What's Your Credit Score and How Do You Raise It?

 

Before you even think about buying a home, you should ask yourself two questions: "What's my credit score?" and "How do I raise it?"

 

Knowing your credit score will help you negotiate a good interest rate on your mortgage, and if you can raise your score, you'll get a loan with a lower interest rate.

 

This video (runs 2:31) explains…
 

 

If you have any questions about your credit score, leave us a comment using the "comment" link below.  We'd love to hear from you.

 

 

 

Are you Worried About Recession?

 

With all the gloom and doom over the past year about falling home prices, foreclosures, sharply higher gas and oil prices and bad job reports, are you truly concerned about a recession in the U.S. right now?

 

Home prices have plunged by 10 to 30 percent in some parts of the country, yet some markets are proving they can hold their own and prices have not decline, and in fact, have risen in some areas.

 

We'd love to hear your opinion of our National economy.  Do you think we are on the brink of recession, or are we about to turn the corner and get back on our feet?  Tell us what you think by using the "comment" link below.  Your identity (email and any web link you leave) will remain unpublished for your privacy and protection.

 

 

 

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A Great Blog for Travel Questions

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Yes, we realize our blog here is supposed to, and is, 99.5% about real estate related matters, however, polls show that over 72% of the American publc does fly at some point in time, so we thought we'd pause momentarily from telling you about real estate to tell you about a great new blog the TSA has started to answer questions from us, the flying public, about why they do some of the things they do at screening checkpoints around the country.

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Polls also show that the TSA is one of the least liked govenment agencies, but this agency is tasked with making sure our airports and skies are safe.š To combat the less-than-stellar image they maintain, the TSA has started a blog, answering common questions.š We found the blog very informative and some of their responses to reader questions very enlightening.š Some of the posts the TSA are putting up there might just change your attitude the next time you fly.

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You can also post questions or comments there yourself.š Take a look at what others have written, it's a very informative read.š http://www.tsa.gov/blog

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A Quick Home Inspection Checklist

 

With home prices dropping in many areas, home inspectors are finding more and more homes which are less maintained today than they were in the past.  Home buyers are cautioned to keep this in mind when searching for a home, and use this quick home inspection list as a reference when looking at property:

 

EXTERIOR
Check the operation of the windows and screens?
Has water been stopped from accumulating near the building?
Check doors, decks, siding, windows & fences for damage / deterioration?
Are there any signs of water infiltration from the roof, siding or windows?
Are there any signs of gutter or downspout problems?
Are the downspouts discharging water away from the foundation?
Has the soil around the home been pitched away from the foundation?

 

INTERIOR
Have all the areas listed in the home inspection report as inaccessible or not traversed been accessed & professionally inspected to determine if defects exist?
Do the garage doors and their openers function?
Was the reversing devices for the garage door openers tested?
Did you find out why any stains or cracks on any of the walls or ceilings that have become larger or have appeared since the time of the home inspection?    
Have all cracked windows or mirrors been repaired?
Have all the clouded double pane windows been replaced?
Are all the permanently installed fixtures or appliances been in place and in good condition?
Are there any signs of birds, rodents or animals?
Has any damage to damage to the walls, floor or ceilings been repaired?

 

PLUMBING
Do the plumbing fixture faucets leak or drip?
Are the plumbing fixtures chipped or damaged?
Was water for a time through all plumbing fixtures and check for leakage?    
Was water for a time through all plumbing fixtures and check for stoppage?

 

ELECTRICAL
Are all the light fixtures are all in place?
Do the light fixtures, switches and receptacles all function?
Does the door bell work?

 

HEATING AND COOLING
Do the thermostat, heating and cooling systems function?
Is there adequate air flow through the heating and cooling registers?
Did all the radiators or convectors get warm in a reasonable amount of time?

 

KITCHEN
Do all the appliances function properly?
Are the counter tops or cabinets damaged?
Do the cabinets and drawers operate?

 

In the end, remember, never buy a home without having a professional home inspector review things under the microscope.

 

 

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Can't Make the Mortgage Payment? Just Walk Away?

 

More and more borrowers are watching their house values sink while the cost of their loans skyrockets.  What to do?  It appears that some are opting to skip out on the mortgage all together.

 

Homeowners are abandoning their homes and, more importantly, their mortgages, rather than trying to keep up with rising payments on deteriorating assets.  So many people are handing their keys back to lenders that a new term has been coined for it:  "Jingle Mail."

 

Current lending practices have created an environment where a measure as extreme as abandoning a home actually makes sense to some people.

 

Many home buyers put little or no money down, so they don't have much invested in them.  This leaves them with little incentive to keep making payments when a home's market value dips below the balance of the mortgage.

 

The most serious consequence is a tremendous hit to credit scores.  But for some, that's better than throwing away money they'll never recover by selling their home.

 

Credit scores are hurt much more by missing multiple payments - on credit cards, cars and so on - than by a single foreclosure.

 

According to Craig Watts, a spokesman for the credit reporting firm Fair Isaac, "The time it takes to regain your credit score [after foreclosure] can be shorter than after bankruptcy."

 

Lenders are afraid that borrowers may find it's worth the hit to their credit scores, if they can drastically reduce their housing expenses.  Someone with good credit and a $600,000 home in a town with sinking real estate prices could buy a similar house nearby for $400,000, and then let the other $600,000 mortgage go into foreclosure.

 

Now, skipping out on a home is easier, thanks to the Mortgage Debt Relief Act of 2007.  Previously, if a bank sold a foreclosed home for less than the mortgage balance and it forgave the difference, the borrower had to pay tax on that difference as if it were income.  Now the IRS will ignore it.

 

Here's a brief CBS News 60 Minutes clip that shows this is really happening (Clip only runs 1:10)

 

 

Leave us your comments on this article and the video below… we'd love to hear your thoughts on this topic.