RECENT BLOG POSTS
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CREDIT TIP- KEEP YOUR OLD CARDS ACTIVE 15% of your credit score is based on the length of your credit history, in addition to your debt to credit ratio. If you have older cards, or cards that you paid down to $0 NEVER CLOSE THEM! Even if they have a higher interest rate than your newer cards, i...
03/25/2010
Questions, questions, questions... These are questions often asked of me and the answers I found on the IRS web site... Q. Does previously inheriting a home and living in it automatically disqualify me as a first-time homebuyer if I buy a different home on or before Nov. 6, 2009? A. Yes, an owner...
03/04/2010
Without the proper documentation your IRS 1st Time Buyer tax credit will be delayed. Below are tips on what you need to gather before you make your claim. It is important that you provide the appropriate for your transaction: Settlement Statement: Your closing agent will send you a certified co...
02/23/2010
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Step 1. The Application The key to the loan process going smoothly is the initial application interview, after receipt of the application by the loan consultant. It is at this time that all pertinent information is obtained and necessary documentation is reviewed so unnecessary problems and dela...
02/16/2010
As a lender I am continually asked so many questions about the 1st Time Home buyer tax credit and the Home buyer tax credit. Since I am not a tax advisor it is just best to go directly to the source.... Q. I am a long-time resident (have owned and used my current home as a principal residence fo...
02/06/2010
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This month's bizarre holiday; National Puzzle Day! Puzzles are a favorite pastime for millions of people, young and old; National Puzzle Day honors puzzles of all size, shape and form. Whether you're into crosswords, jigsaws, or even a simple word search - doing puzzles is fun! For some, they enj...
01/19/2010
Have you looked at your paycheck lately? How much are you paying the government? How much of your money goes to Federal and State income taxes? Let's talk about some of the financial reasons you want to own your home. 1. The interest you pay for your mortgage is tax deductable. The property ta...
01/14/2010
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Three Reasons to Buy Now ... Reason #2 Now is the time to get off the fence. Dawdling home buyers beware... the low interest rates are coming to an end. The Federal Reserve has helped keep rates low through the purchases of mortgage backed securities. But, that program is winding down and will ...
01/12/2010
The days of adding unlimited "upgrades" to your new home purchase seem to have run amuck with real estate appraisers using the deflated values of the foreclosure market when measuring the value of your dream home. Never mind that the foreclosure was a "beater" and needed to be rebuilt... painted...
01/04/2010
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Reason #1- Fiserv Lending Solutions, a financial analytics firm, forecasts that prices will fall in 2010 in all but 39 of the 381 markets it covers. California is one of those markets. Why is this good for you as a buyer? - Getting in on the ground floor of course! But better than that, eve...
01/03/2010
Rainmaker
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Ingrid Pierson
Making Friends & Helping Friends with Real Estate
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Brings fresh information about Placer County lifestyle information... specializing in vineyards, vineyard homes and vineyard lifestyles. Opportunities for Home wine making, and local color and activities centered around local wineries, and venues of Auburn, Loomis and Newcastle.
Additionally, with my background in lending I bring information about short sales, changes on laws and lending that impact you as the Seller and the bank approval process.