774-568-0007
781-389-7252
Cidalia@kw.com
www.HomesbyCidalia.com
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Monday, August 23, 2010
Just Listed!!!!
774-568-0007
781-389-7252
Cidalia@kw.com
www.HomesbyCidalia.com
Thursday, August 19, 2010
7 Tips for Improving Your Credit
7 Tips for Improving Your Credit
Here’s how to clean up your credit so you get the least-expensive home loan possible.
Getting the loan that suits your situation at the best possible price and terms makes homebuying easier and more affordable. Here are seven ways to boost your credit score so you can do just that.
1. Know your credit score
Credit scores range from 300 to 850, and the higher, the better. They’re based on whether you’ve paid personal loans, car loans, credit cards, and other debt in full and on time in the past. You’ll need a score of at least 620 to qualify for a home loan and 740 to get the best interest rates and terms.
You’re entitled to a free copy of your credit report annually from each of the major credit-reporting bureaus, Equifax, Experian, and TransUnion. Access all three versions of your credit report at www.annualcreditreport.com. Review them to ensure the information is accurate.
2. Correct errors on your credit report
If you find mistakes on your credit report, write a letter to the credit-reporting agency explaining why you believe there’s an error. Send documents that support your case, and ask that the error be corrected or removed. Also write to the company, or debt collector, that reported the incorrect information to dispute the information, and ask to be copied on any materials sent to credit-reporting agencies.
3. Pay every bill on time
You may be surprised at the damage even a few late payments will have on your credit score. The easiest way to make a big difference in your credit score without altering your spending habits is to diligently pay all your bills on time. You’ll also save money because you’ll keep the money you’ve been spending on late fees. Credit card or mortgage companies probably won’t report minor late payments, those less than 30 days overdue, but you’ll still have to pay late fees.
4. Use credit carefully
Another good way to boost your credit score is to pay your credit card bills in full every month. If you can’t do that, pay as much over your required minimum payment as possible to begin whittling away the debt. Stop using your credit cards to keep your balances from increasing, and transfer balances from high-interest credit cards to lower-interest cards.
5. Take care with the length of your credit
Credit rating agencies also consider the length of your credit history. If you’ve had a credit card for a long time and managed it responsibly, that works in your favor. However, opening several new credit cards at once can lower the average age of your accounts, which pushes down your score. Likewise, closing credit card accounts lowers your available credit, so keep credit cards open even if you’re not using them.
6. Don’t use all the credit you’re offered
Credit scores are also based on how much credit you use compared with how much you’re offered. Using $1,000 of available credit will give you a lower score than having $1,000 of available credit and using $100 of it. Occasionally opening new lines of credit can boost your available credit, which also affects your score positively.
7. Be patient
It can take time for your credit score to climb once you’ve begun working to improve it. Keep at it because the more distance you put between your spotty payment history and your current good payment record, the less damage you’ll do to your credit score.
Other web resources
How FICO scores are calculated
Answers to frequently asked credit report questions
Cidalia Mendonca Matukas
781-389-7252
Cidalia@kw.com
www.homesbycidalia.com
1. Know your credit score
Credit scores range from 300 to 850, and the higher, the better. They’re based on whether you’ve paid personal loans, car loans, credit cards, and other debt in full and on time in the past. You’ll need a score of at least 620 to qualify for a home loan and 740 to get the best interest rates and terms.
You’re entitled to a free copy of your credit report annually from each of the major credit-reporting bureaus, Equifax, Experian, and TransUnion. Access all three versions of your credit report at www.annualcreditreport.com. Review them to ensure the information is accurate.
2. Correct errors on your credit report
If you find mistakes on your credit report, write a letter to the credit-reporting agency explaining why you believe there’s an error. Send documents that support your case, and ask that the error be corrected or removed. Also write to the company, or debt collector, that reported the incorrect information to dispute the information, and ask to be copied on any materials sent to credit-reporting agencies.
3. Pay every bill on time
You may be surprised at the damage even a few late payments will have on your credit score. The easiest way to make a big difference in your credit score without altering your spending habits is to diligently pay all your bills on time. You’ll also save money because you’ll keep the money you’ve been spending on late fees. Credit card or mortgage companies probably won’t report minor late payments, those less than 30 days overdue, but you’ll still have to pay late fees.
