About Woodbury's Woodbury Mn

The RE/MAX Results cell phone App is finally here and best of all it is FREE. John & Becky Durham is providing the FREE cell phone and Tablet app for all of our clients, prospects, and friends. All you need to do is text the Durham Executive Group at 651-231-2191 and request the home search App for the Twin Cities and Western Wisconsin.

The App makes searching for homes while on a mobile device easy and enjoyable. Information on the App is pulled directly from Results.net, so the high-resolution photos and expanded descriptions that you see will be available on the user's Smartphone or Tablet.

One of the unique and ground-breaking parts of this new App is something called Results Radar. When a user stops in front of a home currently listed for sale on MLS and they want all the photos and information, they simply have to click on the Results Radar button and hold the phone up so that the home can be seen in the viewer. All of the MLS information will immediately populate on the mobile device screen, including the enhanced information from Results.net.

The Durham Executive Group along with RE/MAX Results believes that mobile technology is the next great frontier of consumer interaction. With this App, we lead the way by bringing the power of Results.net into the palm of your hand for all of our friends, clients, and prospects.

RE/MAX Results Acquires RE/MAX of Rochester and RE/MAX Realty Plus of Austin, MN

Woodbury Minnesota Relocation - Durham Executive Group

The Durham Executive Group specializes in working with families who are relocating into Woodbury MN and the surrounding communities, or conversely we work with families who are relocating out of Woodbury MN. In this particular case, we assisted a wonderful couple where the husband had been transferred to the East coast by his company. With strong marketing representation during a down housing market we were able to sell the home in less than five weeks at a price that the sellers were very happy with. In fact, the sellers were so happy with our services that they wrote the following testimonial:

Becky and John, "thank you so much for all the work you did for us with the sale of our home. We have sold three houses in the last 7 years and have never had agents as professional and motivated as both of you. You truly have gone above and beyond during this stressful period. Because of you we sold the house in less than 5 weeks during a really bad selling period at a price we were very happy with. I would highly recommend both of you. It was a great pleasure doing business with both of you."

Thanks again!

Angela & Bernie

Woodbury MN Relocation - Durham Executive Group

The Durham Executive Group assisted a young couple who had transferred up from Florida and was looking to relocate to Woodbury MN. After an extended search we were able to help them find and negotiate on a home that met all their criteria for a new home. With strong representation the transaction was seamless and we closed on the home just a few days ago.

Lenders are looking at a wider range of your personal data in determining whether you're a good financial risk. And it's all under a cloud of secrecy they'll never share with you!

A would-be borrower may be denied a mortgage based on "stuff" they never know were relevant when applying for a mortgage loan. Federal regulations that will go into effect sometime in July 2011 will require lenders to disclose which factors they used, however, they will not be required to disclose the results of their underlying data and formulas. No one knows what the models are and how they are being used to calculate your financial health.

We're all familiar with FICO scores . . .

BUT WHAT ABOUT THESE?

• Deposit Behavior Score?
• Employment History Score?
• Job Security Score?
• Property Values Score?
• Income Levels Per Your Zip Code Score?
• Unemployment Rate Per Your Zip Code Score?
• How Often You Switch Jobs Score?
• How Often You Switch Your Phone Lines Score?
• Checking Account Managing Score?
• Overdrafts Score?
• Riskview Total Solutions Score?

And dozens and dozens more!

A FICO score is largely based on a person's payment history and the size of his debts.

FICO scores can be monitored for accuracy and can be corrected if errors occur, but the secrecy that surrounds these new scores makes it impossible for borrowers to know why they were denied credit. Mistakes can go undetected and, therefore, uncorrected. According to John Ulzheimer, the president of consumer education at SmartCredit.com, "Consumers have no clue how many times they're being scored."

Chi Chi Wu, a staff attorney with the National Consumer Law Center in Boston, states that "These scores are like black boxes...No one knows what the models are and exactly how they're being used, but the information can have a tremendous impact on people's lives." You can read the entire article here, "Cloud of Secrecy Surrounds New Credit Scores."

So, where will this 1984 Big Brother attitude stop in determining one's credit worthiness? Will they soon include my medical history in case I have a condition that might pose a credit risk? Will they monitor how many times I flush the toilet or how long my showers take to determine if I'm a conscientious environmentalist in conserving water? Will they check with my waste management company to see if I participate in recycling? Will they monitor how much junk food I buy at the grocery stores as my cravings potentially may pose a health risk? Heck, maybe they're already doing these . . . and, I'm sure, you can think of a few ludicrous "models" on your own.

Oh, Brother! I think I'll go take a cold shower now." A short one though!