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In today’s market, your credit score is more important than ever. A difference of just a few points can mean a lower interest rate over the life of a loan – saving you thousands – or the difference between the approval and denial of your loan application.

That is why it is important to do everything you can to boost your credit score in the months leading up to applying for a home loan.

Here are five things you can do to potentially boost your credit score.

Check the Accuracy of Your Credit Reports

By law you are allowed to request one free credit report each year, so go ahead and request your credit report several months before you intend to apply for a loan. According to an eight-year study released by the FTC, 25 percent of consumers identified errors when they reviewed their credit reports. That’s a staggering number when you consider that even a small error can have a significant impact on your credit score.

Fortunately, you are allowed to dispute inaccuracies in your credit report and credit monitoring agencies are required to address any disputes in a timely manner.

So, before doing anything, request your credit report from all three agencies and check that it is accurate.

Reduce Your Credit Card Balance

Lenders typically do not look favorably on large credit card balances. If you use credit cards regularly, reduce your balance to 10 to 30 percent of your limit a few months prior to applying for a loan.

Ask for Late Payment Forgiveness

At one time or another, most of us have been late paying a bill – especially during the recent economic downturn. What most people don’t know is that they can request a “goodwill deletion” from a company and remove the black mark from the credit report entirely. Many companies are willing to do this for their customers if the late payment was a one-time occurrence. It never hurts to ask.

Keep Your Accounts Open

Reducing credit card debt is good; closing credit card accounts is bad. Length of credit history is factored into your overall credit score and can account for as much as 15 percent of the total number. If you close old, established accounts your credit score could suffer even though you have less debt.

Pay All Bills on Time

Recent activity is often more important than what you did several years ago. If you have a few bad spots in your credit history, do your best to pay your bills on time and in full for several months before applying for a loan. This will demonstrate to lenders that you are not a credit risk as well as boosting your credit score a few points.

Repairing damaged credit takes time. It’s not something that can be done in a few weeks. So, get started early – at least three to six months before you plan to buy a home – to give your efforts time to bear fruit. Contact me today for a consultation. I will be happy to answer any questions you may have and/or help you find your dream home.

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo courtesy of Simon Cunningham at Flickr.com.

1st Annual Cypress Creek Regatta

by Chris Wylie

Mercer Arboretum, Humble, Texas

Are you and your family prepared to indulge in the most exhilarating event of the year?  If so, you will absolutely not want to miss out on the opportunity to be among the first attendees at the 1st Annual Cypress Creek Regatta happening.  Destined to become an annual tradition, the experience will be one that your family will not soon forget.  Whether you are an avid paddler, or you have never found yourself in a kayak or canoe, the Regatta welcomes individuals of all ages and skill levels to participate.

Ready, Set, Paddle!!  Although the occasion claims to be a race, you can elect to set your goals high to receive an award, or you can merely settle for taking it slow, luxuriating in the panoramic views along the 7.5 mile course.  The event is being held to celebrate the opening of the new Cypress Creek Paddling Trail, which will be recognized with a pre-race ribbon-cutting.  And have no fear if you are not equipped with your own vessel.  Local kayak and canoe outfitters will be delivering rentals to the starting line, and then will pick them up at the finish.  The course will begin at Mercer Arboretum, with the finish line at Jones Park.  It is here that awards will be given out, and a post-party will commence.  Live music will fill the air, courtesy of the internationally-acclaimed band, Avaghys.  And, merchants of all sorts will be on-site, including a variety of food and drink vendors. 

Registration costs to partake in the 1st Annual Cypress Creek Regatta event are $45.00 if registering in advance, or $50.00 for race day registration.  To pre-register online, please click here.

This weekend do not forego the chance to navigate Texas’ newest paddling trail at the 1st Annual Cypress Creek Regatta event.  Fun for the whole family, you can’t beat a day on the water and remarkable sights and sounds of nature at beautiful Cypress Creek!

Saturday September 13th

7:30 AM Regatta registration opens
8:45 AM Paddling trail dedication ceremony
9:00 AM Race begins
11:00 AM-2:00 PM Celebration festival

For more information regarding the 1st Annual Cypress Creek Regatta event, please click here.

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo courtesy of Hillebrand Steve, U.S. Fish and Wildlife Service/public-domain-image.com.

9/11- NEVER FORGET!

by Chris Wylie

Today, September 11, 2014- we should all take a moment and be thankful for our lives and for those who fought for our lives. Those who lost theirs in such tragic terror 13 years ago will never be forgotten and their families forever in our thoughts. The Chris Wylie Team supports and prays for our troops on and off the battlefield. Read more here...

