David Tellier - Homefitter Realty, LLC



Posted by David Tellier on 5/23/2019

If youíre hoping to buy a home in the near future there are several financial prerequisites that you should aim to meet. Ideally, youíll want a sizable down payment, a verifiable income history, and a good credit score.

It takes time to build credit. For most people, it can be several months or even years before they see a double-digit change in their credit score. However, if you have a low credit score and want to give it a quick boost, there are ways you can make a big difference.

But first, why should you focus on your credit score?

Credit scores and mortgages

When you apply for a mortgage there are several factors that your lender will take into consideration. One of their top concerns will be your credit score. This score is like a snapshot of your financial reliability. It tells lenders how much risk is involved in lending to you.

As a result, lenders will increase your interest rate if you are high risk and lower it if you are lower risk. To be a low risk homeowner, youíll want your score to be in the high range, (usually 700 or above).

Credit change potential

Depending on your financial history, it can be more difficult to raise your score in a shorter period of time. If you are young, donít have a long credit history, or havenít had many bills to pay in your lifetime, your score will be more malleable than someone who has had low credit for years due to late payments.

In the United States, you have to be eighteen to open up a credit card or take out a loan by yourself (this is different from getting a loan co-signed by a parent or guardian).  You can also ask your parents or guardians to add you as an authorized user of their credit cards. This will let you build credit without having to settle for the high interest rate credit cards you would be eligible for.

If you happen to have a low score (anywhere between 300 - 600), the good news is you can achieve a larger change over a shorter amount of time than someone who already has a high score.

So, how do you achieve that change?

Credit errors

One of the easiest ways to quickly improve your score is to check for errors in your credit report. You can get a free report each year from the three main credit bureaus--Equifax, TransUnion, and Experian.

Look out for bills that have been mistakenly put under your name and for collections that shouldnít be on your account.

Avoid new credit

One thing that can do short-term harm to your credit score is opening or attempting to open new lines of credit. That can be a store card, a loan, or getting your credit checked by a lender.

If you want to build credit quickly, making several inquiries could land you with a lower score than where you started.

Pay your regular expenses with credit

A good way to gain credit points in a few months is to pick a monthly expense to use your credit card for. Pay off your full balance at the end of each billing cycle to earn the most points while avoiding building up too much interest.





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Posted by David Tellier on 5/16/2019

Moving into a new home can be overwhelming. Once you have gone through the long process of buying a home, when the keys are your hand, your mind could be swirling with tons of ideas for what you should do in your new space. There are a few important things that you need to complete before you get into painting those walls or buying a new sofa. Read on for tips.


Look At Your Things


In the excitement of moving, you may forget about all of the stuff that you actually moved into the home. If you hired movers, check your boxes. Make sure that nothing is broken or damaged from the move. If there is anything wrong, you can file a complaint with your moving company.


Turn The Utilities On


The utilities need to be turned over to you from the previous owner. In many cases, youíll need to contact the local utility companies in order to get the bills switched to your name and the services started. This is important for you to have a completely functioning household. Cable and Internet is a choice provider that youíll also need to set up ahead of time before your move.


Unpack Your Stuff


Rome wasnít built in a day but you need certain things like clothes and coffee makers as soon as you move into a space. Find the boxes that have the most important things in them like sheets, blankets, clothing, and important appliances. Work your way out. You donít want your new home to stay a complete disaster zone forever. 


Organize Your Stuff


Moving into a new home gives you a new opportunity to get organized. Get everything in order the first time. This will keep you from needing to clean up constantly at a later date. When you start off with good organization youíll be a lot happier in your new home. 


Think Security


Make sure that your new home is secure for your family. Think of everything from accidents to crime. Install an alarm system. Change the locks. Inspect the property for any hazards. All of these activities can help to make your new home a more secure place to live. 


Learn About Your New Surroundings


When you move into a new neighborhood, you should take the time to get to know the area. This includes meeting your neighbors and taking a stroll around your neighborhood to see the area more closely. Discover the highlights of the area like restaurants, shops, and other activities. Enjoy the new place that you call home to the fullest!




Categories: Uncategorized  


Posted by David Tellier on 5/9/2019

If youíre making the transition from renting an apartment to buying a home, it can be difficult to ensure you have a place to stay while you search.

There are a number of reasons you may need temporary housing while house-hunting. Maybe youíre moving to a new state and need temporary housing while you search in the area. Or, maybe you just donít want to sign a year-long lease on a new apartment that you donít plan on staying in for a full year.

Regardless of the reason, weíve got you covered. In this article, weíre going to talk about how to find temporary housing while you navigate your way toward homeownership.

Short-term rentals and sublets

One of the most convenient way to rent an apartment while you search for a home is to simply find short-term rentals.

Landlords use leases for a number of reasons. Among them is knowing that they can count on a tenant to stay long enough to be worth the hassle of going through the rental process.

However, there are some landlords who cater to people who need to rent for only a certain amount of time--namely business professionals and college students. Landlords rent to these people with short-term leases because they are certain that they will get the full lease amount in pay.

Similarly, searching for sublets is a good way to find an apartment on the short-term. Sublets are often cheaper than their normal renting price because the tenant needs to find someone soon. Youíre especially likely to find a sublet if you plan on moving in May or June when college students are going home for the summer.

