RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Check Credit before Considering a Move

July 23, 2015 1:18 am

(Family Features) When planning to buy a home, your first of order of business shouldn’t be creating a wish list – it should be reviewing your credit. While it’s possible to buy a home without a mortgage, most people don't have that kind of cash, and your credit is a major factor in lender decisions.

"Before applying for any loan, be sure to check the state of your credit," says President Scott Smith. "Owning a home is a big part of the American dream, but home loans can be very complex, and doing all of the proper research from the beginning, including completing any necessary credit repair up front, will make the process that much simpler."

Smith recommends homebuyers follow these tips to evaluate their credit report and/or rectify any errors.

Get a copy of your credit report. You are entitled to one free credit report from each of the three major credit bureaus each year by law. In some states, you are entitled to more than one free report a year.

Analyze your credit report. Carefully scrutinize your report to identify any errors that can help boost your score and request corrections for all erroneous information.

Keep all credit card accounts open. Closing an unused credit card account can actually negatively affect your credit. Fifteen percent of your score is based on credit history.

Make all payments on time.
Payment history accounts for a whopping 35 percent of your credit score.

Give yourself time. Good things do come to those who wait. Take the time to repair and build up your credit. It could save you thousands of dollars down the road.


Published with permission from RISMedia.


4 Home Improvements Projects to Tackle This Summer

July 23, 2015 1:18 am

Summertime is ideal for projects around the house to not only prepare for the coming months, but to also add value to your home. "The summer months continue to be quintessential for home maintenance, and it's important to stay on top of projects like inspecting your siding or windows, setting up larger replacements like a new roof, as well as other curb appeal enhancements while the weather is warmer," says Power Home Remodeling Group Vice Presidents of Operations Matt Hess. "Checking the right improvement projects off your to-do list will create the best return on investment for your home and save you money in the future — making life easier leading into fall and then the holiday season."

According to Power, homeowners should focus on completing one or all of these projects before the season ends.

1. Make your home more energy-efficient.

High energy bills during the summer months can be avoided by increasing a home's energy efficiency. Consider investing in new doors and energy-efficient windows that not only reduce expenses, but protect window treatments, floors and furniture from fading. Look for heat resistant windows that are much more effective at keeping heat and humidity at bay. Cut down A/C usage by turning the thermostat up during the daytime hours, or consider installing a programmable thermostat.

2. Beautify your home's exterior.

Enhanced curb appeal has been linked to increased value and return on investment. Inspect your exterior for loose or rotted siding, and consider power washing or repainting if it’s time for a revamp. You may want to consider installing a new roof, as well – the seasonal weather will work in your favor. And don’t forget about refreshing your home's landscaping to complete the new and improved look.

3. Create your own backyard paradise.

Turn your backyard into a getaway and every weekend will feel like a vacation! Consider the atmosphere first. Hang dim LED lights throughout the yard, cut back shrubbery and plant a variety of bright, tropical flowers. Then, think about entertaining. Spruce up summer dinner parties by making sure the grill has been inspected and cleaned and consider installing an outdoor speaker.

4. Bug-proof your home.

Call in an exterminator in the beginning of the season to avoid a run-in with an unwanted guest or an irritating buzz while enjoying your home this summer. Be sure to store trash properly and only throw out food in trashcans with a lid. To prevent entry into your home, make sure screens free of holes are installed on both windows and doors.

Source: Power Home Remodeling Group

Published with permission from RISMedia.