A Few Tips to Help You Grow You Credit Score in 2019

If you want to grow your credit score in 2019, follow these tips.

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How can you grow your credit score in 2019? Here are a few tips that will help.

First, shoot for perfection! In terms of a perfect credit score, the magic number is 850. Not everyone is able to achieve this mark (the ratio is roughly one out of every 200), but it’s still a good goal to have.

If you want to be more realistic, you can shoot for a score of 750 or higher. Meeting this benchmark opens up many possibilities for you as well. For one thing, you’ll get a better interest rate, so you’ll save a lot of money over the life of your loan.

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35% of your credit score is determined by how timely your payments are.

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Next, set up automatic payments for yourself. Approximately 35% of your credit score is determined by how timely your payments are, and a great way to ensure that your payments are consistently on time is to automate them.

Also, keep an eye on your credit limit. Maintaining a good credit score is a bit of a balancing act. For example, if you have a credit limit of $5,000, spending up to that limit will reflect poorly on your credit score. You should try to only spend 10% to 20% of your credit limit—that’s the sweet spot. Don’t spend 0%, either—a 0% balance can make credit rating agencies suspicious that you’re not using your credit responsibly.

If you’d like more tips about improving your credit score or you have any other real estate-related questions for me, don’t hesitate to reach out to me. I’d be glad to help you.

4 Reasons to Buy a Home During the Holidays

 Why wait until spring? There are four reasons why the holidays are a great time to buy a home.

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Want to buy a home? Search all homes for sale.

Instead of waiting until after the holidays to buy a home, why not do it now? There are four surprisingly smart reasons why the holiday season is a great time to buy, and today we’ll be going over each one:

1. Less competition. Traditionally, we see the most homebuyers during the spring and summer seasons. These aren’t great times for you to jump in as a buyer; you’ll find yourself competing in bidding wars with many others who are looking to buy. Finding a home during the holidays means you won’t have to deal with all the competition that comes after the new year.


2. Sellers are more motivated. Whether they’ve listed early in the fall and are frustrated that their home hasn’t sold or they’re needing to sell their home to relocate, sellers are more eager to find buyers. As a result, we find that sellers are more motivated now compared to those in spring and summer.

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Traditionally, we see the most homebuyers during the spring and summer seasons.

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3. You can get a better idea of the home. It’s during this season that you’re more likely to see a home at its worst, which is one reason why sellers wait to list. You’ll be able to see how bad the falling leaves are and get a better idea of what you’ll be dealing with in yard maintenance. In spring and summer, you may be fooled by manicured lawns and blooming flowers. During the holidays, you get the whole picture.


4. You will have more access to professional services. It’s easier to find home inspectors, mortgage lenders, and related service providers during the holiday season. Since there’s not as much real estate activity taking place this time of year, you have the luxury of better access to these professionals.

We hope you have a happy holiday season, and if you have any questions or would like some more information, feel free to reach out to us. We look forward to hearing from you.