Team Thayer Property Servicing

In a shaky economy, maintaining good credit can be a real challenge. The good news? Credit is repairable, and Veterans United’s Lighthouse program  is here to help you along every step of the way.  Start today on your VA home loan. If you’re aiming for a brighter credit future, start with a good look at your credit report. A credit report describes your experience as a borrower, and includes details such as payment history, current balances and unpaid debts. Your credit report will be closely analyzed by any potential lender, so it’s an important tool to understand. Here are five things military buyers need to know about credit reports. 1. You’re Entitled to a Free Credit Report Under the  Fair Credit Reporting Act , a federal law passed in 2004, every citizen has the right to obtain a free credit report from each of the three major credit reporting bureaus (Experian, Equifax and TransUnion) once a year. To obtain a free copy of your credit report, head to...

When you begin looking at the listings for homes – whether you are a buyer or a seller – you may come across a type of pricing structure you have never seen before.  This pricing strategy is known as value range pricing.  Instead of listing a property at a fixed price, you may discover that a seller is listing his or her property using value range pricing – indicating that offers will be entertained between a low number and a high number. This may seem strange, but some real estate agents swear by it. The term value range pricing can also be called other things including “range pricing”, “variable pricing” and “value range marketing”. Over the years I have had numerous clients ask me “what is value range pricing”? Whether you use it is up to you, but it is one alternative approach to home sales that may be nothing more than a gimmick. Frankly, I am not a fan of this pricing tactic because of the deception it creates with buyers. I will however, give you both sides as t...