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo credit: williambacky.com & conservativedailynews.com

Life Hacks: How They Saved Me Time and Money

by Chris Wylie

When you have little time, and little cash, upkeep on you home and life can be frustrating. I feel your pain. While trying to decide how to organize my house, and make cleaning quicker (and easier) I began to search around for ideas from friends and online. I came upon several sites that actually help you with these tasks! They are called “Life Hacks” and they are miracle workers for sure! They were full of creativity and I could not believe that I had not already thought of some of these awesome ideas I found! These Life Hacks are going to change your life in a positive and shocking way! Not only did I learn new ways to keep up with cleaning, I found ways to organize, kill bugs, and even fix things! Plus so much more. I have provided for you the following links that have made my life easier, home cleaner and saved me money! Enjoy!

Chemistry Life Hacks
 
Life Hacks That Make Things Easier
 
Read more here...
 

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Image courtesy of LifeHacker.com

New Rental and New Price Reduction!

by Chris Wylie

New Rental - 17006 Kettle Creek Drive!

Absolutely fabulous remodel! Very clean and ready for move-in. Owner has taken great care to make this home a wonderful place to live. Everything has been refinished. Granite kitchen with new hardware, both baths completely updated. Recent paint and flooring (laminate and tile). Faux finish on fireplace is gorgeous. HUGE second patio. All of this on corner lot. This will not last long. Klein ISD. Great neighborhood with lots of amenities!

New Price Reduction - 17423 Arbor Spring!

Looking for a wonderful family home? Vacant and ready for move in. Custom on a cul-de-sac lot. Formals, awesome island kitchen overlooks breakfast room and family room. Slate floors and built-ins. Private study, master down, gameroom up, split staircase, large bedrooms, great storage. 9-12” ceilings throughout, crown molding and custom baseboards. Backyard is perfect for a pool. More information here...

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Preparing for a Home Inspection

by Chris Wylie

Part of the normal process of selling a home is the home inspection. It is an opportunity for the buyer to verify that everything as it seems with the home and there will be no unwelcome surprises.

For good reason, a home inspection is the source of some anxiety for many sellers. What if they find something wrong? What if the buyers back out?

Some anxiety is completely normal. After all, no matter how well you know your house, there’s always the chance that there could be a hidden flaw or something you have overlooked over the years.

There’s always the possibility of a surprise, but there are steps you can take to make the home inspector’s job easier and that can encourage the home inspector to be a bit more generous in his assessment of your home.

Declutter Your Home

Inspectors don’t like to move or climb over things. Make sure that your attic, garage and basement are easy to access. In addition, clean out under the sinks so that the inspector can easily inspect the pipes. Make your home flashlight easy.

Gather Any Necessary Paperwork

Home inspectors are less likely to examine your home with a fine-toothed comb if you can prove that regular maintenance has been performed. Gather all documents related to the maintenance of your home and place them in a binder. Leave this binder out on the table for the home inspector.

Unlock All Doors and Gates

The last you think you want a home inspector to think is that you have something to hide. Make sure that you unlock all doors and gates – including those to out buildings such as sheds and pool houses.

Clean Your Home

A dirty home does not mean that there are structural problems, but a clean home implies that the owner takes pride in ownership and performs regular maintenance on the home. So, give your home a once over before the home inspector is scheduled to arrive.

Go Out to Lunch

Home inspectors prefer to be alone while they are doing their jobs. Don’t hover. Go out to lunch for a few hours and allow the inspector to work unsupervised.

Remember, home inspectors are like anyone else; they have a job to do. Don’t make it any harder than it has to be. Make their job easy and quick, and they are that much more likely to give you a favorable report. Contact me today for a consultation. I will be happy to answer any questions you may have, and/or help you determine the value of your home.

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo courtesy of Chris Hemingway at Flickr.com.

Big Texas Train Show

by Chris Wylie

George R. Brown Convention Center, Houston, Texas

There are no exceptions when it comes to the mantra, “everything is bigger in Texas”, even when it comes to the train shows that roll through town.  This weekend the George R. Brown Convention Center is honored to be the venue for the Big Texas Train Show event.  The happening guarantees to provide two BIG days of entertainment for train enthusiasts of all ages.

Walking into The Big Texas Train Show event will be comparable to stepping into a genuine, train lover’s paradise.  Featuring over 100,000 square feet of model trains, exhibits, displays, vendors, and more, the spectacle will simply take your breath away. Every kind of train from tiny Z-scale, to the monstrous Garden-size trains will be riding the rails, courtesy of local model railroad clubs and organizations. Railroad Museum and club representatives will be present, providing exhibits to educate your family to the rich heritage that lies behind the railway system.  Displays will be scattered about the Convention Center, offering your family a unique educational experience, following the railroad from its inception to present day.  Vendors will also be on-site, selling model trains, train sets, toy trains, books, collectibles, and more.  Door prizes will be given out throughout the course of the weekend, as your family partakes in this Texas-sized, train spectacular.

