Commercial and Residential Real Estate for the Greater Phoenix Metro area of Arizona.
Saturday, December 21, 2013
Friday, December 20, 2013
Coggins Professional Building Offered by Steven Crane | Associate Broker at RE/MAX Excalibur
Sun City, AZ, 85351, USA
http://thebrokerlist.com/have/coggins-professional-building-2201
Wednesday, December 18, 2013
Your Credit Score - How to Have a Winning Credit Score
Create a Winning Streak
If you have sparse credit history, one of the best ways to establish a history and bring up your credit score is to pay your bills on time for many consecutive months, says Wayne Sanford, a credit expert with New Start Financial Corporation in Dallas. "After three payments in a row, you start to establish a payment history," Sanford says.
It's best to have one or two credit card payments in that mix of bills, to show that you can handle debt responsibly. However, charging large sums on the cards isn't necessary. In fact, you'll probably want to keep the amounts small enough to pay off every month, in order to avoid costly finance charges.
"Say one person charges up their credit card buying furniture for their house, while another just charges $50 a month for gas," Sanford says. "The $50 a month is going to score more favorably on [the credit bureaus'] scoring models, because they're not abusing the card."
Consider Your Long-Term Financial Plan
Retail stores commonly offer customers 10 or 20 percent off their purchases in exchange for applying for a line of store credit. But these accounts can lower your credit score by affecting your "card utilization" - the credit limit on a particular card versus how much is owed on that card. Store credit is usually extended in small amounts - say, $250 - so a purchase of $100 uses almost half of that card's limit, which can negatively affect your credit score.
"Credit bureaus used to look at overall debt utilization, but now they look at the individual cards," says Scott Kuhn, a mortgage banker in Philadelphia who works to improve credit scores for potential clients. "You can have 10 credit cards, nine with no balance, and one with a $100 limit and a $100 balance - just that one card can bring down your score."
To avoid this pitfall, resist the short-term temptation to save a little at the register with a store credit card. Pay cash or use one of your current credit cards. Your long-range strategy will prevail in the end.
Pay Close Attention to Medical Bills
Collection attempts for medical bills can lower your credit score, even if the bills are paid, Kuhn says. Many medical offices will turn accounts over to collection agencies if balances aren't paid - sometimes when they're as little as one month overdue. The agencies then place negative marks on the customers' credit reports, and don't always remove them when the debt is settled.
The solution? Pull your credit report and look for negative entries. If you spot one for a medical bill that's been paid, contact your doctor's office and ask them to send a letter to the credit bureau on company letterhead confirming the payment. "That alone can add as many as 100 points to a person's credit score," Kuhn says.
Don't Dwell on the Past
If you've made mistakes in the past with credit, a good way to bring up your score is to seek out secured credit cards and loans, which are guaranteed with money up front. A secured credit card, for example, may require a deposit of $500 to give you a $500 line of credit. Interest charges may apply to any balance you carry, but the score improvement it provides is often worth the cost.
"You have to do the math and say, ‘Is an investment of $100 or so worth me having good credit?'" Sanford says.
Before you open one of these "safe" credit accounts, however, make sure that the lender will report your on-time payments to the three major credit bureaus, and don't close the accounts too quickly.
How you pay your bills today counts more than how you paid them five years ago. Accounts that are currently open and being paid on will score more heavily than ones that are closed.
Finally, know that your credit scores follow you throughout your life. Making winning credit decisions today could help make your financial goals easier to reach in the future.
Tuesday, December 17, 2013
Brokerage? SO MANY CHIOCES
Residential
Commercial
Business broker
Property management
New home sales
Time share
All of these areas of specialization have a unique skill set requirements...
Thursday, December 12, 2013
FW: 4th Quarter Newsletter
|
Wednesday, December 11, 2013
Find It, Fix It, FLIP IT! (Written by: Michael Corbett)
Tuesday, December 10, 2013
Vacation Rental in Paradise Valley
Gainey Ranch house description
http://www.vrbo.com/205329
or Contact Steven Crane Directly at the following
Steven Crane | Associate Broker
RE/MAX Excalibur
8510 E Shea Blvd, Ste 100
Scottsdale, AZ 85260
480-812-5447 Mobile
stevencrane@live.com
Brand New Meetup.com Real Estate Group
http://www.meetup.com/cranerealestate/
The CRANE Real Estate TEAM is growing.
Yadira has a diverse cultural background where she is bilingual speaking Spanish and English. She has a significant level of expertise to manage projects as she comes from an Executive Chef position from a local Scottsdale Resort (Embassy Suites) at Stone Creek Golf Club. Yadira, also has experience as a small business owner having successfully established and run her own restaurant in Cancun Mexico.
Look for exciting things from Yadira in the months and years to come, she is committed to having a Personal & Professional commitment to our clients.
New on the Market (Medical Office Space "Sale or Lease") Sun City Arizona
10448 W Coggins Dr, Sun City, AZ
FEATURES:
- Located near Banner Boswell Medical Center
- Covered Parking Available
- Easy Access from US-60 (Grand Ave)
- Several Exterior Entrances, Which allows building to be subdivided
- Quality office improvements
Suite B: 2,145 SF
Suite D: 716 SF
Suite E&G: 3,364 SF
Suite F: 2,559 SF
Available for Lease (partial or full), and SALE.
Previous uses for Medical. Watch for more details as we get closer to launch.
Contact:
Steven Crane | Associate Broker
RE/MAX Excalibur
8510 E Shea Blvd, Ste 100
Scottsdale, AZ 85260
480-812-5447 Mobile
stevencrane@live.com
Win a $25 Starbucks Gift Card!
Enter to win a refreshing coffee from Steven Crane Real Estate. Click the link below and like my Facebook page and you are entered to win.
Win a $25 Starbucks Gift Card!
Steven Crane | Associate Broker
RE/MAX Excalibur
480-812-5447
stevencrane@live.com
Friday, December 6, 2013
Steven Crane's updated Linkedin Profile
Steven Crane | Associate Broker
RE/MAX Excalibur Real Estate
8510 E Shea Blvd, Ste 100
Scottsdale, Arizona 85260
Call me at 888-562-5991 or email at stevencrane@live.com
New Facebook presence starting December 2013.
Steven Crane
Associate Broker at RE/MAX Excalibur
of the Greater Phoenix Metro area
Contact me directly at 480-812-5447