Five Factors that Decide Your Credit Score

Courtesy of Patti Duty, REALTOR® Five Factors that Decide Your Credit Score Scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage. These factors will affect your score. Your Payment History. Whether you paid credit card obligations on time How Much You Owe. Owing a great deal of money on numerous accounts can indicate that you are overextended. The Length of Your Credit History. In general the longer the better. How Much New Credit You Have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay promptly. The Types of Credit You Use. Generally, it’s desirable to have more than one type of credit—installment loans, credit cards, and a mortgage, for example. For more on evaluating and understanding your credit score, go to http://www.myfico.com/?lpid=NARI3.   GET MORE TIPS AT: www.WiseAgentOnDuty.com

Want to Sell Your Home? Information for Sellers

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For Sellers

Sell a Home, Not a HouseOne of the great ironies of selling your house is that you must get it in such great condition that you may ask yourself why you would even want to move out. Your focus right now may be on your own dream home, but consider your current house as someone else’s dream home, and start preparing it for them. Putting a little work into it now makes the entire process of selling your house much more profitable for you in the long run.
Who Else Do You Need On Your Team?While a great real estate agent is key to selling your home, you will actually be employing a team of specialists to get you through the process. Your real estate agent is well-connected and in many cases they will be able to recommend people who will handle all the services that go with fixing-up and selling your home, including: lenders, pest control specialists, home warranty companies, inspection companies, contractors, and plumbers.Timing It RightWhen you are selling your home and buying a new one at the same time, the ability to juggle the responsibilities of both can protect you from headaches. Avoid having to handle two giant chores at once by starting early. Make a list of whom you need to notify about your change of address, including utility companies and credit card companies. Start packing the knick-knacks and off-season items you won’t be needing before the move. If you can start doing repairs around the home as early as possible -- even a full year prior to the sale of your home -- you will be able to avoid a huge bill right before the sale.Lighten The LoadAs you begin packing to move to your new home, the realization will probably hit you like a ton of bricks: You have a ton of stuff. Rather than packing it all and lugging it to your new house just to stuff it into the garage and closets, lighten your load and make your move easier. A garage sale is a great way to unload lots of your little-used items and make a little extra cash to spend on decorating your new home. You can also sell some of your rarer possessions on auction sites such as Ebay. You may get a pretty penny for old toys and books which might have sold for a lesser price at your garage sale. Also consider donating furniture and clothing to charity. You’ll be doing something good for yourself and for others.

Understanding Agency

Five Things to Do Before You Sell

Tips for Holding a Yard Sale

Ten Ways to Make Your House More Salable

Five Ways to Speed Up Your Sale

Seven Steps to Preparing for an Open House

Ten Ways to Make Your Home Irresistible at an Open House

Seven Terms to Watch for in a Purchase Contract

Questions to Ask When Choosing a Real Estate Practitioner

What You'll Net at Closing

Moving Tips for Sellers

Six Items to Have On Hand for the New Owners

Twenty Low-Cost Ways to Spruce Up Your Home

What is Appraised Value?

Understanding Capital Gains in Real Estate

Does Moving Up Make Sense?

Remodeling That Pays

Twelve Tips for Hiring a Remodeling Contractor