Robin Stone

The 3 credit reporting agencies are Equifax, Experian and TransUnion.  For a real estate mortgage, there would be a tri-merge or credit score average from all 3 for your score.  There are factors that affect your score such as serious delinquency, too many accounts with balances, too many inquiries in the last 12 months, number of delinquent accounts and high balances on revolving accounts.  A good payment history will offset these credit factors.  You should dispute incorrect information in writing and have duplicate information eliminated by reviewing your credit report yearly at www.annualcreditreport.com which is free.  Secured credit cards or credit cards even at $500, if paid on time for a period of time will increase your credit score.  Get a free credit score at www.creditkarma.com (one score from one credit reporting agency) which will tell you where you stand.

The best way for buyers to find your home or property is online.  Your home can be viewed 24/7 with online marketing.  We give you suggestions to enhance the marketability of your home and the online marketing does the rest.  We are your strategic partners in selling your home or helping you buy the home that meets your needs for many years to come.  We will review hundreds of pages of data to discover what is the best way to market your home from A to Z.

Buyers: 1ST TIME HOMEBUYERS, OUT OF STATE BUYERS, VETERANS and SELLERS

When I helped a 1st time homebuyer purchase his home for himself and his family. The purchase went well. The buyer was informed and asked questions along the process.

I had a medical supervisor that wanted me to attend real estate classes with her so we could get our license together.

Certified Military Relocation Specialist