse and a blessing. Without it, cash-poor homebuyers can't get a loan. With it, your payments are higher, it takes a long time to get rid of (with some loans it never goes away) and it only protects the lender. PMI is short for 'private mortgage in...

06/09/2026

Are you shut out of the housing market if you don't have a huge chunk of cash to give the lender for a down payment? Believe it or not, zero to low down payment mortgages are still available and there are ways you can get into that home with little cash out of your pocket. No down payment: U.S. Depa...

06/02/2026

05/26/2026

Shady spots in the garden don't have to be barren. There are so many plants that will thrive in the shade--probably a lot more than you think-- from perennials to annuals. Gardeners can choose ferns, woodland flowers and luxurious ground covers. Whether your shade garden will be an accent or a focal...

05/05/2026

You don't need a big yard to enjoy gardening; even a small patio can be transformed into a colorful oasis. Container gardening isn't quite the same (care of the plants is a bit more challenging for one thing), but a container garden or patio can be just as attractive as those grown in the dirt. You....

04/28/2026

Although the weather outside isn't frightful – yet – it soon will be. Are you ready for another winter? More important, is your home ready? Let's take a look at the important steps to take to winterize your outdoor water supply and irrigation systems to avoid breaks and leaks over the winter. .....

04/21/2026

Checking the heating and cooling system is one of the most important parts of routine home maintenance and one that many homeowners pay little attention to. Once they learn, however, that the price of a new system could set them back between $5,000 and $7,000 their interest in maintaining it increas...

04/15/2026

Basically... it's a lifestyle, not a job 😉
Tag a friend who gets it! 🏡