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Open House Today! View the Visual Tour for 15 Joseph Drive, Sewell, NJ

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Sun, 07 Mar 2010 08:09:42 -0600

Click Here To View Virtual Tour
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NJ First Time Home Buyer Tax Prefund Program

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Thu, 04 Mar 2010 22:25:21 -0600

This is a great program, I have had success closing First Time Homebuyers with very little out of pocket money!

Via Steve Kappre, Gloucester - Camden County NJ Mortgage Loan Officer | 856-419-3561 (Treasury Mortgage | Mortgage Company - New Jersey):

NJ First Time Home Buyer Tax Prefund Program

The NJ First Time Home Buyer Tax Prefund Program has been a great option for New Jersey buyers needing down payment assistance programs. The program allows $5,000 of the $8,000 first time home buyer tax credit to be used towards your down payment and/or closing costs.

For buyers in the price range up to $142,000, the $5,000 can be used to cover the full down payment requirement for an FHA loan. When this is an option, a home buyer can also have the seller pay some or all of the closing costs. This is a great option for first time buyers because it lets them keep more money in the bank - something everyone homeowner needs!

The NJ Tax Prefund program will only be available while the first time home buyer tax credit is available, which means that both are gone in the coming weeks! To receive the first time buyer tax credit (and prefund option) a buyer must be under contract by April 30th and settle by June 30th.

If you need assistance, DO NOT delay. These loans typicially take about 45 days to close. Call today to get pre-approved for this option.

Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve.

NJ First Time Home Buyer

Purchase, refinance, rehab loans

Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more

Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail

Why Are You Getting All Dressed Up and Not Taking a Shower?

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Thu, 04 Mar 2010 22:22:46 -0600

When selling your home - please consider the following!

Via Anthea Click - Nashville Area Home Stager (Fresh Perspectives):

As a stager I end up in a lot of homes. On any given day I can find myself in a cute cottage or a multi-million dollar mansion. One thing that is common among every single home I walk into, no matter the size, location, or price is the need to be clean when your house is on the market.

You would never go buy a nice dress, find the perfect shoes and jewelry, have your hair and nails done and forget to take a shower, would you? Then why hire a Realtor, pay for a stager, rent furniture when necessary, leave the lights on for showings and not clean the house?

Putting your house on the market without giving it a good deep cleaning is like going to the prom without taking a shower.

So, let's talk about some of the common areas home owners miss when they put their home up for sale:

1.Windows - Good clean windows let the sunshine in and open up a house. Dirty fingerprints, smudges from dog noses and kids stickers can block the outdoors from coming in and also make the house feel small. Give those windows a good cleaning inside and out and don't forget to clean the sills.

2. Cabinet Doors - Years of cooking in the kitchen can leave cabinet doors with layers of dirt and grime. Wipe them down with a good cleaning agent, including the handles. Bathroom cabinets can accumulate the dirt too. Years of opening and closing along with toothpaste spills can be hard on the doors.

3. Baseboards - It's amazing the kind of impression good clean baseboards can leave with a buyer. It's one of those things a buyer won't notice if it is done, but they will notice it if it is not done.

4. Return Air Vents - This is an area that collects a ton of dirt (especially in the Middle Tennessee area). Wipe down the vent and go ahead and change the filter while you are at it - unless you are one of those homeowners who changes their filters every month. ;) When a buyer sees a dirty return air vent they wonder if the hvac system is in good shape. Don't plant a negative seed in the back of their mind!

5. Light Fixtures - Yep, get up on that ladder and clean out that dead bug collection you've had for years. While you are up there you can change the light bulbs too. Buyers like light and bright not dark and dirty.

6. Door Handles - Especially if you have little ones, door handles and the area around them can mysteriously collect the sticky from jelly, candy, and who knows what else the little hands get into. Cute when it is your kid - not so cute when it is someone else's.

7. Showers/Tubs - Keep the science experiment at school and remove all the mold and grime that is growing in the shower and tub. Bathrooms are considered money rooms and can make or break a sale. Don't lose a buyer because your bathroom can be mistaken for a science lab.

8. Tile Grout - Here is another opportunity to dazzle a potential buyer. When tile grout looks old and dingy it makes the bathroom seem dirty and cheap. To clean grout mix 1 part baking soda to 1 part hydrogen peroxide. Grab an old toothbrush and scrub away. In no time your grout will sparkle like a new set of pearly whites.

