28 Saturday May 2016
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THANK YOU to our Military Veterans, past, present, and future. We are forever grateful!
The entire Hanley Home Team wishes you a Happy Memorial Day weekend. Be safe and thank a Veteran this weekend.
19 Thursday May 2016
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Buying a home, FL, handy tips, home safety, homes for sale in Jacksonville FL, Jacksonville, Jacksonville FL Real Estate, low interest rates, Moving to a new city, real estate, relocation, schools, Selling a home, summer safety tips, travel safety
Before you leave town, we thought you might be interested in a few precautionary safety tips to keep your home and your possessions safe while you’re gone. Often in the run-up to a vacation, people neglect to take simple steps to protect themselves from becoming a victim of theft or vandalism.
You’ve probably covered your bases, but just in case, here are 10 basic precautions you can take:
1. Have someone collect your mail and newspaper daily.
2. Leave shades and blinds in normal positions.
3. Put at least two lights and a radio on automatic timers.
4. Have someone leave trash at your curb on garbage collection day.
5. Have someone park a car in your driveway occasionally. If you leave your car outside, arrange to have it moved every so often.
6. Leave a key with a trusted neighbor in case of an emergency. Let the neighbor know where you are going and when you are expect to return, also leave them a way to get in contact with you in case of an emergency.
7. Lock all windows and doors before you go. Do not forget to double-check basement and garage doors.
8. On extended trips have someone to maintain your landscaping, (grass mowed, leaves raked, etc.)
9. Consider turning off your home’s water main to prevent damage from a burst pipe.
10. Be careful how much you check-in on social media while on vacation. If your privacy settings are incorrect you might reveal to strangers your home is vacant!
Be safe and have a HAPPY AND FUN SUMMER! When you return, let’s talk about your real estate needs before the kids go back to school. Kevin and Jennifer Hanley, REALTORS http://www.HanleyHomeTeam.com Keller Williams Realty Atlantic Partners Southside 904-422-7626
13 Friday May 2016
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NEW YORK – May 10, 2016 – A major credit reporting agency says it will soon take into account homeowner association fees. Homeowners who are late on payments may see it affect their credit score.
Sperlonga, a credit data aggregator, is the first company to provide homeowner association (HOA) payment and account status data to Equifax, which is one of the three major credit-reporting agencies. A full rollout of the new HOA reporting to Equifax will go live in October.
Homeowner associations and property management companies collect about $70 billion in HOA payments yearly among at least 333,000 community associations, according to the Community Association Institute.
“Until now, HOA payments have gone largely unreported to the national credit-reporting agencies,” says Matt Martin, chairman and founder of Sperlonga. “Our service will help elevate association payments to the same level of importance as the consumer’s other financial obligations like residential mortgages, auto loans and credit card payments. Property owners that pay HOA fees on time should begin to see the similar impact [on] their credit reports as they would with other payment obligations traditionally found in a credit report.”
Property owners who are late or delinquent on HOA payments will likely see a negative effect on their credit score, just as if they had missed a mortgage payment.
“Introducing new sources of data beyond what has traditionally been found on credit files can provide additional insight into a consumer’s financial behavior and help deliver expanded credit access,” says Mike Gardner, senior vice president at Equifax.
Source: Sperlonga and “Your HOA Payments May Now Affect Your Credit Score,” Credit.com (May 4, 2016)
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