Does Your Credit Score Drops If You Check Your Own Credit?

Does Your Credit Score Drops

If You Check Your Own Credit? 

A question that many new home buyers ask themselves when looking to buy a home.
The advice from your friends and family comes in different versions but has the same message: Don't check your credit scores  often...because it will drop for too many inquiries.
Over the years, I saw some lenders and loan officers use this excuse in order to keep their prospects from shopping around fro better rates with their competition..
Under normal circumstances, you are allowed to shop for a mortgage when you are buying a home.
Every credit inquiry you approved for someone to take is either
A Hard Inquiry
or a
Soft Inquiry
A Hard Inquiry will affect your credit scores
A Soft inquiry MAY NOT affect your credit scores f you are shopping around for a better rate
You are not going to be punished if you are shopping for the best rate..for a certain period of time.
CAUTION: This only applies when you are shopping for the same type of credit .
When you are shopping for a mortgage to buy a house
or
When you are shopping for a car and you want the best rates..
either or....but don't mix them!

Here's a handy chart with 6 Other Myths About Credit Scores

After making the decision to buy a home, 

The best advice I can give you is to find an advocate to your needs.

A person or a group that will supply you with the best advice and chart a detailed  direct road to home buying based on your particular needs without any generalizations..

We want to be that person for you, 

Please Start Here: Home Buying Assistance

Original Article : Does Your Credit Score Drop If You Check Your Own Credit?  

Clarksburg Maryland Real Estate Market Report [INFOGRAPHIC]

Clarksburg Maryland  Real Estate Market Report

Clarksburg MD Report 

Most homeowners across Clarksburg Maryland zip code 20871 have been enjoying an upswing in their home values, and home-sale prices are expected to continue rising for at least the next several months.

The residents of Clarksburg enjoy the best of all retail worlds these days with the new new Retail Center located in the middle of Clarksburg Village featuring a new Harris Teeter flagship store plus a number of numerous stores, shops and services for supreme convenience without ever leaving our neighborhoods

In addition, Clarksburg  is just minutes to another premier area shopping center in Milestone and Seneca Meadow shopping center with it's new Wegman's store. 

 

Spring is here - buyers and sellers are on their way to be more active.

Interest rates still are under an affordable 5% rate that will be watched closely in 2014. An upswing in interest rates could be very harmful to our  young real estate market recovery.

 

If you are looking to buy in Clarksburg MD for  2014, our recommendation is to start early rather than later. New homes sales are bound to increase in the next few months, plus interest rates are very fragile in our market right now and could change dramatically at any time.

If you are looking to sell in Clarksburg MD for 2014, our recommendation is to be realistic and don't take chances on the marketing of your home plus the pricing, These two elements goes together hand on hand for a successful sale.

Remember, in Montgomery County Maryland for 2013.... 25.1 of listings did not sell and went expired...that is one out of four houses!

 

Clarksburg MD Latest Listings

$364,900

23414 WINEMILLER WAY, Clarksburg

FRESHLY painted & NEW carpet! Beautiful and luxurious end unit townhome at Clarksburg Ridge. 3 Bedrooms, 2 full/2 half baths & 3 levels with bay window in Den. Crown mold...

• Beds 3
• Baths 4.0
• MLS MC8318144

 

$430,000

22173 NEWCUT ROAD, Clarksburg

Move in ready!!

• Beds 3
• Baths 3.0
• MLS MC8318035

 

$390,000

23113 ROBIN SONG DRIVE, Clarksburg

Four level, end unit town home with approx 2350 sqft of living space includes four bedrooms, 3 1/2 baths plus large loft and lower level living space with walk out to exp...

• Beds 4
• Baths 4.0
• MLS MC8316345

 

$168,951

ORSAY STREET Unit #TBD, Clarksburg

BRAND NEW MILLER & SMITH 4-LEVEL MPDU IN GALLERY PARK, ready for quick move in! Urban floorplan w/open concept kitchen, 3 bedrooms, 1.5 baths. This is a one of a kind to...

• Beds 3
• Baths 2.0
• MLS MC8316874
• Bldg. Gallery Park Cod

 

$599,000

23218 ROBIN SONG DRIVE, Clarksburg

Features galore! MBath features Jacuzzi spa w/built in heater & /river rock tile, oversized shower w/dual shower heads. Lrg sunroom off kitchen AND master suite. Very s...

• Beds 4
• Baths 5.0
• MLS MC8317040

Clarksburg  Maryland  Real Estate Market Report

Clarksburg MD New Construction | Housing Rebound for 2013

Clarksburg MD 

New Construction |  Housing Rebound for 2013

The recovery for new home construction appears to be underway in the Clarksburg Maryland area.

We have first hand information about up and coming price hikes because builders are sensing a HUGE REBOUND this spring in 2013

Significant price increases in general signifies the end of a buyers market and the beginning of a sellers market.

There is a major disconnect between buyers and seller in the Maryland/Virginia region. According to studies by major real estate portals, it was discovered that sellers generally wait until the Summer to list their homes. .while buyers start in the Spring

Smart sellers arrange to offer their homes to the highest market.. 

If you are thinking in selling for 2013. .

the Spring should be your goal.

New construction throughout the nation has seen some very impressive growth in just 12 months.

We are looking at numbers in the 23% growth range from just last year!

That is impressive indeed and all builders are celebrating this fact

After all. . why did you expect?

you can still get a loan under 4% !!!

Demand for homes has been strong in many markets but specially in the MD , DC VA region 

Buyers want to buy. .but the inventory is not there.

If you are selling . . my advice is DO IT NOW!

Interest rates are the lowest and buyers are willing to pay the highest prices right now. .

Don't count interest rates to stay this low for long. .

"Homebuyers are snapping every single well priced property in our area. .

EXPIREDS?

They are the lowest number I've personally seen.

There's not enough inventory to go around. .call us and let us put a plan for you that will fit your future housing goals, including new construction

We know the market . .we know the deals. .

CALL US at 240-426-5754 and get help from the best!

Relocate to Clarksburg Today

If you're considering moving to the Clarksburg area, call me right now at 301-246-0001 or send us a message and you'll receive our special relocation package. It includes community highlights, transportation details, and a listing of homes for sale. Communities include:

• Clarksburg Town Center
• Clarksburg Village
• Arora Hills

Call us today!

New Construction Homes in Clarksburg Maryland