Thinking about buying soon? Make sure your credit is in order

There’s no more important time to work on your credit score than when you’re about to apply for a mortgage. Improving your credit can save you a ton of money-we’re talking about thousands of dollars over the life of the loan. Here are the actions you can take that will have a notable impact on your score.

Pay down your credit card balances Credit utilization is one of the biggest factors in determining your credit score. Your credit utilization should at least be less than 30 percent of your limit, and it’s even better if you can get it below 15 percent. This rule applies to both individual cards and your overall credit limit.

It may even be worthwhile to use some of the cash funds you were planning to use for a down payment to pay off credit card balances.

Do no harm While you certainly want to improve your score if possible, at the very least you’ll want to keep it steady. Avoid opening new lines of credit if you’re applying for a mortgage in the very near future. This will cause a hard inquiry to show up on your credit report.

Take care of negative items It’s good practice to check your credit report for negative items a few times a year-you can get one free report from each of the three major bureaus (Experian, Equifax, and TransUnion) per year.

If you find any negative items (collections, late payments, etc.), write a letter to the original creditor. Explain the circumstances that led to the negative item, and request that it be removed from your report. It can be surprisingly effective, and removing a negative item will improve your credit score in a hurry. You can find some good templates for a request letter online.


Amy Photo 1
Amy Merrill
Real Estate Salesperson

Keller Williams Realty GR West

550 Latona Rd., Bldg. C, Ste 301

Rochester, NY 14626

Contact Numbers:
Cell-585-662-3363
Office-585-758-8306
Mobile-585-758-8307

Five big trends in home decor

Thanks to websites like Houzz and Pinterest and TV networks like HGTV and DIY, it’s easier than ever to keep up with home decorating trends and find inspiration for improving your own home. Here are five of the top current interior design trends.

  1. Screen-free rooms: After a long day of using your smartphone and computer, it can feel amazing to come home and take a technology break. More and more, homeowners are creating specific screen-free rooms-perhaps a library, craft room, or listening room-where you can escape from technology for a while.
  2. Upholstered headboards: What if you could feel like you were sleeping in a luxury hotel bed every night? The bedding and mattress are an important part of that experience, but so is the aesthetic and comfort of an upholstered headboard.
  3. Earth tones: Natural colors have become increasingly popular, especially deep greens. It’s a great way to bring some of nature’s colors indoors, whether as an accent wall, in blankets and pillows, or for furniture.
  4. Black stainless steel: If you want a sleek, contemporary kitchen, black stainless steel is even more of a statement than traditional stainless steel.
  5. Patterned fabrics: While solid upholstery will never go out of style, patterns have become trendy of late. It’s an easy way to make a bold, eye-catching statement in your living space.

 


Amy Photo 1
Amy Merrill
Real Estate Salesperson

Keller Williams Realty GR West

550 Latona Rd., Bldg. C, Ste 301

Rochester, NY 14626

Contact Numbers:
Cell-585-662-3363
Office-585-758-8306
Mobile-585-758-8307

Village of Dundee Open House

Join us for an Open House on Sunday,

May 21 from 1:00-3:00 pm

27 Harpending Ave, Dundee, NY 14837

 

This spacious 4 bedroom colonial home has many possibilities with 13 rooms! The large kitchen has an abundance of cabinets, dumbwaiter, pantry and easy access to the deck and back yard. Formal dining room, office, homework station/breakfast bar,family room, living room, 1st floor laundry and 1.5 bathrooms complete the 1st floor. 2nd floor has spacious landing, 4 large bedrooms (fit for king sized furniture) and updated full bathroom with jetted tub. The finished basement has 3 bonus rooms, full bathroom, dry bar, fireplace and storage. Easy to access back yard & deck from the basement. The private back yard has a large deck and above ground pool. The professional landscaping includes a small pond. Swing set can be removed upon request and hardwood floors will be refinished prior to closing!

MLS Listing: 27 Harpending Ave, Dundee

More Homes for sale in and around Dundee: Dundee, NY Homes for Sale

Property Flyer:

27 Harpending flyer

What does a title company do?