Another service that could be helpful is Airbnb. Many people think of Airbnb as a tool for finding a vacation home or spare room while traveling. However, there are also a number of short-term rentals on the site. You can simply enter the dates youíre planning on staying and compare results. Just be sure to read reviews of the house to be sure that youíre dealing with responsible and trustworthy property managers.

Words of caution

While short-term rentals can save you money while you search and help you avoid a lease, they do come with risks. For example, if renting off of Craigslist, never send sensitive data, payments, or bank account information before verifying that they are actually the manager of the property.

If you do decide to sublet an apartment, take photos when you move in so that tenants or landlords donít try to hold you liable for any damage caused before or after you leave.

Finally, if you decide to go with a service like Airbnb or extended stay hotels because they appear cheaper than renting, remember that you wonít be able to store your belongings there and might have to pay for storage and a moving truck to transport your belongings. These extra fees can add up quickly over a couple months.

Once youíve determined your options for temporary housing, hunting for your new home will become much easier.




Tags: house hunting   renting   sublet  
Categories: Uncategorized  


Posted by David Tellier on 5/2/2019

There's no question about it: Being a homeowner can be a very satisfying and rewarding experience! However, enjoying that added privacy, control over your environment, and pride of ownership does not come without a price.

When you go from being a renter to an owner, a lot of things change! In additional to being responsible for property maintenance, repairs, and improvements, home ownership requires an investment of time. For many people, devoting a block of time to painting a room, organizing a closet, or cleaning out the basement can be the trickiest part of getting a project done!

One of the biggest obstacles to starting a home project is the natural human tendency to procrastinate -- especially if the project infringes on your relaxation or recreation time! On the other hand, the satisfaction you'll experience when the job is done will more than justify the time and effort. The overriding question is: "How can I motivate myself to tackle the project and get it done?" While there isn't a one-size-fits-all approach to self-motivation, here are a few ideas which might help!

Create a To-Do List: Writing down a list of priorities and revising it several times a week is a tried-and-proven method of getting things done around the house. Writing down your short-term (and long-term) goals engages your attention, serves as a visual reminder, and sets an intention for taking action. When you create a to-do list and look at it a couple times a day, it helps to focus your mind on what you want to accomplish. By organizing your thoughts, it makes it much easier to organize your home and your life. It's definitely not a panacea for all of life's ills, but it can be a darn good starting point!

Announce Your Intentions: Once you tell your spouse, your best friend, or your mother that you're going to clean out your garage or paint the spare room on Saturday, it makes it a little harder to wiggle out of it -- especially, if you've used that project as a reason for declining an invitation or postponing a favor. By stating your intention, it's almost like you're promising to do something. Since most of us are inclined to live up to our promises, announcing your intentions to complete -- or at least start -- a home-improvement or organizing project may be all it takes to get the ball rolling!

Buy or Gather the Supplies: Whether you need supplies for cleaning, painting, or screen repair, having them on hand will make it much easier to get started. On the other hand, not having them in the house makes it all-too-convenient to say, "I'll get to it tomorrow!" And as you may know, "tomorrow" either never comes or it turns into "next year!"





Posted by David Tellier on 4/25/2019

Selecting a cat to become the newest member of your family can be very exciting. Sometimes, the decision can be easy as falling in love with the cute little sight. However, if you are in search of a specific breed, it may be pretty complicated as you will need to put a lot of time and research into it. Some cats may be appealing to the eyes, but they lack the temperament to be with little children. Others may be too vicious and active which may be a problem if you love having a quiet time in your apartment. Below is a list of the most popular breeds of cat, to help you make you make an easy decision:

Persian cats

Persians are fluffy, regal and very, very beautiful. Short and round with a pretty large head, Persian cats require frequent grooming; so choosing one will be a bad choice if you are not ready to put in enough time and effort to keep them looking beautiful. Persian cats are quiet so if you have loud kids, don't get one.

Siamese cats

If you want a cat with a bucket-load of fun, you should get a Siamese cat. They have a short, sleek hair, unique dark points on their ears, tail, and feet that make it look exotic and charming blue eyes that will melt the toughest of heart. Although they have a loud yowling that sometimes can become annoying, Siamese cats are affectionate, full of energy and they don't get cranky if there is another pet in the home. Also, they require little attention. 

Ragdoll cats 

Big, affectionate, and very fluffy, the Ragdoll loves cuddling. They are very docile, so while theyíre very playful with children, they donít do well if theyíre in public. If you have stubborn mice doing a lot of havoc while you are asleep, rest assured it will end up going or dead when a Ragdoll gets into your home, because they are excellent hunters. They require moderate training and are very easy to train. 

Bengal cats

A Bengal cat is a cross between an Asian leopard cat and a domestic cat. They are sleek, playful, well-muscled and very intelligent. Do you want a cat that stands out from the rest? This is the cat for you. However, they require a large amount of grooming and attention. 

Domestic cats

These cats are often called tabby or moggies because of the color ratio of their coats. Domestic cats arenít a specific breed, but rather an amalgamation of different breeds. With that in mind, their temperament varies, but they make lovely pets and are very cheap.

Cats come in different temperaments, shapes, and sizes. So while the beautiful blue eyes of the Persian may seduce you or you may love the intelligence of a Ragdoll, there are other factors to put into consideration before you choose a pet. The payoff with a cat is it will be a companion you and your family will enjoy for years.

Visit the local shelter or consult with the nearest vet and rescue a furry friend for your family!




Tags: pets   family   cats  
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