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Ways to Fool Burglars Into Thinking You’re Home

by Rebecca Shahan

So how do you make it look like someone is home all the time?

Light Up a Room (From the Road)

Turning lights on with a timer is nothing new. Your parents may have used those old light timers to do that. But now you can use an app, and you have to admit that's more fun. And you can program your lights to come on at more random times to make it more realistic.

Fake a TV Binge

Yes, it's the old trick of leaving the TV on. You can save the life of your TV by getting a little FakeTV gizmo that projects light onto the curtains for the same effect. The device works on a timer or light sensor to switch on when it gets dark.

Make Some Noise

Burglars are a jumpy lot, for good reason. If they hear sounds, they will usually split. So why not make some noise? Of course, you can get an app for that. You can play noises of vacuuming or other household activities. Just try to make it somewhat realistic. So in other words, don't play more than one or two sounds at once.

Try a No-Tech Technique

Not everything requires a gadget. Here are ways to up your home security without downloading a single app:

  • Hire a house sitter. Then someone will be home.
  • Ask friends, family, or neighbors to just be present on your property — use your patio, play in your yard, or bring in the mail.
  • Invite a neighbor to keep a car parked in your driveway. During the holidays, they may be happy if they need overflow for visitors.
  • Install a fake security camera for as low as $8. Burglars may not notice these fakes don’t have all the wiring necessary to be real. And their blinking red lights offer reasonable doubt.
  • Get a dog. A real dog. While you’re at work or running errands, nothing deters bad guys and gals like a barking, slobbery security guard. And when you go away, having a pet sitter stay can be as economical as some boarding facilities (especially if you have multiple dogs), and you’ll get the benefit of a human and canine sentinel.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

What Does Austin Homeowners Insurance Cover?

by Rebecca Shahan

Do you know what homeowner's insurance covers in Austin?

A basic homeowners insurance policy (called HO-1 in insurance lingo) covers your home and possessions if they’re damaged or destroyed by these things:

  • Fire
  • Lightning
  • Windstorm (unless you live in a hurricane zone)
  • Hail (not available everywhere)
  • Explosion
  • Riots
  • Civil commotion
  • Aircraft  (and things falling from aircraft)
  • Vehicles (and things thrown from vehicles)
  • Smoke
  • Vandalism (although some policies exclude this)
  • Malicious mischief
  • Theft

Upgraded Homeowners Insurance

An upgraded policy (called HO-2) adds protection to your home and possessions from even more perils. You get protection from everything on the HO-1 list (above) plus:

  • Falling objects
  • The weight of ice, snow, or sleet
  • Flooding from your appliances, plumbing, HVAC, or fire-protection sprinkler system
  • Damage to electrical parts caused by artificially generated electrical currents (such as a power surge not caused by lightning). But damaged electronics such as computers aren’t covered.
  • Glass breakage
  • Abrupt collapse (say from termite damage)

That same list applies to the homeowners insurance you buy for a condominium or co-op (except then it’s called HO-6 instead of HO-2).

With HO-1, HO-2, and HO-6, what you see is what you get.

Other Things Homeowners Insurance Covers

In addition to covering your home, homeowners insurance also covers four more things:

1. Your outbuildings, landscaping, and hardscaping. If you have outbuildings, landscaping, or hardscaping, your homeowners policy most likely covers those for up to 10% of your policy amount.

Sometimes policies exclude damage to outbuildings, landscaping, or hardscaping caused by a particular peril (like wind).

2. Damage or loss of your personal belongings. Your homeowners policy covers your family’s belongings, even when you take them out of the house. If your child heads to college with a laptop and it’s stolen, that’s probably covered by your homeowners insurance policy.

A home insurance policy covers a lot of your personal belongings, but not necessarily everything.

Replacement cost means that the insurance company will pay the full cost of replacing an item once you show a receipt. Cash value means the insurance company will issue you a check for the amount that the laptop or sofa would have been worth when it was stolen or destroyed.

