Thank You....

Helping first time home buyers gives us greater satisfaction than probably any other type of real estate transactions we do. We recently had the pleasure of helping a young mom find and purchase her first home. We actually started the search a few years back but there wasn't anything available at the time that met her criteria so the process was put on hold.

Well, time marches on and it's hard to believe that it's been almost two years from that initial search but she gave us a call a few months ago and we started looking again. This time, we found the perfect first home and everything fell into place. We did hit a few road blocks along the way, and at one point, we even thought we would have to walk away from the deal over some things that came up that were not working in her best interests. After making some needed changes, we were able to get through them and she is now a proud home owner.

What we are most thankful for is the fact that she trusted us and knew that we would do what was right for her. Even after putting everything on hold and then starting her search again, she chose us when she could have easily chosen another agent. It is this loyalty that our clients have to us that ensures that our loyalty will always be with them. There is nothing more important to us than doing what is in our client's best interests.

We want to send out a big THANKS to all of our past clients and congratulate our newest first time home buyer on her new home!

Credit Restoration....Can It Help You?

Many times the only thing standing between a client and home ownership is their credit score. They may have everything else in place but a few bad choices in years past have come back to haunt them on their credit report. There may also be actual errors on the report that are not their fault. This is why it is very important to review your credit report at least once a year to stay on top of any inaccuracies.

So what do you do if either of these situations apply to you? You have several options....You can contact the three major credit bureaus yourself to get copies of your credit report and then you would review them for any inaccurate information. If you find any errors, you will then notify the bureaus in writing of the information you are disputing. The process can be confusing and time consuming which is why many people who start out on their own will eventually decide to use a credit restoration company, which by the way, is different from a debt management/consolidation company.

A credit restoration company works to improve your credit score by having any inaccurate information removed from your records. They notify the bureaus for you and do all the necessary legwork and follow-up for you. In many cases, a person's credit score can be improved enough to qualify for a home loan in as little as three months depending on individual situations and initial scores.

Credit restoration will cost you. Fees can be as low as $250 and possibly as high as $800. You will want to beware of any company that may have an even higher fee than mentioned above or that tells you the process may take a year or more to complete. Your best option is to have a trusted professional you know such as a real estate agent, mortgage broker or even someone in the auto industry who can refer you to a reputable credit restoration company.

If you are interested in starting your credit restoration yourself, you can get a free annual credit report from www.annualcreditreport.com without having to contact the three bureaus individually.

Get started today on the process of cleaning up your credit report....it's
possible that you are closer to home ownership than you ever thought!

Going Green

If you were asked what color comes to mind when you think of St. Patrick's Day, I'm pretty sure that color would be green. So, with St. Patrick's Day and Spring being right around the corner, what better time to talk about "going green" than now.

Going green is basically a concept that means living in a way where you control your environmental impact on the earth. More and more people are "going green" everyday. A lot of people will start their going green lifestyle by reducing, reusing and recycling. These are three very easy and initial steps that you can take to start your "going green" life also.

Reducing....Water conservation is one of the most important environmental concerns that comes to mind when I think about going green. Water conservation should not only be practiced inside your home, but outside as well. Along with reducing the amount of water you use, you should also think about reducing the amount of cleaning products and personal products, etc. that you use as well. With many of these products, you can easily use less and get the same results.

Reusing....You should also be reusing as many other household items as you can. Plastic bags and containers are common items and easy to reuse for various purposes. I like to reuse those sheets of paper that come out of the printer with one line at the top that I'm not going to need. I take these and use them for scratch paper or sometimes I cut them up and make little note pads. Once you get into the habit and become constantly aware of going green you will come up with all kinds of creative solutions for many things.

Recycling....Recycling has been around forever and is probably one of the most effective ways we can help our planet. I remember my first recollection of recycling came from my dad. He would save his daily newspapers until he had a truck load of them and then he would take them down to our local recycling center in town. He also recycled glass and aluminum cans. Aluminum cans are my favorite recycling item because after all, who can resist a good cause that provides a little pocket change as a bonus.

Reducing, reusing and recycling are all so easy to do and everyone should do any or all of these in saving our planet. We need to teach our children so that they can teach their children. We need to do it for all future generations. Choose one thing today that you can easily do and get started. Once you get use to these simple changes in your life you'll be ready to branch out and go green in many more ways, some of which you can discover by clicking the link below or giving us a call.

Click here to visit the Going Green At Home website for more information.

Can I Really Afford That House?

Just because you may be pre-approved for a certain amount for a house doesn't always mean you can really afford that much. This is why one of the most important things that you can do once you've decided you are ready for home ownership is to set up a budget.

Your bank may be saying you can afford a certain amount based on your income and debt, but there is much more to what you can really afford. Only you can determine your exact living expenses which may include child care, hobbies, yearly vacations and your list could go on and on. You have a certain lifestyle that you are accustomed to and these expenses are not calculated into the amount the bank gave you. This is why so many people wind up "house poor". They wanted the biggest and best house the bank said they could have and never gave a second thought to what they could really afford.

So, before you even go to a bank for pre-approval, get a handle on your personal budget and determine for yourself how much of a mortgage payment you can comfortably afford and still be able to maintain the lifestyle that you want to live. You may decide that you can live without a few things to get the house of your dreams so this is just one more reason why knowing your budget is so important.

You can find a ton of help and different form styles to help you figure out your budget if you google "cash flow statements". It may seem overwhelming at first but it will be the best thing you can do for yourself now to make sure that YOU don't wind up "house poor" later on down the road.