Whether you are an over 55 senior looking at Ocean Hills Country Club homes are a first time home buyer just hoping to get a start, you should do everything they can to improve your FICO credit scores.  Why, because credit scores can mean the difference between a 4.25% and a 5.25% home mortgage rate. That can mean the difference as to wheater you qualify for a loan to purchase your San Diego North County home.  Credit scores can also mean the difference in getting a conforming mortgage and an FHA mortgage.  They can mean the difference in an underwriting approval and an underwriting denial.  Get your credit in order before trying to buy your San Diego North County home.   You should treat your FICO credit just as you would an investment portfolio, always strive to improve and protect what you have. The following tips, if followed, will help you with your journey to becoming a San Diego homeowner.

What Can You Do to Improve Your FICO Credit Score?

• Try to get current and stay current.
• Apply for and open new credit card accounts only as needed.
• Keep your credit balances low on all credit card accounts.
• Pay off debt rather than moving it around.  Owing the same amount, but have fewer accounts can help.
• You should pay your bills on time.  Late payments and collections can have a serious negative impact on your credit score.
• If you have been managing credit for a short time, don’t open a lot of new accounts too rapidly.

Once you get a good FICO credit score, you will want to do every thing you can to keep that good score.

What Can Affect Your Credit Score?

• Delinquent payments
• High outstanding debt, especially “revolving credit card debt”
• The amount of new accounts you have opened  right before applying for credit
• Credit inquiries can lower your score

What Type of Credit Inquiries Hurt Your Score

• A credit check for an auto loan
• A credit inquiry for a credit card application
• A credit check for a store credit card
• A credit check for a mortgage loan

While some credit inquiries can hurt you score by up to 100 points, a mortgage credit inquiry is estimated to only lower your credit score by just 5 points.  So when buying a purchase as large as a San Diego North County home you should shop around for the best rate and terms.  This shopping needs to be limited to about 14 days so as to minimize the rate on your FICO Credit Score.

I would invite you to check out HomeServices Lending, a member of my winning team members.  HomeServices is an affiliate of Wells Fargo Bank.  For San Diego North County real estate information,including information on North County  homes for Over 55, contact Gary Harmon, your North County Realtor.

To capture the interest of buyers looking for Carlsbad homes for sale, Encinitas homes, Oceanside homes for sale, or Escondido real estate, Gary Harmon will promote San Diego North County homes on prudentialcal.com, GaryHarmon.com and HomeInfoSanDiego.com.

We don’t measure our traffic by number of hits. (Just one visitor can generate 4-20 hits.) Instead, we look at unique visitors. Every month prudentialcal.com, GaryHarmon.com and HomeInfoSanDiego.com  attracts nearly 60,000 unique visitors from local, national and over 90 international locations. 

Our fast, user-friendly sites and blog gives visitors a wealth of important listing data. They can also sign up to be  alerted about open houses, new photos, status and price changes, and listing activity. 

For more information on San Diego North County homes including Carlsbad ocean front homes, Encinitas ocean view homes, and Oceanside whitewater view homes,  contact Gary Harmon, your Prudential California North County Realtor.

See this shot video below about my Prudential California Realty office.  We can help you get your home sold.

• Great customer service and communications.
• Prudential California Realty has the most productive agents in San Diego North County.
• High-end professional marketing image.  Prudential Realty is part of the larger Warren Buffett Company, Berkshire Hathaway.
• We have multiple office locations for convience of our customers.
• Great hands-on management.   Most managers have been with Prudential California Realty for many years.
• Company and management’s are committed to continuous training.
• Prudential California Realty has  the famous Prudential brand recognition.
• Prudential leads the industry in marketing and technology support.
• Prudential California agents have talent and commitment to the industry. Gary Harmon, your North County Realtor, has been with Prudential for over 20 years.

J D Powers just ranked Prudential Real Estate #1 for 2010.  See  J D Powers and Associates.

Don’t work with the rest when you can have the best.  Team up with the Gary Harmon team.  Contact Gary Harmon, your North County real estate expert.

Working out of Carlsbad, Gary Harmon services the communities of Carlsbad homes, Oceanside homes, Escondido homes, Vista homes, San Marcos homes, and Encinitas homes.  Gary also concentrates on North County Over 55 homes such as Ocean Hills Country Club.  Other areas of special interest are Encinitas ocean view homes, Carlsbad ocean view homes, and Oceanside ocean view homes.

Why work with one of the rest when you can team up with the best.  Contact Gary Harmon, your top North County Realtor.

This information about San Diego Fireworks places and times is provided to you by California Title Company, one of Gary Harmon’s Winning team members.

If you are interested in San Diego fireworks around the San Diego Bay, read on.

