Larry Buchanan Realtor®

Archive for the ‘market values’ Category

I’ve spoken to so many people about so many things in the past weeks, I felt my blog readers might have some of the same questions. It’s no secret that anything related to finances is a top concern these days. And credit is at the top of the list.

Please take a few moments to read this report about correcting errors on your credit report. Even with the real estate slowdown that’s happening around the country, Jacksonville real estate, and especially Jacksonville Beach real estate prices remain attractive. And houses are selling.

However, it won’t help your cause if you wait until you’ve made a buying decision, to check your credit report. Check it now by using the simple step by step process that follows…

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People that compile your personal credit reports are human beings. And like you and me, they can make mistakes while compiling your reports from the various sources from which they receive information about your spending habits. Thus, requesting for a copy of your report often (at least 2-3 times a year) is very important.

By reviewing your credit report you will know what the credit bureaus are compiling about you. You will be able to discover unfavorable information and request corrections before they start can spreading inaccurate information about you.

When you get a copy of your personal credit report you will be able to determine the status of your credit file. Study the information in it very closely and attempt to remove all unfavorable information in it.

All your credit history may not be contained in one file from a single firm. So if possible, order reports from all of the top 4 credit firms to start your review. Some information may be duplicated in one or two company’s reports, but not included in the other company’s files.

You need to note the spelling of your full name, social security number, current and previous addresses, spouse’s name, and date of birth and make sure that they are correct because they are points used in identifying you.

Also, make sure that merchants’ names, credit account number, date opened, date closed, high credit limit, highest amount of credit used, and repayment history are correct, current and accurate.

After studying the file carefully if you notice any errors, write out the details of the exact error and the way you think it should be listed. You will find a space on the right-hand side of your reports where you may protest any item in your report that you feel is incorrect.

You will have to attach photocopies along with pertinent information to prove your claim and send it to the credit bureau by mail. It’s a good idea to certify your mailing.

When the credit bureau(s) receive your message they will investigate and send you results of their investigation. You will have to exercise patience during this period because it may take the bureau some time to complete their investigation.

I hope you find this to be useful information and look forward to your questions and comments.

Larry Buchanan Realtor
Prudential Network Realty
Phone me at:904-910-0203
email: Larry@Larry Buchanan Realtor.com

PS Click here to see my complete listing of homes in the Greater Jacksonville Area

There’s no mystery about what’s happening in the real estate marketplace these days. The economy is depressed and no one knows when things are going to get better. Naturally, home buyers and sellers are affected, but in different ways.

I’ve been doing more coaching and counseling these days because people are concerned about making good decisions. Buyers want to know if they should wait for lower their prices. And sellers want to know how to get out of the market so they can avoid paying 2 or mortgages (many bought multiple homes as investments).

While the answers are simple, the decisions are personal. Most often it’s better to decide and move on whether than trying to “time” the market until a better deal appears. Buyers are definitely in the right place at the right time, especially in regard to short sales.

Simply put, short sales are a situation where the bank or mortgage company has agreed to accept an offer for less than what is owed on a home. This makes for what is usually a great deal for a buyer and provides much needed relief for the seller.

The facts and figures shift and reliable information can be difficult to receive in a timely manner. Please feel free to call me with your questions. Hesitation can be costly, especially if you’re ready to buy or sell before the end of the year.

Larry Buchanan, Realtor
Prudential Network Realty
Call: 904-910-0203
email: Larry @Larry Buchanan Realtor.com

Click here to see my complete listing of homes in the Greater Jacksonville Area

According to new statistics from Zillow.com, the 1 year Housing Market Report indicates market values in Jacksonville Beach have moved from $337K to $290K. Property values in areas like Atlantic Beach, Ponte Vedra and St Augustine, varied little from this range. This shift appears to support the local buzz that we are definitely experiencing a buyer’s market.

I’ve observed lots of interest in oceanfront real estate and Jacksonville Beach penthouse property as well. Activity is also building around Jacksonville waterfront property for sale.

My goal is to be available to everyone who visits my website. I’m always just a phone call or email away from receiving your message, so don’t hesitate to ring me at the number below.

Whether or not you’ve narrowed your decision to purchase a condo or other real estate for sale in Florida you’ll want to hear about what’s happening in this market.

Once you have an opportunity to see oceanfront condos in Jacksonville Beach and other waterfront real estate listings in Ponte Vedra and other Jacksonville areas, you’ll be amazed at the quality and value.

Thanks for stopping by. I look forward to the opportunity of speaking with you soon.

Larry Buchanan Realtor®
Prudential Network Realty
904-910-0203
email Larry@ Larry Buchanan Realtor.com

Click here to see my current listings in the Greater Jacksonville Area