Featured Listing

Custom Built Contemporary Home on 15 plus acres

Custom Built Contemporary Home on 15 plus acres
5 bed, 4.5 bath, 4800+ sf
$850,000

Featured Article

Why you should use a Realtor

 A real estate transaction is complicated. In most cases, buying or selling a home requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page government-mandated settlement statements. A...
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Happy Clients

1/22/2015 antoniya_gospodinova reviewed Sheri + John CurciSheri + John Curci were very professional and helped my wife and I with the purchase of our first home. She answered every question we asked...
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8 Ways to Improve Your Credit

     

Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.

 

1.      Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

 

2.      Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score.

 

3.      Don’t charge your credit cards to the maximum limit.

 

4.      Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

 

5.      Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt.

 

6.      Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.

 

7.      Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

 

8.      Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.