What YOU Need to Know About Your Credit Score – And how you can improve it! The Top 5 Credit Score Factors: Payment History: Even one missed payment can harm your score. Payment history accounts for 35% of your credit score! Credit Utilization: The total revolving credit you currently use is divided by the total of all your revolving credit limits. Credit utilization accounts for 30% of your credit score. Using MORE than 30% of your available credit is a negative sign to creditors. Credit History Length: The age of your oldest credit account, the age of your
Choose Outdoor over Indoor Activities Halloween is one of our last opportunities to take advantage of safer alternatives to indoor activities this season. Pumpkin patches, outdoor costume parades, reduced contact trick or treating are just a couple of ways to celebrate in the fresh air! Partaking in events like indoor costume parties and haunted houses can put you and other guests at risk. Plan for Social Distancing Keep activities between nuclear families and close relatives. If you are attending events, remain with your party and leave space between you and others. If you’d like to give away
Home Decorating for Fall! Bring in Light It’s getting dark quicker these days, making it feel much later than it actually is. Keep it light and cozy by adding a Pumpkin Spice candle or stringing up lights for a festive feel. Add a little extra glow to illuminate your space. Extra Blankets There is nothing like wrapping up in a warm blanket drinking cocoa by the fire. Surprise your guests with even MORE blankets. Wool, knitted, plaid, hand-stitched! The possibilities are endless. A simple rolled up blanket makes a cute addition to a guest
Revamp your home this fall! With the extra hours we’ve spending in our homes, try taking the time to make small yet impactful projects to improve your space! These are the easiest way to change things up and add a little liveliness back into your house. Organization While this may not be the most appealing of all our suggestions it is an amazing way to make your home more functional. By reducing the clutter everyone can enjoy the benefits! Indoor Garden Indoor plants are a great way to clean and purify the air in your home. Place them
Purchase Applications have risen to just over 0.4% in comparison to just a couple of weeks ago! According to the Mortgage Bankers Association, purchase applications are steadily increasing since the summer of 2019. With the Spring home buying market stunted by the global pandemic, we have seen a pickup in the Summer months of consumers either wanting to purchase a new home or refinancing to upgrade their current home. Mortgage rates’ record low standing has helped the purchase market and the refinance market! We are also seeing an increase in refinance applications, a positive trend to make the
Get Your Home Back To School Ready It’s that time of the year again! School is almost in session. Even though school may look a little different this year, preparing your home will set you and your kids up for a successful school year! Here are a few tips to help you get back into the swing of things: Invest in a family communication calendar – this helps everyone know what is going on. It can be as simple as getting a blank dry erase board that you hang in the kitchen or office area. Staying aware of
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