House Escape

03/04/2015

Feel like you are struggling paying off bills and loans?
This video gives you many different tips on how to save money, so you do not have to worry so much about how you are going to pay your bills from month to month.

Learn how to save money on everyday expenses. We'll show you easy ways to save on everything from life's basic bills to your entertainment fun money.

03/01/2015

It is going to be a cold winter this year. Have you prepared for the cold weather?
Every year many families' pipes freeze because they do not know how to properly prepare for the cold weather. This link will help prepare you and your pipes for the cold weather, and even assist in mentioning ways to thaw pipes that freeze.

http://www.todayshomeowner.com/how-to-prevent-pipes-from-freezing-and-thaw-frozen-pipes/

03/01/2015

Have you checked for errors on your credit report lately?
Many never even think of this, but last year 1 in 20 people had credit report errors. Be sure to check your report regularly to make sure there are no errors bringing your credit down. If you have errors they may not make a huge difference, but even a 25 point jump is a decent amount.

http://www.forbes.com/sites/laurengensler/2014/08/22/how-to-scrub-your-credit-report-clean-of-costly-errors/

03/01/2015

Are you spending a ton on energy costs?
Here are over a hundred helpful hints and ways to help you lower your energy bills!

https://www.consumersenergy.com/uploadedFiles/CEWEB/SHARED/more-100-ways-save-on-bill12-06.pdf

03/01/2015

Considering a short sale?
Although overall a short sale may seem more pleasing than foreclosure, it can still trash your credit score and cause it to drop anywhere from 85 to 200 points. Maybe it's time to do some research! This article tells you more about what a short sale can do to your credit.

http://www.realtor.com/advice/short-sale-impact-credit-score/

Both a foreclosure and a short sale can lower your credit score and will stay on your credit report for seven years.

03/01/2015

Mortgage guidelines are increasingly becoming more strict, and even FHA guidelines are doing so as well. Here are some new guidelines to the FHA loan program, and also a run down of their changes!

http://www.biggerpockets.com/renewsblog/2010/2/16/fha-changes-make-fha-loans-more-expensive/

03/01/2015

Embarrassed to admit your credit score?
Here is a list of several different steps you can take to help improve your credit score. Your first step is going to involve you taking action, your credit will not get any better without you taking charge.

http://www.forbes.com/sites/moneybuilder/2014/05/02/11-ways-to-raise-your-credit-score-fast/

03/01/2015

How will foreclosure hurt your credit score?
Because you are not working with whom you owe money to settle your debts, foreclosures can do some major damage to your credit score. On average, your credit score will drop anywhere from 85 to 105 point AND on average it takes between 3 and 7 years to recover from a foreclosure. Check out some facts about foreclosures and their effect on your credit, along with some things to think about if you are considering foreclosing.

http://www.financialsamurai.com/how-much-will-a-foreclosure-short-sale-hurt-credit-score/

If you are thinking of foreclosing, make sure you know all the repercussions beforehand. Your credit score will take a huge hit.