Tips for establishing credit

Open a bank account and use it responsibly. This is the first step in establishing a financial history. 
Get a co-signer. A good way to establish credit is to piggy-back on to someone who already has a good credit history established and is willing to co-sign, but be aware that any default of credit on your part affects the credit of the co-signer. 
Secured credit card. Apply for a credit card. Shop around and only apply for a card if you can meet the lender’s requirements. Responsible use will help you build a good credit history. 
Department store and gasoline credit cards. Since gasoline credit cards are not revolving (cannot carry a balance forward month-to-month), often they are easier to obtain than regular credit cards. Similarly, some department stores offer revolving credit for a specific purchase and this is sometimes easier to obtain. It is also a great way to establish credit.

 

You've Made It!

Let the FUN begin!  And let that fun start by considering your housing options. How about a city loft or a rural ranch house? Maybe a houseboat or a place with a great view of the back nine?

Whatever your fantasy retirement residence looks like, I can help you find it.

Give me a call when you're ready to embark on the rest of your life.

To search listings, visit my website HERE

 

Finding Your Dream Home

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Finding your dream home takes work!

Most buyers will spend between 8 to 11 weeks searching for a new home. It can take some time to find the right house in the right area for the right price. And then you have to submit a competitive offer and negotiate the terms of the deal. Without the right agent, things can get very frustrating.

When you give me a call, we'll put together a list of all the things you're looking for in your new home so I can help you find the home that suits your needs. We'll search together to find you the right home no matter how much work it takes.

Let's get started.

Give me a call today.

Finding Your Dream Home Takes Work

Cheap Money - Take it!

 

Cheap Money - Take it, it's your's

Borrowing money is just like any other transaction - your goal should be to get the lowest price possible. With interest rates hovering at historic lows, it’s never been more affordable to have a mortgage.

Let’s say you’re looking to borrow $200k for a 30-year home loan. At a fixed 2.95% interest rate, you’ll pay about $101k over the life of your loan. Compare that to a 3.95% interest rate and you’ll be paying $141k over the same loan term. To put it simply, a 1% increase will cost you $40,000.

With so much uncertainty in the market, there’s no promise that these conditions will last forever. If you’re ready to make a move, you can look forward to locking in a low-interest rate that can save you tens of thousands of dollars over the life of your loan. Call me today.

 

Free Market Analysis

As a homeowner yourself, you know how important an investment your home is.

The price of homes is always changing - especially in this area - and if you have lived in your home for more than a few years, there is a good chance that you may not be aware of its current market value. If this is the case, I would like to provide you with a free market analysis of your home. 

This market analysis will estimate the value of your home and is based on a thorough study of similar homes in the area, including those homes currently on the market or recently sold.

Knowing the value of your home is not only important when you are looking to sell, but it also is helpful when you are re-evaluating your insurance coverage.

I'm offering this valuable service free of charge in the hope that should you ever decide to sell your home or purchase a new one, you will allow me to be of service to you.

If you would like to receive this free market analysis or if you have any questions regarding real estate, please feel free to contact me.

Imagine the Possibilities

 

Imagine owning your home outright in 15 years

If you've been in your home for five years, and if current interest rates are one percentage point less than your existing mortgage rate, now might be the time to consider a refi. 

Refinancing can save you tens of thousands of dollars over the course of your loan term. Whether you're hoping to save cash month-to-month with a lower rate on a 30-year mortgage, or you want to aggressively pay off your home in 15 years, the time has never been better.

Whether it's buying, selling, or refinancing - if you're looking for a new way home, I can help.

Call me today!

Imagine owning your home outright in 15 years

Imagine owning your home outright in 15 years