September 3, 2010
- Credit Card Limit Reduced? What Happens To Your FICO Score?
About 1/3 of your FICO score is based on how much of your available credit you are using. This is called your "credit utilization".
The higher your utilization rate… the lower your credit score. The credit scoring models view this as you getting closer to maxing out your credit lines and becoming a higher risk.
If your [...]
September 2, 2010
- Pointers When Buying a Home
Buying a home is an expensive proposition, regardless of your financial situation, so we want to give you a few pointers to keep in mind when buying your next home.
Your first step is to save for the down payment. The more money you are able to put down, the greater your chances of being able [...]
September 1, 2010
- Real Estate News - September 2010
Our September 2010 Ventura County Real Estate Newsletter is now online…
Read It Here Now!
August 31, 2010
- 4 Cheap Mosquito Repellants
Here are four inexpensive ways to keep your yard mosquito free during these "dog days of summer."
Know of any other "home remedies" or inexpensive ideas for warding off pesky mosquitos? We'd love to hear about them. Just use the comment link below to sound off about it.
August 30, 2010
- Should You Rent or Buy a Home?
Home ownership is a big step, and many people worry whether they're ready to take it on. If you currently rent your house, you may wonder if you can even afford to buy a home. Just looking at real estate listings online or in the Sunday paper can make you break out in a cold [...]
August 29, 2010
- Choosing the Perfect Outdoor Living Space
Decks and patios not only provide a space for outdoor entertaining, they can also increase your home’s curb or external appeal. But before you start construction, spend some time thinking about what you're looking for in an outdoor space. The wrong deck or patio can become unused space and an eyesore. The good news is, [...]
August 28, 2010
- Fed Unveils Slew of Mortgage Rules
The Federal Reserve recently unveiled a slew of rules aimed at protecting consumers from abusive lending practices blamed for luring millions into unaffordable home loans.
The rules include a ban on yield-spread premiums, controversial payments that mortgage brokers have historically received in exchange for guiding consumers toward higher-interest rate mortgages. “This will prevent loan originators from [...]
August 27, 2010
- Ways to Clean Up Your Credit History
Your credit history is more important than ever. But do you know how to clean it up and keep it looking good?
Have questions or comments? Use the comment link below and sound off. Remember, your email address will NEVER be published with your comments for your protection and privacy.
August 26, 2010
- 3 Ways to Raise Your Credit Score Fast
Having a high credit score is super-important, especially if you plan on borrowing money soon. But how can you improve it?
August 25, 2010
- Loan Modification Plan Can Save Your Home
Millions of people have found themselves facing foreclosure since the economic climate has shifted so rapidly over the past couple of years. Thanks to President Obama’s Federal Loan Modification Plan, however, thousands of people are starting to see themselves having some new hope that they may be able to keep their home. This loan modification [...]
August 24, 2010
- Do’s And Don’ts When Buying A New Home
Before you start shopping for a new home, it is important to be aware of the essential tasks that must be taken in order to make sure you get the home of your dreams at a price you can afford. To make buying a home easier, below is a list of the do’s and don’ts [...]
August 23, 2010
- 3 Tips to Avoid Credit Card Scams
Criminals recently ripped off $10 million dollars from American credit cards… Yours could have been one of them.
Been ripped off by a credit card scam? We'd love to hear about it and what you did to get your money back. Just click the comment link and share your story.
August 22, 2010
- Real Estate Taxes Are Rising
The property tax burden for residential property owners has not kept up with the present slide and erosion of market values. Everyday commercial businesses are failing and have little or no assets that make up the tangible personal property taxes and real property tax base. State and local tax collectors have lost revenue due to [...]
August 21, 2010
- Housing Construction Rises in July
A weak housing market received a tiny boost from apartment construction last month. But the overall outlook remained dim as applications for building permits fell to the lowest level in 14 months.
Construction of new homes and apartments rose 1.7 percent last month, according to the Commerce Department. Driving the increase was a 32.6 percent surge [...]
August 20, 2010
- Designing a Eco-Friendly Kitchen
Thinking of remodeling your kitchen? Many remodelers are going green. Here are some ideas you might want to consider for your eco-friendly kitchen.
We welcome your comments, and remind you that email addresses will NEVER be published at our site, so comment without worrying about your email address showing up here.
August 19, 2010
- Buying a Home is More Affordable Now
Families that have steered cleared of the housing market may want to reconsider their decision to rent instead of own.
A new report from the federal government indicates that U.S. homes are the most affordable they have been in 10 years. The Obama administration's Housing Scorecard found that a combination of record low interest rates and [...]
August 18, 2010
- Borrowing Equity in Your House to Consolidate Debt
Like many people these days, you may be having problems with your monthly bills. As economic times get hard, interest rates rise. This makes your credit card payments go up. Not only do the payments rise, but you pay less on your balance. This makes it much harder to pay them off. What was once [...]
August 17, 2010
- How to Sell Your House
You've heard it said, the most important three things in real estate are "location, location, location." That's not entirely true if you're trying to sell your home. Instead, the most important aspect when selling your home is PRICE. If you really want to know how to sell your home, the answer is short and simple: [...]
August 16, 2010
- Pending Home Sales Ease in Post-Tax Credit Market
Pending home sales edged down with near-term sales expected to be notably lower in contrasts to the spring surge when buyers rushed to take advantage of the home buyer tax credit.
Questions or comments? Use the comment link below to contact us. Even though your email address is required to comment, it will NEVER be published [...]
August 15, 2010
- 5 Easy Ways to Save $1,000
How you can easily save an extra $1000 in time for the holidays.
Have more ideas on ways to save money so you'll have more come holiday time? We'd love to hear your ideas. Just click the comment link below and tell us about it.
