Christy Schleicher's (christysingleton) Blog

Scores can range between 200 and 800. Generally speaking and especially in the current market, scores above 620 are considered desirable for obtaining a mortgage. The following factors will affect your score.1. Your Payment History. Whether you paid credit card obligations on time etc...2. How Mu...

Credit scores, along with your overall income and debt, are a big factor in determining if you'll qualify for a loan and what loan terms you'll be able to qualify for. 1. Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else's poor financial...

A very brief description to help you identify a "Georgian" style home... They say Georgian style homes are befitting of a king. The reason...this style of home is named for four King Georges of England. Bet you didn't know that! Georgian homes feature paired chimneys and a decorative crown over t...

A very brief description to help you identify a "French Provincial" style home... Picture balance and symmetry, they are the ruling characteristics of this formal style. Often made of brick with detailing in copper or slate. In the original versions of this style, the windows and chimneys are sym...

A very brief description to help you identify an "Art Deco" style home or building...A decorative style of the late 1920's and1930's. Rarely used in residential buildings; it was more widespread in public and commercial buildings of that time. The distinct qualities of an art deco structures are ...

Foreclosure is a legal procedure in which property securing a defaulted loan is sold by the lender. This is done to pay the back payments owed and the remaining balance of the borrower's loan. The amount paid by a new buyer at the foreclosure may not cover the full outstanding loan amount, which ...

Mortgage escrow accounts guarantee that homeowners' property taxes, fire and hazard insurance premiums, mortgage insurance premiums, and other escrow items are paid in a timely fashion. The escrow ensures that there is enough money to pay these bills when they are due. This prevents the homeowner...

One of the biggest purchases a family will ever make is their home. Title Insurance protects purchasers from obtaining something that is not legal to purchase or that might have other debts attached to it.There are many situations that can surface. Governmental bodies, contractors, lenders, judgm...

If you own a home and want to buy a new home but don't yet have your first house sold, you have the option of putting a contingency offer on the home you are trying to buy. This means that the home you are trying to buy can be held while you try to get your current home sold.Contingency contracts...

Whether you are considering buying or selling a home, conduct a audit of property items. This could make all the difference in the world. Although not everything will require costly repairs, some just might, which is why it is important to be prepared. Before you head out to look at homes or put ...