J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Five smart moves to improve your credit score for the best home loan – Yahoo Homes

Is your credit score a mystery to you? Well, it may be time to demystify that three-digit number, since a good credit score is a key factor in getting a better interest rate on your mortgage.

“Your credit score is the foundation of your financial health,” says Anthony Sprauve, senior consumer credit specialist for Fair Isaac Corporation FICO, an analytics software company and owner of the FICO Score.  The FICO score is a standard for measuring credit risk in the credit card, banking, retail, and mortgage industries.

Certain herbal extracts are found to be very viagra 50 mg pdxcommercial.com effective to increase your sex life. order viagra online pdxcommercial.com Spinal manipulative therapies are widely used by athletes and sports personnel to improve their exercise endurance, physical fitness and athletic performance. It india tadalafil online doesn’t work for every man with sexual difficulty. It is available in different doses as discount levitra no rx click for source well as flavours. With a high credit score, you can secure more credit as well as a cheaper interest rate on a mortgage, says Sprauve. So, it’s worth investing the time and energy to improve it.

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via Five smart moves to improve your credit score for the best home loan – Yahoo Homes.

3 Reasons to Sell Your Home this Spring

 

4.8 Visual

Many sellers are still hesitant about putting their house up for sale. Where are prices headed? Where are interest rates headed? These are all valid questions. However, there are several reasons to sell your home sooner rather than later. Here are three of those reasons.

1. Demand is about to skyrocket

Most people realize that the housing market is hottest from April through June. The most serious buyers are well aware of this and, for that reason, come out in early spring in order to beat the heavy competition. We also have a pent-up demand as many buyers pushed off their home search this winter because of extreme weather. Sellers in markets where seasonal weather is never an issue must realize that buyers relocating to their region will increase dramatically this spring as these purchasers finally decide to escape the freezing temperatures of the winters in the north.

These buyers are ready, willing and able to buy…and are in the market right now!

2. There Is Less Competition – For Now

Housing supply always grows from the spring through the early summer. Also, there has been a growing desire for many homeowners to move as they were unable to sell over the last few years because of a negative equity situation. Homeowners have seen a return to positive equity as prices increased over the last eighteen months. Many of these homes will be coming to the market in the near future.

The choices buyers have will continue to increase over the next few months. Don’t wait until all the other potential sellers in your market put their homes up for sale.

3. There Will Never Be a Better Time to Move-Up

If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by approximately 4% this year and 8% by the end of 2015. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30 year housing expense with an interest rate at about 4.5% right now. Freddie Mac projects rates to be 5.1% by this time next year and 5.7% by the fourth quarter of 2015.

Moving up to a new home will be less expensive this spring than later this year or next year.

 

J. Scott Harris has been one DFW’s top Mortgage Experts for over 20 years. His team of Loan Officers can solve problems and APPROVE loans that other Lenders cannot or will not work hard enough for.
Contact us immediately at 214 435 8825

J. Scott Harris Vice President – NMLS #375517
Gold Financial Services, Inc.

5055 Keller Springs Road, Suite 500
Addison, TX 75001

24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Email Me Now

Gold Financial Services a Division of AMCAP Mortgage, Ltd. NMLS # 129122

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Mortgage News: Is the CFPB hurting the economy?

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via Mortgage News: Is the CFPB hurting the economy?.

What Contingency Should Your Home Purchase Offer Have? – Buy – realtor.com

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via What Contingency Should Your Home Purchase Offer Have? – Buy – realtor.com.

Wanna effectively serve Generation Next homebuyers? Learn to speak ‘digital’ | Inman News

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via Wanna effectively serve Generation Next homebuyers? Learn to speak ‘digital’ | Inman News.

New program aims to “make Texans homeowners for life” | 2014-04-07 | HousingWire

For many first-time homebuyers, the process can seem daunting and overwhelming. The search for a home, the mortgage application process and mountains of paperwork can be exhausting and nerve-wracking.There are homeowner education programs, but many buyers don’t know they exist. The Texas Association of
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Realtors and the Texas State Affordable Housing Corp. have joined together to ensure that Texas residents have an outlet to learn more about buying a home and potentially remove some anxiety from the home buying process. The two organizations have partnered to launch “Get Ready Texas: Making Texans Homeowners for Life”.

via New program aims to “make Texans homeowners for life” | 2014-04-07 | HousingWire.

Technology can’t do real estate the way agents, brokers and loan officers do: Focus on the human connection | Inman News

The human connection matters.
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Computers are a wonderful tool that we use every day. Whether it be your old-school desktop or your tablet, they are a huge part of our lives and no one can deny that. In many industries, computers have already taken a human’s position. The automobile industry is the first one that comes to mind, and we all know how that has affected an industry.

via Technology can’t do real estate the way agents, brokers and loan officers do: Focus on the human connection | Inman News.

12 Home Deductions to Help Shrink Your Tax Bill | Trulia Tips

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via 12 Home Deductions to Help Shrink Your Tax Bill | Trulia Tips.

30 Relatively Simple Things That Will Make Your Home Extremely Awesome.

 

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Hispanic Millennials & Housing | Keeping Current Matters

More on Millenials!

Nielsen recently released their report “Millennials – Breaking the Myths” and today I want to focus on the information reported about Hispanic Millennials.
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Of the 77 million Millennials, 19% are Hispanic. This group (age 18-36) is the most racially and ethnically diverse than any previous generation. According to this report, Nielsen expects the Hispanic population to grow by 167% by 2050.

via Hispanic Millennials & Housing | Keeping Current Matters.