3. Temporary living expenses if your home is so damaged you can’t live in it. When you can’t live in your home, your homeowners insurance covers your living expenses, including hotel bills and meals. But, you can’t live in the hotel forever and eat lobster every night on the insurance company’s tab. Your policy will have limits on how long you stay and how much you can spend.

4. Injuries or accidents at your house. Homeowners insurance coverage includes liability – meaning it covers you when you or your family members cause injuries or damage. This coverage also pays when your dog bites someone (medical payments) or someone falls and injures themselves.

Add an umbrella policy to boost your liability coverage into the millions.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Deciding on Windows for your Austin Sunroom Addition

by Rebecca Shahan

The right windows are the key to an amazing sunroom. And when you plan a sunroom, you can expect to use quite a few windows, perhaps 20 or more. That means that you need to carefully chose the right style, material, and price point to keep within your budget.

Before you head on down to the showroom and look at the hundreds of options, there are a few big questions you can think about that will make the selection process easier.

How efficient do you want to go?

Most modern windows are double-paned and range from $700-$1000 each. These windows have a low-emissivity coating that helps block heat from entering in the summer and escaping in the winter. But you can even get more efficient windows.

Triple-paned windows are filled with argon gas for more insulation, but they can cost as much as $500 more per window.

How should they open?

One of the great things about a sun room is to enjoy the fresh air on nice days. How your windows operate will determine how easy it will be to let that fresh air flow.

There are the five basic window types:

  • Fixed windows ($250 to $750 each) don’t open, and are typically used in solarium-style sunrooms (where the walls are made entirely of glass) or high up the wall in standard sunrooms, where you can’t reach them anyway.
  • Slider windows ($500 to $750) consist of two sash (framed panes) that move side to side, one in front of the other.
  • Casement windows ($250 to $500) are hinged on one side and open out when you turn a hand crank. That means you’re able to open the entire window, unlike sliders and double-hungs, which can only be half open. Still, when opened, casements can obstruct the yard—and the crank systems on lower-end units tend to break after a few years, says Annapolis, Md., home inspector Jim Rooney.
  • Awning windows ($250 to $500) are like casements turned on their sides, so the hinges are on top—and the window becomes a rain shield when open. They’re typically used high up in the room to allow warm air to escape.

What material do you want?

You’ll also want to consider what your windows will be constructed from—a decision that’ll dictate not only how they look, but how much maintenance they need.

  • Vinyl windows ($300 to $800) never need painting on the inside or out. They’re economical, come in white and a handful of other colors, and look good on a simple home. For an upscale house, though, vinyl can look a bit incongruous.
  • Wood windows ($400 to $1,000) offer a traditional, high-end appearance and can be painted to match the interior and exterior trim of your sunroom.
  • Clad windows ($500 to $1,200) are made from wood but are covered with vinyl or aluminum on the outside. That “cladding” is available in a range of colors and never needs painting, so you get the look of wood on the inside with a low-maintenance of a paint-free exterior.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Converting a Garage Into a Living Space: Your Family vs. Your Car

by Rebecca Shahan

Need to add more room to your home without adding onto your existing structure? Your garage may be the answer. Converting your garage into a livable area can add around 600 sq ft for a 2-car garage. On the up side, it will cost less than an addition. But the down side is your car may suffer.

What Does It Cost?

Converting a garage has the benefit of the existing structure. So it will cost about half of an all-new addition. You can expect to pay between $20,000 to $50,000 on a 2-car garage, depending on features. Want a bathroom as well? Add another $15,000 to $25,000.

What All Does It Involve?

Don't go thinking that converting a garage is a cheap project. A quality conversion may take 4-6 weeks and include:

  • Raising the floor height to allow for insulation over the concrete slab
  • Fully insulating walls and ceiling
  • Providing heating and cooling for the space, either by tying into the house’s main system or adding an independent one, such as a ductless mini-split system
  • An electrical service upgrade to accommodate the larger load
  • Opening up the partition wall between your house and the garage to create an open floor plan
  • Replacing garage doors with fully insulated stud walls
  • Adding windows and doors

How Do You Make Look Like It Was Always a Living Space?

