This is a Murdula.com publication. This book is designed to give a homeowner valuable information in order to make informed decisions about their most value asset. This program also helps protect the homeowner from scams and predators. This is not legal advice but the opinion of the Host, Bruce Marcom , 20 year veteran in the Real Estate and Mortgage industry. He has a degree in Real Estate and in Business Administration, and is a Licensed Sales Agent and State Certified Real Estate Appraiser in the state of Texas.