9. Kitchen Appliances - Yes, buyers will look inside your refrigerator, oven, and dishwasher. Toss out old food, wipe down the doors, and don't forget the top of the fridge. Years of melted cheese pizza on the bottom of the oven can send shivers down a buyer's back. You may not have the most updated appliances, but super clean will go a long way.

10. Exterior - Many times houses with siding can grow fungus in areas that don't get much sun throughout the day. Rent a power washer and remove all signs of it. Mold is a dirty word in real estate and will run buyers off faster than a speeding bullet no matter what type or if it is harmless.

Taking care of the little things (like taking a shower) can make all the difference in the world. If you want to have a good time at the prom or entice the buyer to write an offer on your home a good, deep cleaning is a must.
__________________________________________________________________________________________________

Anthea Click is the President of Fresh Perspectives Property Merchandising Services specializing in staging vacant homes, model homes and owner occupied redesign in the Middle Tennessee area including:Nashville, Brentwood, Franklin, Spring Hill, Fairview, Murfreesboro, Hendersonville, and Lebanon. She is also a certified CSP Elite instructor, educating agents on how to incorporate staging into their business. For information on staging your home for sale contact us at 615-465-8086 or visit our website www.fresh-perspectives.com.

20 Eco-Savvy Steps Sellers Can Take to Attract Eco-Friendly Buyers and a Speedier Sale

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Wed, 03 Mar 2010 21:42:47 -0600

Great info for Eco-Friendly buyers and sellers!

Via Asheville NC Real Estate- LAND & Green Built Homes:

20 Eco-Savvy Steps Sellers Can Take to Attract Eco-Friendly Buyers and a Speedier Sale

Looking for added value, Buyers demand eco-friendly features and Sellers benefit from that demand. . Sellers, you know the "Banish the Clutter!" anthem.Creating a great first impression is important, but investing in a home- and that's what buyers are doing- means Buyers are also looking for added value.

Today's buyers demand eco-friendly features such as those found in an energy-efficient house.

Going healthy sells.  Smart eco-renovations sell. And slashing the monthly energy bill, reducing water usage and costs, improving indoor air quality attracts Buyers.

If you want to make your home stand out from all of the rest and tap into a market where sales are brisker than average consider the following advice from an Eco Certified® Real Estate Consultant who knows the local real estate market and can point clients in the "right" direction.

Here is a list we offer to Sellers. It reflects the current market buyers' demand for eco-friendly features and benefits. Taken step-by-step it can provide sellers with a way to stand out in the crowd.

20 Eco-Savvy, Free, Inexpensive and/or Cost Effective Steps Sellers Can Take to Attract Eco-Friendly Buyers and a Speedier Sale

•1.      Order an energy audit. (Free)
•2.      Investigate potential for federal, state or local tax credits associated with going green. (Free)
•3.      Learn about green certifications-EPA's Energy Star for Homes, HealthyBuilt® and/or LEED ®for Homes programs. (Free)
•4.      Connect with buyers and a real estate professional who has earned the NAR GREEN® Designation who "speaks the language" and works with eco-friendly clients. (Free)
•5.      Implement energy savings suggestions from the energy audit. (Cost Effective)
•6.      Impress buyers with a flyer-display that documents how monthly bills change reflecting energy savings. (Inexpensive)
Show comparisons to typical bills for similar-sized homes in the neighborhood.
•7.      Use CFLs. (Cost Effective)
•8.      Emphasize daylighting and passive solar advantages. (Cost Effective)
•9.      Go green with rainwater harvesting. A simple rain chain and rain barrel can make an eco-friendly buyer smile. (Inexpensive)
•10. Put aerators on faucets. Save 50% on water consumption. (Inexpensive)
•11. Spruce up the home's exterior with native and edible landscaping. (Cost Effective)
•12. Pay attention to indoor air quality (IAQ.) a) Plants can help reduce by 50% airborne molds and bacteria. Try: Rubber Plant, Ficus, English Ivy, Boston Fern, Spider Plant. (Inexpensive) b) natural aromatherapy with essential oils. (Inexpensive)
•13. Clean. Use only non-toxic cleaning formulas. (Inexpensive)
•14. Brighten walls with non-toxic (NO VOC) paints. (Inexpensive)
•15. Donate "energy hog" appliances to charity
•16. Install Energy Star® appliances- 10% to 50% more efficient. (Cost Effective)
•17. Install a programmable thermostat. (Inexpensive)
•18. Caulk cracks. (Inexpensive)
•19. Create healthy alternatives underfoot. Recycled wood. Natural throw rugs. Bamboo. Or eco-friendly carpeting that does not emit allergens and toxins. (Cost Effective)
•20. Utilize social network marketing. (Free)

_________________________________________________________________________________

Asheville NC Real Estate: LAND and LOT EXPERTS- Going Green/ Eco-Friendly Properties. Tools for Sellers and Buyers. Mountain Homes, Land Legacies, LOTS and Land For Sale by Owners.

