Meet Our Agent Diane Kelley

About Diane Kelley
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Office: 419-335-5170
Cell: 419-346-2361
Fax: 419 335-5237
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Professional and Personal Qualifications

  • Toledo Board of Realtors®
  • Ohio Association of Realtors®
  • National Association of Realtors®
  • Northwest Ohio Real Estate Information Systems Inc. Regional MLS
  • Member of The Leading Real Estate Companies of the World™
  • Specializing in Residential and New Construction Sales
  • Free Consultation
  • Satisfaction Guaranteed

 

Serving Clients In Northwest Ohio

When it’s time to make a move, open the door to me! My buyers and sellers depend on professional and enthusiastic representation. I provide comprehensive real estate service that begins before the sale and after the closing. The use of a skilled professional will minimize your risks and increase your opportunities. My efforts are backed by the strength of Welles Bowen, one of the oldest and most established Real Estate Companies.

 

Ginny Meeker Brings You – Best Money-Saving DIY Projects (and Tips for Doing Them Right)

Best Money-Saving DIY Projects (and Tips for Doing Them Right)

By: John Riha Published: April 21, 2014

When you factor in return on investment, you’d be nuts not to DIY.

 You’re going to save money with DIY home improvement projects. Sure, everybody knows that.
But did you know how much? Cut professionals out of the equation and you can save half the cost of a project — or more. On a minor bathroom refresh, that could be up to $10,000.

What’s more, you get a great return on your investment. Meaning, the financial value you get out of a DIY project is much more than what you put in.

Of course there are projects where pro installation is going to be much faster and safer, and worth the price of a hiring a contractor. Major exterior improvements, such as replacingroofing and siding, are prime candidates.

And granted, there are tasks where a pro is invaluable. Personally, I have years of DIY experience, but I still won’t touch electrical work with a 10-foot insulated pole.

Nevertheless, going DIY is the ultimate money-saving tool. You’ll also get tons of satisfaction and enjoyment from creating a better home environment, and from learning home improvement skills that’ll last a lifetime.

Here’s a rundown of some top money-saving projects, using cost and return-on-investment figures from “Remodeling” magazine’s annual “Cost vs Value Report.”

But before we get to that, let’s swat aside some concerns. Or go straight to the projects.

What If You Don’t Have the Skills?

Sorry, not buying it. How-to tutorials are everywhere. Check out YouTube for video instructions on everything from taking out a toilet to tiling your shower stall. In addition:

  • Most major manufacturers have tutorials on their websites. If you’re looking to install a particular product, check out the horse’s mouth for videos and PDF instructions.
  • Big box home improvement centers run clinics on installing tile, building decks, paint finishes, and more — free. Spend an hour or so at a clinic to learn direct from professionals.
  • Yes, physical books still exist. Buy new, or head down to your local library for free how-to books you can keep for weeks. (Yes, they still have overdue fines!)

What If You Don’t Have the Time?

That’s the trade-off. Your time (and labor) is going to stand in for cash out of your pocket. If you truly don’t have the time, then DIY probably isn’t for you.

The next best move is to BIY your project — buy-it-yourself. With a BIY project, you do the research, shopping, and purchasing of materials and save the contractor’s markup. You need to work closely with your professional to make sure you agree on what stuff you’ll be buying, and what is still the contractor’s responsibility.

Related: Save 20% When You BIY Instead of DIY

The Best Money-Saving Projects With Great ROI

Deck Addition

A 12-foot-by-16-foot wood deck addition is a straightforward project, especially if you keep the design simple (rectangular) and use concrete piers instead of poured concrete footings (check your local codes). Even a set of simple stairs can be tricky, so take your time with measurements. If you botch your first attempt, know you’re in good company, and try again.

