Sarasota Real Estate Real Estate Blog

What Caused My Credit Score To Drop?

Few things are as frustrating as an unexpected credit score drop when you are working so hard to achieve your home-buying dream. Fortunately, while many factors can negatively affect your credit score, most are easily remedied and your credit score can begin its upward momentum once again.

Late Payments

Credit accounts report late payments to credit bureaus, so late payments on any of your loans or credit cards will be reflected in your credit score. Paying even the minimum payment on time will help prevent negative marks from late payments. In the case of loans, if you cannot make the full payment, talk to the lender to see if you can make a smaller payment rather than paying late. Most are understanding of life’s circumstances and are willing to work with you.

Using Too Much Credit...

Things To Do Before You Sell Your Home

Helping your home sell faster

Choosing to sell your home is one of the biggest decisions you will make. Whether you are selling your starter home and moving up, or selling your dream home to downsize, how quickly you sell your home depends on several variables. Consider the tips below when you list your home, and you may be packing boxes sooner than you think.

The Right Price

The first and perhaps most important aspect of selling your home is to price it right. Conduct your own research to find out how much comparable homes cost and have sold for in your neighborhood. These homes are called 'comps', and they will provide the best guidelines for pricing. When you consider the comps, try to think from the perspective...

7 Steps to Buying a Home

Buying a home is one of the most important financial decisions in anyone’s life. Perhaps you are getting ready to start a family. Perhaps you are upgrading from your first home. Or perhaps you just want to make an investment. Whatever circumstances surround your purchase of a property, there are crucial steps to be followed to ensure you get the place that that suits your style, budget, and needs. Making certain that you do everything correctly can make the whole process much less of a hassle. Have a look at the seven steps to buying a home:

1. Figure out your finances

This is a vital first step. You must determine how much house you can afford. Get an idea of what kind of down payment you can make. Keep in mind that it is highly advised to pay 20 percent up-front for a home in order to avoid private mortgage insurance (PMI).Be...

7 Home Improvements To Help Sell Your Home

Home Improvement tips to sell your home

Once you decide to sell your house, invest a little time and money in a quick makeover. Here's a list of easy and inexpensive do-it-yourself improvements that will make your home more attractive to buyers. Each of these quick fixes makes the house look less like your old, lived-in domicile and more like a new house waiting for a new owner.

1. Clean the House Top to Bottom

A new house is spotless; an old house is full of the dirt, smudges and scuffs that lived-in homes accumulate. No one wants to inherit a record of your kids' heights, even if the wall they're marked on is in the closet. Wipe them away. Sweep away the spider webs, wash the windows inside and out, clean every surface and pay special attention to corners. Your...