South Burlington High School 9-12 SBHS Homepage

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• Free Tutoring & Support
• STAY CONNECTED
• Back-to-School Reminder: Student Health Forms
• Southeast Raleigh Magnet High School

The game consists of all grade levels and is strictly only for females.... College application season is here, but don’t panic SEMHS provides plenty of resources and guidance to make this process as seamless as possible. As Thanksgiving nears, ASB begins to host our Annual November food drive, which started on November 8th.

Through the partnership, students can be tested and treated for different illnesses, such as sore throat, headache, skin rash, pink eye, upset stomach and the common cold. Register today at goodsidehealth.com/register. El Monte Union High School District students are receiving in-depth training in sports therapy and rehab thanks to the District’s new afterschool Sports Medicine Program, offered at Rosemead, South El Monte and Arroyo high schools. For her willingness to go above and beyond and be a source of positivity for students during the school day, Paz, an Arroyo High School Class of 2008 alumna, has been honored as a Bobby Salcedo Esperanza Award recipient by the El Monte Promise Foundation. Paz received her award at the Foundation’s annual Tamalada Gala on Dec. 8.

Free Tutoring & Support

The November food drive will help many families in need in our community.... Congratulations to Cesar Castellanos who was named the El Monte Union High School District Teacher of the Year! Learn more about Mr. C and what he means to our students by clicking here.

The mission of the Socorro Independent School District is to optimize our students' academic, artistic, athletic, and interpersonal skills. Eastlake HS now offers payments through MySchoolBucks. Parents can now log onto myschoolbucks.com to pay for laptop fees, extra-curricular fees, student IDs and more. Please make plans to join our Class of 2023 seniors at our graduation ceremony. In the month of December girls at SEMHS are given the opportunity to enter the yearly Powder Puff game.

STAY CONNECTED

Congratulations to our Academic Decathlon team under the direction of Coach Oscar Castillo. Our Eagles won the "Rookie of the Year" award for the highest points earned by any new team in Los Angeles County. They took second place in the Super Quiz and scored 17 medals for individual achievement! See more photos from their celebration on our Instagram or Facebook pages .

This website and the information on this website are made available as a free public service. Every effort is made to provide accurate and complete information on this website. However, the El Monte Union High School District cannot guarantee that there will be no errors. Additionally, the El Monte Union High School District assumes no legal liability for the accuracy, completeness or usefulness of any information disclosed herein.

Back-to-School Reminder: Student Health Forms

Need to complete forms for school health services? We are proud to be recently named an International Baccalaureate School! High school students and parents are invited to attend FAFSA Nights for information and assistance through the federal financial aid process. Get a behind the scenes look at events, programs and activities at Martinsburg High School. Enrolling your student in school for the first time? We're excited to have you as a part of the Martinsburg High family!

Come out and support students and Martinsburg High School athletics. Tutoring is available for students in grades K - 12 in the areas of Math, English , Science and Social Studies. Click here to learn more about this opportunity. Create your free account today to easily pay for your student’s fees online or on-the-go with the mobile app.

SISD Offering Telehealth Services at SISD Schools

This school year Mr. Escamilla held a Christmas toy drive in his classroom. Mr. Escamilla held this toy drive because one of his former students, Leslie Maldonado, class of... Stay in touch with the data you need to help your student be successful this school year. Through regular checks on grades and assignments via Schoology, you're instantly connected to student information and online communication with your teacher.

South El Monte High School teacher and AVID Coordinator Cesar Castellanos was honored with the 2017 Bobby Salcedo Esperanza Award at the El Monte Promise Foundation’s 14th annual Tamalada fundraiser on.December 14. Mr. Castellanos, a Rosemead High School graduate, has been an English teacher at El Monte Union since 2011 and was recognized for his tireless efforts to ensure students believe in themselves and succeed. Now that all fall sports have ended for 2022, winter sports are in full swing. South El Monte’s girls basketball team is now practicing and putting in that work for this...

Eastlake High School

El Monte Union High School District may suspend or discontinue this service at any time. The user assumes the risk of verifying any materials used or relied on. Team SISD and Goodside Health are offering on-demand telehealth services to SISD schools. SISD students can see a medical provider in the school health room via video chat directly on campus.

