7 Items To Provide your Lender with in Buying a Home.

So you have spent the last few years building up your credit score and saving money to purchase your first, maybe second home. Well with interest rates at a 15 year low at 3.65% with good credit and 5-10% down, plus home values less than they were 5 years ago, you are able to get more for your money in …

Interesting Facts About Recycling to Keep in Mind

In the past couple years, "green" building has evolved. Houses are more frequently equipped with energy-saving appliances and made of recycled products. This change has led to more environmentally friendly homes. Here are 11 interesting facts about recycling to keep in mind: The average American uses 650 pounds of paper each year. Americans use 2.5 million plastic bottles every hour. …

The Four C’s of Home Clean-Up

When figuring out how to prep your home for sale, sellers, let the four C’s of staging be your guide: clean, clutter-free, colorful, and creative. Clean: Using natural cleaners to get the house ready is better for people with allergies and creates less harmful chemical waste. Clutter-Free: Box up personal items such as photos and collectibles and instead show off …

Put a little in, get a lot more out

Having trouble selling your home? Maybe you should consider a remodeling project. Optimizing the use of space in your home will not only attract buyers but also give you a greater return as well. Out of all the remodeling projects you could pursue, try looking into one of these top five returns: Project Cost Resale Value % of Cost Recouped …

A Tidbit on Credit Scores

Most banks have requirements for a minimum credit score you have to have to get a home loan.  Different banks have different requirements, but you can usually count on needing at least a 620 credit score in order to secure financing.  Here are some tips to keeping that score up: Approximately 35% of your credit score is based on past …

Price it Right!!!

When listing your home, it is our job to help you price your home correctly.  We consider it a death nail to overprice a home.  Homes in the Greater Springfield area are on the market on an average of 83 days, almost 3 months!  While in the mean time, you are having to make payments, keep the utilities going, and …

There’s always a catch…

The United States Department of Agriculture (USDA) provides what they call a Rural Development loan that allows the borrower to get 100% financing on a home.  While this sounds like the incredible opportunity that it actually is, you need to be sure you know some of the set backs we have seen in obtaining these loans: The house must be …

Good Things Come to Those Who Wait

Heather & Todd had a beautiful home in Republic. Only married for a couple years, Todd made the decision to enlist in the Army and was shipped off to basic training. Once finished with training, Heather & Todd were going to move to North Carolina to start their new military life together at Fort Bragg. The couple tasked Team 24/7 …