If You Hire If You DIY
Cost $9,539 Cost $1,650
What You Get Back When You Sell* $8,334 What You Get Back When You Sell* $8,334
Return on Investment

87.4%

Return on Investment

505%

*Source: “Remodeling” magazine “Cost vs Value Report

You can probably build a 12-foot-by-16-foot DIY deck in 3-4 days over two weekends. If you’re using poured footings instead of precast piers, you’ll need to wait 2-3 days for the concrete to cure. Having a buddy definitely helps move things along, but might cost you extra for pizza and beer.

Minor Bathroom Facelift

A typical guest bathroom is about 5 feet by 7 feet, so let’s bring that up-to-date by installing a new tub, toilet, ceramic tile floor and shower surround, updating the shower valve, and adding a new vanity, sink, and counter. Spruce it all up with moisture-proof vinyl wallpaper.

You’ll do everything but the plumbing connections, so add $380 for a pro plumber (4 hours at $95/hour).

Installing ceramic tile is one of the more challenging — and rewarding — DIY projects. Study those tutorials first, and get the right tools. Rent an electric tile saw for $50-$75/day; but note that you can buy an acceptable tile saw at a home improvement center for less than $100.

If You Hire If You DIY
Cost $16,128 Cost $6,880
What You Get Back When You Sell* $11,668 What You Get Back When You Sell* $11,688
Return on Investment

72.5%

Return on Investment

170%

*Source: “Remodeling” magazine “Cost vs Value Report

Plan for 6-8 days of work, spread over however long you can stand to be without your bathroom. You’ll need the better part of two days for the tile alone, and a day to let the tile adhesive set.

Entry Door Replacement

No other project gives as much return as a new steel entry replacement door. Not only is it a cost-effective project with one of the highest returns in the Cost vs Value Report, but you get the added benefit of sprucing up your curb appeal.

Know your door parts (jambs, threshold, stops) before digging in. You’ll be putting in a pre-hung door that includes jambs, so the old stuff has to come out. If you can, preserve the old casing (trim) that goes around the door. Otherwise, plan to buy new casing.

If You Hire If You DIY
Cost $1,162 Cost $250
What You Get Back When You Sell* $1,122 What You Get Back When You Sell* $1,122
Return on Investment

96.6%

Return on Investment

450%

*Source: “Remodeling” magazine “Cost vs Value Report

This is a good one to have a buddy or spouse lend a hand. It’ll take 6-8 hours if it’s your first time. Remember the three-legged mantra of door installation: Plumb, level, square.

Related: Choosing an Exterior Door

Garage Door Replacement

Tired of looking at that big blank billboard every time you pull into your driveway? Change out your old garage door for a spiffy new steel model and the whole neighborhood will thank you. Save some cash by keeping the same motorized opener.

If You Hire If You DIY
Cost $1,534 Cost $850
What You Get Back When You Sell* $1,283 What You Get Back When You Sell* $1,283
Return on Investment

87.3%

Return on Investment

151%

*Source: “Remodeling” magazine “Cost vs Value Report

A steel garage door comes in four panels that are relatively lightweight but awkward — get a friend to lend a hand and you’ll have this project done in a day.

Vinyl Window Replacement

If you want to replace four or more windows, or a second-story window, then hire the work out. Being up on a ladder with an object as bulky as a window is no place for a non-professional. Pros bring scaffolding, which takes time to set up but ultimately makes the work faster and safer.

Replacing one, two, or maybe three first-story windows is a good DIY job. Anything more and the pros will get the job done with better efficiency in terms of time and hassle.

If You Hire If You DIY
Cost (per window) $998 Cost (per window) $250
What You Get Back When You Sell* $786 What You Get Back When You Sell* $786
Return on Investment

78.7%

Return on Investment

314%

*Source: “Remodeling” magazine “Cost vs Value Report

If you’ve measured your rough opening correctly and bought the right window, then one window should take you 3-4 hours. You’ll get faster with subsequent windows.

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Carol Decator Suggest This Article 8 Tips For Finding Your New Home

8 Tips For Finding Your New Home

A solid game plan can help you narrow your homebuying search to find the best home for you.