4. Use credit carefully
Another good way to boost your credit score is to pay your credit card bills in full every month. If you can’t do that, pay as much over your required minimum payment as possible to begin whittling away the debt. Stop using your credit cards to keep your balances from increasing, and transfer balances from high-interest credit cards to lower-interest cards.
5. Take care with the length of your credit
Credit rating agencies also consider the length of your credit history. If you’ve had a credit card for a long time and managed it responsibly, that works in your favor. However, opening several new credit cards at once can lower the average age of your accounts, which pushes down your score. Likewise, closing credit card accounts lowers your available credit, so keep credit cards open even if you’re not using them.
6. Don’t use all the credit you’re offered
Credit scores are also based on how much credit you use compared with how much you’re offered. Using $1,000 of available credit will give you a lower score than having $1,000 of available credit and using $100 of it. Occasionally opening new lines of credit can boost your available credit, which also affects your score positively.
7. Be patient
It can take time for your credit score to climb once you’ve begun working to improve it. Keep at it because the more distance you put between your spotty payment history and your current good payment record, the less damage you’ll do to your credit score.
Other web resources
How FICO scores are calculated
Answers to frequently asked credit report questions
Cidalia Mendonca Matukas
781-389-7252
Cidalia@kw.com
www.homesbycidalia.com
Monday, August 16, 2010
You would think "the sky is falling"
Have you been watching the news about real estate? It is crazy with all the "sky is falling" discussions around foreclosures and short sales out there. When it seems that the real estate market cannot get any crazier, it does.
With this continuing media frenzy around the real estate market, I want to remind you that the most important real estate market is the street where you live. If you are curious about what is happening on your block, please give me a call so I can give you the numbers that are specific to you.
Generalizations about national and even local real estate trends are difficult to translate to your home. I am happy to help you make sense of it all and forget the hype.
With this continuing media frenzy around the real estate market, I want to remind you that the most important real estate market is the street where you live. If you are curious about what is happening on your block, please give me a call so I can give you the numbers that are specific to you.
Generalizations about national and even local real estate trends are difficult to translate to your home. I am happy to help you make sense of it all and forget the hype.
Thursday, August 12, 2010
Making Moving Day Easier
I recently read this article and thought it would be helpful .
RISMEDIA, August 3, 2010--Moving across country or even across a state or province can be stressful. The move can become even more challenging if it includes relocating a vehicle.
Here are some tips from U-Haul on how to make moving day a bit easier:
•Move on a weekday if you can, when banks, utilities and government offices are open.
•Order preprinted address labels with your new address as soon as you know it. It makes the change-of-address process much easier.
•Keep a utility log to check service-transfer dates. If you're moving locally, leave the power and water on at your old address a few extra days so you can go back and clean up after your move.
•Choose a "packing room" ahead of time and box up a few things each day.
•To save time, rent a carpet shampooer at the same time you rent your truck.
•Mark each box with its contents and destination room. That way, you and your helpers will know where each box belongs at your new home.
•If moving locally, you may want to leave your pets with a friend during moving day. Animals can become confused and frightened during a move.
•Remember to allow for extra braking room when driving a moving van. Anticipate stops and allow a 3-second gap between you and the vehicle in front of you.
•U-Haul moving vans require up to 12 feet of overhead clearance. Watch out for drive-thru restaurant and motel over-hangs.
Here are some tips from U-Haul on how to make moving day a bit easier:
•Move on a weekday if you can, when banks, utilities and government offices are open.
•Order preprinted address labels with your new address as soon as you know it. It makes the change-of-address process much easier.
•Keep a utility log to check service-transfer dates. If you're moving locally, leave the power and water on at your old address a few extra days so you can go back and clean up after your move.
•Choose a "packing room" ahead of time and box up a few things each day.
•To save time, rent a carpet shampooer at the same time you rent your truck.
•Mark each box with its contents and destination room. That way, you and your helpers will know where each box belongs at your new home.
•If moving locally, you may want to leave your pets with a friend during moving day. Animals can become confused and frightened during a move.
•Remember to allow for extra braking room when driving a moving van. Anticipate stops and allow a 3-second gap between you and the vehicle in front of you.
•U-Haul moving vans require up to 12 feet of overhead clearance. Watch out for drive-thru restaurant and motel over-hangs.
Thursday, August 5, 2010
Wednesday, August 4, 2010
Real Estate Update - August 2010
EXISTING HOME SALES SLOW IN JUNE BUT REMAIN ABOVE YEAR-AGO
LEVELS
With the scheduled closing deadline for the home buyer tax credits, existing-home sales slowed in June but remained at relatively elevated levels, according to the National Association of Realtors®.