__~o
-\_<,
(*)/'(*)    ..........      ............" We are on the roll for sustainable innovation." © 2010. Asheville NC Real Estate     Unauthorized reproduction of any information on this site is a violation of existing copyright laws. All rights reserved.

________________________________________________________________________________________________

Condos and Single Family Homes Sold in Gloucester, Camden and Burlington Counties for January 2010

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Tue, 02 Mar 2010 21:09:58 -0600

You may be wondering how our recent market is holding up compared to the past few years. Is it a buyers market? sellers market? or is there a market?

I happen to belong to a local MLS (Multiple Listing Service) that is composing current market stats for agent to pass onto their clients!

Here is what you will find when you look at the Single Family Home Sales Report for January

County Units Average Sale Price PRICE CHANGE

Gloucester 98 $217,000 DOWN .46% from 2009

Camden 181 $206,000 UP 14.44% from 2009

Burlington 169 $248,000 DOWN 3.8% from 2009

Here is what you will find when you look at the Condo Sales Report for January

County Units Average Sale Price PRICE CHANGE

Gloucester 10 $144,000 DOWN 7.1% from 2009

Camden 12 $197,000 UP 35% from 2009

Burlington 23 $187,000 UP 9.3% from 2009

Call me anytime for a snapshot of your neighborhood!

Tax Credit Seminar 3/6/2010 Presented by Daniella McFadden, Re/Max All Pros and Mike Badessa, Superior Mortgage

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Tue, 02 Mar 2010 11:23:53 -0600

• BUYERS - Learn about the $8,000 TAX CREDIT

• SELLERS - Learn about the $6,500 MOVE UP CREDIT

• BUYERS - Buy a home with no money down!!!

TAX CREDIT ENDS APRIL 30TH

FREE

TAX CREDIT

SEMINAR + FREE PIZZA

RSVP:

Call Danielle to RSVP & for more info at 609-405-1103 or dmcfaddenrealtor@gmail.com

Date: Wednesday, March 6, 2010

Time: 10:00 AM - 12:00 PM

Location: Presidential Title Agency Inc.

1546 Blackwood Clementon Rd.

Blackwood, NJ 08012

Mike Badessa

Office: 609.294.5942

Cell: 609.354.8112

854 S.White Horse Pike • Hammonton, NJ 08037

Office: 856.232.1900

www.integritynj.com

1546 Blackwood Clementon Rd.

Blackwood, NJ 08012

Danielle McFadden, RE/MAX ALL PROS

Office: 856.228.7990 x138

Cell: 609.405.1103

5701 Route 42 • Turnersville, NJ 08012 Licensed Mortgage Banker, NJ Dept. of Banking & Insurance. NMLS#128654.

"Children Writing About the Ocean... Hysterical!" Today's Funny

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Tue, 02 Mar 2010 11:13:01 -0600

Children Writing About the Ocean... Hysterical!

1 ) - This is a picture of an octopus. It has eight testicles.
(Kelly, age 6)

2) - Oysters' balls are called pearls.
(Jerry, age 6)

3) - If you are surrounded by ocean, you are an island. If you don't have ocean all round you, you are incontinent.
(Alex, age 7)

4) - Sharks are ugly and mean, and have big teeth, just like Emily Richardson.
She's not my friend any more.
(Kylie, age 6)

5) - A dolphin breaths through an asshole on the top of its head.
(Billy, age 8)

6) - My uncle goes out in his boat with 2 other men and a woman and pots and comes back with crabs.
(Millie, age 6)

7) - When ships had sails, they used to use the trade winds to cross the ocean.
Sometimes when the wind didn't blow the sailors would whistle to make the wind come. My brother said they would have been better off eating beans.
(William, age 7)

8) - Mermaids live in the ocean. I like mermaids. They are beautiful and I like their
shiny tails, But how on earth do mermaids get pregnant? Like, really?
(Helen, age 6)