 House hunting is just like any other shopping expedition. If you identify exactly what you want and do some research, you’ll zoom in on the home you want at the best price. These eight tips will guide you through a smart homebuying process.

 1. Know thyself

Understand the type of home that suits your personality. Do you prefer a new or existing home? A ranch or a multistory home? If you’re leaning toward a fixer-upper, are you truly handy, or will you need to budget for contractors?

2. Research before you look

List the features you most want in a home and identify which are necessities and which are extras. Identify three to four neighborhoods you’d like to live in based on commute time, schools, recreation, crime, and price. Then hop onto REALTOR.com to get a feel for the homes available in your price range in your favorite neighborhoods. Use the results to prioritize your wants and needs so you can add in and weed out properties from the inventory you’d like to view.

3. Get your finances in order

Generally, lenders say you can afford a home priced two to three times your gross income. Create a budget so you know how much you’re comfortable spending each month on housing. Don’t wait until you’ve found a home and made an offer to investigate financing.

Gather your financial records and meet with a lender to get a prequalification letter spelling out how much you’re eligible to borrow. The lender won’t necessarily consider the extra fees you’ll pay when you purchase or your plans to begin a family or purchase a new car, so shop in a price range you’re comfortable with. Also, presenting an offer contingent on financing will make your bid less attractive to sellers.

4. Set a moving timeline

Do you have blemishes on your credit that will take time to clear up? If you already own, have you sold your current home? If not, you’ll need to factor in the time needed to sell. If you rent, when is your lease up? Do you expect interest rates to jump anytime soon? All these factors will affect your buying, closing, and moving timelines.

5. Think long term

Your future plans may dictate the type of home you’ll buy. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in the home for five to 10 years? With a starter, you may need to adjust your expectations. If you plan to nest, be sure your priority list helps you identify a home you’ll still love years from now.

6. Work with a REALTOR®

Ask people you trust for referrals to a real estate professional they trust. Interview agents to determine which have expertise in the neighborhoods and type of homes you’re interested in. Because homebuying triggers many emotions, consider whether an agent’s style meshes with your personality.

Also ask if the agent specializes in buyer representation. Unlike listing agents, whose first duty is to the seller, buyers’ reps work only for you even though they’re typically paid by the seller. Finally, check whether agents are REALTORS®, which means they’re members of the NATIONAL ASSOCIATION OF REALTORS®. NAR has been a champion of homeownership rights for more than a century.

7. Be realistic

It’s OK to be picky about the home and neighborhood you want, but don’t be close-minded, unrealistic, or blinded by minor imperfections. If you insist on living in a cul-de-sac, you may miss out on great homes on streets that are just as quiet and secluded.

On the flip side, don’t be so swayed by a “wow” feature that you forget about other issues—like noise levels—that can have a big impact on your quality of life. Use your priority list to evaluate each property, remembering there’s no such thing as the perfect home.

8. Limit the opinions you solicit

It’s natural to seek reassurance when making a big financial decision. But you know that saying about too many cooks in the kitchen. If you need a second opinion, select one or two people. But remain true to your list of wants and needs so the final decision is based on criteria you’ve identified as important.

G.M. Filisko is an attorney and award-winning writer who has found happiness in a brownstone in a historic Chicago neighborhood. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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Pre-Approval and Pre-Qualifying Video – Welles Bowen Mortgage

