Better your Credit Score

Posted in Bob Ashworth, Buying a Home SWFL, Cape Coral Real Estate, Cape Coral Realtor, Clean Credit, Credit Report, Credit Score, Homes for Sale SWFL, Improve Credit Score, Lee County Homes, Realtor, SWFL Real Estate

If you’re looking to buy a home or condo in the Southwest Florida area in the near future, you’ve come to the right place! My pledge to you as a home, land or condo buyer is to work with you to identify your wants and needs, and then work to fit those within your budget. I will never try to sell you a property, I will help you buy one; the one that is right for you and your budget. I’m always looking for way to help my clients prepare for their new purchase. Below are some useful tips I recently came across on how to better your credit score so you can get the best home loan possible!

How To Improve Your Credit Score

The 411 on how to improve your credit score

If you’re asking yourself how to improve your credit score, you’ve already taken the first step. It means you understand that, while you may not be able to improve your credit score overnight, learning how to improve your credit score is very important.Everyone’s situation is unique. But no matter who you are, there are a few things you should pay attention to when trying to improve your credit score.

Tips for healthy credit

Be a better credit manager

Getting better at managing your credit could not only improve your credit score, it can save you hundreds of dollars, if not thousands, down the road. And it isn’t hard to do. It just takes time, discipline and a little knowledge about the credit scoring system.

Don’t be late

Late payments, collection notices, and bankruptcies have the greatest negative effect on your credit score. That’s why one way to improve your credit score is by paying your bills on time.

Keep balances as low as possible

Your credit balances shouldn’t be more than 35% of your available credit limits. For example, if you have one credit card with a $2,000 limit and you want to improve your credit score, keep your balance under $700.

Put time on your side

The longer you can prove you have maintained good credit, the better. One way to improve your credit score is to establish a long history of paying your bills on time and using credit responsibly. If you keep the oldest account on your credit report open, that can demonstrate a longer period of active credit use.

Avoid excessive credit checks

Every time you apply for a new credit product, an inquiry into your credit is made. If creditors or lenders see a high number of inquiries over a short period of time, they may think you are taking on more debt than you can handle. So, while establishing credit history is an important part of learning how to improve your credit, make sure to apply for new credit in moderation.

Click here to read more on the TransUnion website.

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at  239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Sincerely,
Bob Ashworth

The Market is Changing!

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home SWFL, Cape Coral Real Estate, Cape Coral Realtor, Clean Credit, Credit Score, Florida Real Estate, Home Affordability, Homes for Sale SWFL, Lee County Homes, Realtor, Selling your Home, SWFL Real Estate

Buyers who have been waiting on the sidelines for home or condo purchases in SW Florida should wait no longer. The median price of all single family homes in Cape Coral sold during the month of January 2012 rose 33% since January 2011 from $89,525 to $119,000 in January 2012. Condo values appear to have bottomed out and are showing signs of pressure towards higher prices. The unprecedented value at which homes and condos could be purchased for is slowing but surely slipping away as we lean towards a more normal market.

In addition, due in part to low prices and historically low interest rates, home affordability conditions have reached their highest level since record keeping began in 1970. Rarely do we see low prices and low rates at the same time. Buyers over the past 2 years have been able to solidify their financial futures in these tough economic times by purchasing a home at 1/2 it’s “true” value, while financing it at severely depressed rates saving them even more money monthly, and over the term of their mortgage.

Unfortunately qualifying for a home loan is more difficult today than it has been at almost anytime in the past, with the exception of when you were required to have a 20% down payment. Today it is so important to keep your credit clean, and to be able to document all income either through W2 and or pay stubs if employed or with copies of your tax return, 2 years please!, if self employed.

We invite you to like us on facebook, follow us on twitter and connect with us on linkedin. We hope that you find our website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

We will always be available for personal service by phone or email, so feel free to contact us with questions any time! My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

Sincerely,
Bob Ashworth

Welcome to Bob’s Blog

Posted in Bob Ashworth, Bob Ashworth Realtor, Buying a Condo, Buying a Home, Buying a Home SWFL, Cape Coral Real Estate, Cape Coral Realtor, Florida Real Estate, Homes for Sale SWFL, Lee County Homes, Realtor, Selling your Home, SWFL Real Estate

Hello and thank you for visiting my blog. I know that buying or selling a home is one of the most important things you will ever do, and we want to help make that experience as smooth and successful as possible.

My name is Bob Ashworth, Realtor, CBR, CDPE and I’d like to welcome you to my blog! I specialize in helping buyers and sellers navigate the ever-changing waters of the SW Florida real estate market. This space is designed for bringing you the latest information, news, details, tips, advice, do’s and don’ts in the real estate industry. I’m here to educated you and create awareness on those topics that you need to know about in order to make the best decision that’s right for you!

My offices are located on 2326 Del Prado Blvd. S., Cape Coral, FL 33990. You can reach me at 239-425-2503 or email me at Bob.Ashworth@gmail.com and you can visit my website at www.BobAshworth.com.

My extensive experience and expertise in the Cape Coral, Fort Myers, Fort Myers Beach, North Fort Myers, and Lehigh Acres real estate market will benefit you whether you are looking to buy or sell a home in the area.

Buying a home?

Buyers benefit from my experience and negotiating skills. 

My pledge to you as a home, land or condo buyer is to work with you to identify your wants and needs, and then work to fit those within your budget. I will never try to sell you a property, I will help you buy one; the one that is right for you and your budget.

Selling your home?

Sellers benefit from my Unique Home-Selling System.

I’m committed to selling your home in the least amount of time, and for the most amount of money that the market will bear. We’ll accomplish this by posting multiple photos and virtual tours to dozens of websites, utilizing a 24 hour toll free hotline, and creating a property address specific website with a Quick Response code.

I invite you to like my business page on facebook, follow me on twitter and connect with me on linkedin. I hope that you find my website to be a great source of information and visit often. Whether you are looking for Homes for SaleMoving Resources, or even Mortgage Information everything you need is right here.

I will always be available for personal service by phone or email, so feel free to contact me with questions any time!

Sincerely,
Bob Ashworth