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Can I Buy a House if My Credit Isn't Great

Life Changes... Constantly.  The up's, the downs ... Both big and small will have quite an impact on your life and your future. One of the questions I am constantly asked is "Can I Buy a House if My Credit Isn't Great"  Of course there are exceptions to every rule and and it really depends on how "not great" your credit score is.  It may take a little work and several months to see results, but the answer to this question is almost always YES!    Negative Credit History will always have an impact but in most cases it will not cause you to be denied completely.  Depending on the circumstances that caused the negative, it may be easier to remove than you might think. 1)  Due to a federal law that regulates debt collectors, known as the "Fair Debt Collection Practices Act", you are allowed to request a Validation from Debt from a creditor.   If the creditor is unable to provide this Validation, they are required to remove the deb...

Cleaning with Dawn

I am one of those people who believes that store brands are ok but there are some things you should always buy name brand.   Dawn Soap is one of them.   My husband once stepped on the newly paved driveway and walked it onto our ivory carpets.  I wish I had taken pictures of the footprints he had left as he walked from our doorway to our kitchen before realizing why his feet were sticking.  My thought was that if Dawn would get oil off of wildlife then it should get tar off of carpets.  It took some scrubbing but those carpets came out good as new!! Below are some more uses for one of my favorite brands... Bubbles Mix together 1/2 cup Dawn soap, 1/2 gallon of warm water.  Stir gently. Remove Foam.  Blow Poison Ivy The itch caused by Poison ivy is actually from the oil of the Poison Ivy plant.  Washing the area with Dawn helps dry up the oil and keep the itch from spreading Pest-Free Pets Use Dawn dish soap to bathe...

LIFE HACK: Have you run out of Swiffer Cloths?

If you ran out of Swiffer cloths and have baby wipes laying around then fear not!  Take two baby wipes and place each one long ways (so that the wipe folds over and attaches in the holes) The baby wipes will line up perfect and there is no need to run out to the store! If you need to clean up a bigger, stickier mess... Spray some Window Cleaner on the floor then clean as usual.  The dirt remains trapped in the wipes and the floor will smell nice and fresh! Check back often for more tips, tricks and info! Whether looking to Buy, Sell or Invest Holly DiMemmo, Realtor Joe Maggio Realty C: 302-930-8800 O: 302-226-3770 BuyandSellDelaware@gmail.com Like On Facebook @buyandselldelaware

My First House

Being in Real Estate, when the time came for me to decide between Buying a House or Renting an Apartment, I decided to become a Homeowner.  I started by searching for houses that were in Foreclosure and quickly learned that only a handful of Realtors in the area were certified as Foreclosure Specialists (basically, there was a special key and only about 3 agents in the County had this key) so there I was, a Realtor who needed a Realtor. Not having many options to choose from, I chose the first agent I called who actually returned my call.  We saw several foreclosures, including a house that leaned.  There was clearly a problem with the foundation which was very noticeable by a 3ft slant on the 2nd floor.  If the window was open, I would have slid right down and fallen two stories.  When I mentioned this to my agent he stated with the straightest face "It's just a little tilt"!! I ended up buying a different house we saw that day.  It didn't lean.  ...

Why Real Estate

When I look back at life after high school, I would have never thought that I was going to be a Realtor.  I began working part-time for a local bank during high school.  While I was there I met a wonderful man named Bill who I will credit for helping me find my way and ultimately my career. Bill was a regular at the bank.  He noticed how miserable I was and constantly told me I was in the wrong profession.  One day Bill handed me his wife's card and told me she was expecting my call. I absolutely hated that job at the bank.  In preparation for Y2K (remember that!) the bank made all these changes to ensure that their computers would not crash.  The bank manager took this as her  opportunity to embezzle quite a bit of money and it didn't take long before the FBI showed up at my home questioning me and threatening to take me to jail... ON CHRISTMAS EVE!! I immediately made the call to Bill's wife, interviewed and the following week I became the...