Nathan and Carrie Kerber Shared This Article

How to Assess the Real Cost of a Fixer-Upper House

By: G. M. Filisko Published: August 24, 2010
When you buy a fixer-upper house, you can save a ton of money, or get yourself in a financial fix.
Trying to decide whether to buy a fixer-upper house? Follow these seven steps, and you’ll know how much you can afford, how much to offer, and whether a fixer-upper house is right for you.
1. Decide what you can do yourself
TV remodeling shows make home improvement work look like a snap. In the real world, attempting a difficult remodeling job that you don’t know how to do will take longer than you think and can lead to less-than-professional results that won’t increase the value of your fixer-upper house.
Do you really have the skills to do it? Some tasks, like stripping wallpaper and painting, are relatively easy. Others, like electrical work, can be dangerous when done by amateurs.
Do you really have the time and desire to do it? Can you take time off work to renovate your fixer-upper house? If not, will you be stressed out by living in a work zone for months while you complete projects on the weekends?
2. Price the cost of repairs and remodeling before you make an offer
Get your contractor into the house to do a walk-through, so he can give you a written cost estimate on the tasks he’s going to do.
If you’re doing the work yourself, price the supplies.
Either way, tack on 10% to 20% to cover unforeseen problems that often arise with a fixer-upper house.
3. Check permit costs
Ask local officials if the work you’re going to do requires a permit and how much that permit costs. Doing work without a permit may save money, but it’ll cause problems when you resell your home.
Decide if you want to get the permits yourself or have the contractor arrange for them. Getting permits can be time-consuming and frustrating. Inspectors may force you to do additional work, or change the way you want to do a project, before they give you the permit.
Factor the time and aggravation of permits into your plans.
4. Doublecheck pricing on structural work
If your fixer-upper home needs major structural work, hire a structural engineer for $500 to $700 to inspect the home before you put in an offer so you can be confident you’ve uncovered and conservatively budgeted for the full extent of the problems.

Get written estimates for repairs before you commit to buying a home with structural issues.

Don’t purchase a home that needs major structural work unless:
You’re getting it at a steep discount
You’re sure you’ve uncovered the extent of the problem
You know the problem can be fixed
You have a binding written estimate for the repairs
5. Check the cost of financing
Be sure you have enough money for a downpayment, closing costs, and repairs without draining your savings.

If you’re planning to fund the repairs with a home equity or home improvement loan:
Get yourself pre-approved for both loans before you make an offer.
Make the deal contingent on getting both the purchase money loan and the renovation money loan, so you’re not forced to close the sale when you have no loan to fix the house.
Consider the Federal Housing Administration’s Section 203(k) program, which is designed to help home owners who are purchasing or refinancing a home that needs rehabilitation. The program wraps the purchase/refinance and rehabilitation costs into a single mortgage. To qualify for the loan, the total value of the property must fall within the FHA mortgage limit for your area, as with other FHA loans. A streamlined 203(k) program provides an additional amount for rehabilitation, up to $35,000, on top of an existing mortgage. It’s a simpler process than obtaining the standard 203(k).
6. Calculate your fair purchase offer
Take the fair market value of the property (what it would be worth if it were in good condition and remodeled to current tastes) and subtract the upgrade and repair costs.
For example: Your target fixer-upper house has a 1960s kitchen, metallic wallpaper, shag carpet, and high levels of radon in the basement.

Your comparison house, in the same subdivision, sold last month for $200,000. That house had a newer kitchen, no wallpaper, was recently recarpeted, and has a radon mitigation system in its basement.
The cost to remodel the kitchen, remove the wallpaper, carpet the house, and put in a radon mitigation system is $40,000. Your bid for the house should be $160,000.
Ask your real estate agent if it’s a good idea to share your cost estimates with the sellers, to prove your offer is fair.
7. Include inspection contingencies in your offer
Don’t rely on your friends or your contractor to eyeball your fixer-upper house. Hire pros to do common inspections like:
Home inspection. This is key in a fixer-upper assessment. The home inspector will uncover hidden issues in need of replacement or repair. You may know you want to replace those 1970s kitchen cabinets, but the home inspector has a meter that will detect the water leak behind them.
Radon, mold, lead-based paint
Septic and well
Pest
Most home inspection contingencies let you go back to the sellers and ask them to do the repairs, or give you cash at closing to pay for the repairs. The seller can also opt to simply back out of the deal, as can you, if the inspection turns up something you don’t want to deal with.