If you go to the trouble of converting your garage, you may not want people asking "wasn't this a garage once?" You need to eliminate any evidence of the old garage door openings, install plenty of windows, and perhaps add rooftop design elements, such as dormer windows.

An architect can help you add design elements. Expect to pay $50 to $150 per hour for the services of a registered architect, or 5% to 20% of the cost of the whole project.

What’s the Downside?

The downside is where you now park your car(s). If you never parked them in the garage to start with, then great. But if you did, then you should look at the risks of parking outside, such as potential weather damage or theft. You may also lose storage for landscaping tools and lawnmowers. For that purpose, you might think about adding a shed for lawn tools.

What Are the Alternatives?

What about your basement, if you have one? If it's full height, then remodeling it will cost the same as a garage, and you won't give up your parking and tool storage.

Another approach is to leave the garage parking intact, and add new living space above it. It’s rare for a garage roof to be able to accommodate a full second story, so this project typically involves tearing off the existing roof, beefing up the garage’s structure, and then building the new space over it. But that can be a lot more work, and can cost much more.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Austin Home Remodeling Projects With Top-Dollar Returns

by Rebecca Shahan

Not every home improvement project brings the same return on the dollar. Certain improvements will yield a larger return when you sell your home.

Your home may be in the perfect location, with the right price and a perfect lot. But what about the house itself? Maybe not quite as perfect?

So where do you start in your improvement endeavors? How about with data? Data is that friend who tells you like it really is.

The “Remodeling Impact Report” from the National Association of REALTORS® has tons of data on how much improvements cost — and how much of those costs you can recoup.

Here are the best five home remodeling projects with equity-building might:

New Roof

If you find yourself sprinting for the buckets when it starts to sprinkle, getting a new roof should be your No. 1 to-do. Measuring rainfall from the indoors isn’t cool.

The cost: $7,500

The return: 109% at $8,150

Considering it’s what’s between you and the elements, it’s a no-brainer.

Not sure if you need a new roof? Signs you might include:

  • Shingles are missing, curling up, or covered in moss.
  • Gritty bits from the asphalt shingles are coming out the downspout.
  • The sun’s shining through your attic.
  • You notice stains on ceilings and walls.
  • Your energy bill is sky high.

Hardwood Floors

You flip on the TV to see that your fave home reno-ing duo is it at again, flipping a ranch that’s stuck in the ‘80s.

They make it to the living room, pull back the dingy carpet to reveal hardwood floors in great condition. They’re psyched — and for good reason.

Hardwood floors are a timeless classic. Refinishing is a no-brainer. Neither will you regret adding new hardwood floors if you have none.

The cost to refinish: $2,500

The return: 100% at $2,500

The cost to buy new: $5,500

The return: 91% at $5,000

New Garage Door

No surprise that a garage door replacement project made it onto this #winning list — a new garage door provides a big boost for your home’s curb appeal at a relatively modest cost.

The cost: $2,300 (for a two-door)

The return: 87% at $2,000

There are options galore, too. A host of factory-finish colors, wood-look embossed steel, and glass window insets are just some of the possibilities that’ll give your doors bankable personality.

Better Insulation

Insulation is tucked out of sight, so it’s often out of mind — that is, until you’re forced to wear your parka indoors because it’s sooo darn cold.

The cost: $2,100

The return: 76% at $1,600 (plus the added savings on heating and cooling costs!)

New Siding

In any color! And never paint again.

Those are two of the three benefits of vinyl siding. The third, of course, is your home’s value.

But if long-time homeowners look at you funny when you mention vinyl siding, just tell them that today’s vinyl is way better than what they remember because of fade-resistant finishes and transferable lifetime warranties.

The cost: $13,350

The return: 75% at $10,000

Want fiber-cement siding instead? It also shows a strong payback of 83%. Although it’s the pricier option — you’ll spend about $18,000 with a payback of about $15,000 — it has one thing vinyl still lacks — the perception of quality.

