You may have been hearing about new credit card rules taking effect. We outlined them in May when the bill was in the process of being passed, but here’s a list of some new requirements (courtesy Federal Reserve): No interest rate increases in the first year. No increase in interest rates on your existing balance, except under certain circumstances. No over-the-limit fees unless you choose this service. Payments over the minimum must be directed to the highest-rate balance first. 45 days’ notice required before an increase in interest rates or new fees. Credit card bills must be mailed... [more...]

Normally, we recommend you consult or hire a stager before listing your home. But some of my clients want to get a head start, and this is what I recommend. I find my clients are becoming more savvy about how to prep their homes for sale. (Thanks goes to HGTV, I suspect.) This is a long, detailed list. (You can download a printable version.) However, I can sum it up easily: De-clutter, use a storage unit, and CLEAN. Your home must be as clean as possible. I recommend a pre-listing professional cleaning, and have put it on the list. ☐ GET A STORAGE UNIT ☐ KEEP EVERYTHING CLEAN Outdoors ☐ Clean... [more...]

By Steve Habegger AmyBSells Team Certified Distressed Property Expert Short sales and foreclosures have become dirty words to the average person.  But in my experience and education, I’ve found that there are many average people who are unfortunate enough to encounter these realities.  Too many homeowners are making decisions without proper information. That is why I have become a Certified Distressed Property Expert (CDPE) for the AmyBSells Team. A CDPE is a real estate professional with specific understanding of the complex issues that confront homeowners in distress. Through comprehensive... [more...]

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