Philip and Sharon Jones

CHECK UP ON YOUR CREDIT REPORT  

Are you aware of how your credit report can affect your home buying options?  When you approach a mortgage lender, they will look at your credit history to evaluate what kind of risk you represent based on the probability you will default on the loan.  Information about how promptly you pay your debts is sent to reporting agencies by your creditors, including banks, hospitals, electric utilities, department stores, landlords, credit card and cell phone companies.  It is prudent to request a copy of your credit report before applying for a mortgage loan, because it may contain inaccuracies due

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Save Money On Relocating When you are moving, you are already spending a lot of extra money. It helps to know some tricks for saving some money. Then your moving expenditures will not be so great.

One of the easiest ways to save money on relocating is to move less stuff.

Be sure to go through your things beforehand and throw out, give away, or sell whatever you will not need. A lot of people get into a time crunch when they are relocating, and they don’t have time to do this. They end up moving a lot of stuff that they then throw out when they reach their destination.

Talk about a waste of money. Take the time

  DISCLOSE!  DISCLOSE!  DISCLOSE!

 

You just listed your home for sale, and you withheld a few "little" problems from the Realtor--the family room leaks, but only when it rains; the outlet in the back bedroom won't spark unless something is plugged in; and there is a stain on the oak floor in the living room which is covered with a rug.

It is a mistake to think that your home will sell more quickly by concealing the little (or not so little) defects.  These seemingly small items can escalate into major issues that can threaten a sale, and possibly result in litigation.  State legislatures

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