Looking for your dream home?

1154 Glen Rd. in Lafayette has it all. As realtors, we occasionally get preview invites to see a home before it goes on the market. Last Thursday, there was a private viewing of this spectacular home with wine, cheese and homemade chocolate chip cookies baking that created a cozy feeling.

 

 

 

 

 

 

 

This coveted Happy Valley street is one of my favorites. The home was originally built by Nobel Prize winner Glenn Seaborg in 1951. The current owner completely remodeled it in 2009, adding on this high-beamed family room to the original L-shaped layout.

I love how this stone fireplace is the centerpiece of the living room. The current owner is a real estate agent and has a knack for remodeling homes, living there for a while, and then moving on to the next project. In this case, the same street just a few doors down will get the next updates to this mid-century neighborhood.

Two of my favorite features were the Jack-n-Jill bathroom where there is a laundry shoot cabinet to the laundry room on the other side, and the mud room next to the garage, as well as another outdoor entrance to store the backpacks and shoes upon returning home.

 

 

 

 

 

The master bedroom was added on with high, vaulted ceilings, doors to the pool area and an amazing bathroom. All this can be yours for $3,650,000. For more information and better photos, check out this home here.

10 ways to improve your credit score

10 credit 2Last Tuesday, we wrote about how important it is to have high credit scores to purchase a home. Today, we’ll outline a summary of the main points from this list of 10 ways to improve your credit score from Inman.com.

If your score is lower than you’d like, these are good suggestions for how to help hike it back up, especially if you’re thinking about buying a new home:

1. Always pay on time

No lender likes to lend money to an individual who has a repeated record of missing his or her payments. Not to mention it will end up with a lower FICO score.

2. Keep your credit owed within limits

A good ratio is not having your unsecured credit outstanding above 50 percent of your annual salary. If you have $10,000 as your limit, then it is wise to restrict your statement amount to $5,000.

3. Always pay your bills on time, in full

This is one of the most important tips to improve credit score: On-time payments improve your credit score tremendously.

10 credit 34. Use two credit cards if you are a definite credit card spender

This is good and bad advice at the same time. FICO does not consider spending money on two credit cards as one. But if you have two credit cards, you can keep your usage percentage in control.

5. Maintain a good mix of good and bad loans — AKA, a healthy credit mix

Home loans and business loans are considered good loans. Personal loans and credit are considered bad loans.

6. Pay high-interest loans and small loans first

It is a prudent decision to pay your home loans over longer periods. Pay off your personal loans, credit cards and private loans first, as they tend to have a higher interest. Home loans, on the other hand, are just 9 percent to 11 percent, but they build an asset.

7. Close your unwanted savings accounts

Many people tend to abandon their savings accounts without closing them. If you have less than your Minimum Average Balance (MAB), it will start to affect your credit score. Also, when you finish a loan, it’s imperative to get the loan closure certificate.

10 credit 18. Check your credit reports regularly

Credit reports can be availed for a minimal cost. You can obtain them from the official FICO site. Just pay online and check your credit score at least once in a year, so that you can seek clarification on any mistake and have it sorted.

9. Monitor your co-signed joint accounts properly

In instances of co-signing a loan or maintaining a joint credit account, be careful when dealing with someone outside your close family.

10. Negotiate if you cannot pay on time

People often know that they would not be able to pay their bills in advance. If you know you will not be able to pay on time, negotiate with your bank. Banks will be willing to extend your loan period and reduce the EMI if they see a genuine customer.