For Home Buyers: 5 Best Websites for Credit Score Information

If you’re planning to buy a home in the near future, you should know your FICO credit score. In fact, your credit score is one of the three most important factors considered by mortgage lenders (along with your debt and income levels). If your score is high, you’ll have a much better chance of getting approved for a loan. You’ll also qualify for a better interest rate, which could save you thousands of dollars over the life of the loan.

It’s important to check your FICO score early on in the home-buying process, because it takes time to improve a low score. While you’re entitled to a free credit report per year, you’ll have to pay a small fee for the credit score. They are two different things. You can purchase your score from — this is the company that actually designed the FICO scoring model.

But what if you check your score and find out that it’s low? You could qualify for certain types of loans with a score in 600 range, but you’ll be much better off in the mid- to upper-700 range. The question now becomes: How do I Improve my score? And that brings us to the purpose of this article.

5 Good Sources of Credit Information

Here are five websites worth visiting, if you want to learn more about your credit reports and scores:

  1. — We touched on this website earlier. This site is owned by the Fair Isaac Corporation, the company that created the credit-scoring model used by most lenders. They have plenty of educational articles, as well as a forum where you can post questions. It’s well worth a visit.
  2. — On this page, you’ll find a collection of more than 100 articles relating to consumer credit. This collection was compiled over a two-year period, as readers sent in their questions. If you have a question about credit reports and scores, you’ll find the answer on this site.
  3. — This website is jointly owned by the three credit-reporting companies (TransUnion, Equifax and Experian). This is where you should go to request your free reports. This is the only site that is regulated by the Federal Trade Commission.
  4. — Why do so many people offer “free” credit reports, and then try to charge you for stuff? It’s a marketing strategy referred to as bundling, and you can learn the truth about it on this website.
  5. — This site is a treasure trove of helpful advice. In addition to credit tips, it explains the mortgage process in great detail. Start with a keyword search, or click on the “news and advice” link.

Research is the first step to home-buying success. The five resources listed above will help you get started on the right foot.

Citation Note: The original version of this article was written by Brandon Cornett. Brandon is the publisher of the Home Buying Institute, which includes one of the largest libraries of mortgage advice for home buyers.

Popularity: 100% [?]

Negotiating Sale May Be Toughest Part

When you’ve found a buyer, the realtor can be the go between.

You don’t want to wait to consider it, so you need to complete the sale. To market and sell your home, financial negotiation should be a part of the plan.

When pricing your home, an appraisal is advised. Although that may be costly, it’s something the buyer will need to secure a loan and can be included as part of the sales price, if the lender is agreeable. It’s a good investment either way.

If the appraisal tells you about any flaws, fix them and try to get a higher price. Needing repairs will make the buyer haggle the price.

When pricing your home, you may need to set the figure at the appraised value if the housing market is particularly weak. You may can set your price slightly higher than the appraisal. Take notes on the benefits and features overlooked by the appraisal. You could include things about the school district, landscaping, and the neighborhood.

Try to find out the buyer’s motivation. Do not share yours. If you know what is motivating their purchase, you can emphasize how your home meets their needs.

Be prepared with your side of the argument. Practice presentation. These include saying they’ll need their attorney, parent, etc., to look over the property/agreement, constant picking for details, and trial offers such as “Would you take…” You should be better prepared than the buyer or his/her agent because you know your property. They will be talking about other homes and making assumptions.

The toughest part may be being prepared to walk away. If you’ve done your preparation, you know what your home is worth and what price you can accept. Be prepared to turn down any offers that are unacceptable, whether in price or terms. Any adjustments you make should be tolerable. If they are serious, they should change their mind, so don’t feel bad for turning down offers.

About the author: Susan Sullivan writes as a hobby and maintains websites featuring estee lauder perfume and gucci perfumes.

Popularity: 51% [?]

Remove stains from spills on your carpet easy

Removing Stains

There are many different products available on the marketplace that will help you to remove almost all types of stains. The ideal solution in minimizing or totally removing stains is by simply cleaning the spills and dirt the moment they crop up. Cleaning them up won’t even require you to leave your home just to rush out and buy the expensive types of cleaning products.

There are several ways to clean up stains simply by using products already available in your home which you use on a regular basis, such as detergents, rubbing alcohol, vinegar, lemon juice, etc. Its simply a matter of knowing how to use these common household products and the procedures involved to clean up stains. Below, you’ll find some tips on how to clean up pet stains and some other types of common carpet stains.

Pet stains

For your first option you can use one teaspoon of clear, household type ammonia to a half cup of cold water. You can use this solution in a spray bottle or utilise it to the carpet directly. It is very important not to wet the carpets backing when you apply the solution. later you have applied the solution, use paper towels to blot then allow it to dry completely.

As a second option you can use detergent made from hand soap or dish soap The combination is one quarter of a teaspoon detergent to one quart of water. You should always make sure the soap doesn’t contain bleach or lanolin.

The third and best option, is to use water, it can re-hydrate the stain to help with removal. Most types of pet stains can be cleaned up by using a steam cleaner. Once you have finished, be sure to dry the area as thoroughly as possible.

