How To Increase My Credit Score? Insider Credit Tips…

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Are you excited to start shopping for a new home? We are excited for you!

Here is the "How To Increase Your Credit Score" and Get Insider Credit Tips from your Realtor and Lender.

Dave Radcliffe of The Radcliffe Group, Keller Williams Realty Southwest Las Vegas and Wes Friedman with Southern Fidelity Mortgage are here as your guides to get you successfully through home buying and lending process.

 

Pulling your credit is the starting point in getting a home loan and starting the shopping experience. Pre-qualifying early when looking to purchase a home is a key element, not to be overlooked. Your Realtor will work with and partner you with a lender that can help. Understanding your credit is a key factor as there are a lot of things that are taken into consideration when applying for financing.

For example:

1. What type of loan will you get? (This will directly relate to how much of a home you can afford (monthly payment and needs for down payment.)
2. What will your interest rates be? (Is it time to lock in your rate?)
3. What length of time will it take for your loan to go through? (How much time will be needed to process your paperwork and any needed credit repairs.)
4. Do I need to make credit repairs? (Where do I start?)

Here are a few key elements in increasing your score:

Limits/ Balance:

Are you maxed out on your credit cards? A high balance is considered over extended credit. What is a high balance? 20% of the high credit limit or more is considered high. A maxed out and over extended card will report negativity to the credit bureaus so watching your limits and paying down balances owed is very important. Keeping your card at a manageable balance (one that you can pay down timely) is a key factor to increasing your credit score.

Collections:

Do I pay them off?- We know that sometimes people get into trouble and end up in collections. Paying off your balances can be important (BUT STOP and KEEP READING). Paying off the collections seems to be the right thing to do (Right?) BUT understand that you should NOT PAY OFF a collection unless the creditor agrees to DELETE the collection reporting. Once you pay off the debt, you have no negotiating leverage to get your credit cleaned up. (You won’t owe the balance, but it will still show negatively on your reports.

New vs. Old- The date of a collection can affect your credit score. Newer collections have more of a negative impact (even if they are for lesser debts) than some of the older collections. Lenders want to see you have changed your bad habits and can be trusted to stay current.

Authorize User Account vs. Join Account Holder:

Underwrites will make you remove an authorized user account because typically it is Mom and Dad adding you to their credit lines (so you have a card), and this does not show the propensity for you to repay your bills (because Mom and Dad pay it). Lenders know this. If you are going to be added to someone else’s trade line, do it as a join account holder not an authorized user account. Lenders want to see you take on the responsibility and ownership of paying off your own debt. (Don’t open a new trade line without speaking to your Lender first.)

Not using your credit cards?

Credit card inactivity can actually hurt your credit. The rule of thumb is to have 3 active revolving lines of credit. If you are only using 2 of your 3 cards, the unused card may be reporting negatively. Use each of them sparingly and pay them off monthly.

Who’s looking at your credit?

Watch inquiries- Going from one creditor/mortgage shop, to the next to the next will cause scores to drop. A good Lender will provide you with a credit report and you can still do comparison shopping without affecting your score.

Mortgage Debt:

A mortgage is an important part of your score. 35% of credit composite is mortgage history. Without a perfect mortgage history you cannot have a perfect score.

Best Advice:

First: Get copy of credit report and have it analyzed by a professional. If you need to make repairs to your credit it can take 4-6 months to improve it and change your qualifying ability at the highest and best rates available.

Don’t assume you know what you are doing on your own, give Wes a call and he will set you up with a FREE ANALYSIS and get you on your way to home ownership. We are here to help you get the lowest interest rate at the best possible house.

Contact us:

Thank you so much for watching. If you need more information go to my website or give me call. As always, we always love to talk to you about all of your Las Vegas, Centennial Hills, Summerlin, and North Las Vegas real estate needs. (702)379-3401 www.DaveRadcliffeVegas.com

