Monday, September 28, 2009
Active Lifestyles
More and more adults are discovering the benefits of active lifestyles. Go to any park, fitness center, tennis facilty and so forth and you will see more baby boomers than ever adopting more healthy and active lifestyles. Today more than ever many homeowners are looking for ways to downsize the size of their home without sacrificing the quality and amenities they expect. Many builders are recognizing the desires of active adults and as a result low maintenance, quality throughout and custom feature neighborhoods are popping up more and more. The options are incredible and there are more features than ever to meet the demands of this group of adults as they enter a new phase in their lives. Wonderful communities featuring incredible homes which are smaller in size and require less maintenance for upkeeping are becoming more and more popular. People want to enjoy their free time enjoying many active lifestyles instead of feeling that the weekends were meant for cleaning house and doing yard work. We would love to help you transition to this type of lifestyle so give The Guilliams Team a call and let us introduce you to the number of options available to homeowners today.
Tuesday, September 15, 2009
Restoring Your Credit Scores
Life events can effect our credit drastically. We run into people everyday who had great credit at one time but now they find themselves in a situation where they cannot qualify for a home loan.
It does not take very long and a great credit score can go down quite quickly. Sometimes it is a job lay off (there are almost 7 million Americans drawing unemployment checks right now), an accident or an illness. These things many times come upon us without warning.
Many times people find themselves unprepared for these emegencies. The bills keep coming due every month and the income has been drastically reduced. Before long they start to fall behind and new lates begin to show up on their credit reports. We have seen one new late drop a credit score 100 ponts while the average is probably more like 30 to 40 points. The rest of the bad news is that it will effect their credit scores for at least two years.
Whether unexpected life events have lowered your scores or just bad past credit decisions there is a way back to healthy scores again. There are certain prinicipals, if followed, that will cause your scores to climb fairly rapidly. You can rebuild your credit file so that it will be healthy, assuring you of a much better interest rate.
If you would like to know how you can improve your current credit situation contact us at The Guilliams Team or at Credit Restoration Advice.
It does not take very long and a great credit score can go down quite quickly. Sometimes it is a job lay off (there are almost 7 million Americans drawing unemployment checks right now), an accident or an illness. These things many times come upon us without warning.
Many times people find themselves unprepared for these emegencies. The bills keep coming due every month and the income has been drastically reduced. Before long they start to fall behind and new lates begin to show up on their credit reports. We have seen one new late drop a credit score 100 ponts while the average is probably more like 30 to 40 points. The rest of the bad news is that it will effect their credit scores for at least two years.
Whether unexpected life events have lowered your scores or just bad past credit decisions there is a way back to healthy scores again. There are certain prinicipals, if followed, that will cause your scores to climb fairly rapidly. You can rebuild your credit file so that it will be healthy, assuring you of a much better interest rate.
If you would like to know how you can improve your current credit situation contact us at The Guilliams Team or at Credit Restoration Advice.
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