And quality matters. Quality is the one of the most important traits that home buyers focused on when house hunting.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Staircase Makeovers That Most Any DIYer Can Tackle

by Rebecca Shahan

When it comes to DIY home improvement, usually the staircase gets overlooked. Yet if you take a second look at your stairs, you'll see that they can really make a difference in the appearance of your home.

What are some ways you can spruce up those old stairs and bring up the appeal to potential buyers?

These DIY staircase projects can get you started.

The Look of Tile Using Stencils

You can't beat the look and classic feel of black and white. And there's no material more dignified than tile.

You don't need to get a loan to cover each riser in custom tile. You can get some paint and a stencil for the same effect.

If you have a longer staircase, consider stenciling every other riser. You want to delight climbers, not make them dizzy.

A Pretty Pattern With Chalk Paint

A personalized staircase doesn't need to take over the interior design of the house.

You can use chalk paint to give your stairs a soft, subtle look. The pretty pattern is unique enough to feel custom, but the light colors and chalky finish prevent it from overpowering the room.

And here’s a tip for any time you’re painting a staircase: Consider leaving the banister unpainted for a nice pop of contrast.

An Eclectic Look With Real Tile

You can also use tile to give your stairs a great look and offer more durability.

Creating alternating sets of pattern and complementary colors on each riser makes for a one-of-a-kind staircase that’s anything but redundant. While trimming tile to fit stair risers might be above some DIYers’ pay grade, this personalized look could be worth flagging down an expert to pull off.

A Way to Show Off Your Reading Obsession

Have a specific obsession? Decals are a great way for your staircase to share your fandom.

Peel-and-stick decals can be customized with your choice of words or images. Bibliophiles can choose book titles like these, but thanks to the wide world of available decals, you can also find favorite sayings, patterns, characters. Just make sure not to do this if you plan on selling your home soon. This is for those of you who want to customize a home you plan to stay in for a while or just bought.

When working with decals, just make sure to read the fine print. These decals, for example, are just the lettering of the book titles, so painting the risers is a project you’d need to take on first.

A Stair Runner Out of Floor Runners

Standard stair runners are as snooze-worthy as the stairs they cover. Don’t settle if you can’t find one that makes your heart dance.

ouble-check you’ve picked a rug that’s narrower than your stairs. Rugs come in such a blinding variety of dimensions, it’s easy to pick the wrong one.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Remove Wallpaper Without Removing Your Sanity

by Rebecca Shahan

Most people would do just about anything to avoid having to remove wallpaper. It's rarely a task that makes it to the top 10 "fun things to do" list.

But let's face it, when wallpaper needs to be removed, it's got to go. What are some ways to make sure that removing that dated wallpaper doesn't take your sanity with it?

Check to See If Your Walls Were Primed

Those who tell you they just ripped their wallpaper right off had the walls sealed with wallpaper primer. Hopefully your walls have the same preparation.

Priming was more common in the 1990s and prevented the wallpaper glue from soaking into the plaster and making the bond too tough.

You can check to see it your walls are primed by loosening a corner or seam with a putty knife and just pull. If it just comes off in a sheet, you're in luck!

With well-primed walls, dry stripping should work for the entire job and you could finish a room in a couple of hours at most.

Water Works Miracles

Thankfully, wallpaper glue is water based, so water works wonders in removing wallpaper if your walls aren't primed. It's a technique the pros use, it works so well.

Here’s what to do with water:

  • Score or perforate the paper and its backing in sections so water can soak through and loosen the glue. The pros recommend a scoring tool called the PaperTiger (under $20) because it doesn’t harm the wall.
  • Douse the perforated paper with hot water using a pump or compression sprayer. The big mistake most people make is using a regular old spray bottle or damp rag to wet the paper. This leads to hours of fruitless scraping because the paper and its backing don’t get sufficiently saturated. The sprayer, on the other hand, gives you the firepower to really soak the glue.
  • Let the paper soak for about 15 minutes and scrape it off with a putty knife.