G.M. Filisko is an attorney and award-winning writer whose parents bought and renovated a fixer-upper when she was a teen. A regular contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

ABOUT THE KERBERS
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Office: (419)874 7958
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Professional and Personal Qualifications

  • Toledo Board of Realtors
  • Ohio Association of Realtors
  • Specialize in Residential Real Estate Sales
  • Satisfaction Guaranteed!
  • Service Guaranteed in Writing
  • Free Complementary Consultation
  • Member of The Leading Real Estate Companies of the World™

 

My Pledge To You….

I will act on your behalf to see that you get the best price and terms on your Real Estate transaction. I will maintain constant contact with you so that you are well informed throughout the transaction. I promise you excellent service with a written guarantee!

Welles Bowen is Pleased to Have in Our Napoleon Office-Kim Dietrich

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Office: 419-592-7653
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Professional and Personal Information

  • Toledo Board of Realtors®
  • Ohio Association of Realtors®
  • National Association of Realtors®
  • Member of The Leading Real Estate Companies of the World™
  • Member of the Multiple Listing Service
  • Full Time Realtor
  • Working with Buyers and Sellers
  • Active in the community in which I work
  • Serving Henry County

 

Ginni Neuenschwander Brings You 7 Steps to Take Before You Buy a Home

7 Steps to Take Before You Buy a Home

By: G. M. Filisko Published: February 10, 2010

By doing your homework before you buy, you’ll feel more content about your new home.

 Most potential homebuyers are a smidge daunted by the fact that they’re about to agree to a hefty mortgage that they’ll be paying for the next few decades. The best way to relieve that anxiety is to be confident you’re purchasing the best home at a price you can afford with the most favorable financing. These seven steps will help you make smart decisions about your biggest purchase.

1. Decide how much home you can afford

Generally, you can afford a home priced 2 to 3 times your gross income. Remember to consider costs every homeowner must cover: property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care if you plan to have children.

2. Develop your home wish list

Be honest about which features you must have and which you’d like to have. Handicap accessibility for an aging parent or special needs child is a must. Granite countertops and stainless steel appliances are in the bonus category. Come up with your top-five must-haves and top-five wants to help you focus your search and make a logical, rather than emotional, choice when home shopping.

3. Select where you want to live

Make a list of your top-five community priorities, such as commute time, schools, and recreational facilities. Ask your REALTOR® to help you identify three to four target neighborhoods based on your priorities.

4. Start saving

Have you saved enough money to qualify for a mortgage and cover your downpayment? Ideally, you should have 20% of the purchase price set aside for a downpayment, but some lenders allow as little as 5% down. A small downpayment preserves your savings for emergencies.

However, the lower your downpayment, the higher the loan amount you’ll need to qualify for, and if you still qualify, the higher your monthly payment. Your downpayment size can also influence your interest rate and the type of loan you can get.

Finally, if your downpayment is less than 20%, you’ll be required to purchase private mortgage insurance. Depending on the size of your loan, PMI can add hundreds to your monthly payment. Check with your state and local government for mortgage and downpayment assistance programs for first-time buyers.

5. Ask about all the costs before you sign

A downpayment is just one homebuying cost. Your REALTOR® can tell you what other costs buyers commonly pay in your area—including home inspections, attorneys’ fees, and transfer fees of 2% to 7% of the home price. Tally up the extras you’ll also want to buy after you move-in, such as window coverings and patio furniture for your new yard.

6. Get your credit in order

A credit report details your borrowing history, including any late payments and bad debts, and typically includes a credit score. Lenders lean heavily on your credit report and credit score in determining whether, how much, and at what interest rate to lend for a home. Most require a minimum credit score of 620 for a home mortgage.

You’re entitled to free copies of your credit reports annually from the major credit bureaus: Equifax, Experian, and TransUnion. Order and then pore over them to ensure the information is accurate, and try to correct any errors before you buy. If your credit score isn’t up to snuff, the easiest ways to improve it are to pay every bill on time and pay down high credit card debt.

