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Keeping Your Credit On Track

Credit Tips with Carl Scarramuzza

Carl Scarramuzza of Credit Blueprint (with locations in Philadelphia and King of Prussia) sat down with EveryHome to help answer a few questions about keeping your credit score in check:

credit

Q: Who is in need of a credit repair company?

A: Anybody that does not meet the minimum requirement of 640 FICO score. Some of our clients have missed payments in the past and are back on track now and ready to work on fixing the past problems. Other clients are a case of mistaken identity and might have a common last name in which inaccurate items can show up on their credit reports. Then you have the clients that maybe just need an education on credit considering there are no courses for it in high school or college these days.
Q: What does a credit repair company do? What will they ask me to do?
Credit Blueprint assists clients increase their credit scores in order to help them qualify for a mortgage in 90 days. We offer a Money Back Guarantee of 50 points in that timeframe or you get a full refund! We do 80% of the work for the client and work on their behalf with the credit bureaus to ensure the reporting of their accounts. We will also ask them not to do anything counter productive and continue to make their payments in a timely manner. Part of our program is a credit strategy where will might ask to client to follow a simple strategy over 90 days to maximize the results.
Questions? Be sure to reach out to Carl at carl@creditblueprint.net


 

EveryHome is Thankful For…

What EveryHome is Thankful For

There is a lot to be thankful for this year and here are a few things EveryHome is thankful for.

1. EveryHome continues to grow and we have been lucky to add a lot of incredible new agents to our team this year! EveryHome is thankful for the opportunity to offer real estate services to a greater portion of the region, and we would love to introduce you to our friendly hometown agents.

everyhome is thankful

2. The local real estate market has seen increasing home values (great for sellers!) and continued low mortgage rates (great for buyers!).

3. With an optimistic forecast for the job market, we hope to see more folks in a financial position to achieve homeownership.

4. Homes are selling faster this year than they did last year. The Philadelphia area is also selling more quickly than the nation as a whole, at an average of 91 days on the market. And if you’re interested in selling, don’t forget that we’re offering a special — we’re listing for a total commission of just 4% if you list your home between now and the end of the year!


 

Construction Homes Begin to Get Smaller

New Construction Homes Getting Smaller?

The median size of new construction homes is decreasing, according to recent according to the Commerce Department. The size of new homes has steadily increased during this past decade, and the recent shift has prompted experts to speculate a rise in affordability and a return of first-time home buyers.

construction homes

New construction homes have slowly climbed to a median size of 2,472 square feet in the second quarter of this year. Recently published third quarter data is reporting a nearly unprecedented decrease, with a median size of 2414 square feet — down 2.3%.

The Commerce Department also reported a 4.2% year-over-year increase in new construction starts for single-family homes. This growth can be largely attributed to entry-level buyers, who are attracted by the increasing affordability of new homes.


The Best Time of Year to Buy A Beach House

Should You Buy A Beach House?

Is this weather making you dream about purchasing a beach house? It’s the very best time of the year to purchase a vacation home!
While vacation home prices have increased a bit this past year, they are still considered historically low…but there are a few things to consider. Experts recommend buying a vacation home for recreational reasons and NOT investment. While you can make a nice rental income, it won’t always pay for the cost of the home. Instead, think of yourself as the number one renter!
Additionally, maintenance & insurance can be a bit higher than your primary home in the suburbs (sometimes this can be offset by lower taxes—ask your agent for specifics).

beach house

Some of the most popular beach house areas? Three local beach spots make Marketwatch’s top ten: Ocean City, Maryland at #4, North Wildwood at #2, and Ocean City, New Jersey at #1. That’s right, OCNJ claimed the national number one spot! But with a median home price of $525,000, OCNJ isn’t always the most affordable. That award goes to its neighbor in North Wildwood—you can find a nice home near the beach for $200k!
We’re lucky to have some great agents in New Jersey, and a few of them have vacation homes in some of these areas. If you’re interested in a vacation home, give us a call at 215 699-5555. We’d love to welcome you to the neighborhood!

 

Home Inspection 101

Home Inspection 101

Once your new home is under contract (congratulations!!), you’ll likely begin arranging for a home inspection. Typically, most agreements require a home to be inspected within ten days of the execution date.

Your EveryHome agent will provide you with a list of a few local home inspection companies, and it’s your choice which inspector to use. We recommend choosing an inspector that is ASHI certified. Once you choose the home inspector, your agent will assist you with scheduling a date for the home to be inspected. Typically, inspectors work during business hours although some offer evening and Saturday hours.

home inspection 101

If possible, we recommend that you (the buyer) attend the home inspection. This will allow for the inspector to answer any questions that you may have, and he or she may be able to answer questions that you may not find on the inspection report. Whether or not you attend the inspection, the inspector will provide you with a comprehensive report within a couple days of the inspection. You and your agent will review this report and decide if you’d like to request the seller to make any repairs prior to settlement. In case there are any major issues and the seller is unwilling to make the repairs, you are entitled to “walk away” from the contract if you elected a home inspection contingency.

As always, your EveryHome agent will be happy to answer any questions that you may have!


