Ask The Underwriter at 2rHouse.org

It’s a pretty quiet time of year for housing starts and new home purchases. It still happens in December for sure, but May and November are usually the peaks and December is definately a slower pace than the rest of the year. If you’re a buyer, it might be a good time to find a bargain.

January is the time if you’re a seller. Buyers begin the search in earnest as the year turns and while they may not actually be knocking on your door yet, they are thinking about it. Take the time to plan minor fix-ups and improvements that will improve your curb appeal. Clear the clutter inside and make your space seem bigger and more inviting.

Buyers: this is a good time to work on improving your credit score. It’s possible to raise your score 20-50 points in a few months. January is when the good appliance sales and home furnishings are at their lowest prices. If your FICO score gets you higher rates, you’re not making progress, are you?
Start working on your credit now and by late spring, you could see enough improvement to get into a home.

Above all else, pull your family around and enjoy the winter Holiday season. Merry Christmas, Happy Holidays, and a blessed New Year to all of you.

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