7. Get prequalified

Meet with a lender to get a prequalification letter that says how much house you’re qualified to buy. Start gathering the paperwork your lender says it needs. Most want to see W-2 forms verifying your employment and income, copies of pay stubs, and two to four months of banking statements.

If you’re self-employed, you’ll need your current profit and loss statement, a current balance sheet, and personal and business income tax returns for the previous two years.

Consider your financing options. The longer the loan, the smaller your monthly payment. Fixed-rate mortgages offer payment certainty; an adjustable-rate mortgage offers a lower monthly payment. However, an adjustable-rate mortgage may adjust dramatically. Be sure to calculate your affordability at both the lowest and highest possible ARM rate.

More from HouseLogic

Learn how Fannie Mae and Freddie Mac mortgages can help you save on financing

Learn more about the costs of homeownership

Other web resources

Homebuyer counseling resources

Get a free credit report from each of the three credit reporting bureaus

G.M. Filisko is an attorney and award-winning writer who has thrice survived the homebuying process. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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Scott Snyder Bring You – 5 Tips to Prepare Your Home for Sale

Scott Snyder Bring You – 5 Tips to Prepare Your Home for SaleBy: G. M. Filisko – Published: February 10, 2010

Working to get your home ship-shape for showings will increase its value and shorten your sales time.
Many buyers today want move-in-ready homes and will quickly eliminate an otherwise great home by focusing on a few visible flaws. Unless your home shines, you may endure showing after showing and open house after open house—and end up with a lower sales price. Before the first prospect walks through your door, consider some smart options for casting your home in its best light.
1. Have a home inspection
Be proactive by arranging for a pre-sale home inspection. For $250 to $400, an inspector will warn you about troubles that could make potential buyers balk. Make repairs before putting your home on the market. In some states, you may have to disclose what the inspection turns up.
2. Get replacement estimates
If your home inspection uncovers necessary repairs you can’t fund, get estimates for the work. The figures will help buyers determine if they can afford the home and the repairs. Also hunt down warranties, guarantees, and user manuals for your furnace, washer and dryer, dishwasher, and any other items you expect to remain with the house.
3. Make minor repairs
Not every repair costs a bundle. Fix as many small problems—sticky doors, torn screens, cracked caulking, dripping faucets—as you can. These may seem trivial, but they’ll give buyers the impression your house isn’t well maintained.
4. Clear the clutter
Clear your kitchen counters of just about everything. Clean your closets by packing up little-used items like out-of-season clothes and old toys. Install closet organizers to maximize space. Put at least one-third of your furniture in storage, especially large pieces, such as entertainment centers and big televisions. Pack up family photos, knickknacks, and wall hangings to depersonalize your home. Store the items you’ve packed offsite or in boxes neatly arranged in your garage or basement.
5. Do a thorough cleaning
A clean house makes a strong first impression that your home has been well cared for. If you can afford it, consider hiring a cleaning service.
If not, wash windows and leave them open to air out your rooms. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Wash light fixtures and baseboards, mop and wax floors, and give your stove and refrigerator a thorough once-over.
Pay attention to details, too. Wash fingerprints from light switch plates, clean inside the cabinets, and polish doorknobs. Don’t forget to clean your garage, too.

G.M. Filisko is an attorney and award-winning writer who has found happiness in a Chicago brownstone with the best curb appeal on the block. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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July 4th fireworks 2014 in Lucas County

It’s getting around that time again. Here is a list of fireworks on and around July 4th 2014 in Lucas County.