9) - I'm not going to write about the ocean.
      My baby brother is always crying, my Dad keeps yelling at my Mom,
      And my big sister just got pregnant, so I can't think what to write.
      (Amy, age 6)

10) - Some fish are dangerous. Jelly fish can sting. Electric eels can give you a shock.
They have to live in caves under the sea where I think they have to plug themselves into chargers.
(Christopher, age 7)

11) - When you go swimming in the ocean, it is very cold, and it makes my willy small.
(Kevin, age 6)

12) - Divers have to be safe when they go under the water.
Divers can't go down alone, so they have to go down on each other.
(Becky, age 8)

13) - On vacation my Mom went water skiing. She fell off when she was going very fast.
She says she won't do it again because water fired right up her big fat ass.
(Julie, age 7)

14) - The ocean is made up of water and fish. Why the fish don't drown I don't know
(Bobby, age 6)

15) - My dad was a sailor on the ocean. He knows all about the ocean..
What he doesn't know is why he quit being a sailor and married my mom. (James, age 7)

***PS - if this is copyright somewhere please let me know and I will remove it. My intent os not to steal anything but just to give you a little giggle!

Photos courtesy of www.freenaturephotos.com

Open House 3/7/2010 at 15 Joseph Drive, Sewell, NJ 08080, Gloucester County Real Estate for Sale presented by Bridget Cella, Re/Max All Pros

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Mon, 01 Mar 2010 12:41:03 -0600

PHOTO GALLERY

DESCRIPTION AND FEATURES

1ST QTR TAXES PAID BY SELLER WITH ACCEPTABLE OFFER! With 4 oversized bedrooms and 3 full baths and two half baths, full finished basement, study, livingroom, family room, dining room, laundry room, etc. etc.! This home needs nothing! You are welcomed by the expansive two story foyer complete with pillars and gorgeous staircase, hard wood floors and warmth! Family rm gas fireplace, custom paddle fans, bright open floor plan and expansive kitchen with new french insulated doors w/blinds between the window panes! Save money and keep your lawn beautiful with the new sprinkler system fed by it\'s own private well. Front and back stair cases, 2 car garage, new security system, 9 foot ceilings through out first floor, tray ceiling in master bedroom, 3rd full bath is in Princess Suite on second floor - expansive master baths with sunken tub, seperate shower, dual sinks, tile etc. Fresh paint and sparkling clean carpets. Basement offers powder room, game room, office and plenty of storage. Hurry!

Bedrooms:	4
Bathrooms:	3.5
Parking Spaces:	8
Square Feet:	5,000
Lot Size:	.57
Year Built:	2005
Floors:	2
MLS #:	5648210

LOCATION

Click to view map: 15 Joseph Drive Sewell NJ 08080

LINKS

SJ Real Estate Online

Angelman Syndrome Walk at Cooper River Park, Camden County, NJ May 15, 2010

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Thu, 25 Feb 2010 14:51:20 -0600

This is my personal Fundraising page! You can have your own!

Registration opens today for the 2010 National Walk to Support Research and Awareness for Angelman Syndrome!

What is Angelman Syndrome?

Angelman Syndrome (AS) is a neuro-genetic disorder that occurs in 1 in 15,000 live births. AS is often misdiagnosed as cerebral palsy or autism. Characteristics of AS include; developmental delay, lack of speech, seizures, and walking and balance disorders. Individuals with Angelman Syndrome will require life-long care. ~ via www.angelman.org

When?

May 15, 2010 Saturday

Registration starts at 8am and the walk around 9am

Where?

Cooper River Park, 5300 North Park Drive, Pennsauken NJ

Near the Playground and the Pooch Park

For more information contact www.angelman.org

Bridget Cella, local walk coordinator at bridgetcella@comcast.net

Just a Reminder of How Special Every Moment is...

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Thu, 18 Feb 2010 08:12:05 -0600

Heartbreaking!!!!!

Via Dinah Lee Griffey Allyn, Belfair,& LakeLand-Homes & Land (Windermere Peninsula Properties):

Went to a party, Mom

I went to a party,
And remembered what you said.
You told me not to drink, Mom,
So I had a sprite instead.

I felt proud of myself,
The way you said I would,
That I didn't drink and drive,
Though some friends said I should.

I made a healthy choice,
And your advice to me was right.
The party finally ended,
And the kids drove out of sight..

I got into my car,
Sure to get home in one piece.
I never knew what was coming, Mom,
Something I expected least.

Now I'm lying on the pavement,
And I hear the policeman say,
The kid that caused this wreck was drunk,
Mom, his voice seems far away.