The above list included Carlsbad fireworks, Vista fireworks, Escondido fireworks, and San Marcos fireworks.  Hope you have a great Fourth of July and enjoy the shows.  For information on San Diego North County homes, contact Gary Harmon, your North County Realtor.

The Prudential name brings North County buyers to your door.  96% of all consumers worldwide recognize the Prudential name.  Our company spends over $90 million in advertising every year to keep that Prudential name top-of-mind.  As a Prudential California Realty agent, I will leverage that power, drawing on our international network and vast experience to get you the best results when selling your San Diego North County home. 

Prudentnial Real Estate Network

• 60,000 sales professionals in over 1,700 offices
• $110.2 billion in annual sales volume
• 402,000 transactions sides
• Prudential agent network generating over 100,000 referrals a year
• Prudential Relocation contracting with over 900 major organizations
• Primary broker and relocation department for highly successful worldwide relocation companies including Primacy, Sirva, Weichert, Altair, GMAC Relocation, Hewitt and many more

The Prudential Brand

The Prudential brand on San Diego North County homes makes an immediate impression.  Prudential connections help us find you buyers anywhere.  To get started today using the power of Prudential California Realty, contact Gary Harmon, your top North County Realtor.

Think again. Identify fraud occurs at all levels of society and everywhere, yes even in Carlsbad and Encinitas. Identity fraud is one of the fastest growing types of white collar crimes in America with over 900,000 victims each year. Experts say the cost nationally could exceed $100 billion annually.

Protect yourself from identity theft! Review the tips below to help stop the wrongful use of you personal identification.

There is also identity theft when it comes to buying North County real estate. Protect yourself with title insurance from California Title Company, one of my winning team members. California title insurance can protect you against hidden risk that may not be discovered even with the most meticulous examination of public records, such as imperesonation of those purporting to be owners of the North County property prior to the issuance of you California Title insurance policy.

For more information about title insurance or North County homes, contact Gary Harmon, your North County Realtor.

Numbers in the graph below are based on US average, San Diego numbers are much higher.

 If you are thinking of selling your Carlsbad home, Encinitas home, Oceanside home, San Marcos home, or Escondido home, contact Gary Harmon, your top North County Realtor

Do It Yourself?

Thinking of selling your North County home?  Want it to look its best?  Giving your San Diego North County home a minor facelift may equate to a larger investment than you are willing or able to make.   Should you try to do the minor facelift on your North County house yourself or should you hire a professional to do the job.  To make an informed decision, consider the level of skill required, do you have the tools necessary,  how much time will it take, and can you get the job done correctly the first time.  If you need professional help you should hire the help you need.

Doing it yourself when selling your North County home is very little different than the minor facelift.

Gary Harmon has the skill level and is the right North County professional for the job.  Gary has the right tools, see Gary Harmon’s Winning Team.  Gary has over 20 years of experience with Prudential California Realty, helping sellers get top dollar for their North County homes.  And finally, Gary has the time to dedicate to the sale of your North County home and will get it right the first  time.

For help selling your home today, contact Gary Harmon, you top North County Realtor.   Don’t loose money and time trying to “Do it Yourself.”  Put Gary Harmon and his team to work for you today.

Inserted article is courtesy of Joyce Nathan of HomeServices Lending San Diego North County.

The Prudential Military Advantage Program is designed for listing & selling properties within 25 miles of a military base.  That covers just about everything in the San Diego North County real estate area as well as most other parts of San Diego.

Prudential Military Advantage benefits North County Buyers

Prudential California Realty North County buyers can now feel comfortable that the San Diego home they are purchasing through Gary Harmon and Prudential California Realty is a home that is:

• Located within 25 miles of one of San Diego’s active military bases
• Priced  within 5% of Fair Market Value
• Protected by a one year Home Warranty policy

For military personnel on the move, the Prudential Military Advantage makes it easy for families that need to move quickly and with little hassle!

Prudential Military Advantage for North County Sellers

When you list your San Diego North County home with Gary Harmon and the Prudential Military Advantage Program you are able to reach North County military buyers that are ready, willing and able to move quickly!  The Prudential Military Advantage Program provides marketing tools to reach the special military market.  Tools that bring your North County property right to the San Diego buyer are:

• Special yard sign riders that identify your North County home for sale as a Prudential Military Advantage property
• Doorknob hangars with the Prudential Military Advantage logo
• Special welcoming doormats identifying your property as a Military Advantage property
• Special marketing brochures, targeted eCards, and much more for your Escondido home or other North County property.

 To get the program started, just contact Gary Harmon, your North County Realtor,  at garyharmon@prusd.com or 760-745-1220.  Gary Harmon has been selling real estate in North County for over 20 years and has put together a powerful team.  Gary Harmon’s Winning Team will help with all your North County real estate needs.