Mobile Home Skirting Kits 16x80, 14x70, 28x60 & more at DURASKIRT

Table of Content

• Underpinning A Mobile Home
• A Brick Look For Your Mobile Home Complete Mason's Brick Skirting Packages!
• Complete Mason's Brick Skirting Packages
• Simulated “Rock” Skirting
• Trending mobile home skirting options
• Skirting 101
• Purchase DURASKIRT™ (CMU) Concrete Skirting Panels for A Variety Of Applications:

But another option that is much cheaper is to get faux brick skirting panels which are more akin to faux stone skirting. This siding for mobile homes also features a secure and positive locking system, so it installs easily and stays in place. Along with siding panels, we also offer door and window molding, mini gutters and trim.

ClickHere to learn how to measure your Manufactured Home for skirting. Please check with your local building code to determine the specific ventilation and moisture barrier requirements for your location. If you answered “yes” to any of these questions, you may need to consider repairing your skirting.

Underpinning A Mobile Home

Overall, it is one of the most common materials used in the construction of modern homes. Your underbelly might also be protected by bricks or concrete blocks. But it isn’t always as watertight as some of the other options.

Amobile home without skirtingjust doesn’t look finished or high-end. So skirting for a mobile home is just as important assiding,or even more so considering thesafety features of mobile home skirting. Renew your home's look with a Rapid Wall 32 x 80 complete mobile home insulate.. Renew your home's look with a Rapid Wall 32 x 70 complete mobile home insulate.. Renew your home's look with a Rapid Wall 32 x 60 complete mobile home insulate.. Renew your home's look with a Rapid Wall 28 x 80 complete mobile home insulate..

A Brick Look For Your Mobile Home Complete Mason's Brick Skirting Packages!

Faux stone skirting is different than simulated rock skirting. Faux stone skirting panels have a similar texture to real stone. The panels with faux stone skirting are made from polyurethane. Vinyl skirting is themost popular type of mobile home skirting.

We suggest seeing about seeing them in person before settling. Alternatively, they come in panels or shingles. For a hardier material, a corrosion-resistant finish is applied to the metal.

Complete Mason's Brick Skirting Packages

So now, most mobile homes aren’t really mobile at all. They are manufactured homes that were built away from the property that the foundation for the home is on. Brick is more expensive than cinder blocks but faux brick can actually be just as expensive as real bricks.

Sometimes you may need both of these options to complete your project. It can cost between $300 and $3000 depending on the materials used and the size of the home. You need to fill any cracks and holes here as well. Most of the time, you can also use mortar, caulk, and epoxy filler to solve this problem. For skirting, the first step is essentially the same as for siding.

A high-speed power washing machine can remove much more build-up than washing it by hand would. If you have minor chips or dents in vinyl skirting, you may be able to patch those rather easily. This can involve patching over small cuts with epoxy, or using a heat gun to buff out small dents on your skirting. Unfortunately, wood is costly and high in maintenance.

For types of installation styles, there’s clapboard or beveled lap siding — it’s horizontal with overlapping joints. One fantastic solution for vinyl skirting is to use weather resistant tape. With some types of siding and some types of damage, it can be better to replace it. For example, as we have said, you can’t fill up cracks in vinyl.

Trending mobile home skirting options

In the past, skirting for mobile homes has been expensive, hard to color match, and hard to fit. With 6 available color combinations, you can closely match the skirting to your existing color scheme with ease. All you have to do is measure your four corners and take an average for the height and we will do the rest. Trailer underpinning works best when used in conjunction with an effective ground cover moisture barrier. Upgrading or repairing your skirting will add curb appeal and help to increase the value of your mobile home. So, why not take care of your mobile home’s skirting this season?

Your mobile home roof keeps you dry from rain. The siding of your mobile home can protect against high wind damage while giving your home style. But what other part of a mobile home protects you from the outside?

Skirting 101

So before you beat yourself up, consider consulting a pro. If you’re unsure about the condition of your siding, it could help to call in a professional inspector or contractor. You should always check the home’s exterior when there has been a severe storm or other extreme conditions like frost. It won’t rot and is resistant to water and termites.

