Seattle Real Estate

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Improving Your Credit October 25, 2009

credit-score-chartIf you are thinking of purchasing a new home or refinancing soon, your credit score will play a large role in not only whether or not you qualify but also how high your payments will be. Credit awareness is your first step.

To review your credit report, visit www.annualcreditreport.com. If you find any errors, work to fix them as soon as you can.

Your credit score is determined by several factors: Do you pay on time? Do you owe money on your credit cards? Have you used credit recently? Are you applying for numerous new cards? What kinds of credit have you used?

Essentially, lenders are looking for a consistent pattern of on-time payments. If you don’t already pay all your bills on time, now is the time to start.

Your score is also affected by your debt to income ratio. So you can work to raise your income or you can work to decrease your debt. Whichever path you choose, paying down maxed out cards is a good place to start.

Overall stability helps boost your credit score as well. Changing residences or jobs frequently can put a ding in your score.

If you are planning to apply for a home loan in the near future, avoid other big purchases like cars or boats.

If you’d like more tips on improving your credit, please let me know. I can put you in touch with a consultant who can work with you to help improve your credit score.

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Use a professional! You will be happier March 13, 2009

Filed under: Economy,Protect yourself — Rolland @ 4:10 am
Tags: , ,

Why use a professional?

Ethics is not just a word to throw around like a frisbee. True professionals are ethical, they take their role in society very seriously. For me personally, I am dedicated and strive daily to do the best job I can for the clients I represent. Thankfully, I work somewhere that I am proud of the people I work with. Every time we have a meeting together, the focus is not about “sales.” We often are focused on bettering ourselves and the services we provide. Our primary goal (least in the office I am in have real discussions and goal setting in the area of taking care of our clients.

These are serious times no doubt. Never has need for Joe Q consumer to have ethical real estate professionals to choose from. Correctly choosing who you can trust and confide in is paramount today. Sadly, there are some foxes in the hen houses right now. It angers me to know that while people are needing sound and real advice right now, are getting scammed right and left. Isn’t that how we got in this mess in the first place? This needs to stop, and stop right now!

If you get a call from someone out of the blue offering to “fix” all your problems, BEWARE! Then be smart and call your Realtor, we are here to assist you. Your Realtor is not a door opener, they are trained skilled professionals with a vast amount of information. You feel lost alone in todays market, give me a call and I will do what I can to help. If I can’t, I know one office full of people that can and will. Call me, 206-963-4307!

Take a moment and read the attached story. Leave a comment and tell me what you think. Lets work together and kick these foxes to the curb!

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Foreclosure scam artists rarely face jail time – Mortgage Mess- msnbc.com: “LAS VEGAS – They call themselves loan modification consultants, negotiators or specialists. Some are legitimate, but many are simple con artists looking for desperate marks facing foreclosure amid the wreckage of the nation’s housing market.

It’s a good business, too, since in most states, there’s not much of a chance they’ll ever end up before a judge facing any time in jail.”

(Via .)