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If you're an architecture aficionado in South Bend, Indiana, you're in luck. While the Windy City gets all the glory for its architecture tours, you don't have to drive all the way to Chicago to experience Art Deco office buildings from the 1920's or Classical Revival hotels from the 1890's. Right here in South Bend, we have more than 20 well-preserved buildings that show off the best of American and European architectural styles from the past 130 years. And on the first Friday of every month, a local history expert leads a downtown walking tour that highlights them.
"Then & Now: A Downtown South Bend Architecture Walking Tour" leaves at 5:30 from the American Trust Co. clock, and its route varies according to the season. Whether you're a history buff, an art student, or just a South Bend resident who's curious about the city you call home, this monthly walking tour is a great opportunity to learn more about our historic downtown area.

Buying a house is a major decision. Your first real estate purchase will be the biggest investment you've ever made, and it will stick with you for years to come, in the form of principal payments, interest charges, and other fees. That is s why it's so important to slip out of your wide-eyed newbie mode, and develop some strategies and skills that have served countless home buyers before you. Instead of buying a house blindly, make sure you are aware of these common mortgage mistakes, and how you can avoid falling into the same pricey trap.

Coming up with the down payment for a home is one of the biggest roadblocks for many first-time buyers. Many lenders require a down payment of 20 percent, which can be quite a chunk of change. Although there are lending programs that can take that percentage as low as 3.5, with 20 percent you'll have a better chance of getting approved for a loan, a lower interest rate, more equity in your home, and a lower monthly payment. There are closing costs to consider as well. While saving for a house may seem daunting, there are simple ways to cut costs and squirrel money away.

When temperatures start soaring in the Midwest, something else tends to increase too: the number at the bottom of local energy bills. Keeping your home cool and comfortable all summer can be very energy-intensive, especially during heat waves drought-filled days. In fact, the U.S. Department of Energy warns that summer AC costs, like wintertime heating costs, could make up as much as 45 percent of your total monthly utility costs. But did you know that some of these increases aren't actually inevitable?

Buying your first home is one of the most exciting--and stressful--events in your life. It may be the biggest purchase you ever make, so you want to choose wisely and pick a house you can afford. To make this happen, arm yourself with the right information before you start your house hunt can ultimately help you buy with confidence.
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