Wow, the world of credit these days.  I must confess that there are times that the rules of what raises and lowers your credit score baffles me.  The one thing I am certain of is that you should guard your credit score with righteous fervor, at least until you win the lottery and can afford to buy everything with cash.  Your credit is part of your buying power.  This active guardianship is even more important once you are in the process of buying a home.  

Leading nationwide credit expert and President of Credit Resource Corporation, Linda Ferrari, developed the top 10 credit "don'ts" during the loan process, to help you get your arms around those things that can unknowingly wreak havoc on your loan transaction.

1. Don't do anything that will cause a red flag to be raised by the scoring system
2. Don't apply for new credit of any kind
3. Don't pay off collections or charge offs
4. Don't max out or over charge on your credit card accounts
5. Don't consolidate your debt onto 1 or 2 credit cards
6. Don't close credit card accounts
7. Don't pay late
8. Don't allow any accounts to run past due-even one day!
9. Don't dispute anything on your credit report
10. Don't lose contact with your mortgage and real estate professionals

 

If you have a home anywhere in the Memphis area and would like to get more information about selling your home, please contact me for a free home evaluation. 

I also work with buyers.  If you are interested in more information about buying a home please contact me and I would be glad to meet with you or email you a list of homes.

 

Scott and Dana Carrier

Keller Williams Realty

901-219-8552

scott@carrierteamrealty.com

www.CarrierTeamRealty.com

 

Johnson Park is a great place to spend time off with the family. The park offers a water park, soccer fields, baseball fields, fishing, walking trails and 2 wonderful playgrouds. Oh, and the nature trail which leads to the Wolf River is awesome. It's a wooden contructed trail that puts you close to nature but without having to worry about the creepy critters on the ground!! Our daughters appreciate this!! Son, not so much!! This is one of several parks in the area, but this is our favorite. If you have any questions about the area please call or email anytime. We love Collierville, TN and hope you will as well!

Here are some recent pics.

 

 

 

 

 

 

 

 

 

If you would like more pics of this park or other areas of Collierville, please let us know and we'll send right away.

 

Scott and Dana Carrier

Keller Williams Realty

901-219-8552

Check out this site to get a Free "Market Snapshot" of your home or of a home that you're interested in. Just enter the address and a detailed report will be emailed to you right away. It's Free, really! We provide this free service to the public with hope that you will see that we care and that we are true professionals when it comes to Real Estate and helping our clients get from A to B with as little stress as possible!

www.MyMemphisHomeValue.com

Visit this site for a free "Market Snapshot" of your home or of a home you're interested in, it's easy and the report is very informative:

www.ColliervilleHomeValues.com

If your one of those buyers that have been waiting for the perfect time to buy a home, Then Guess What!!?? This is the time. I would love for you to call me to purchase your home, but whatever you do, just buy a home and start enjoying it. Thinkin about it too much and worrying about every little article you read about a bad market, will keep you from taking advantage of a good thing. We have been in a sellers market for the past 3 years and now homes are sitting longer then normal. Rates are still low + inventory is up= a good deal for you is waiting!

Collierville, TN real estate for sale is comprised primarily of modern, upscale properties. Prices for single-family homes for sale range from the mid-$100,000s to over $1 million, with the average home value being about $345,000. Special features include vast estates with acreage, golf course homes and new home subdivisions. Homes are predominantly traditional in style, with peaked roofs and two stories. Lot real estate is characteristically large, (1/3 - 1/2 acre), adding to the feel of open space. Undeveloped real estate lots range from less than 1 acre up to hundreds of acres. A small selection of garden-style or townhome real estate begins in the $240,000s. If you are thinking of buying or selling your home, just give us a call or email. Then, top real estate agents Scott & Dana Carrier will provide you with any information or assistance with your home.