http://www.scottsdale-blog.com McCormick Ranch in the Heart of Scottsdale Wed, 10 Mar 2010 23:25:04 +0000 http://backend.userland.com/rss092 en Anyone watching the active listings of homes will see the abundance of  "Short Sales" available. So what are they? A short sale is where the seller owes more on their home than the current value and they are asking the bank to be 'shorted' the funds due them. And what's the deal... ... http://www.scottsdale-blog.com/2010/03/considering-buying-a-short-sale/ When your lender 'pulls your credit' they get a Tri-Merged credit report.  That translates to, the single credit report they receive is a compilation of all 3 of the main credit bureaus reports.   The lender will use your Mid-Score.  That is not the average of your 3 scores, but the ... http://www.scottsdale-blog.com/2010/02/my-credit-score-isnt-the-same-why/ There are many services out there that charge quite a bit to clean up your credit score.  If you are considering purchasing a home, I would suggest first contacting a good mortgage banker and see what could be done quickly, or will it be a process that takes time. If you ... http://www.scottsdale-blog.com/2010/02/correcting-my-credit-%e2%80%93-what%e2%80%99s-that-all-about/ Most people (74%) believe your credit score is based on your income.  Not True! 35% is payment history The most important factor in your credit score is your payment history. Making payments on time is key in keeping and getting your score as high as possible. 30% is the amount ... http://www.scottsdale-blog.com/2010/01/what-goes-into-creating-your-fico-score/ The average rain fall in a year for the Valley is roughly 8". But what is normal truly. Last year we had less than 4" for the whole year. This week we have already had over 1 1/2 inches and more is coming, possibly 3"-5" tonight. What should ... http://www.scottsdale-blog.com/2010/01/its-raining-in-arizona-things-to-know/ PFChangs rock and Roll attitude Originally uploaded by IreneHammond I wish I could get out to the festivities this weekend. I have clients in from out of state and will be missing it. The PF Changs Rock and Roll Marathon is always fun to participate in as well as encouraging the athletes. ... http://www.scottsdale-blog.com/2010/01/pfchangs-rock-and-roll-attitude/ I discovered a few new things at a class on Credit recently. I had always thought a credit report is a credit report. That is not true. A consumer credit report and a lender credit report are two different critters. If you go to any of the credit reporting services, ... http://www.scottsdale-blog.com/2010/01/all-credit-reports-are-not-created-equaly/ When I got started writing Scottsdale-Blog.com I didn’t realize what I was getting myself into. What I have discovered now is that my blog lead me to several other Social Media outlets, Facebook, Twitter, Linked In and more. It also connected me to many, many other Realtors who were ... http://www.scottsdale-blog.com/2010/01/why-social-media-makes-me-a-better-realtor/ Welcoming in 2010, there are a few big events to consider bringing in the New Year! Scottsdale's Ultimate Block Party - This is the block party to be at.  Live music, lots of dancing and 7000 people Fiesta Bowl Block Party - not just for the football crowd - Rated as a ... http://www.scottsdale-blog.com/2009/12/happy-new-years/ Wishing you the very best this Holiday Season, From our family to yours Merry Christmas http://www.scottsdale-blog.com/2009/12/merry-chirstmas/