5 Factors That Decide Your Credit Score
Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history. 2. How much you owe. If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a...
Read More4 Steps to Take Before Buying a Home
If you are considering buying a home, there are 4 crucial elements you must have in place before taking the first steps toward homeownership. Whether you are a first-time home buyer or moving up to a new home, plan for your move by preparing for the following: 1. Create a budget. Home buyers need to have enough money to cover monthly mortgage payments comfortably. Properly budgeting your monthly finances is a must before taking any of the first steps towards finding and moving into a new...
Read More8 Tips to GuideYour Home Search
1. Research before you look. Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you’d be willing to spend each month for housing. 2. Be realistic. It’s OK to be picky, but don’t be unrealistic with your expectations. There’s no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property. 3. Get your finances in order. Review your credit report and be sure you have enough money to cover your down...
Read MoreFirst Time Home Buyer Guide
Shopping for and purchasing your first home is an exciting time, but before you begin looking, make sure you’re completely prepared and know what to expect. The following steps will help get you ready to make that big purchase. Step 1: Freshen up your Finances. Before you dive into the exciting part of home-buying—the search!—make sure you have all your ducks in a row. “Figuring out your finances and crunching some numbers will allow you to set a realistic budget,” says Alexis...
Read MoreWhy Buy New Home Construction?
When you are in the market for a new home, you may be going back and forth about whether to buy a newly constructed home or a pre-owned home. What are some of the benefits of newer homes? Advantages of New Construction New homes have always had the advantage of modern amenities. The same can be said of today’s energy efficient homes. Thanks to improved building codes and the evolution of green technologies, today’s new homes are far more efficient than homes built just ten years ago. Energy...
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A consummate professional, Alexis takes the time to listen carefully to her clients’ unique needs, then uses her extensive market knowledge and analytical skills to develop an effective plan of action that gets desirable results. Recognizing that every client has different goals, Alexis looks forward to exceeding expectations and helping you achieve success.