May 27, 2017

30-yr Fixed Rate Fall = Increased buying power!

Posted by: CENTURY 21 United Realty

 

 

Over the past 7 business days a 30-yr fixed rate has decreased on average from 4.02% to 3.95%.  As a result a buyer who qualified for a $500k home on Thursday 5/18 gained about $10k in their purchase power. They now qualify for a $510k purchase price. Don't forget this effects people selling too.

 

Translation  

If you're sitting on the fence, you're losing purchasing power quickly. Call or schedule an appointment with us TODAY so we can get you approved for financing and in your home before the rates climb (which they are expected to do)!

 

The market is changing rapidly. Who do you know that could use our help today to sell or buy a home?

 

Feb 2, 2017

4 Ways to Jumpstart Your Credit Score

Posted by: CENTURY 21 United Realty

 

Improving your credit score can sometimes be a lengthy project. But, consumer advisor Brian Acton tells Yahoo Finance, if you are planning to apply for a mortgage or other major loan, there are five strategies you can use that can help bump up your credit score in as little as 30 days:


Become an authorized user – You can piggyback off someone else’s good credit by having them add you as an authorized user to an account they’ve had for some time. As an authorized user, you can benefit from this responsibly managed account once it is added to your credit profile. (Understand, however, that if you use the account irresponsibly, both your credit scores will suffer.)

Request a credit limit increase – If you have a timely payment history with your credit card issuer, the issuer will likely grant you a limit increase if you ask for it. Since your credit utilization rate figures heavily in your credit score, an increase in the limit can help your score –so long as you resist increasing your spending.

Pay down your cards – Because, as indicated above, a lower balance positively affects your credit utilization rate, make the effort to curb your current spending and use any extra funds you can muster to pay down existing debts.

Check for credit report errors – An error on your report can weigh down your score, while removing one can result in great improvement. Since most credit reporting errors are resolved in about 30 days, pull your report from AnnualCreditReport.com and go over it with a fine tooth comb. If something seems amiss – such as an unreported debt payoff – disputing it right away can make a big difference in your credit score.

Published with permission from RISMedia.

Jan 20, 2017

7 Tips to De-Clutter Your Home

Posted by: CENTURY 21 United Realty

The New Year is the time for a fresh start. It brings a feeling of starting over, and an opportunity to improve all areas of your life. In the New Year, take some time to complete projects you’ve been putting off for months. You can create an even better home for you and your family by decluttering and organizing your home.

Follow these tips for easy and quick ways to de-clutter your home.

1. Keep things at arms reach: Keep items you use daily somewhere where they can be easily reached, whether that’s in a basket, on a shelf, or in a cabinet. Store everything that is used sparingly on a higher shelf or in the garage or attic. It will be easier to find what you need when you need it.

2.  Add shelves: If your home is cluttered adding more furniture won’t help. Instead of adding a bookshelf or desk, add wall shelving.  You’ll have room for books, picture frames, paperwork, and even a television without cluttering your home with more furniture.

3. 12-12-12 Challenge: This challenge comes from BecomingMinimalist.com, and is a simple project to add to your routine. Clean and organize by choosing 12 items to throw away, 12 items to donate, and 12 to return to a proper place in your home.  This helps you organize, declutter, and give to a good cause all at the same time!

4. Garage storage: Make your garage your main storage area. Use old dressers and other furniture to store seasonal items and items you don’t use daily. Paint the furniture the same color to create a unified look.

5. Get rid of broken items: There’s no point in keeping items that are broken or unused, they’re just taking up precious space in your home. If you haven’t used it or gotten it fixed in the past six months, you probably never will. Throw it out or donate it to make room for something new.

6. Use things up: It’s a habit to save special items for special occasions, whether it’s fancy bath soap or an expensive spice. Stop saving these things for the right time, use them and enjoy them now. Use what you have before you buy something new to help keep clutter at bay.

7. Deal with one room at a time: Take it step by step. Organize and declutter one room at a time, makes it easier to focus on the task at hand. If you try to juggle too many rooms at once, it may never get done.

Go through these tasks every few months to help maintain an organized home. A decluttered home can give you and your family peace of mind – and room for something new.

Jan 10, 2017

Personal Growth

Posted by: CENTURY 21 United Realty

Every new day is yet another opportunity to grow, learn things, get closer to our goals, and set new, bigger ones.

But the beginning of the year one is a fantastic chance to see what we’ve been doing wrong, assess our life and progress so far, and enter 2017 with a bang.

Let the theme of the New Year be personal growth.

That means that whatever you do, wherever you go, and whoever you spend time with, you’ll always have your end vision in mind. You will be alright with making mistakes, but will take the lesson after each. You will experiment, build some new, healthy habits, and get things done regardless of the distractions around.

A lot can be achieved in a year. So why wait for yet another one to go by without being a better version of yourself and finally fulfilling your dreams?