Las Vegas Appraisal Institute Interviews Top Expert Realtor- David Radcliffe

Dave Radcliffe Featured at the Las Vegas Market Symposium

The Las Vegas Chapter of the Appraisal Institute has invited David Radcliffe, Realtor/Owner of The Radcliffe Group of Keller Williams Realty Southwest Las Vegas to be an expert panelist at the 2014 symposium. As a top producing Realtor, Dave reports regularly on the current real estate market in Las Vegas to include some of his specialty areas such as Summerlin, Centennial Hills and North Las Vegas. Dave has a passion to educate the community and a heart for the Military, with much involvement with Nellis Air Force Base and Las Vegas Metro Police Law Enforcement Departments and Fire Teams and had special offers available for those serving. Dave is well versed in the current real estate market conditions including Single Family Residential, New Construction and Luxury homes in the greater Las Vegas area. Dave has created a video series on the current hot topic of HOA Super Priority Lien Ruling, Credit Issues and Increasing your Credit Score, The Las Vegas Foreclosure Market, General Home Buyer and Home Seller Education Series and Where Law Meets Real Estate. Subscribe to his YouTube Channel to get all of the latest updates. Give Dave a call to learn about how he can help represent you in your next real estate transaction. (702)379-3401 www.DaveRadcliffeVegas.com--   

Las Vegas Market Symposium Featuring guest panelist David Radcliffe

Written by Nickel Lowman

Subscribe to his YouTube Channel to get all of the latest updates. Give Dave a call to learn about how he can help represent you in your next real estate transaction. (702)379-3401 www.DaveRadcliffeVegas.com--

How Las Vegas Celebrates National Chocolate Day

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"National Chocolate Day is celebrated annually on October 28.  While there are many chocolate related holidays throughout the year, National Chocolate Day is a day to celebrate all things chocolate." A few of my favorite "Chocolate Destinations" here in Las Vegas are Ethel M's Flagship Store & Factory that has a super cool cactus garden (especially during the Holiday Season with an amazing lights display), Hershey's Chocolate World- 2 stories of yum! and M&M World where you can get everything M&M's and even custom print your own, in store! Enjoy National Chocolate Day and check out some of these Las Vegas Tourist Attractions.

Ethel M--

Visit one of our Ethel M® Chocolate stores and choose from our collection of premium chocolates, create a personalized gift for a friend or loved one, or take a self guided tour of our cactus garden and chocolate factory to see how we have been making chocolate for over 100 years.

Flagship Store, Factory Tour & Cactus Garden

2 Cactus Garden Drive, Henderson, NV 89014

Phone: (702) 435-2655 or  (702) 435-2608

Store Hours: Mon. - Sun. 8:30am to 6:00pm

Factory Tours and Cactus Garden is Free and Open to the Public

Monday – Thursday 8:30am to 4:30 pm

Hershey's Chocolate World

HERSHEY’S CHOCOLATE WORLD Las Vegas store is a two-story destination that features all things HERSHEY’S. This new retail experience offers guests a chance to create their own HERSHEY’S happiness through a variety of interactive experiences such as personalizing HERSHEY’S chocolate bar wrappers and finding their own REESE’S PERFECT combination.

The HERSHEY’S CHOCOLATE WORLD store also offers a variety of opportunities for guests to share their experience with friends and family via social media - just part of the immersive technology that will make the store a must see interactive chocolate experience. The HERSHEY’S CHOCOLATE WORLD Las Vegas store is a whimsical and imaginative taste-exploring experience where chocolate lovers from around the world can enjoy unique HERSHEY’S candy experiences, fresh made HERSHEY’S sweets and a wide selection of gifts.

New York-New York Hotel & Casino, 3790 S Las Vegas Blvd., Las Vegas, NV 89109

9 a.m. - 11 p.m.; 7 days a week

Phone (702) 740-6969

About M&M'S World®

Offering a wide range of M&M'S chocolates and merchandise, the M&M'S® World stores reflect the huge popularity of M&M'S®, the world's most popular confectionery brand. The stores' merchandise includes apparel, kitchenware, bedding, jewelry, and glassware, as well as seasonal items and specially-designed M&M'S® branded items that reflect the personalities of the cities – Las Vegas, New York City, Orlando, Henderson and London – where the stores are located.

Our first location opened in Las Vegas in 1997, in the Showcase Mall next to the MGM Grand. This four-story retail center features a gift shop on the first floor. Choose from a variety of personalized key chains, charms, mugs and every souvenir imaginable. If you can't find your name, no worries – you can actually customize your own ID tag. 

The second floor offers a wide selection of candy dispensers and T-shirts, but the truly phenomenal site is the rainbow wall featuring 22 different M&M'S® colors. Simply M-azing!!
The third floor is dedicated entirely to collector's items and on the fourth and final floor, you'll find luggage and home décor. In 2010 M&M’S World® launched the Personalized Printer, its newly-developed MY M&M’S® experience, allowing store guests to create and print personalized messages and popular Las Vegas icons on M&M’S® Chocolate Candies on demand, on location.