When you purchase a home, a title company will research the property to ensure that you are the rightful owner. They’ll look through records for anything that might cause problems-ownership disputes, restrictions, unpaid taxes, liens, and more. Their goal is to document the chain of title and identify any issues that could become major problems down the road.

At the end of the process, the title company issues a title opinion. This is a legal document that states that the title is valid. The title opinion is part of obtaining title insurance. The insurance protects both the owner and the lender if there is a title dispute. If another party is actually the rightful owner of the home, your title insurance protects you from financial loss.

In addition to title opinions and title insurance, title companies also handle escrow accounts and distribute money to the appropriate parties at closing. They’ll also deliver closing documents to the appropriate agencies.


Amy Photo 1
Amy Merrill
Real Estate Salesperson

Keller Williams Realty GR West

550 Latona Rd., Bldg. C, Ste 301

Rochester, NY 14626

Contact Numbers:
Cell-585-662-3363
Office-585-758-8306
Mobile-585-758-8307

Improve or move?

Unless you built a custom home, you probably have a long list of things you’d like to improve in your current home. Browsing online listings might get you in the mood to upgrade to a new home, or you might be thinking about renovating your current home after binging on HGTV. The answer to renovation vs. relocation depends greatly on what you’re trying to fix.

Thinking about a new kitchen? If you’re dreaming of a chef’s kitchen with new appliances and beautiful cabinets, renovating your own kitchen gives you incredible ROI and is less costly than moving. You’ll increase the value of your own home if you ever decide to sell, and there’s a great sense of accomplishment that comes with completing a custom renovation.

Need more space? If you’re running low on bedrooms, there may not be a lot of options. Converting an existing room to a bedroom doesn’t create any new space. If you’re in a condo, an addition is probably impossible. And additions can be expensive even if it’s a possibility. Moving is usually the best option.

If the neighborhood isn’t ideal You may have seen some potential for your neighborhood when you first moved there, but perhaps it still isn’t welcoming the shops and restaurants you expected. If that’s the case, consider moving. There’s no sense in waiting years for the neighborhood to improve, especially if you can move to a house in the same price range in a more preferred part of the city.


Amy Photo 1
Amy Merrill
Real Estate Salesperson

Keller Williams Realty GR West

550 Latona Rd., Bldg. C, Ste 301

Rochester, NY 14626

Contact Numbers:
Cell-585-662-3363
Office-585-758-8306
Mobile-585-758-8307
For more properties, please visit www.amymerrill.net. Feel free to drop a line and contact me using the form below.

Easy 1-day projects to reinvent your home

It’s easy to get stressed out just hearing the word renovation. You’re instantly thinking of having your home life disrupted by construction debris, cluttered rooms, and loud noises.

But you don’t have to spend a ton of money and brace yourself for months of inconvenience to upgrade your home. Here are a few projects that you can knock out in a single day, and they’ll greatly improve the look and enjoyment of your home.

Paint or replace an exterior door: If you know the correct dimensions and specifications for a replacement door, replacing an exterior door is a quick and easy job. That’s even more true if you’re repainting it. Preparation and a few coats of paint will only take a few hours.

Plant some low-maintenance trees: Young evergreen trees are relatively simple to plant, and after some heavy watering in the first few weeks, they’re very easy to maintain. They’ll add some color and texture to your landscaping, instantly improving curb appeal.

New light fixtures: Whether they’re on the interior or exterior of your home, something as subtle as light textures can have a dramatic effect. Swapping out traditional fixtures for something modern or industrial can completely transform a room.

New hardware: Drawer pulls and door knobs are easy to change out, and like light fixtures, they have a big impact. You’d be amazed how your kitchen or bathroom could look with new hardware.

 


Amy Photo 1
Amy Merrill
Real Estate Salesperson

Keller Williams Realty GR West

550 Latona Rd., Bldg. C, Ste 301

Rochester, NY 14626

Contact Numbers:
Cell-585-662-3363
Office-585-758-8306
Mobile-585-758-8307
For more properties, please visit www.amymerrill.net. Feel free to drop a line and contact me using the form below.