Your REALTOR:
Debra Kukulski
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 August 2008
"The highest compliment a client can give me is to trust me with a referral, this is how I build my business!"
If you have a friend or family member looking to buy or sell a home please pass their name and number along to me and I will give them the same great service I give to all of my clients! I can also help
people find a Realtor nationwide!
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Copyright © 2008 Realty Times
All Rights Reserved.
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Mortgage Rate Locks
Become Crucial
 An interest rate lock is always a good idea in any market. But it becomes a better idea when it's crucial to lock in an interest rate and other loan costs at a level you can afford.
A changing market -- especially when the change is for the worst -- is one of those crucial times. During the first half of 2008, nearly a full percentage point separated the high of 6.45 percent in recent weeks and the low of 5.48 percent in January, according to Freddie Mac.
Get off the interest rate elevator ride with an interest rate lock. A traditional rate lock is a lender's guarantee that your mortgage will come with a specific
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Mortgage Rates
U.S. averages as of July 31, 2008:
30 yr. fixed: 6.52%
15 yr. fixed: 6.07%
1 yr. adj: 5.27%
<!-- <B>30 yr. jumbo: 6.98%</B>-->
View current rates
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interest rate, points, other costs and terms. Most locks are designed to protect home buyers from rising rates, but those refinancing can also benefit.
A rate lock's terms include a specified period for the lock. If you fail
CONTINUED >>>
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Man's Best Friend May Be Costly When Selling
 As beloved as pets may be to sellers they can be a detriment to the sale of a home.
One of the main reasons has to do with how convenient it is for buyers to see your home. There can be issues caused by the pets that make seeing your home more difficult than viewing other properties. For instance, if sellers have to be called first before their home can be shown this can make it less appealing to buyers and agents.
"You've got issues of access because you might have special pet instructions such as remove pets prior to entering home," says Benjamin Little, Realtor with John Hall & Associates in Scottsdale, Arizona. He says that makes it so agents and buyers have to set special appointments. "And in today's market, anything that impedes a showing is a hindrance to selling the house," cautions Little. He adds, "There are so many properties out there for sale that if you've got special pet instructions and there are 10 properties, that on paper are CONTINUED >>>
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Credit Scores Remain Misunderstood
 Too many consumers still don't get it when it comes to credit scores.
And what you don't know about credit scores can hurt you when it's time to buy a home -- especially in a tight credit market.
Only 28 percent of consumers are aware they need at least a 700 credit score to qualify for a low-rate mortgage.
Three of every four consumers incorrectly believe that credit scores are influenced by income.
And even more, 79 percent, erroneously believe that credit scores can be obtained for free once a year. (They're probably thinking about their credit report, instead.)
Those are among the findings of a new report, "Consumer Understanding Of Credit Scores Improves But Remains Poor" commissioned by the Consumer Federation of America (CFA) and Washington Mutual Bank (WaMu).
First, your credit score is a number assigned to your creditworthiness.
Your credit score indicates how well or how poorly you'll repay a debt. The higher the number, the more likely you'll repay on time.
Your bill paying information on credit reports provides the basis for your credit score. Consumers who take the time to obtain their credit score, for only about CONTINUED >>>
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How Can Debra Kukulski Help You?
If you are seeking a top, experienced professional who will listen, coach and help you work through your transaction so that you can relax and enjoy the fun and rewarding part of buying/selling, call Debra directly at 847-516-6760 or visit her excellent website for real estate, area, community, and school information. You can also search over 120,000 listings from her website: http://www.McHenryCountyProperties.com.
Ask her about her exclusive 'Sellers Marketing Plan' which includes extensive internet exposure for your home, or her 'Preferred Buyers Program', where you will recieve daily notifications of new listings from ALL of the offices that match YOUR criteria and a private, password protected, interactive web site that is updated daily for you AND has all of the details and pictures! (Trust me, you will LOVE this!)
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Daily News and Advice
Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!
Search Waterfront and Fox River Front Homes For Sale Here
It is an EXCELLENT TIME TO BUY NOW, especially for first time buyers, second home buyers, investors and move up buyers.
REAL ESTATE IN IL IS ON SALE! :-)
I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)
If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!
By the way, if you know of someone that could benefit from my high level of service, please call or email
me with their name and daytime phone number and I will make sure to follow up and
take great care of them.
The majority of my business is referral and repeat clients. I am so grateful it keeps growing from your loyalty and referrals:-)
I appreciate YOU and your referrals!
I can be reached at my direct number at the office: 847.516.6760. I look forward to hearing from you!
Information deemed accurate and reliable but not guaranteed. Source MRED MLS.Disclaimer: Information herein may come from various sources, some of which may not be reliable and may change without any notice. Debra Kukulski does not guarantee or is any way responsible for the accuracy of the information in this blog and information provided is without warranties of any kind, either express or implied. Information on this blog represents the opinions and ideas of the author; comments by others may not express the views of the author. All photos and content may not be duplicated without express written consent of author.
Copyright © 2011 By Debra Kukulski, all rights reserved.