 

Fireworks 5049

Fireworks 5049 (Photo credit: Wikipedia)

 

Maumee Spectacular Fireworks

Date:  July 3, 2014 at Dusk
Where: 100 East Wayne  in MaumeeOhio 43537 Find more fireworks displays in Maumee, Ohio

Sylvania Star Spangled Celebration

Date:  July 3, 2014 at Dusk

Where: Centennial Terrace 5773 Centennial Road  in SylvaniaOhio 43560 Find more fireworks displays in Sylvania, Ohio

Toledo Red White Kaboom Fireworks

Date:  July 4, 2014 at Dusk
Where: Promenade Park; Festival Park & International Park Water St  in ToledoOhio 46305 Find more fireworks displays in Toledo, Ohio

Waterville Red, White and Boom

Date:  July 4, 2014 at 10:00pm
Where: Waterville Primary School 457 Sycamore  in WatervilleOhio 43566 Find more fireworks displays in Waterville, Ohio

Swanton Independence Day Fireworks

Date:  July 5, 2014 at Dusk
Where: Swanton High School Football Field 601 North Main St  in SwantonOhio 43558 Find more fireworks displays in Swanton, Ohio

Whitehouse Sesquicentennial Celebration

Date:  July 5, 2014 at 10:00pm
Where: Village Hall 6925 Providence St  in WhitehouseOhio 43571 Find more fireworks displays in Whitehouse, Ohio
Thank you to fireworksinohio.com for this information. If you have more to add just drop us a message mail@wellesbowen.com

Mike Tester Presents This Article – 7 Tips for Improving Your Credit

7 Tips for Improving Your Credit

By: G. M. Filisko Published: February 25, 2010

English: First 4 digits of a credit card

English: First 4 digits of a credit card (Photo credit: Wikipedia)

Here’s how to clean up your credit so you get the least-expensive home loan possible.

 Getting the loan that suits your situation at the best possible price and terms makes homebuying easier and more affordable. Here are seven ways to boost your credit score so you can do just that.

1. Know your credit score

Credit scores range from 300 to 850, and the higher, the better. They’re based on whether you’ve paid personal loans, car loans, credit cards, and other debt in full and on time in the past. You’ll need a score of at least 620 to qualify for a home loan and 740 to get the best interest rates and terms.

You’re entitled to a free copy of your credit report annually from each of the major credit-reporting bureaus, Equifax, Experian, and TransUnion. Access all three versions of your credit report at www.annualcreditreport.com. Review them to ensure the information is accurate.

2. Correct errors on your credit report

If you find mistakes on your credit report, write a letter to the credit-reporting agency explaining why you believe there’s an error. Send documents that support your case, and ask that the error be corrected or removed. Also write to the company, or debt collector, that reported the incorrect information to dispute the information, and ask to be copied on any materials sent to credit-reporting agencies.

3. Pay every bill on time

You may be surprised at the damage even a few late payments will have on your credit score. The easiest way to make a big difference in your credit score without altering your spending habits is to diligently pay all your bills on time. You’ll also save money because you’ll keep the money you’ve been spending on late fees. Credit card or mortgage companies probably won’t report minor late payments, those less than 30 days overdue, but you’ll still have to pay late fees.

4. Use credit carefully

Another good way to boost your credit score is to pay your credit card bills in full every month. If you can’t do that, pay as much over your required minimum payment as possible to begin whittling away the debt. Stop using your credit cards to keep your balances from increasing, and transfer balances from high-interest credit cards to lower-interest cards.

5. Take care with the length of your credit

Credit rating agencies also consider the length of your credit history. If you’ve had a credit card for a long time and managed it responsibly, that works in your favor. However, opening several new credit cards at once can lower the average age of your accounts, which pushes down your score. Likewise, closing credit card accounts lowers your available credit, so keep credit cards open even if you’re not using them.

6. Don’t use all the credit you’re offered

Credit scores are also based on how much credit you use compared with how much you’re offered. Using $1,000 of available credit will give you a lower score than having $1,000 of available credit and using $100 of it. Occasionally opening new lines of credit can boost your available credit, which also affects your score positively.

7. Be patient

It can take time for your credit score to climb once you’ve begun working to improve it. Keep at it because the more distance you put between your spotty payment history and your current good payment record, the less damage you’ll do to your credit score.

Other web resources

How FICO scores are calculated

Answers to frequently asked credit report questions

G.M. Filisko is an attorney and award-winning writer who keeps a close eye on her credit scores. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

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