It could take you six hours for an average room, but that’s way better than the days of effort it could take if you don’t know what you’re doing.

Avoid Chemical Strippers Because of the Fumes

Why do pros use chemical strippers if water works so well? Because it can dissolve glue faster than water. But the trade-off is the fumes. Plus, water is cheap, so it just makes more sense for DIY.

Don't Try the Fabric Softener Trick

Through the interweb grapevine, you may have heard that fabric softener (diluted with water) is a brag-worthy way to remove old wallpaper. But we couldn’t find a single expert who agrees.

Fabric softener just makes the process more complicated, smelly, and even messier than using just plain old water. You end up mixing glue with the chemicals from fabric softener. In addition, fabric softener may harm drywall.

So when it comes to removing wallpaper, the happiest journey (assuming your walls aren’t primed) involves water — and patience.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

How to Seal the Deal When Closing Your Home

by Rebecca Shahan

This is the moment you've worked for. It's time to close the deal on your new home. The home you've been wanting is almost yours, and the keys are nearly in your hands.

As you cross the finish line, what are some things to consider?

What Does "Closing" Mean?

Closing simply means that you sign the final paperwork that gets you the keys to your new home.

The process really begins when you sign a purchase and sale agreement, which specifies the closing date. It usually takes about 4 - 6 weeks from the signing date to closing date. During this time, purchasing funds are held in escrow, where your money is safe until the deal is officially done.

What's a Closing Disclosure?

A Closing Disclosure, or CD, is provided by the lender at least three days before settlement. The CD discloses you final loan terms and closing costs.

The reason for this step is to make sure there's no surprises during the final closing. You should let your lender and title company know right away if there's a significant discrepancy between the Loan Estimate and CD. Depending on what the underlying issue is, the closing has to stop and a new closing disclosure must be sent out with a new three-day review period.

The main things that can't change between by the time you get the Closing Disclosure is the interest rate and lender fees. Some items can change by only 10% (fees paid to local government to record the mortgage might be one); and others can change without limit, like prepaid interest, because it can’t be predicted at the start of the loan process.

When Will the Final Walk-Through Happen?

Usually within 24 hours of the settlement, you and your agent will do a walk-through of the home, making sure any repair work that the seller agreed to make has been completed.

If any repair work is missed, your agent will contact the listing agent and, in most cases, negotiate to get the seller to compensate you at closing, This will usually be in the form of a personal check for the costs of fixing the problems yourself.

Worst-case scenario: You have to delay closing to resolve problems. In the unlikely event that happens, your agent will help you address the issue.

How Much Will I Pay for Closing Costs?

Closing costs can be frustrating for home buyers, as there can be unexpected surprises.

Costs are split between you and the seller, but as the buyer you’ll cover the lion’s share. You can generally expect your closing costs to be 3% to 4% of the home’s sales price. So, on a $300,000 home, you can pay anywhere from $9,000 to $12,000 in closing costs. (Meanwhile, the seller typically pays closing costs of 1% to 3% of the sales price.)

You can try to predict closing costs with calculators which lets you plug in your mortgage details to get a rough estimate of what your costs will be.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

What Austin and Lake Travis Home Buyers Should Know About Appraisals

by Rebecca Shahan

Most of us have our own reasons for wanting to buy a home. Maybe we want a bath with a luxury spa. Maybe we want a huge deck for parties.

But your lender doesn't care about such things - the designer tub, the fire pit, and all the extras. What they really care about is the actual value of the home and if it's worth as much as the value of the mortgage.

To a bank, a house is collateral. That means that they can foreclose on the home if you miss payments.

Therefore, a home must be valued at, or above, the agreed-upon purchase price, and this has to happen before you can close on a house. That’s where a home appraiser comes in.

A Home Appraiser Is Neutral

After you sign a home purchase agreement, which is the contract between you and the seller about the terms of the pending sale, and before your lender approves your loan, the home you’re buying must pass an appraisal.