Ink stains

  • You can purchase isopropyl rubbing alcohol at your local department or grocery store.
  • You can apply it by pouring some onto a clean white towel or cloth. You can use paper towels as well, as long as they are white.
  • Using a clean cloth blot the stain from the center out toward the edge, change cloth as needed.
  • Make sure you be careful, because if the stain is small, you need to blot in one direction only so you don’t spread the stain.

Beer and wine stains

  • Create a mixture of white vinegar and water with a 1:1 ratio.
  • Apply the mixture to the stain using a spray bottle to impregnate. You should allow the stain to sit around ten to fifteen minutes.
  • Use a sponge and clean in a rubbing motion. Rinse the area with warm water.
  • Brush the carpet pile back into the instinctive direction it has.
  • By using layers of white paper towels, place paper towels on top of the area, then something with weight on the paper towels. Allow enough time for the paper towels to absorb the stain.

Popularity: 15% [?]

Cash for short sales??

Cash for Short Sales - CDPE

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Please read this report to learn the facts, and contact me to start exploring solutions.


Popularity: 6% [?]

The Hazards of Asbestos

The home buying process is an exciting time, but one that may bring additional responsibilities into your life. Having the assistance of an experienced and honest Connecticut real estate agent will make this process smooth and stress free. While the process of choosing a home is an exciting and rewarding time, additional repairs or renovations may be needed upon purchase. It is also a time where additional responsibilities will enter ones life.

Many older homes built prior to 1980 may still harvest obsolete and corrosive building materials which can create health concerns. Environmental efficiency is on the rise throughout the state because of technology and green building methods progressing rapidly.


Asbestos is a fibrous mineral that was utilized throughout the 20th century as an ideal form of insulation and piping in construction applications. Asbestos is often in old fireproofing, roofing, vinyl flooring, pipe and boiler insulation, and some roads and cement pipe and cement sheet products. Exposure to asbestos is easily avoidable by taking simple precautions.

Tips & Advice

It is not always an easy process to determine whether or not a particular insulation contains asbestos. If asbestos is located, it must be left un-touched until a professional can provide a course of action. In many situations, the best action is no action. Leaving it undisturbed is advisable as this will prevent its fibers from becoming airborne.

The Connecticut Department of Public Health administers an asbestos program that aims to reduce potential exposure to asbestos, including asbestos abatement and removal. This process should be undertaken by a licensed asbestos abatement contractor.

Asbestos exposure can lead to the development of a rare, but severe form of asbestos lung cancer known as mesothelioma. Current research indicates it can take as much as 20 to 50 years for this illness to develop. This makes accurate diagnosis a difficult task for physicians. Mesothelioma compensation has become tough to predict for victims and their families because diagnosis can take 20-50 years. For this reason, many people refer to it as a silent killer.

Going Green!

Green methods of building and construction have become a prominent aspect of Connecticut’s communities. Implementing green methods of building can have positive environmental, health and economic benefits. These include: Conservation of natural resources, enhance air quality, protect Eco systems, energy sustainability, increase property value, improve quality of life, improvement of pulmonary and cardiac health, Reduction of waste.

Green building is the consequence of a design that will increase energy efficiency, water and have a direct impact on your health and the environment. In a recent article published by Reuters, the green building movement has been steadily increasing. However, home owners feeling the financial crunch have been un-decided about going green because of fiscal reasons. Going green can and will have several positive economic benefits.

Cotton fiber, cellulose and lcynene, water based spray polyurethane foam are all viable replacements to asbestos. Cotton fiber is quickly becoming a favorite for home builders and renovators. Made from recycled batted material, it is also treated to be fireproof. Research has demonstrated that the use of Eco-friendly insulation alternatives can reduce annual energy costs by 25 percent. These green options have the same beneficial qualities as asbestos, minus the health deteriorating and toxic components.

Popularity: 7% [?]


-By your local Stamford Connecticut Real Estate Broker, Nicole Borsey at the Property Network

To Stage or not to Stage that is the question, and I’m telling you right now, Staging is the answer. Staging transforms your home into a house and then takes it from a house to a home for the potential buyer. Confused???  Read on…

When you first make the decision to sell your home, more times than not, you start with a good cleaning. You work your way from top to bottom. Anywhere from the basement to the garage, it all has to be spotless. Don’t get me wrong, a good cleaning is necessary, but you have to do more than just clean out the cob webs and dust balls under the couch. You have to clean the walls, patch nail holes, and start to set the stage.

Begin cleaning off the walls by taking down all of your family photos and touching up the holes with some spackle and paint. This leaves the potential buyer with a blank canvas effect. One or two neutral pictures on the wall will never hurt, but having all of the pictures from last year’s family reunion leaves your stamp. You don’t want that, you want the buyer to walk in and see themselves in the space. You want them to feel like they are at home. Their home, not yours!

Location, location, location! You must relocate any clutter. If your house has clutter in any rooms, clean it out! You want to maximize your room space. Clutter gives off the feeling that a room is smaller than it really is. It also leads the buyer to believe that the house lacks storage space. If you can’t bear to part with the items that are causing the clutter, then organize it. Buy bins and find a nice neat place to store your personal belongings for now, like a corner in the basement or the garage.