This isn’t only about making the repairs more accessible. Junk and debris can cause damage to your underbelly over time, especially by trapping moisture. So clear away anything that’s not meant to be there like leaves etc. Once all this is done, it’s time to finish off the job. Depending on the specific repairs, you may need to repaint the siding and treat wooden panels with oil or varnish. As long as it is maintained correctly, metal skirting is fairly weather resistant.

Top 10 Mobile Home Skirting Ideas

Table of Content

• K-Rok: Mobile Home Exterior Rock Skirting
• Get Your DIY Mobile Home Skirting Kits (packages) At A Discount THANK YOU!
• Metal Skirting (
• Rapid Wall Insulated Skirting Features:
• Common Size Mobile Home Skirting Kits (Packages) DS-Pro-30 Shipped To Your Home

This is why there are so many great options formobile home skirting. Vinyl skirting can be a valuable addition to your mobile home. It can keep unwanted animals from crawling below your house as well as protect your home from outdoor elements. As such, designing and completing a mobile home vinyl skirting project can be a valuable addition to your home.

Your mobile home’s skirting is a barrier around the underside of the structure. Most manufactured houses sit at least 36 inches off the ground. The majority of your home’s water pipes will be situated here.

K-Rok: Mobile Home Exterior Rock Skirting

Critters living underneath could cause costly damages in plumbing or electricity. Luckily, it isn’t always necessary to call in expert assistance. Read on for our guide on how to repair a mobile home’s skirting and siding. To nearly eliminate the “mobile” part of mobile homes.

The price of this type of skirting is so hard to pin down because it largely depends on the type of wood that you use. Whether it’s oak or pine,OBS or plywood, covering the whole side or simply in a lattice. So, if you normally paid $1500, you’d then pay $3000 for insulated vinyl skirting. You can completely change yourexterior designstyle just by changing your mobile home skirting. Are you ready to start your mobile home skirting project? If you are, then your first stop should be MHVillage’s Parts and Supplies page.

Get Your DIY Mobile Home Skirting Kits (packages) At A Discount THANK YOU!

You can’t help it that the eye will be drawn to your backyard storage shed. Rather than bemoan the fact that it’s there and that you don’t know how to work around it, leverage it. Make it shine, let it be a beautiful focal point.

The problem is that the wiring and plumbing will either have to be inside the house or set in the concrete before it is solidified. ALL our fiberglass steps are affordable, attractive and durable.

Metal Skirting (

However, it can be prone to dents and scratches and even rust. People can also build their skirting from vinyl. It is incredibly affordable and available in a range of options. But it isn’t as durable as many of the other options for skirting. You can use some materials for both siding and skirting with a few additions.

Get yourself a quality vinyl skirting product and you’ll be good. We’re going to discuss the latest and greatest in mobile home skirting and siding. Really, there’s a lot to cover regarding the exterior of your mobile home’s design.

Again you will need to adapt your maintenance and repairs to the type used. Like siding, there aremany different types of mobile home skirting products. Each type comes at a different price and with its own pros and cons. The more expensive types are usually sturdier while the flimsier types are cheaper. There are many mobile home wood skirting ideas to consider when you’re upgrading your manufactured home exterior. But first, it’s important to discuss why wood skirting is so popular.

Wood siding is a good option for people as it is light and easy to install and are available in various styles and options. Whether you need it for siding your entire home or just the accent this is a great option. Easter and Western red Cedar is available for siding of your mobile home and Yellow cedar is available for the poles and posts. Aluminum siding has been the material of home siding for decades.

Mobile Home Skirting and Siding

The most affordable, longest lasting and most beautiful skirting has proven to be our "Strong Skirt" Metal Skirting system. There are multiple types of manufactured home siding that can be installed. Vinyl siding is one of the most common with manufactured homes. We offer Dutch lap vinyl siding as one of the premium installs. We include removal and haul off with all of our installs. We are highly competitive with pricing as we want your business.

As you can see, the price range is quite large because there are so many different types of vinyl skirting. In fact, vinyl skirting panels come in different thicknesses and textures. Another reason why faux stone skirting is so popular is because of its low need for maintenance.

