Available thru agent: Angela R. Clark with real estate brokerage: Tony Clark Realtors LLC of Owensboro Kentucky 270-926-0055
View online http://www.TonyClark.com or http://www.AngelaRClark.com

 

 

 

If you're considering buying your first home, you're not alone. Low interest rates, affordable home values as well as a $8000 tax credit* have many Americans considering purchasing their first home.  It's important to be prepared to act when the right home finds you. 

10 Steps to Prepare for Home ownership:

1. Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.

2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.

3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.

4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 percent of the home price.

5. Get your credit in order. Obtain a copy of your credit report.

6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.

7. Organize all the documentation a lender will need to pre-approve you for a loan.

8. Do research to determine if you qualify for any special mortgage or down-payment-assistance programs.

9. Calculate the costs of home ownership, including property taxes, insurance, maintenance, and association fees, if applicable.

10. Find an experienced Tony Clark REALTOR^® who can help you through the process.

 

Ready to Buy a Home?   Let Angela Clark's experience be your guide! 

Call Angela Clark  at 270-929-4022  & discuss your home  options.  www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

   270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

 

Because knowledge is power, I wanted to share this information from www.TonyClark.com

Home Buyer's Resources Center.... -Angela Clark, Realtor, Tony Clark Realtors LLC

 

 

5 Factors That Decide Your Credit Score:

 

Credit scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage. These factors will affect your score.

1. Your payment history. Whether you paid credit card obligations on time.

2. How much you owe. Owing a great deal of money on numerous accounts can indicate that you are overextended.

3. The length of your credit history. In general, the longer the better.

4. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay promptly.

5. The types of credit you use. Generally, it's desirable to have more than one type of credit-installment loans, credit cards, and a mortgage, for example.

 For more on evaluating and understanding your credit score, visit http://www.myfico.com/?lpid=NARI3.

 

 

Ready to Buy a Home?   Let Angela Clark's experience be your guide!  Call Angela Clark  at 270-929-4022  & discuss your home  options.  www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

   270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

Understanding Your Credit
Your credit report is a record of information about your credit payment history. Private companies called credit bureaus compile credit reports. There are three primary credit bureaus in the United States: Equifax, Experian, and TransUnion. Each of the credit bureaus gathers information about consumers from a combination of public records, such as court documents and property tax rolls, and reports provided by businesses, such as banks, finance companies, and utility companies.
You can purchase a copy of your credit report directly from each of the credit bureaus.  If you are denied credit based on information in a credit report, the lender must tell you which reporting bureau was used, and the credit bureau must then provide you with a copy free of charge.  If you disagree with information in your credit report, you have the right to challenge that information. If you want to purchase an on-line version of your personal credit report, please contact:
Equifax 1600 Peachtree St. NW Atlanta, Georgia 30309 1-800-685-1111 http://www.equifax.com/	Experian 34405 W. 12 Mile Rd. Farmington Hills, MI 48331 1-888-397-3742 http://www.experian.com/	Trans Union  P.O. Box 390 Springfield, PA 19064-0390 1-800-916-8800 http://www.transunion.com/
At Tony Clark Real Estate, we depend on information in your credit report to help us decide if we can extend to you a rental housing agreement or purchasing property. If you're not sure what's in your credit report, may we suggest you review it before applying for a loan. Many consumer experts suggest that you review your credit report for accuracy at least once a year. Don't assume that you must have perfect credit to qualify for a loan. There are numerous financial products available, tailored to the needs of the individual. Mortgage programs such as FHA (Federal Housing Administration) and VA (Veteran's Administration) allow for a greater income to debt ratio. Talk to your Tony Clark agent that may be available to you, and to the home you are wanting to purchase.

 

Ready to Buy a Home?   Let Angela Clark's experience be your guide!  Call Angela Clark  at 270-929-4022  & discuss your home options.  www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

   270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

Are you having difficulty making your mortgage payment?  One of the most important things you can do is seek assistance, now!   The following links and resources may offer answers to your questions. The Realtors at Tony Clark Realtors offer resources and information for your convenience. 

The Department of Housing and Urban Development (HUD)
	Housing Counseling Agencies
	Tips for Avoiding Foreclosure
	How to Avoid Foreclosure (82 KB PDF)
Federal Housing Administration  (FHA)
	You Can Avoid Foreclosure and Keep Your Home
Federal Reserve System
	Federal Reserve Education - Foreclosure Resources
	Putting Your Home on the Loan Line Is Risky Business
Federal Trade Commission
	Mortgage Payments Sending You Reeling? Here's What to Do
	Credit Repair: Self Help May Be Best
Internal Revenue Service
	Homeowners Who Lose Homes; Foreclosure Tax Relief Available to Many
	Questions and Answers on Home Foreclosure and Debt Cancellation
Federal Reserve System
	Consumer Information from the FRS

 

Ready to Buy a Home?   Let Angela Clark's experience be your guide! Call Angela Clark  at 270-929-4022  & discuss your home  options.  www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

   270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

 

 

 

 

 

 

 

 

How do you build a house in 7 days? That was the question asked of Thompson Homes & Extreme Makeover Home Edition. And the Owensboro-Daviess County community responded with "Teamwork!"

Since the surprise knock on Steve & Melissa Mattingly's door on Saturday September 5th to today, there's been more than hammering & painting going... The volunteers have redefined what makes our "community" so great.

"The power of people who are teaming up to do something because they want to and not because they have to is an awesome thing."  Thompson Homes

 

Read the story of this amazing family's journey & the home's progress at our newpspaper, Messenger Inqurier: http://www.messenger-inquirer.com/articles/2009/09/11/news/local/15485146.txt

 

Capture Moments Photography has created an online photo gallery that is simply incredible:  http://www.facebook.com/p.php?i=558036650&k=5ZM3ZXQ5UT2A3KFBSFZ&oid=1074599560202

 

MOVE THAT BUS!!!!  

 

 

Ready to Move up? Or thinking of downsizing with style?  Give Angela a call at 270-929-4022  & discuss your home  options.   Let Angela Clark's experience be your guide!  www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

   270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

 

 

 

Is now the time to buy a home?   Give Angela a call at 270-929-4022  & discuss your home  options.   Let Angela Clark's experience be your guide!  www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

   270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

 

 

 Is now the time to buy a home?  Give Angela a call & discuss the options. 

Let Angela Clark's experience be your guide! www.AngelaRClark.com  

 Angela Clark, GRI, ABR, Realtor 

 270-929-4022   Cell

 270-926-0055  Office

 Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

 Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky

 

  

 

Is now the time to buy a home?  Give Angela a call & discuss the options.   Let Angela Clark's experience be your guide!  ONLINE www.AngelaRClark.com  

  Angela Clark, GRI, ABR, Realtor 

  270-929-4022   Cell

  270-926-0055  Office

  Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky

  Tony Clark Realtors LLC,  107 Main Street, Hawesville, Kentucky