My own blood's all around me,
As I try hard not to cry...
I can hear the paramedic say,
This girl is going to die.

I'm sure the guy had no idea,
While he was flying high.
Because he chose to drink and drive,
Now I would have to die.

So why do people do it, Mom
Knowing that it ruins lives?
And now the pain is cutting me,
Like a hundred stabbing knives.

Tell sister not to be afraid, Mom
Tell daddy to be brave.
And when I go to heaven,
Put ' Mommy's Girl' on my grave.

Someone should have taught him,
That it's wrong to drink and drive.
Maybe if his parents had,
I'd still be alive.

My breath is getting shorter,
Mom I'm getting really scared
These are my final moments,
And I'm so unprepared.

I wish that you could hold me Mom,
As I lie here and die..
I wish that I could say, 'I love you, Mom!'
So I love you and good-bye.

MADD (Mothers Against Drunk Drivers) IS HOPING TO GET 5,000
SIGNATURES ON THIS, THEN PASS IT ON TO SIGN.

When this petition has reached 5,000, please return this to:

MADD
P..O. Box 54168 8
Dallas , TX 75354-1688
1-800-GET -MADD 1-800-GET -MADD ( 1-800-438-6233 1-800-438-6233 )

If you receive this petition and do nothing but delete it, your selfishness knows no bounds. Signing is such a small effort to make. After you have read the poem, please add your name at the bottom. And never forget, DON'T EVER DRINK AND DRIVE, not even once, thinking that it won't matter. IT DEFINITELY WILL MATTER!!!

How to set it up:
* Click on Forward
* SIGN YOUR NAME AT THE BOTTOM.
* Then send it to everyone you know.
Follow all of the latest market updates and hottest deals on www.TheNorthwesLife.com or call Dinah at 360-551-8888 For all of your Real Estate needs.

Making Your First Time Home Buying Experience Successful

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Thu, 18 Feb 2010 08:07:51 -0600

Attention First Time Home Buyers - Must Read!

Via Steve Kappre, Gloucester - Camden County NJ Mortgage Loan Officer | 856-419-3561 (Treasury Mortgage | Mortgage Company - New Jersey):

Making Your First Time Home Buying Experience Successful

Well the run has begun and the whirlwind of first time home buyers is picking up steam all across the country. Every buyer will want to know how understanding and using all of your first time home buyer options comes into play in your personal home buying goals.

BUYERS TAKE NOTE:

What many Realtors and lenders (and therefore buyers) don't understand is that the $8,000 first time home buyer tax credit is not the only first time home buyer incentive right now. Indeed in South Jersey we are looking at a handful of mortgage options including a $10,000 grant-assistance program, a 4% (of loan amount) grant-assistance program, a tax-prefund mortgage option which allows $5,000 of the $8,000 tax credit to be used for buying a home, and a zero-down (100%) financing option. And that is just in Gloucester County!

Why do I say that Realtors and lenders don't know about these options??

Because I talk to buyers (and Realtors) all the time that know little to nothing about such options. Buyers come because their agent or their current lender could not answer their questions about such program options.

BUYERS do not need to miss out!! Ask as many questions as possible! Work with a local agent and lender that know their FIRST TIME HOME BUYER STUFF!!!! Do not settle for a medioce substitute!

Buyers can also check out: Understanding Seller Concessions | Seller Paid Closing Costs | Seller Contributions | Seller Assist

Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve.

NJ First Time Home Buyer

Purchase, refinance, rehab loans

Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more

Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail

Blood Drive at Holy Family Church, Sewell, NJ 08080 - March 7, 2010 from 9am to 3pm

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Wed, 17 Feb 2010 15:40:10 -0600

There is no substitute for blood - it takes real donors to provide blood for those in need. Please consider making a blood donation. There's someone in need who will be glad you did.

The American Red Cross will be holding a blood drive on March 07, 2010 from 09:00 AM - 03:00 PM.

The drive will be held at the Church of the Holy Family (Sponsor Code: 686), and for your convenience we are offering the ability to schedule your appointment online by clicking here.

Please show your support and schedule your donation today.

Church of the Holy Family

226 Hurffville Road

Sewell, NJ 08080

Click here for directions!

Sharing a 'Taste' of Yourself on Flavors.me

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Wed, 17 Feb 2010 13:27:28 -0600

I thought this interesting enough to pass on. May be the next big Facebook Active Rain!