Vinyl Skirting (

One way to do this is to install a faux stone skirting. DURASKIRT™ concrete mobile home skirting kits including all accessories for DIY installing. Our kits fit manufactured homes, pier & beam homes, sheds, wainscoting, insulation covering, raised houses, cabins, park models, modular homes, and more! Moreover, our videos, drawings, photos & manuals answer almost all of your questions. DURASKIRT™ has a wide variety of sizes, from the popular Mobile Home Skirting Kits 16×80 to doublewide and triple-wide sizes. You can create brick skirting just like concrete skirting with blocks.

So before you beat yourself up, consider consulting a pro. If you’re unsure about the condition of your siding, it could help to call in a professional inspector or contractor. You should always check the home’s exterior when there has been a severe storm or other extreme conditions like frost. It won’t rot and is resistant to water and termites.

How much does a home appraisal cost?

Table of Content

• What Is A Home Appraisal, And How Much Does It Cost?
• The home’s location
• FHA Appraisal
• Upgrades, Additions, Remodels, and More
• Residential House Assessment Price

From what you have expressed above, I’m under the impression that you have never personally purchased an appraisal. From what you expressed above, I get the impression that you’ve only observed an appraisal ordered by a lender (either your lender or your buyer’s lender). The appraisal contains a lot of information collected from many different sources and is often hard to locate. The appraiser inspects the home’s fixed qualities, such as its structure, age, and location.

Property taxes are based on the fair market value of your home in your specific area. In a booming housing market, property taxes usually increase across the board. Still, if your area’s market has declined without a decrease in property taxes, you could get an appraisal done to help appeal the tax assessment.

What Is A Home Appraisal, And How Much Does It Cost?

An inspection is used to carefully check the structure of a home—from foundation to roof—to assess its safety and overall working condition. A home appraisal is only an assessment compared to similar homes to determine the home’s value based on appearance and the market. While there are parts of the appraisal factors that are out of your control, there are some things you can do to potentially raise the home’s value. You can make necessary repairs and upgrades before you the appraiser visits—an appraiser can only value what is currently part of the home, not its potential.

In fact, your state might require proof of it in order to get licensed. This type of insurance protects you and your business in cases where claims are made against you and your appraisal work. You can expect to pay between $500 and $1,000 annually for an E&O policy.

The home’s location

The appraisal is usually more expensive for an FHA, VA, or USDA mortgage than it is for a conventional mortgage. Your property needs to meet certain standards for you to qualify for one of these mortgages, so the appraiser has to look for specific things. Your lender does not perform the appraisal — a licensed professional independent of the lender does. An inspector won't make notes about the value, but they'll tell you about the condition of the home so you know about any major or minor flaws. The appraiser looks for any safety issues, as well as at the location and size of the home.

Then, a section explaining what to do before a home appraisal, as well as another about what is included in a home appraisal, are now present. Updated the introduction with new information, project scopes, and project costs. The appearance of your home will affect the overall appraised value.

FHA Appraisal

The extra time typically adds another $100 to $200 to the home appraisal cost. They’ll need to conduct extra research to find comparable homes to assess the total value. You might have to pay an additional $50 to $100 for the appraisal of an older house. For an accurate assessment, the home appraiser should have a place of business in the same county as your house. This ensures that they are familiar with the housing market in your region, including all the fluctuations and differences from one town to the next. If there are few appraisers in your area, you may need to pay extra for their services—probably between $100 and $200 more.

Appraisals are somewhat subjective, so two people might appraise a home for two different values. It’s important to note that while an apartment building is residential in terms of its occupants, the property itself is considered commercial because of the income potential. Depending on the size and number of units, an apartment building appraisal starts at $1,500 and can rise up to $3,000 or more. A typical single-family home with a standard mortgage will cost between $300 and $400. The cost of a home appraisal is $352 on average though the cost will vary depending on where you live.

The appraised home value lets you know what you should be either buying or selling the house for, and the amount could be quite different from the current listed price. Try to get the appraiser to change their report once submitted. Estate Appraisal Cost – An estate appraisal includes all property of worth with the sales value of the home. It’s usually carried out after a death or divorce to divide an estate equitably and to assess the estate tax due and costs approximately $350 to $475.

Frequently Asked QuestionsHome Inspection vs. Home AppraisalQuestions To Ask Before HiringGet free estimates from trusted home appraisers near you. Upgrades – See if you can add some of what they offered to your own home, like real wood flooring, granite countertops, etc. List any property agreements with neighbors, and provide a copy of a property survey if you have one. Have inspection reports ready regarding infestations, septic system, wells, etc. It’s up to the appraiser to have all the paperwork needed to do a proper appraisal. However, there are some things you can do to help them do the job quicker.