Home Maintenance Checklist for Chilly Weather

Home Maintenance Checklist

Can you believe its mid-November already? With winter just around the corner, it’s a great time of year to begin getting your home maintenance checklist ready. Here’s what’s on our home maintenance checklist for the season:

home maintenance checklist
1. Gutters! Hose out your gutters so that rain can properly drain. Clogged gutters = potential ice dams and leakages.
2. Schedule an appointment to clean and tune your furnace to ensure that your home will be nice and cozy before the coldest temperatures arrive.
3. Reverse your ceiling fan. By reversing their direction, the fans will push warm air downward and force it to recirculate. (You can tell it’s ready for winter if the blades are turning clockwise as you look up).
4. Wrap the pipes! Check the unheated areas of your home and keep those pipes snug in foam rubber sleeves available at Lowe’s.

 

 

Home Decor Inspiration

Our Favorite Sites for Home Decor Inspiration

We’ll admit it. We’re a little bit obsessed with home decor blogs. And we’d love to share with you our four favorites (in no particular order):
www.bowerpowerblog.com Just outside of Atlanta, the Bower family has created a truly awe-inspiring photo journey of the before-and-after’s of their dream home. Bower Power was also recognized by apartmenttherapy.com as the best home blog of 2012!
home decor

www.houseofsmiths.com

www.thehouseofsmiths.com Shelley Smith is the type of woman who reminds you of your best friend. She describes her home decor as upbeat, airy, and fresh (we couldn’t agree more!) and her DIY projects are always budget-friendly and beautiful.
www.iheartorganizing.blogspot.com You can probably tell by the name, but Jennifer Jones is organized. Really organized. Her helpful tips and project ideas will help to maximize your space, and the pictures of her immaculate home are beyond inspiring!
www.honeywerehome.blogspot.com I first started reading Megan’s blog when I caught a glimpse of her swoon-worthy closet on Pinterest (seriously, check it out!), and became hooked right away. Honey We’re Home features a few splurges, but her gorgeous home is worth every penny!

 

 

Operation Christmas Child at EveryHome

EveryHome helps with Operation Christmas Child

Can you believe that more than 100 million boys and girls around the world have received shoeboxes filled with goodies from good Samaritans like you? Since 1993, Operation Christmas Child has been collecting and distributing shoeboxes filled with simple gifts for children on Christmas day, and National Collection Week for these boxes is November 17-24!

operation christmas child

Photos from EveryHome’s Operation Christmas Child 2013

operation christmas child

The task is simple: dig out a shoebox from your closet and pack it with a few gifts that will delight a child on Christmas morning! After you select a gender and age group (details on their website), the fun part begins! Stuff your box with a few fun things such as dolls, toy trucks, stuffed animals and jump ropes, and consider adding a few hygiene items (toothbrushes, soap) and school supplies. Once your box is filled, drop it off at one of the designated local spots.
EveryHome is excited to be hosting a “packing party” next Wednesday, with many of our hometown agents shopping and wrapping for some very deserving kids around the world. Be sure to keep updated on our Facebook page to see how we do this year!
http://www.samaritanspurse.org/what-we-do/operation-christmas-child/

 

Baby Boomers : Will They Sell Their Homes?

When Will The Baby Boomers Sell?

Baby Boomers won’t be moving out of their homes when they retire, according to a recent study by non-profit Demand Institute. A historically high percentage (63%) of Baby Boomers plan to continue living in their current home, instead of selling and moving to a warmer location or downsizing to a condo.

baby boomers

For Sale! 1110 Vilsmeier Rd, Lansdale PA

Why aren’t Boomers interested in selling? The recession is being blamed for much of it. The average household net worth for a 50-69 year old is just $143,000 — down from $200,000 in 2007 according to the Federal Reserve. Additionally, Boomers are carrying more mortgage debt than years past.

If you’re interested in selling (at any age!), don’t forget that EveryHome lists for a total commission of just 4.5%. We’ll help you keep more when you sell!


Security Options on A Budget

Protect Your Investment : Home Security On A Budget

Whether you live in a castle or a condo, there are plenty of reasons to want added security for your home and family. No matter your budget, there are home alarm systems and added security features that can be added easily and affordably to your biggest investment.
1. One of the most inexpensive and technologically-savvy options is to install a lock on your door that you can operate and patrol wirelessly from your smartphone. Perfect for houseguests, cleaning services, and maintenance workers, you can lock & unlock your door with an app on your phone. Check out Schlage’s Link Series if you’re interested, starting at just $300.

security
Schlage’s Link Series System

2. Starting at just $100, DIY home alarm systems are becoming more and more popular. With no monthly maintenance or installation fees, these options are affordable and most reviewers even say they’re easy to set up! The average DIY security system with a base station (with buttons to call police and fire department), door sensors, window sensors, and motion sensors will run you about $300.
3. It may be common sense, but exterior motion-detecting lights are one of the best preventative measures to ward off would-be burglars. Fake cameras are also effective for folks on a budget, according to the DIY Network.
4. If your budget allows it, a monitored system provided by professionals may be the most secure option. ADT may be the most popular, but there are many local and reputable companies, too! Systems can be tailored to the elderly, families with young children, families with pets, and more. Since these companies typically charge monthly fees, installation charges tend to be minimal.

 

Home Buyer Demand Increasing

Pending home sales grew slightly in the month of September for the first year-over-year gain since July 2013. Experts speculate that the recent home buyer demand is increasing from the recent economic momentum and, namely, the labor market.

home buyer demand

Under Contract! Recent reports indicate that home buyer demand has strengthened.

October’s jobless claims remained under 300,000 — the lowest number since June 2000! Similarly, consumer confidence and consumer sentiment are at seven-year highs, according to Realtor.com.


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EveryHome Realty is licensed by the Pennsylvania Real Estate Commission (license RB066839) and the New Jersey Real Estate Commission (license 0901599)