Saturday, September 26, 2009
Downsizing for Active Adults
Today we are seeing more and more people looking to downsize at earlier ages. Used to be when people wanted to downsize it was in preparation for retirement. Not the case any more. Today many people are starting out in larger size homes and once the kids leave the nest people are looking to move to smaller homes and enjoy another phase of their lives. The downsizing is also having an effect of folks that want to spend more time enjoying leisurely activities and less time on maintenance and upkeep of a home. Wonderful options are available on the market for people looking to downsize and whether you are looking for a smaller home or a community with smaller homes and active lifestyles there are so many options to meet every need. We would love to meet with you and learn what your downsizing wish list includes and we know we can find the perfect scenario for you. Give The Guilliams Team a call today and let us show you how downsizing is often the best rightsizing option.
Tuesday, September 15, 2009
Understanding your credit scores
Life events can effect our credit drastically. We run into people everyday who had great credit at one time but now they find themselves in a situation where they cannot qualify for a home loan.
It does not take very long and a great credit score can go down quite quickly. Sometimes it is a job lay off (there are almost 7 million Americans drawing unemployment checks right now), an accident or an illness. These things many times come upon us without warning.
Many times people find themselves unprepared for these emegencies. The bills keep coming due every month and the income has been drastically reduced. Before long they start to fall behind and new lates begin to show up on their credit reports. We have seen one new late drop a credit score 100 ponts while the average is probably more like 30 to 40 points. The rest of the bad news is that it will effect their credit scores for at least two years.
Whether unexpected life events have lowered your scores or just bad past credit decisions there is a way back to healthy scores again. There are certain prinicipals, if followed, that will cause your scores to climb fairly rapidly. You can rebuild your credit file so that it will be healthy, assuring you of a much better interest rate.
If you would like to know how you can improve your current credit situation contact us at The Guilliams Team or at Credit Restoration Advice.
It does not take very long and a great credit score can go down quite quickly. Sometimes it is a job lay off (there are almost 7 million Americans drawing unemployment checks right now), an accident or an illness. These things many times come upon us without warning.
Many times people find themselves unprepared for these emegencies. The bills keep coming due every month and the income has been drastically reduced. Before long they start to fall behind and new lates begin to show up on their credit reports. We have seen one new late drop a credit score 100 ponts while the average is probably more like 30 to 40 points. The rest of the bad news is that it will effect their credit scores for at least two years.
Whether unexpected life events have lowered your scores or just bad past credit decisions there is a way back to healthy scores again. There are certain prinicipals, if followed, that will cause your scores to climb fairly rapidly. You can rebuild your credit file so that it will be healthy, assuring you of a much better interest rate.
If you would like to know how you can improve your current credit situation contact us at The Guilliams Team or at Credit Restoration Advice.
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