As a general reference point, properties priced at or less than $500,000 will typically result in an appraisal cost at the lower end of the range. You can estimate a bathroom addition’s value between 10% to 20% of a home’s value. But this also accounts for extra square footage since homes with more bathrooms tend to have more space. When considering adding one, you should know that a bathroom generally adds only $5,000 to an appraisal price initially, with adjustments made for other factors like local home values.

The home appraisal gives an overall idea of the value of the home. There are other, more specific appraisals, that can be conducted. After that, the appraiser must gather and analyze the rest of the data.

If you think your appraisal is lower than it should be, you may be able to ask the lender if they’ll allow you to get a second opinion. Continue through the report to see how the appraiser got to that final appraisal value. You’ll see columns with comparable sales and a line that says “net adjustment total.” This figure is how much the appraiser has adjusted the home’s value based on the comps. Appraisers aim to find at least three similar homes sold within the last 90 days, but in some circumstances multiple comparables aren’t available. Lenders must be flexible with the number of comps or amount of similarities.

As Forbes noted, a lender will request one, but the buyer has to pay the cost, which varies depending on who conducts it. Typically, home values increase over time and grow 3-4% each year in healthy, sustainable markets. However, home values are constantly changing depending on buyer demand and local market factors such as the amount of inventory, bidding wars or economic changes in the area. Local market conditions are the best indicator of projected (short-term) home value appreciation. Your Zestimate is updated regularly to keep up with fluctuating home values, making it an excellent resource for a free home value estimation. Review the history of your Zestimate and/or the Zillow House Value Index for your neighborhood in order to to examine house value appreciation in your local market.

Home Appraisal: What It Is and How It Works

Table of Content

• Appraisal Fees By Property Type
• Home Appraisal Cost by Project Range
• Home Appraisal Tips For Buyers
• Home Appraisal vs. Home Inspection

In summary, while an appraisal is just another cost that must be borne by the buyer, it may be well worth the investment. The $300 to $500 a full appraisal costs may prevent a buyer from paying thousands of dollars more than what a home is really worth. In any event, a buyer is unlikely to get a home loan without one. By definition, a home appraisal is an objective estimate of a home’s market value, based on a thorough examination of the home and property. Aside from using a home appraisal to weigh the value of a residence, mortgage lenders also use an appraisal to make sure they aren’t lending the buyer more money than the home is worth.

Make sure that your appraiser has experience doing appraisals for home sales, and that the appraiser is familiar with your property type specifically. The government maintains a national registry where you can verify the appraiser’s credentials. A large home or property will usually be more expensive to have appraised.

Appraisal Fees By Property Type

Property taxes are based on the fair market value of your home in your specific area. In a booming housing market, property taxes usually increase across the board. Still, if your area’s market has declined without a decrease in property taxes, you could get an appraisal done to help appeal the tax assessment.

A real estate appraisal is an objective look at a property to determine how much it’s worth. It’s done by a licensed professional who calculates the value of the property based on things like its age, location, square footage and upgrades, along with recent sales in the area. In order to assess the home’s market value and make sure the borrower isn’t attempting to borrow more money than the house is worth, all lenders order an appraisal during the mortgage process. When buying, a home appraisal can play a role in determining if your lender will approve your loan. When refinancing, a home appraisal will determine your LTV, which can affect the interest rate you receive. Appraisals are educated guesses by licensed or certified professionals on a home’s value in the current market.

Home Appraisal Cost by Project Range

The person buying a house is responsible for home appraisal costs, and the homeowner pays for an appraisal when refinancing a loan. Home appraisals help facilitate the process of one of the most significant purchases you’ll make. These are a few of the most frequently asked questions about home appraisal costs and their answers. It’s frustrating when an appraisal comes in lower than expected, especially when you put in extra time and money to get your property in tip-top shape.

