Even small openings can make a huge difference. You should also check around in the basement, and it may be a simple as buying some expanding foam (aka "Great Stuff") to plug a few cracks.
There are many variables at play during a real estate purchase; so when you have the chance to control one of those factors, it can be very appealing. That may be one of the reasons most buyers choose to "lock in" their mortgage rate.
Homeowners can find a wide variety of shower heads, from water massagers to hand-held versions, costing from about $20 to more than $150.
With a wrench and some thread tape, most of them can be changed in a few simple steps, if you follow the product instructions carefully.
Following the recent turmoil in the financial markets, many lenders have taken a more frugal approach. Loans are not as easy to come by as they were just a few short months ago.
You can make yourself a more appealing mortgage candidate by increasing the amount of your prospective down payment and improving your credit score. Sustained employment, sizeable financial reserves, manageable debt and a history of solid credit is an impressive combination, no matter what type of market prevails.

1. Passaic County, N.J.
Taxes as a percentage of income: 8.5%
Median Homeowner Income: $81,853
Taxes as a percentage of home value: 1.7%
Median Home Value: $398,800
Median Property Taxes Paid on Homes: $6,928
Source: The Tax Foundation
If you liked this story, read:
The duties a selling agent will perform depend on the contract signed, but in general real estate professionals will execute in four key areas.
Updated Jun 17, 2009