Something that the three credit bureaus don't advertise is their credit freeze program.

I live on a lake in the northeast - so I get the sun reflection from the lake all summer long, then we get below freezing in the winter.

Leon, Even more recent than Assembly Bill 284 is the freeze on foreclosures in Las Vegas.

If you do not fix then they put a freeze on your direct deposit funds until you correct the items and you call the inspector.

Kind of like a lease-option set up, but instead of taking ownership at the end, I would be taking ownership at the beginning and freezing the price and buying in 2023 at the 2013 price.

Due to the fact that I have rentals on the east coast, I need to also consider pipes freezing in the winter.

Your mileage may vary of course.Also doing a cash-our refinance may freeze your ability to refinance for some time.All of that being said, if you have a lot of equity in your house, now is a great time to refinance as rates are very low.

The house sits on a hill so the lot has good drainage.The temperature is currently below freezing, so I'm also concerned about the water freezing in the house.I'm wondering if anyone else has had experience remediating flooded homes.

Also, who's to say on those days that's it's near-zero degrees outside that they just won't light up inside because they don't want to freeze their butts off (pun) smoking outside?

How deep water and drain lines are buried is greater in northern states due to the winter freeze.