Saturday, April 28, 2012

APRIL - 2012 Newsletter by Brenda Sanders

Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.

Please click on this link to view the Housing Trends APRIL - 2012 Newsletter:

The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, reports and other sources.

Housing Trends eNewsletter is also filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, housing market video reports, blogs, real estate glossary, maps, mortgage rates and calculators, consumer articles, community reports that map shopping, schools, recreation and more. 

If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report:

Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future.

Sincerely yours, 

Brenda Sanders
Hill Realty
508 SW Wyoming Blvd Mills WY 82644
307-215-9077 | 307-267-0687 

(While I hope you find the information contained in this eNewsletter useful and informative, if you wish to no longer receive it, you may click on the “unsubscribe” link at the bottom of the newsletter.) 

Sunday, April 15, 2012

Time revisit your credit report!

April is Financial Literacy Month. What better time to revisit some fundamentals of your credit report?

Your credit report is a record of your credit history with details about:
  • Your identity. Your name, address, full or partial Social Security number, date of birth, and possibly employment information.
  • Your existing credit. Information about credit that you have, such as your credit card accounts, mortgages, car loans, and student loans. It may also include the terms of your credit, how much you owe your creditors, and your history of making payments.
  • Your Public Records. Information about any court judgments against you, any tax liens against your property, or whether you have filed for bankruptcy.
  • Inquiries about you. A list of companies or persons who recently requested a copy of your report – also known as hard inquiries. Remember, checking your own credit will not harm your score.
Who looks at it? Lenders, insurers and others may obtain your credit report from credit bureaus to assess how you manage financial responsibilities. For example:
  • Lenders may use it for loan decisions and terms (for example, the interest rate).
  • Home and auto insurance companies may use it to decide whether you can get insurance and to set your rates.
  • Landlords may use it to determine whether to rent to you.
These credit decisions and others affecting your financial health are why it’s important for you to monitor your credit and review your reports regularly.