Posted May 2013:
Just like a top football, basketball, or hockey player is drafted based on their stats, your credit score is used to determine your financial fitness. Because it measures your
ability to repay loans, creditors use it to decide how much interest
you’ll pay when you borrow money.
Improving your credit score may help you get approved for a mortgage, lower the interest rate you’re offered on a refinance, and reduce your insurance premiums.
Try these four tips from BMO Harris Bank to improve your credit score:
- Pay on time. Paying on time every time may boost
your score if you have missed payments in the past. If you need help
paying on time, enroll in automatic bill payment programs.
- Reduce your debt-to-credit ratio. Pay down your
credit cards until you are using only 50% of your available credit. That
will improve your debt-to-credit ratio, which can boost your credit
- Use more than one type of credit. In addition to
your mortgage, open credit card accounts. Having both types of credit in
your credit history can improve your credit score.
- Stick with the accounts you already have. Opening
new accounts just to increase available credit means new inquiries on
your credit report, which may lower your score. Avoid closing accounts
you already have, which can negatively affect your debt-to-credit ratio
and credit history — both of which rating agencies use to calculate your
Posted April 2013:
Social Networking - Here are some truths to keep in mind:
"*The foundations of relationships haven't changed. They're the same as they were before social media and the Web were created. Quality relationships will always require time and effort. There is no way to "like" your way to trust.
*Simplicity works better than complexity. And simplicity is far more difficult to achieve than complexity. Simple is different than simplistic. Simplistic is superficial. Simple runs deep. It requires you to have an understanding of what people want and delivering it to them in ways that are easy to understand and elegant to experience.
*People are inundated with information. That means you can provide value by giving them good data and helping them interpret it in meaningful ways--and by doing that with simplicity and authenticity. Ask yourself: Are you informing or intruding? Are you adding value or volume?
As you are exposed to new products and applications, ask yourself: Can I use this idea or tool right now in my business model, or do I need to change or adapt to take advantage of this idea or tool? Answering this question assumes you understand your business model and the strategies that support it. For example, if you also spend a lot of time with home design, Pinterest may be a great site for you. If you don't, you might want to focus your efforts on another platform.
There is little question that some change is necessary for you to keep up in today's business environment. But the inspiration for that change should be driven by your business strategy, not by emotional triggers or the lure of the shiny new tool"
- (Jeff Turner, President RealSatisfied.com, Realtor Magazine Feb 2013 Commentary)
Posted February 2013
Your Top Home Ownership Tax Questions Answered...read more here
Posted January 2013
Invest your tax refund in these $500 home projects....read more here
Posted December 1, 2012
Pending Home Sales Rise in October...read more here
Posted November 13, 2012
Real Estate Trend Data...read more here
Posted October 24, 2012
A NEW HOUSING BOOM...read more here
Posted October 12, 2012
Posted September 18, 2012
Posted August 22, 2012
4 STRONG REASONS FOR BUYING A HOME NOW
Read More Here...
Posted July 31, 2012
PATIO SHADE IDEAS FOR UNDER $300
Read More Here...
Posted July 18, 2012
Posted June 26, 2012
5 Projections of Where the Housing Market Is Headed
Posted June 13, 2012
Report: Housing Market Recovery Has Officially Begun
A new analysis suggests that home prices will begin to rise later this year.
May 30, 2012
Home Prices Show Strongest Gain in 6 Years: NAR
Read more here...
May 7, 2012
Avoid First Time Buyer Mistakes
Read more here...
April 23, 2012
Spring & Summer home maintenance guide for the Northeast
Read more here...
April 20, 2012
US home buying season finally signaling a recovery
March 21, 2012
As part of a settlement with state attorneys general, the five largest mortgage servicers are adopting new requirements for short sales, which is expected to speed-up what has been known as a lengthy process.
Here are some of the new requirements for servicers under the settlement (CLICK HERE)
February 29, 2012
Hollywood film crew shoots on location at Betty LaBranche Real Estate in Exeter for the new Joss Whedon film "In Your Eyes"
See related news article and photos here
Actress Zoe Kazan is seen in front of the Water Street office of Betty LaBranche Real Estate in Exeter NH on Sunday February 26, 2012
MCLEAN, Va., Jan. 12, 2012 /PRNewswire/ -- Freddie Mac (OTC: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing mortgage rates easing to new all-time record lows for all products covered in the survey helping to keep homebuyer affordability high. The average for the 30-year fixed mortgage rate has been below 4.00 percent for six consecutive weeks.
- 30-year fixed-rate mortgage (FRM) averaged 3.89 percent with an average 0.7 point for the week ending January 12, 2012, down from last week when it averaged 3.91 percent. Last year at this time, the 30-year FRM averaged 4.71 percent.
- 15-year FRM this week averaged 3.16 percent with an average 0.8 point, down from last week when it averaged 3.23 percent. A year ago at this time, the 15-year FRM averaged 4.08 percent.
- 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.82 percent this week, with an average 0.7 point, down from last week when it averaged 2.86 percent. A year ago, the 5-year ARM averaged 3.72 percent.
- 1-year Treasury-indexed ARM averaged 2.76 percent this week with an average 0.6 point, down from last week when it averaged 2.80 percent. At this time last year, the 1-year ARM averaged 3.23 percent.
Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following links for Regional and National Mortgage Rate Details and Definitions. Borrowers may still pay closing costs which are not included in the survey.
Attributed to Frank Nothaft, vice president and chief economist, Freddie Mac.
- "Mortgage rates eased slightly this week to all-time record lows following mixed indicators in the labor market. Although the economy added 1.6 million jobs in 2011, which was the most since 2006, the unemployment rate remained historically elevated. The 2009 to 2011 period had the highest three-year average unemployment rate since 1939 to 1941. Moreover, the Federal Reserve indicated in its January 11th regional economic review that most industries saw limited permanent hiring at the end of last year."
Get the latest information from Freddie Mac's Office of the Chief Economist on Twitter:@FreddieMac
Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation's residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Over the years, Freddie Mac has made home possible for one in six homebuyers and more than five million renters.
SOURCE Freddie Mac
For further information: Chad Wandler, +1-703-903-2446, Chad_Wandler@FreddieMac.com
The financial and other information contained in the documents that may be accessed on this page speaks only as of the date of those documents. The information could be out of date and no longer accurate. Freddie Mac does not undertake an obligation, and disclaims any duty, to update any of the information in those documents. Freddie Mac's future performance, including financial performance, is subject to various risks and uncertainties that could cause actual results to differ materially from expectations. The factors that could affect the company's future results are discussed more fully in our reports filed with the SEC.
Virtual Learning Academy Charter School
Virtual Learning Academy Charter School is New Hampshire's online high school and middle school.
*An approved NH public school
*Free to New Hampshire students
*Take full or part time classes
*Anytime, anywhere studies
30 Linden Street, Exeter, NH