You'll also get an up-close look at a replica of Kyle Busch's 18 M&M'S® sponsored race car.
As you ascend by escalator, you'll see a timeline of how the M&M'S® characters have evolved throughout the years. These walls showcase humorous movie posters as well. 

And speaking of movies, you can catch a 3-D film while you're here. Movies play from 10 am - 6 pm Sunday through Thursday and 10 am - 8 pm Friday and Saturday. 

Written by Nickel Lowman with content quoted from:  

About M&M'S World®, Hershey's Chocolate World, Ethel M

Radcliffe Group
Keller Williams Realty Southwest Las Vegas
(702)379-3401 www.DaveRadcliffeVegas.com

Mobile Mortgage App with Southern Fidelity Mortgage

(702) 379-3401 www.DaveRadcliffeVegas.com--- 

Dave Radcliffe of the Radcliffe Group of Keller Williams Realty Southwest, introduces Wes Friedman with Southern Fidelity Mortgage. Wes is one of our preferred Lenders and Video Sponsor. Wes has a great mobile application that will simplify your projected mortgage calculations and figure out your mortgage payment based on any loan you can qualify for. Connect with Wes by downloading his app and apply through the app directly for a loan. Download the app here: http://www.wesley.mortgagemapp.com. 

Connect with Dave and West at: (702) 379-3401 

Centennial Hills Las Vegas Real Estate Market Update

(702)379-3401 www.DaveRadcliffeVegas.com

Centennial Hills Market Update News for North Las Vegas

There are a lot of great things going on in the Centennial Hills Community: The Community Broke Ground on Sky Canyon a new master planned community. Mall Grand Openings 2015; Schools Parks, and Fire Stations are on the horizon, with lots more coming soon. There is an $18 Million Dollar Floor Control Project that should be done by year end. Lot's of New Home Builders are constructing homes in the area: KB, DR Horton, Toll Brothers, Williams Lyon, Richamond America, and Lennar.

We can represent you in your new home purchase, there is no reason to be un-represented. 

Market Statistics Single Family Homes: 583 active properties, 375 contingent/pending homes, 166 sold; there is less than 90 day inventory in Centennial Hills. Condo Market: 45 active condo, 35 pending, and 20 sold; its a very active market. Median in the area: 2284 sq ft house, $244,000.00 sales price with an average of 27 days on market, with $111 as the average price per square foot.

For more information about Centennial Hills Real Estate and the local Las Vegas Community, give us a call or visit our website, we are happy to help. 

(702)379-3401 www.DaveRadcliffeVegas.com

Real Estate Horror Stories- I Chose My Own Lender Against my Realtor's Advice.

(702)379-3401 www.DaveRadcliffeVegas.com

Real Estate Horror Stories- I Chose My Own Lender Against my Realtor's Advice.

Dave Radcliffe, Realtor with Keller Williams Realty Southwest Las Vegas, interviews client Roz, about her recent real estate transaction where she decided to choose her own lender. "It was a night mare!" Buying a home can be stressful, choosing your own lender and not having it work out can be terrifying. She chose a family friend. The lender she chose could not close the deal and she was faced with not having a place to live and the possibilities of loosing $65,000.00!

Roz finally decided to take the advice of The Radcliffe Group and Dave's team matched her with a different lender that was able to close the deal.

The lesson learned: Follow your Realtor's advice if you are choosing a vendor. Don't go with a family friend.

We are happy to help! Give us a call or go to our website for more information. (702)379-3401 www.DaveRadcliffeVegas.com

Send us your story, you may be featured in an upcoming series.

Summerlin Las Vegas Market Update September/ October 2014

(702)379-3401 www.DaveRadcliffeVegas.com--

Summerlin Las Vegas Market Update--- Summerlin Update: Great things are happening. Lots of new stores, personal services and lots of new restaurants in Downtown Sumemerlin that opened early October.

New home builders are booming right in the area, with lots of construction taking place.

Summerlin Market Statistics: 397 active properties, 159 contingent  properties on the market and 98 sold last month. September was a bit slower, with the return of kids to school.  With an average square footage of 2020, there is an average selling price of $316,000 sales price, that's $153 per square foot. There is only an average days on market of 23 days, it's a great time to close on a home in the area.

Dave Radcliffe, The Radcliffe Group, Keller Williams Realty Southwest 702-379-3401 www.daveradcliffevegas.com