An appraiser is either licensed by the state or a certified professional. It's their job to asses the value of the home. They are on no one's side, not you or the seller. They are chosen by your lender through an appraisal management company, which is a neutral entity.

Appraisers survey a house in person, using five main criteria to determine the value of a home:

  • Location
  • Age
  • Condition
  • Additions or renovations
  • Recent sales of comparable homes

Be Prepared to Pay for the Appraisal — or to Negotiate

Usually the home buyer is the one that pays for the appraisal, and this is generally included in the closing costs. But this can be negotiated. You can always ask if the seller will pay for it.

Home appraisals are not as expensive as you might think. They will usually cost between $287 and $373.

Appraisals Take a While, So Be Patient

Typically, a purchase agreement has a “home appraisal contingency” requiring that the appraisal be completed within 14 days of the sales contract being signed. Because it takes appraisers some time to visit your house and write a report — up to a week, or longer in a busy housing market — your lender will order the appraisal immediately after you sign the purchase agreement.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Getting a Mortgage With a Low Credit Score

by Rebecca Shahan

Here's a fact many people don't know. The credit score to buy a house can be as low as 580!

Having a low credit score doesn't mean that owning a home is impossible. It will mean, however, that a mortgage will cost you more than if you had perfect credit. But there are still many lenders that will work with you.

Here’s what you need to know about low-credit score mortgages:

What Counts as "Low Credit"?

We first need to get past the myth that you have to have amazing credit to buy a house. Lenders will take into account your entire financial picture. If you have a stable income, regular payment history, and cash in hand, this will all help if your credit isn't so stellar.

Here’s how FICO generally categorizes credit scores:

  • 800+ = Excellent credit score
  • 740-799 = Very good credit score
  • 670-739 = Good credit score
  • 580-669 = Fair credit score
  • Below 580 = Poor credit score

Having a credit score below 669 usually makes you what is called a  “subprime” borrower, according to FICO. This means that a loan will cost more, since you're a bigger risk. You will also have fewer options.

Your primary low-credit-score mortgage option will be FHA , which sometimes give loans with credit scores as low as 580. But the lower your score, the more it will cost you.

How Does Your Credit Score Affect Interest Rates?

Having a lower score means you will usually pay more of a down payment, higher interest rates, and private mortgage insurance.

Buy Now Or Work On My Credit?

If you pay a ton for rent, then buying now might be better, then you can refinance when your credit improves. For others, it may be smart to how promptly you pay your bills; it accounts for 35% of your score. A lender can help you decide. Or you can use an online tool to estimate the cost of different scenarios.

If you’re going to apply for a low-credit-score mortgage, more cash in the form of a bigger down payment helps. Plus, it can reduce your interest rate, which reduces your monthly payment.

How Do I Boost My Credit Score?

If you opt to work on your credit before getting a mortgage, here are a few ways to do it:

  • Look into rapid rescoring. You’ll work through your lender to fix errors and update information with the credit bureaus quickly, sometimes within days or weeks, rather than months. This isn’t credit repair, but a way to accelerate getting updated information through the system and into your report. Discuss with your lender whether this is a worthwhile pursuit for your circumstances.
  • Find a reputable credit counselor to guide you as the industry is fraught with scams.
    • Check your credit report for errors.
    • Pay off credit card balances.
    • Pay off other outstanding collections.
    • If you don’t have credit, get a credit card or small loan and establish a good payment history. (No credit is low credit.)

Even if you have a low credit score, a mortgage isn’t out of reach. While it may cost you more to buy now, in the end, it may be less expensive than waiting. And you’ll get the joy of owning a home to call your own.

Check back on our blog twice a week for more real estate news, ideas, and local events in Austin and Lake Travis. You can search for the perfect home on our website using our powerful home search tools. You can also get free listing alerts of homes as they hit the market at WelcomeToLakeTravis.com. And you can always feel free to call us at 512-657-4467​ to talk to an experienced agent today.

Displaying blog entries 1-10 of 33