Ernie Steele ~ Lebanon, PA Real Estate ~ 717-273-3774

Three story Lebanon City semi-detached home close to downtown...Four (4) bedrooms, Three (3) baths, 3rd floor bedroom is a suite with it's own full bath, sitting alcove and walk-in closet...Completely remodeled and in move-in condition...825 Walnut Street, Lebanon, PA 17042...$86,000.00...Keystone MLS#155719...Call Ernie Steele or Chrissy Herr today at Prudential Homesale Services Group...717-273-3774.

Beautifully maintained home in desirable Northcrest Acres...3 bedrooms, 2 full baths, laundry room, central air conditioning, cathedral ceiling, new laminate flooring, recently painted, patio, porch and 10 X 12 shed...Cedar Crest Schools... 65 Northcrest Acres, Lebanon, PA 17046...Keystone MLS#155583...$54,900.00...PRICE REDUCED to $49,900.00...For additional info and pictures please visit our website www.LebanonPaRealEstate.com...Call Ernie Steele or Chrissy Herr today for your private showing, 717-273-3774...Prudential Homesale Services Group, 1402 Quentin Rd, Lebanon, PA 17042

Cozy 2 bedroom in Newmanstown, PA...Nothing to do but move in...New, updated kitchen, large yard and plenty of off street parking...Excellent home for first time buyer or investor...The government tax credit for first time buyers expires November 30, 2009...Please check our website for additional photos and information... www.lebanonparealestate.com ...Keystone MLS#153499...$95,000.00...28 N. Sheridan Road...Call Ernie or Chrissy for a showing today...Prudential Homesale Services Group...717-273-3774

The following is a response from FICO regarding an inquiry from our in-house Insurance Representative...Shared with permission.

Email sent to FICO:

If I apply for insurance, and the insurance company checks my credit to determine my insurance score, will that cause my FICO Score to go down?

Response back from FICO:

Hello,

The FICO® score does NOT count:

· Consumer disclosure inquiries - requests you have made for your credit report, in order to check it.

· Promotional inquiries - requests made by lenders in order to make you a pre-approved credit offer.

· Account review inquiries - requests made by lenders to review your existing account with them.

· Employment inquiries - requests marked as coming from employers.

· Insurance inquiries - requests marked as coming from insurance companies.

FICO scores only consider inquiries initiated by you (when you were seeking credit) over the most recent 12-month period. These include mortgage, credit card and auto loan applications. The FICO score treats multiple inquiries from auto or mortgage lenders within a short period of time as a single inquiry, which will have little impact on your credit score. FICO scores only consider inquiries from the last 12 months, although inquiries remain on your credit report for two years.

Looking for new credit can be equated with higher risk. However, FICO® scores are built so that your score is not lowered by the multiple inquiries that may occur when you shop for the best auto or home loan. FICO scores treat multiple inquiries from auto or mortgage lenders within a short period of time as a single inquiry. This inquiry will have little impact on your FICO score.

Federal law requires that all inquiries be kept on file for a period not to exceed 24 months.

Regards,

MyFICO Customer Care

It seems all you hear from the media is how low home prices are dropping. But, in some markets around the United States, homes are still appreciating, according to First American CoreLogic Inc. These cities had the highest home price appreciation in 2008:

1. Cedar Rapids, Iowa: 8.83 percent
2. Binghamton, N.Y.: 7.78 percent
3. Amsterdam, N.Y.: 7.89 percent
4. Malone, N.Y.: 7.60 percent
5. Bay City, Mich.: 6.87 percent
6. College Station-Bryan, TX: 6.78 percent
7. Rocky Mount, N.C.: 6.69 percent
8. Auburn, N.Y.: 6.51 percent
9. Lebanon, PA.: 6.41 percent
10. Elmira, N.Y.: 6.28 percent
11. Johnstown, PA.: 6.20 percent

Source: First American CoreLogic