Seattle Real Estate

Place for real estate news and area events

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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The Move-up effect!

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Forbes: America’s best states for business – Forbes.com- msnbc.com October 3, 2009

Filed under: Economy,Good News,Marketing information — Rolland @ 9:13 pm
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Forbes: America’s best states for business – Forbes.com- msnbc.com: “In the rankings of best states for business, Washington comes in second”

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Any place better to live than Seattle? Just one August 11, 2009

Filed under: Area info,Good News — Rolland @ 1:22 am
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Seattle is listed by Outside Magazine as the 2nd best place to live.

“The recession arrived late in Seattle, thanks to future-trending corporations like Amazon, Micro soft, and Boeing, and unemployment leveled off in March, helping the city avoid a major collapse in housing prices. Leaving nature-hungry urbanites free to conduct business as usual:”

Not to mention our long standing awesome 80% library card carrying record to boot! We rock Seattle!

Any place better to live than Seattle? Just one, mag says: “”

(Via .)

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Home prices finally at the bottom August 3, 2009

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Housing Trends Report July 19, 2009

Below are some valuable information for you! You can click on the image and it will take you to the full report. Now, how do you read it or even understand it? Just give me a call (206.963.4307) or email me and I will contact you and take the all the pain out of it for you.

Remember, not knowing something isn’t a crime, not knowing because you didn’t ask … is.

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Home Owner Association (HOA) Question July 16, 2009

Filed under: Protect yourself — Rolland @ 6:44 pm
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Got asked the other day about Home Owner Associations (HOA’s).

Question; The question was; what happens when a HOA Board of Directors throw out or ignore a decision voted upon by the membership at an annual meeting.

Answer; If the vote taken was on an issue that required membership approval/vote, the BOD must follow the decision. If the issue was one that is more of an opinion of the membership, the BOD can do with that vote as they see fit. Course, they run the risk of upsetting the majority membership, and typically it is considered a poor course to take. A “good” property manager will advise the BOD of this.

Got condo, home ownership questions? Please email or twitter them to me at the links provided. And you can always go to my blog and leave a comment with your question.