With the scheduled closing deadline for the home buyer tax credits, existing-home sales slowed in June but remained at relatively elevated levels, according to the National Association of Realtors®.
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| (CNNMoney.com) - Home prices rose slightly in May compared with a month earlier, appearing to have stabilized at the lower levels that followed the end of the residential real estate bubble, according to the S&P/Case-Shiller Home Price Index of 20 major housing markets released last week. Prices were up 1.3% from April, and 4.6% from 12 months earlier. | ||
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Monday, August 2, 2010
Just Listed in Easton
Just Listed in Easton!!!
This beautiful home is calling your name. For more information, private viewing or additional pictures please call me at 781-389-7252 or email me at Cidalia@kw.com.
15 Canoe River Rd. List Price: $559,900
Easton, MA 02375
Bristol County
Style: Colonial Color:
Total Rooms: 9 Bedrooms: 3
Full/Half/Master Baths: 2/1/Yes Fireplaces: 2
Grade School: Middle School:
High School:
Neighborhood/Sub-Division:
Directions: Rte 123 W to Foundry St., right on Canoe River Rd.
Remarks
Remarkable Colonial features 3 Bedrooms, 2 1/2 bath. Beautiful kitchen w/ pantry, granite counters, French doors to family room w/ corner fireplace.1st floor laundry, 2 story foyer. Master suite offers master bath w/ corner shower. I/G Pool, C/A, C/Vac, Alarm.
Property Information
Approx. Living Area: 3055 sq. ft. Approx. Acres: 0.95 (41625 sq. ft.) Garage Spaces: 2 Attached
Living Area Includes: Heat Zones: 3 Hot Water Baseboard, Gas Parking Spaces: 8 Off-Street
Living Area Source: Public Record Cool Zones: 2 Central Air Approx. Street Frontage:
Living Area Disclosures:
Room Levels, Dimensions and Features
Room Level Size Features
Living Room: 1 13x13 Fireplace, Skylight, Hard Wood Floor, French Doors
Dining Room: 1 13x13 Hard Wood Floor
Family Room: 1 16x21 Fireplace, Wall to Wall Carpet
Kitchen: 1 24x13 Stone / Ceramic Tile Floor, Pantry
Master Bedroom: 2 13x18 Walk-in Closet, Wall to Wall Carpet
Bedroom 2: 2 13x12 Wall to Wall Carpet
Bedroom 3: 2 13x16 Wall to Wall Carpet
Bath 1: 2 10x13 Full Bath, Stone / Ceramic Tile Floor
Bath 2: 2 10x8 Full Bath, Linen Closet, Stone / Ceramic Tile Floor
Bath 3: 1 4x7 Half Bath, Stone / Ceramic Tile Floor
Laundry: 1 6x7 Stone / Ceramic Tile Floor, Custom Built Closet / Cabinets
Foyer: 1 12x13 --
Features
Area Amenities: Shopping, Golf Course, Medical Facility
Basement: Yes Full
Beach: No
Construction: Frame
Electric: 200 Amps
Exterior: Clapboard
Exterior Features: Deck, Inground Pool, Sprinkler System, Fenced Yard
Flooring: Tile, Wall to Wall Carpet, Hardwood
Foundation Size: Irregular
Foundation Description: Poured Concrete
Hot Water: Natural Gas, Tankless
Insulation: Full
Interior Features: Central Vacuum, Security System, French Doors
Lot Description: Paved Drive
Roof Material: Asphalt/Fiberglass Shingles
Sewer and Water: City/Town Water, Private Sewerage
Waterfront: No
Other Property Info
Adult Community: No
Disclosure Declaration: No
Disclosures: Room sizes are approximate
Exclusions:
Home Own Assn:
HOA Mandatory:
Lead Paint: None
UFFI: Unknown Warranty Available: No
Year Built: 1993 Source: Public Record
Year Built Description: Approximate
Year Round:
Tax Information
Pin #:
Assessed: $526,700
Tax: $7105.18 Tax Year: 2010
Book: 5768 Page: 129
Cert:
Zoning Code: res
Map: Block: Lot:
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The information in this listing was gathered from third party sources including the seller and public records. MLS Property Information Network and its subscribers disclaim any and all representations or warranties as to the accuracy of this information. Content ©2010 MLS Property Information Network, Inc.
Putting Families First
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