- The Handy Homeowner
- Posts
- Zombie Mortgages & Liens
Zombie Mortgages & Liens
Plus Kitchen Countertop & DIY Cabinet Hardware Updates

A Zombie Mortgage is a term used to describe a mortgage that, despite being assumed settled or discharged, continues to linger, potentially haunting the homeowner. This can happen when the mortgage lender fails to properly record the discharge of the mortgage with the appropriate county or state records office, leaving an unresolved lien on the property. As a result, even though the homeowner has fulfilled their repayment obligations, the mortgage remains on public records, creating complications for future transactions such as refinancing or selling the property. The "zombie" aspect arises from the fact that this mortgage, like a reanimated corpse, continues to exist and cause issues long after it should have been laid to rest.
Zombie Mortgage
To check if you have a Zombie Mortgage, you can start by reviewing your mortgage documents to confirm the payoff and discharge status. Next, obtain a copy of your property's title report from the county recorder's office or through a title company. This report will show any outstanding liens or encumbrances on your property. If you discover that your mortgage is still listed as active despite having paid it off, contact your lender immediately to request a correction. Additionally, you might consider enlisting the help of a real estate attorney to ensure that the mortgage is properly discharged and to navigate any potential legal hurdles that may arise in the process.
Home Improvement: Kitchen Countertops

Dekton
Replacing your kitchen countertop is a big home improvement project that can really change the look and feel of your kitchen. It's important to think about how much you want to spend, the quality of the materials, and how long they will last.
Start by setting a budget. Countertops can range from inexpensive options like laminate to more expensive ones like granite or quartz. Laminate is cheaper, but it may not last as long or look as nice as natural stone.
Quality is important, too. A high-quality countertop can make your kitchen look more luxurious and add value to your home.
Don't forget about durability, especially since the kitchen is a busy area. Materials like granite, quartz, and solid surface are very durable and can handle daily use, making them great long-term choices.
For durability Dekton countertops offer several advantages, including exceptional durability and resistance to scratches, stains, and heat, making them ideal for busy kitchens. They are also UV resistant, so they won't fade over time, and come in a wide variety of colors and finishes to match any kitchen style.
However, Dekton countertops can be expensive and require professional installation due to their hardness and weight. Additionally, while they are highly resistant to damage, if yo drop a heavy object on them they can chip or crack, repairs can be difficult and costly.
In the end, the best countertop for your kitchen will depend on your needs, style preferences, and budget. Taking the time to think about these factors will help you make a decision that you will be happy with for years to come.
DIY Projects: Update Cabinet Hardware: A Simple DIY Project to Modernize Your Kitchen

Cabinet Handle Update
If you’re looking to give your kitchen a quick and affordable facelift, updating your cabinet hardware is a fantastic place to start. Replacing old cabinet knobs and handles with new, stylish hardware can instantly modernize your space. Plus, this DIY project is straightforward and can be completed in just a few hours. Here's how to do it:
Materials Needed:
New cabinet knobs and handles
Screwdriver (or a drill with screwdriver bits)
Measuring tape or ruler
Pencil
Masking tape (optional)
Level (optional)
Screws (usually included with hardware)
Step-by-Step Guide:
Choose Your New Hardware: Begin by selecting new knobs and handles that match your kitchen's theme. There are countless styles and finishes available, from sleek stainless steel to vintage brass. Consider the overall aesthetic of your kitchen when making your choice.
Remove the Old Hardware: Using a screwdriver, carefully remove the existing knobs and handles from your cabinets and drawers. Keep the screws and old hardware in a safe place in case you want to reuse them in the future.
Measure and Mark for New Holes: If your new hardware matches the existing holes, you can skip this step. If not, measure the distance between the screws on the new handles and mark where the new holes need to be drilled. Use a pencil to make small marks where the screws will go. To ensure precision, you might use a piece of masking tape across the cabinet to create a level line for your marks.
Drill New Holes (if needed): Carefully drill new holes where you’ve made your marks. Be sure to use the correct size drill bit for the screws that came with your new hardware. If you’re unsure, start with a smaller bit and increase the size as needed.
Install the New Hardware: Attach the new knobs and handles to your cabinets and drawers using the screws provided. Tighten them securely, but be careful not to overtighten and damage the cabinet surfaces.
Check Alignment: Once all the new hardware is installed, step back and check that everything is aligned and straight. Adjust as necessary.
Tips for Success:
Consistency: Ensure all knobs and handles are at the same height and aligned properly to maintain a professional look.
Spare Parts: Keep extra screws and a few spare knobs or handles on hand in case of future repairs or replacements.
Safety First: If you’re using a drill, always wear safety glasses to protect your eyes from debris.
Updating your cabinet hardware is a small change that can have a big impact on the look and feel of your kitchen. It's a simple DIY project that doesn't require special skills or tools, making it perfect for beginners. So grab your screwdriver, pick out some stylish new hardware, and enjoy your refreshed kitchen!
Product Review: Ryobi 11-in-1 Multibit Screwdriver

The Ryobi 11-in-1 Multibit Screwdriver is a must-have tool for homeowners and DIY enthusiasts alike. This versatile screwdriver saves you the hassle and space of owning multiple screwdrivers by incorporating 11 different bits in one convenient tool. Its ergonomic design makes it comfortable to use, and the bits are easy to switch out, ensuring you have the right tool for the job every time.
As a home inspector, this is my personal favorite due to its convenience and reliability. Whether you're assembling furniture, fixing appliances, or performing general home maintenance, the Ryobi 11-in-1 Multibit Screwdriver is a dependable choice that simplifies your toolkit.

Home Tech & Gadgets: The Rechargeable Headlamp: A Must-Have Gadget for Home Repairs and Projects
A rechargeable headlamp is an incredibly useful tool for anyone tackling home repairs, maintenance, or DIY projects. Unlike traditional flashlights, a headlamp frees up both hands, allowing you to work more efficiently and safely in low-light conditions. Whether you’re fixing a leaky pipe under the sink, working in the attic, or assembling furniture, a headlamp provides bright, focused light exactly where you need it.
One of the key benefits of a rechargeable headlamp is its convenience. Instead of constantly buying and replacing batteries, you can simply plug it in to recharge, saving time and money. Many modern headlamps offer long battery life, multiple brightness settings, and adjustable straps for a comfortable fit. Some even include features like red light modes to preserve night vision or motion sensors for hands-free operation.
For tasks that require precision and visibility in tight spaces, a headlamp is invaluable. It’s perfect for everything from changing out light fixtures and inspecting HVAC systems to detailed craft projects and outdoor work after dark. Compact and lightweight, it’s easy to store and carry, making it a practical addition to any homeowner's toolkit.
In summary, a rechargeable headlamp is a versatile and essential gadget that enhances productivity and safety for a wide range of home activities. It’s a small investment that can make a big difference in your ability to tackle projects with ease and confidence.
That’s it for this week.
If you have questions, suggestions, or feedback, please don't hesitate to reach out. We're here to help you navigate the path to becoming a knowledgeable and confident homeowner.
Thank you,
Ron Henderson, CMI
The Handy Homeowner Newsletter
Disclaimer: The Handy Homeowner newsletter is intended for informational and entertainment purposes only, not professional advice. Additionally, please be aware that some links within our content may be affiliate links, which means we may earn a small commission if you make a purchase through those links. However, rest assured that this does not influence our editorial content, and we only recommend products or services that we genuinely believe in and think would benefit our audience.