Posts made by author 'New Leaf Team'
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Improving Your Credit Score
Even if you aren't planning to buy a house soon, improving your credit score can have a positive effect on your financial health. Credit scores are used in evaluating a range of loans such as personal loans, car loans, and home mortgages. They determine the terms of your loans and whether you can afford these loans or not.
Credit scores range between 200 and 850, with scores above 620 considered desirable for obtaining a mortgage.
What determines yo...
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Garage Sale Do's & Don'ts
DO Contact your HOA
Some HOAs & municipalities require you to obtain permission to hold a garage sale or post signs promoting one. Make sure yo...
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8 Reasons to Use a Realtor®
Whether you are a first-time homebuyer or an experienced investor, market dynamics are constantly changing and can be nearly impossible to keep up with. Having a real estate professional help guide you through the process can make your transaction go more smoothly.
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Preparing for Spring
"Spring is the time of plans and projects." - Leo Tolstoy
Spring is just around the corner, and we know many of you are looking forward to spending more time outdoors and taking on some new projects around your home. We've put together a few reminders about things that should be part of your spring cleaning checklist to help you prepare for the warm weather ahead.
Safety First!
In addition to regular full system tests, the batteries in your smoke detectors & carbon monoxide detectors should be replaced every 6 months to make sure they will work in an emergency. If you can't remember the last time you tested the system or how old those batteries are, make that a top...
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Real Estate 101: Common Terms in Real Estate Transactions
We know that buying a home can be a confusing process, especially if this is your first time going through the process or if it has been many years since your last real estate transaction. We've explained a few common terms that a buyer might hear during a real estate transaction, especially in the Charlottesville area, below.
EARNEST MONEY DEPOSIT
A deposit made by the prospective purchaser to show that they are serious about buying the property. While you are not legally required to make an earnest money deposit, it is customary in & around the Charlottesville area. The deposit amount, which is not a set amount, is typically due within 5 days of ratification. The purchaser's brokerage typically holds the deposit until settlement, at which point the funds are released to...
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