There are plenty of high traffic areas in your house and you want these clear too. Extra furniture and furnishings fill up a room quickly. You have to find your center and think Feng Shui. You want your rooms to flow and extra furniture and knick knacks can block that flow. You want to give the feel of open space in these high traffic areas. Otherwise, it can cut off your room and make it feel like the room is small and closed off.

We all have “good sides” and so does each room in your house. You want to show off all the “good sides” and highlight any special features. If there is a corner in your living room that is a cozy spot for reading, set it up for just that. Stage the space with a comfortable chair, a side table with a lamp and a place book on it as well. Make the buyer believe that is where you read every night. If you have a play room in the basement, set it up as an organized play area, with games and a few toys out. It’s all about showing off the potential of your home to buyers.

If you follow these few steps, you’ll transform your home (with your pictures, memories and clutter) to a house (full of potential for a new buyer). This in turn will open up your house to become the future home of someone else. Sounds simple, right???

Stamford Connecticut is the home of The Property Network. We want make Stamford your home too!

Popularity: 2% [?]

Is This a Legally Binding Contract???

Modern technology is a wonderful thing, creating easy “connectivity” between people all over the nation. But it’s also causing problems in many areas, and buying Stamford real estate is one of them.

Here’s the problem: Many people selling, for example, Stamford real estate may live in another city or state.

In this case, negotiations may be conducted over the phone, through email, via Yahoo conversations – some even use Twitter for real estate deals and information.

At the same time, this also means that legal documents may be passed through email, uploaded to a website for easy viewing or through any number of other online methods. PDF documents, for instance, have become a very popular way to pass on legal forms because they’re easy to fill out, don’t have to printed, etc. As the buyer, you can’t afford to take the seller’s word that they’ve accepted your position – especially through email. For instance, a buyer recently had a home sale fall through.

The seller accepted the terms through email, told the buyer that the seller had signed the contract and sent it on to the agent. Somehow, even though the buyer was positive the contract had been agreed upon, the house was sold to another buyer. Although laws change from state to state, it’s always best to have the contract in printed form, with an actual signature – in ink! Without the actual contract, all you have is an email. Although emails can be legally binding, they don’t hold a candle to having the printed and signed contract in hand.

Here are a few tips to make sure your housing purchase goes off without a hitch:

• Meet in person – This may be a difficult prospect, especially if the seller lives out of state. However, if you can’t meet them in person, their agent should at least be local. Meeting with the home seller’s legal representative (i.e. Real estate agent) is the next best thing.

• Get it in writing, and get it in print – Who wants to wait for the post office to deliver a paper contract when you can get it from an email? Well… you do. Yes, it might slow the process of buying a house and closing the deal, but so will having the seller back out.

• Verify the important points – Make sure you and the seller really do agree on the terms of the contract before you put your signature on it.

You, or preferably your buyer’s agent, should go over the contract with the seller’s agent who should go over it with the seller.

It’s a great time to buy Stamford real estate, but don’t let technology lose you the contract. Cross your t’s and dot your i’s – on paper!!! Trust me, I’m a geek and do EVERYTHING online!! You want to protect yourself!


If you’re looking to buy a home, I’ll make sure all those t’s are crossed and i’s are dotted for you. Call me at 203.667.0897 or email me at for more information.

Nicole Borsey, Broker/Owner

The Property Network

Popularity: 8% [?]

What do I need to be Pre-Approved for a Mortgage?

The following information is usually required during the loan process.


  • Your social security number


  • Bank statements for past two months
  • Investment account statements for past two months
  • Life insurance policy
  • Retirement account statements for past two months
  • Make/model of vehicles you own along with their resale value


  • Credit card account information, including balance & monthly payment
  • Auto loan account information, including balance & monthly payment
  • Personal loan account information, including balance & monthly payment


  • Current pay stubs and W2, or if self employed, past two years of tax returns

If you currently own Real Estate: (Refinance)

  • Mortgage account information, including balance & monthly payment
  • Home equity account information, including balance & monthly payment (if applicable)
  • Home insurance policy information

Popularity: 9% [?]

The Home Buyer Tax Credit, Explained.

The homebuyer tax credits will expire soon. If you want to take advantage of these tax credits, you must act now. The tax credits are available to buyers who sign purchase agreements on a new or existing primary residence between December 1, 2009, and April 30, 2010. Buyers have until June 30 to close on their new home.

In addition to offering the $8,000 first-time homebuyer tax credit, the new law also allows a $6,500 credit for repeat or move-up homebuyers who have lived in their primary residence for five years or more.

There is an $800,000 price limit on all homes eligible for the credit. The income limits for all buyers are $125,000 per year for individuals and $225,000 for married couples. The first-time homebuyer credit is available to those who have not owned a home in the previous three years. The credit does not have to be repaid unless the home is sold or ceases to be the primary residence within three years.

I’m committed to meeting your home-financing needs. Call me if you have any questions, or if you would like to get started on a loan application today!

The above content is for informational purposes only and should not be used as a substitute for consultation with a tax advisor. We are not a law firm, nor a CPA firm.

Popularity: 21% [?]