joyce guidroz: Looking for the PERFECT Real Estate Professional?
- 08/11/08 04:24 AM
Buying a home can be one of life's most exciting experiences - and one of the most challenging. I can guide you through each step of the process and help you select a home that's right for you. I offer: Unsurpassed knowledge of the market area Access to over thousands of properties through the Multiple Listing Service Internet access Membership in a variety of Real Estate Associations Strong relationships with local lenders Knowledge of available financing programs I am a full-time realtor, dedicated to providing full-time service to all my clients. I am a life-long resident of the New Orleans Metropolitain area. … (0 comments)
joyce guidroz: Financing Solutions! Credit issues? Your lender can help
- 08/01/08 03:16 AM
We frequently hear we're supposed to regularly check our credit reports. And staying on top of this is especially important when starting to shop for a new home. There are three main credit bureaus: Equifax, Experian, and TransUnion. These bureaus store consumer credit histories by the millions, and hundreds of thousands of businesses tap these bureaus for their data about you. Unfortunately, mistakes can happen. Especially if you're not the only "Bob Johnson" or "Susan Smith" who lives in St. Louis. Let's say you receive a copy of your credit report and find a mistake-what do you do? What if there's … (0 comments)
joyce guidroz: HOME OWNERSHIP!
- 07/17/08 04:28 AM
There's nothing quite like purchasing your first home. You're on your own. You have a substantial financial investment. And now you're thinking of the tax breaks. Your largest tax write-off is probably going to be the interest you paid on your mortgage. This is a particularly valuable tax break in the early years of a home loan, when most of your monthly payments go toward interest charges. Just make sure you count all of it, whether it was paid to an institutional lender or it was a private loan. A common private home loan is one obtained through seller financing. Interest … (0 comments)
joyce guidroz: CREDIT SCORE!
- 07/10/08 08:03 AM
What Credit Score do your clients need ? 720-800 Superb! 700-719 Wonderful. You should get top rates. 680-699 Good. Good rates and good terms. 660-679 All right. Pay a little higher costs and rates. 640-659 Okay score if you have a good income. 620-639 Weak. You need a good income and good downpayment. 600-619 Poor. Use creative loan broker and pay more loan costs. 580-599 Almost impossible without large downpayment. Under 580 Work of fixing credit without delay Tips to Raise Credit Scores Reduce your credit card balances. Pay off small loans (car, student loans, etc) before making application for a house loan. Pay all your credit … (0 comments)
joyce guidroz: DO YOU KNOW!
- 07/07/08 03:48 AM
DO YOU KNOW? How much inventory is on the market and how to calculate the months on the market! Through calculation with the absorption rate you determine just how much in months of inventory. There is over $2 billion worth of inventory for the Southshore. Over $335 million on the Westbank with 7898 and 1560 units respectfully (active properties). We also determined that there were 641 properties sold in areas 1-85, and 141 40-55, (Westbank), specifically in the last 30 days. Divide 7898/641, and 1560/141, which equals 12.32 and 11.06. This tells us that there is over 12 months of inventory … (0 comments)
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