About Lebanon County, PA

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

Everyday, new homes are listed throughout Lebanon County PA. While there are many factors that can impact how quickly a particular home sells, one issue is often overlooked by frustrated sellers. If a home fails to entice any buyers within one month, chances are the listing price is not right. Generally, the listing price should be in line with the current market value of the home. However, many sellers don't realize that the market value of a home is impacted by many more factors than simple square footage and the quality of the appliances. If you need help determining the market value of your Lebanon PA home and setting the right price, talk with your real estate agent and consider some of the tips outlined here.

One of the first steps a seller may want to consider when determining the appropriate property value is a comparison with recently sold properties. By comparing the square footage, lot size and overall amenities of your home to those that have already sold, you and your agent may gain some valuable insight into the true market value of your property and assistance in setting the asking price. Also, as you get closer to putting your home on the market, try to keep track of other properties listed in the Lebanon PA area. By looking at current listings, determinations can be made about how well homes in the neighborhood are selling and how your assessment of your own property compares with similar sellers.

Regardless of how long you have lived in the home, take account of your personal investment. If you have lived in the home for several years, you have probably made a number of repairs or upgrades to the property. As you prepare to list your home, take notes on any such improvements and consult your personal records if necessary. By assessing the value of improvements made to the property, you will be able to work with your agent to determine how your investment affects the current market value of your home.

One of the best ways to determine how your home's amenities impact the value is to make a detailed list of the property's features. Your list should include all recent updates to the property, any items that might require repairs and an assessment of the home's overall condition. After compiling your list, work with your agent to establish how each individual feature impacts the overall value of the home and the eventual asking price.

For the rest of this article on establishing a home's value visit our Lebanon PA Home Values webpage.

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