Admission to attend the Big Texas Train Show event is only $9.00 for adults, and children ages 16 and younger will be admitted for free.  Tickets can be purchased at the Convention Center’s box office, the day of the event.

This weekend, don’t miss out on the opportunity to revel in the Big Texas Train Show. The exhibition upholds the longstanding Texas tradition of tendering all things “big”, delivering an amazing train show and fun family event!

Saturday September 6th from 10:00 AM-5:00 PM

Sunday September 7th from 10:00 AM-4:00 PM

For more information regarding the Big Texas Train Show event, please click here.

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo courtesy of Graham Causer/en.wikipedia.org.

How To Know Fashion After 60

by Chris Wylie

Fashion. Every woman has this as a second sense. It doesn’t just walk out the door after you turn sixty. Although, it is rare that their style ever changes. Some women just need a little guidance to know what is in style and what is out. In the following article by “The Budget Fashionista” -You will learn what to keep and what to throw away. You will gain tips about colors, and clothing types, plus much more to get you back in the current fashion style. Read more here...

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo credit: doseofvitaminf.com

Are You Making These 6 Costly Mistakes When Selling Your Home?

by Chris Wylie

People that want to sell their home know that they need to clean and spruce their place up prior to putting it on the market, but there are several common mistakes that many sellers make that can potentially have a greater impact than just unswept foyer or some soap scum on the shower door.

Here are six mistakes sellers make that can potentially negatively impact the final sale price of your home. Do your best to avoid them.

Failing to Get a Home Inspection

This normally applies to older homes but can apply to newer homes in certain instances. If you think your home might have problems that will require repair, get a home inspection prior to listing. This will allow you to identify and repair problem areas of the home on your own time and budget before negotiating with a buyer.

Not Properly Preparing Your Home for Sale

In a competitive market, the first impression is essential. You want to take full advantage of that rush of agents and potential buyers that occurs in those first few weeks after listing. So, help your home show well by repainting, fixing any minor problems and thoroughly cleaning it inside and out. Some sellers hire professionals to do this for them.

Trying to Hide Issues with the Home

Hanging a painting over a hole in the wall or a throwing a rug over that huge water spot in the middle of the floor might seem like a good idea at the time, but it isn’t. Today’s buyers and their agents are remarkably adept at finding these hidden problems. If you cannot afford to fix them, be honest about the problems to avoid a potentially contentious negotiating process, a deal falling through at the last minute or even a lawsuit.

Allowing Your Pets the Run of the House

Animals can be wonderful companions, and many people love them. Not all people love animals, and in order to sell your home, you will need to appeal to the non-animal lover as well. Many experts suggest boarding animals with friends and family while your home is on the market – which hopefully won’t be for too long. If this isn’t an option, make sure any evidence of your furry friends– fur, litter boxes, etc. – is removed daily to avoid turning off potential buyers.

Not Choosing the Right Realtor

When you decide to sell your home you will likely have several friends who know a real estate agent, and while the experiences of your friends and family is often a good place to start, make sure to choose a Realtor that knows your area and is an experienced listing agent that has the skills and connections to sell your home quickly.

Overpricing the Home

Sellers often have an overinflated value of their home. That’s understandable, but pricing your home above market value could cost you money in the long run. If your home lingers on the market becoming a “dead listing” and you are forced to reduce the price, you could end up selling it for less than you would have if you had priced it correctly in the first place. Be willing to listen to your agent when it comes time to set the asking price for your home.

Selling a home does not have to be a difficult process. In fact, with an experienced listing agent acting as your advocate and guide, the process can progress smoothly through closing and beyond. Contact me today if you are ready to sell your home. I will be glad to answer any questions you may have, and help get the process started.

Chris Wylie
The Chris Wylie Team
281-583-9393
www.ChrisHoustonRealEstate.com
www.CountOnChris.com

Throughout the Houston area including Spring, The Woodlands, Tomball, Cypress and Katy, Chris Wylie is known as a professional others can count on to guide them successfully through the real estate process. Her calm, friendly manner puts others at ease and makes the home buying and selling process a fun and memorable experience.

Photo courtesy of Images of Money at Flickr.com.

Displaying blog entries 1-9 of 9

Contact Information

Photo of The Chris Wylie Team Real Estate
The Chris Wylie Team
RE/MAX Partners
14202 Champion Forest Drive
Houston TX 77069
281-583-9393
Fax: 281-583-9494