Via Rich Jacobson Your Kitsap County WA Real Estate Agent (Windermere West Sound, Inc.):

Lani Rosales of AgentGenius fame, posted a recent Twitter update in which she shared about a new social media tool Flavors.me

laniar

"seriously, if you haven't seen @flavorsme here's my writeup: http://is.gd/6YB1o it's my favorite new web tool of 2010 so far! :)"

So, I did what any self-respecting, social media-obsessed follower would do, I joined flavors.me and created my own custom web page, which you can find HERE.

So what's the big deal about yet another social media aggregator?

Think "Your Own Unique Social Media Business Card." You throw up some basic bio info, enter in all your various SM profiles and outbound feeds (blogs, websites), then it aggregates/organizes them onto a simple splash page that you can personalize with custom formatting and your own image background. The whole process takes all of about 10 minutes without any coding skills.

from Flavors.me Designer, Jack Zerby:

"When we set out to create Flavors, we never expected that people would catch on to the vision so quickly. The uniqueness and personality of each page is why I believe everyone is a designer, but may not know how to bring the vision from their head to the screen. Web design “themes” don’t allow the user to think like a designer. We wanted users to build their personal pages just like a painter would, layer by layer. Using a combination of wireframes, backgrounds, colors, and fonts, the possibilities become limitless. The personal homepage died with the popularity of social network profiles, and we aim to bring it back."

To join Flavors.me, use the invite code 'heat'

~ o ~ o ~ o ~ o ~ o ~

DISCLAIMER: The author of this article is not a social media guru. Any similarity to such title, character or history of any said individual is entirely coincidental and unintentional.

An avid blogger since 2005, Rich has published over 1000 articles, most related to real estate. He enjoys using the tools of social media to brag/boast about the quality of Life on the picturesque Kitsap Peninsula in scenic WA State. He is a licensed real estate professional providing knowledgeable empowerment and relentless representation for his clients of residential properties and vacant land throughout all of Kitsap County WA and portions of Pierce, Mason, and Jefferson Counties. You can also find him at KitsapLife.com, SOUNDBITEBLOG, Crabbing in the Hood, Everyday CK, Facebook, Twitter, or e-mail: kitsapagent@gmail.com

Tips to Improve Your Credit Score

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Tue, 16 Feb 2010 11:07:13 -0600

Great information on improving or saving your credit scores!

Via Cristina McBreairty, CDPE (RE/MAX Allied):

A number of factors affect your credit score; improving the score requires you to take care of those factors such that you can manage your credit better.

Follow these simple steps to improve your score:

Improve your payment history:

Avoid making late payments on your bills.

Clear up all your past-due bills as soon as possible.

Request your creditor for an alternative plan with low monthly payments.

Negotiate with your creditors to remove charge-offs from your report and re-open those accounts.

Request your creditors to erase late payment entries after you re-start paying in time.

Reduce your outstanding debts:

Pay off high interest debts first.

Keep your balances low and try to keep your revolving debt to 50% of your available credit.

Don't close old and unused accounts rapidly in order to lower your available credit. It will raise your debt-to-credit limit which has a negative impact on your score.

Try to close accounts gradually over several months. Verify if the accounts closed are reported as "closed by consumer".

Improve Your Credit History:

You should not open several new accounts within a short period of time when your credit history is less than at least three years. Adding too many accounts in a short interval implies that you are not able to manage your credit properly.

Manage new credit efficiently:

Restrict yourself to a medium credit limit and not a higher one as your creditor suggests.

Do not try to open too many new accounts if you have gone through credit problems in the past.

Plan your budget taking into account your finances and credit.

Avoid several credit inquiries within a short period; otherwise it would mean that you are about to open multiple new accounts and this will affect your score.

Use a proper mix of credit:

It is better not to have too many installment loans as they can reduce your score. This is because the payments remain unchanged until you pay off the balances.

You can have a combination of credit cards and installment loans or loans with fixed payments as they help in improving your score. But you need to handle your credit cards efficiently.

Visit my website's Mortgage Center for more helpful credit information.

MORTGAGE INTEREST RATES 1983-2009

Bridget Cella, e-Pro Realtor (Re/Max All Pros) — Tue, 16 Feb 2010 09:54:03 -0600

Thanks to Lenn for posting this great info!

Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:

MORTGAGE INTEREST RATES 1983-2010

INTEREST RATES STILL HOLDING!

How long it will last is the question. Sooner or later. . . . .

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.