How to improve my credit score

  1. Keep balances low on credit cards and other “revolving credit”. …
  2. Pay off debt rather than moving it around. …
  3. Don’t close unused credit cards as a short-term strategy to raise your scores.
  4. Don’t open a number of new credit cards that you don’t need, just to increase your available credit.
If time is a factor, here are four ways to improve a credit score in 30 days:
  1. Correct any errors on the credit report. …
  2. Become an authorized user. …
  3. Raise your available credit. …
  4. Negotiate. …
  5. 1. Make minimum payments on time. …
  6. Reduce debt-to-income ratio. …
  7. Have a good mix of debt.

Call today for more information on how to get yourself prepared to purchase a

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Beautiful 2 Story Home w- Fireplace – 3 Beds & 2.1 Baths

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New Jersey real estate for sale! Located in the city Millville  part of Cumberland County, this home is move-in ready two story home on private lot in Whitmarsh Estates. Renovated kitchen has breakfast bar, granite counter tops, tile flooring, tile backs plash, double sink and recessed lighting. Kitchen opens to family room with hardwood flooring and cathedral ceiling. Formal living room has cathedral ceiling with skylights, hardwood flooring, crown molding and a wood burning fireplace. Florida Room with hot tub off of family room leads to large rear deck with retractable awning. Paver walkway & patio w/ fire pit. Dining room, laundry room and half bath on first floor.
Spacious master bedroom with full bath. Master bath has tiled stall shower and tiled flooring. Full basement, one car attached garage with auto
door opener, roof 2 years old. Natural gas heat and hot water, public water and sewer, shed. Rieck Avenue Elementary School. Convenient access to Routes 49, 47 and 55.
Give a call or send a text today and ask about property #57.
Stacy Schnell     856-364-0772
BHHS Fox & Roach Realtors
Building Dreams One Home at A Time!

25 Tips for first time home buyers

wpid-wp-1436567828576.jpegBuying a home can be nerve wracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.

To make the first-time home buying journey a little less stressful, 25 tips to help you navigate the process more smoothly and save money.

This excerpt from USA today, please click below to read full article:

https://www.usatoday.com/story/money/personalfinance/2017/06/30/25-tips-first-time-home-buyers/434449001/