The current condition of the property, along with the size of the property. If you, your Realtor, or your home appraiser notice any temperature issues or see water or ice on the unit, you should have an HVAC appraisal before proceeding with the sale. A licensed electrician or electrical contractor will go through and check for potential electrical hazards. These would include ungrounded outlets, exposed wires, and other electrical issues. If you or your Realtor see any signs of infestation, then you should have a pest appraisal done.

Home Appraisal Tips For Buyers

Buy a house in Philadelphia, PA. It determines a home’s value and your lender will use the house appraisal to generate an appraisal report. The report helps lenders decide an appropriate amount to lend to a potential homebuyer to purchase that property. State-certified professionals conduct appraisals to safeguard both buyers and lenders against inflated property valuations. There are many fees, licensing, insurance, and continuing education costs that an appraiser pays for annually to stay in compliance. This is good for the client receiving the appraisal because it means that the appraiser has a lot vested in providing quality information and work. The appraiser is one of the most highly educated individuals working on your real estate transaction, and you want them to be.

Home appraisals can affect the selling price and mortgage amount for a home. An appraised value that doesn’t match your purchase price could mean trouble. If the house appraises for less than you’ve agreed to pay, you may find yourself having to bring more cash to close or negotiating with the seller to make the deal work. In some cases, a too-low appraisal could force you to walk away from the home. If you’re buying a home, here are some things to keep in mind about your appraisal. To assess a home’s value, the appraiser will likely visit your home and compare it to nearby comparable homes, or “comps,” that have recently sold.

In the vast majority of mortgage situations, the buyer pays for the home appraisalat the time the original loan application is filed or the appraiser’s fee can be included in closing costs. During an appraisal, the appraiser—who is usually assigned by the lender—will determine the actual worth of the property based on several factors. Some of these include comparable property values of similar homes in the local market, the home’s condition, property size and location. Appraisals are beneficial for everyone involved in the home buying process. For buyers, a home appraisal ensures they’re paying the current fair market value.

In larger cities or areas with higher living costs, the range could be $500 to $800 or more. With rare exceptions, mortgage lenders always require appraisals both for home purchases and when a homeowner refinances a mortgage. There are several reasons why an appraisal may come back lower than the asking price. If you are sure your pricing is correct, you can appeal it if you feel the comparisons were inaccurate. This could be due to the appraiser missing such items as upgrades, renovations, or neighborhood amenities. You can also look at the sold home comparisons to make sure these are like homes sold recently.

Farm Appraisal Cost

This can help them determine if your asking price was reasonable. The appraisal will also consider what nearby comparable properties have been valued to estimate what an appropriate dollar amount is for your home. The appraiser will note if you’ve made any updates or improvements to your home as well as to any non-living areas, such as a basement or garage.

Clean or paint baseboards, straighten closets, cabinets, and remove items from bathroom/kitchen counters. Shampoo carpets, mop floors, clean the windows and doors, bathrooms, and kitchen area. You will also want to make sure that your safety systems function properly. Perform tests on your alarms and make sure that your smoke detectors and carbon monoxide detectors have working batteries. Another issue that should be addressed is any possible infestations.

You can ask your lender to drop the mortgage insurance based solely off the appraisal and the 20% equity, says Powers. There are some situations where an appraisal is more likely to be required. Some borrowers do a cash-out refinance when they borrow against some of the equity they’ve built in the home. Because lenders will only let borrowers take out so much equity, these refinance loans usually require an appraisal. In many cases, homeowners might be eligible for an appraisal waiver.

Therefore, this home appraisal cost is generally less expensive, around $100 to $150. However, lenders generally do not accept this type of appraisal for mortgage approval. More likely, homeowners and real estate agents may use it to help determine a home’s listing price.

Who pays for a home appraisal?

Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

The appraisal contingency lets you walk away from a home purchase if the appraisal comes in too low to justify the agreed-upon purchase price. Further, homeowners and the real estate professionals representing them are legally barred from coercing home appraisers or discussing the home’s value. Don’t ask for favors, don’t pressure the appraiser; just provide as much relevant information as possible, and let the appraiser do what you’re paying them to do. One cost that all sellers — from the theoretical to the potential to the highly motivated — should be aware of is that of the home appraisal. While this expense is not likely to break the bank, it can be a substantial out-of-pocket cost and is a vital tool for both homeowners and potential buyers alike. And why is this step so important when selling, buying, or keeping a home?