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The difference of a few points in your credit score can impact whether or not you get approved for a mortgage or the interest rate you will receive with your mortgage loan. A small difference can mean THOUSANDS over the life of the loan. What can you do to improve, build or maintain your credit?
paid on time
With the banking industry tightening up their requirements for mortgages, the higher your credit score the better. The number one way to make your credit score the best it can be - PAY ALL YOUR BILLS ON TIME AND DON'T EVER BE LATE!
CHECK YOUR CREDIT REPORT FREE EVERY YEAR FROM THE MAJOR CREDIT REPORTING AGENCIES:
If you are thinking of buying or selling in the Sullivan or Orange County area we would be happy to assist you! Please contact me or visit our website for more information.
SEARCH HOMES IN ORANGE COUNTY, NY
GRI, ABR, CHMS, RECS, REM
Minisink Valley Homes Office 845-355-8439
debbiewalsh@minisinkvalleyhomes.com
http://debbieminisinkvalleyhomes.org.mlxchange.com
Photo by Debra Walsh, Copyright © 2009 Debra Walsh. All Rights Reserved. This photo may not be reproduced, used or transmitted without the express, written permission of Debra Walsh of Minisink Valley Homes in Slate Hill, NY. Thank you for not plagiarizing.
We watch out for your best interests and help guide you through the entire process. If you are thinking of buying or selling in the Sullivan or Orange County area we would be happy to assist you! Please contact me or visit our website for more information.
SEARCH HOMES IN ORANGE COUNTY, NY
GRI, ABR, CHMS, RECS, REM
Minisink Valley Homes Office 845-355-8439
debbiewalsh@minisinkvalleyhomes.com
http://debbieminisinkvalleyhomes.org.mlxchange.com
Photo by Debra Walsh, Copyright © 2009 Debra Walsh. All Rights Reserved. This photo may not be reproduced, used or transmitted without the express, written permission of Debra Walsh of Minisink Valley Homes in Slate Hill, NY. Thank you for not plagiarizing.
We watch out for your best interests and help guide you through the entire process. If you are thinking of buying or selling in the Sullivan or Orange County area we would be happy to assist you! Please contact me or visit our website for more information.
SEARCH HOMES IN ORANGE COUNTY, NY
GRI, ABR, CHMS, RECS, REM
Minisink Valley Homes Office 845-355-8439
debbiewalsh@minisinkvalleyhomes.com
http://debbieminisinkvalleyhomes.org.mlxchange.com
If you are a first time home buyer or someone who has not owned another principal residence at any time during the previous 3 years prior to purchase you may be eligible for the $8000 home buyer tax credit. But you must hurry; you must close on this new home by December 1st, 2009 to be eligible for this credit. As a result many consumers are shopping the market in order to take advantage of this tax credit.
After you and your Realtor have shopped around and picked the home you would like to make yours you must next plan the home inspection. Most often your offer on this 
home is contingent on the findings of your home inspection. You should have the home examined top to bottom to make sure that the biggest investment you will ever make is not going to come tumbling down around you the very first year after you move in. You should shop for your home inspector as you would for a physician, attorney or accountant. You want someone who you can trust, who knows what they are doing and excels at it and more importantly has the license to do the inspection. This inspection will tell you about the need for any major repairs or problems with the structure itself. Once you have all the facts 
about this home you can decide based on the home inspector's report if this is still the home for you. Is it a good solid structure? Are the repairs too excessive? Does it flood and how bad is it? Does the electrical system need to be updated? These are just some of the things that may come up that could change your mind about purchasing a home after the inspection. A full report will cover the roof to the basement as well as the water and septic systems.
Now that you are past the inspection and have decided to go ahead your 
Realtor will see to it that the process goes as smoothly as possible and before you know it you will be headed toward moving day!
We watch out for your best interests and help guide you through the entire process. If you are thinking of buying or selling in the Sullivan or Orange County area we would be happy to assist you! Please contact me or visit our website for more information.
SEARCH HOMES IN ORANGE COUNTY, NY
GRI, ABR, CHMS, RECS, REM
Minisink Valley Homes Office 845-355-8439
debbiewalsh@minisinkvalleyhomes.com
http://debbieminisinkvalleyhomes.org.mlxchange.com
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Providing a HIGHER Standard of Professional Real Estate Services in the Orange, Rockland, Sullivan, Ulster & Pennsylvania Areas. We Cater to all Buyers, Sellers & Investors.
"The Experienced Realtor" JOIN ACTIVE RAIN
Over 15 years of serving the Slate Hill community and giving 100% in every transaction.
Debra is a lifelong resident of the Hudson Valley who represents clients in the purchases and sales of single-family residences, new construction, land parcels and income property within the Orange, Rockland, Sullivan, Ulster County & Pennsylvania areas. She believes in continuing education to stay ahead of the curve in order to better serve her clients. She strives to exceed their expectations and continues to demonstrate tenacity, accountability and reliability.
*Making Clients For Life*
I first met Debbie at an Open House that she was representing. Our longtime realtor had just retired and I needed someone new to represent us. I was so impressed with the professional way she represented her listing that day that I asked her to list our home. We had a small, inexpensive home but Debbie marketed it and showed it with the same enthusiasm that she would show for a million dollar listing. She sold it within months and she helped us find the best home for our family. Debbie Walsh is a consistent, thoroughly passionate, professional Real Estate Broker. She is a woman of her word and she truly has earned her reputation for excellence. Debbie, I'm always singing your praises and I want to thank you and let you know that you always made us feel like a million. I can't imagine doing business with anyone else.
The Asala Family, Unionville New York
Debbie, You have been a great help in finding and helping me purchase my investment property. I am looking forward to our continued success with more of the same in the future. Your knowledge of the area, experience in Real Estate and professional service is greatly appreciated.
Thank you!!
Regards,
Mark Werfel, Suffern New York
Debbie, We thank you for all your hard work and dedication while our house was for sale. You were very helpful and extremely accomodating during those months. We were very lucky to have had you for our Agent.
Bill & Pam Garrison, Slate Hill New York
This letter is to attest to the superior customer service of Ms. Debbie Walsh.
I have been working with Ms. Walsh on relocation to the Middletown, New York area for more then a year. Her high professionalism and regard for my personal needs reflects the excellent customer service skills she has shown me.
I recommend Ms. Walsh to anyone who is looking for professional and excellent customer service in the Real Estate Market.
Kathleen M. Paroline, Rochester New York
Debbie, you have made an otherwise stressful adventure of house hunting and buying, into a memorable and pleasant experience for me. Thank you! I am so in love with my peaceful setting and perfect location. Your support and great sense of humor means so much to me. For the first time in years I am so happy. Thank you again for making all this possible!
Katherine Walsh, New York NY
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
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