Real Estate and You When it comes to purchasing----Is Cash still King? “Sandra good credit is the same as money in the bank.” That’s what my Uncle Curtis use to always tell me when I entered into his real estate brokerage decades ago. That was a true statement then and it’s a true statement now. But why do so many of us take credit and its importance so lightly. Whenever prospects inquire about how to buy real estate, most come in with a hope and a prayer that their credit will be sufficient for a loan approval. Others contend they don’t know what’s in their credit profile, but yet never bat an eye when it comes back riddled with collections and delinquencies. According to the Federal Reserve Economic Research & Data Statistics released June 2015 Revolving and nonrevolving consumer credit both increased at a seasonally adjusted annual rate of 7 percent during the second quarter. In June, consumer credit increased at an annual rate of 7-1/4 percent. Yes. We like to purchase on credit; but, for some folk -pay back ….in the words of J.G. Washington can be “a real mother for ya- yeah” We fall in love with a gorgeous piece of property only to find out there is no romancing without financing. It’s important to start your property search with the details of a prequalification or a pre-approval as the first step. If you’re looking to acquire property in the next 6-12 months get pre-qualified. If you need to buy now or within the next 6 months get pre-approved. Be up front with yourself about your past credit experiences and know where you stand. Being proactive about buying your 1 st property or your next property will start with identifying your strengths and weakness on your credit profile and be willing to put forth effort to make necessary changes. Take the time to check out your credit report for yourself. Review your credit history for errors and fraud and be certain the person they are identifying in the report is you. If you have unpaid delinquencies, collections or high balances, make plans to pay them off or pay them down. Bear in mind that even if you are only seeking to lease, rent or buy on Land Contract, your credit profile will strongly impact whether or not you acquire that piece of property Sit down with an experienced Realtor, Lender or both and find out how painless it can be to discover if you can pursue your love of homeownership now or put out a few fires on your credit profile before your feelings are bruised with a credit denial. You can obtain a free credit report every twelve months from each of the three nationwide credit bureaus, For more information visit www.annualcreditreport.com or call (877) 322-8228 Truth is--- Cash is King---but Credit gets you in. “The best person to “face” the problem is also the best person to “fix” the problem – that is you!!! - The Credit Repair Book : The Credit Repair Company's Secret Weapon.” ― Cornelius J. , The Credit Repair Book: The Credit Repair Company's Contact Info: Sandra Dixon Associate Broker Quality Service Real Estate Company Sandra@Sandradixon.com (313) 259-5559

Real Estate & You Reclaim the Dream of Homeownership in the New Year! What an adventurous and tumultuous ending to a busy, whirl winding, and grueling past year! There was, indeed, never a dull moment. But as we hedge our way into a new year where the days already seem to be taking flight in the wind, this new year may prove to be every bit as zealous and enigmatic as last year. With that thought in mind, it’s never a day to soon, to move forward on any thoughts you may have been harboring on buying, selling, scaling up, or scaling down into your dream home, or your final home. If you have been delaying investing in that new business or commercial endeavor, multi-unit, or pursuing that dream of investing in real estate for retirement income. Reclaim your dream in 2023! Life, Liberty and the pursuit of Land! Don’t continue to put off your desire to own your first home or your next home. Remember the pride that your parents and grandparents had in owning and preserving the family home. Weather it was to add to their net worth, or leave it behind for children and grandchildren, they took the pride of ownership to heart, and purchased a home that many family members continue to live in generations later. There are several reasons to consider buying now, such as the Pride of ownership that you will experience if you have never been a landowner before. Plus you can build equity in homeownership as you pay down the mortgage, and the value of the home, over time increases. Not to mention, it’s your home and you can do as you darn well please. You don’t have to ask permission to paint the wall a khaki green, if that’s your heart’s desire. Let’s not forget that right now interest rates are still low and attractive. Remember, you don’t have to go it alone when it comes to making that major purchase or sale. That’s why I’m here! There are several good reasons why working with an experienced and knowledgeable Realtor is to your advantage. For example, accessibility into a home offered for sale through a real estate brokerage, that you may desire to look at, requires the presence of a licensed agent for the showing to take place, therefore, you have the conveniences of the agent scheduling showings for you and providing you with entry into a desired property that may suit your family needs. Best of all, when you find a property, you want to buy, or as a seller, a buyer expresses interests in purchasing, An experienced agent is there to negotiate for you and on your behalf for the most favorable outcome for you. Let’s not forget the importance of having knowledge of the buying and selling process itself. It could be a little intimidating, but an experienced and knowledgeable agent can handle all the details, for both buying and selling that will lead to a smooth and successful closing. So if you are on the fence about purchasing or selling real estate, or you don’t quite know where to start… Call our office at (313) 259-5559 or email me: Sandra@sandradixon.com , we look forward to discussing your particular need and situation to help outline the possibility of you becoming a new or another proud homeowner in 2023! Quality Service Real Estate Co ◊ 313-259-5559 ◊ Sandra Dixon -Associate Broker

Real Estate & You Look around us and everywhere you will see the land that we stand upon and everything that is on it. That is the essence of real estate and owning your own piece of land with your home is still a worthwhile dream to pursue. Over the last several years home ownership for many has taken a back seat amid a fortress of declining property values, upside down mortgages apprehension, and constricted lending requirements. But as we weave our way out of the muss of the past; let’s not forget the security, tax deductions (such as mortgage interest and property taxes), or the pride of ownership that being your own landlord brings to us. For many of us we hold back on purchasing property because we think we don’t have enough for a down payment, or because of credit issues, or we simply lack an understanding of the buying process itself. Purchasing a home and going through the process of a loan approval and a closing can be challenging when you have limited experience with the procedures. Many people are not aware of the programs available out here to help just about everyone become a homeowner. Fantastic lender programs are at hand to help you with financing and it doesn’t take much time to find out which program is right for you; such as, the Federal Housing Administration (FHA), Veterans Administration (VA), and Michigan State Housing Development Authority (MSHDA). These programs are designed help buyers across multi –levels income stratospheres become home owners. These programs come with down payment assistance, mortgage tax credit, homeownership counseling, pre-approvals for mortgages, and assistance with mortgage and closing cost. Although homeowner ship is not for everyone, and for a many good reason, it’s not uncommon for people in some areas to spend as much as up to 42% of their monthly income to pay rent. Buying a home would lock in your monthly payment and help to stabilize your finances by having a fixed monthly payment amount, .In the short term …renting might seem like the better option... but in the long run buying a home is actually cheaper. Over the years the money you spend on rent adds up and in the end you have nothing to show for it. So if you would like make you dream of homeownership a reality, simply wake up and stop dreaming about it , and find out what is available for you , contact me for an appointment today. “ He is not a full man who does not own a piece of land .” -Hebrew Proverb Sandra Dixon-Associate Broker Quality Service Real Company Serving Metro Detroit Areas Since 1978 313-259-5559 or email: Sandra@sandradixon.com

The new season is a great reason to make and keep resolutions. Whether it’s eating right or cleaning out the garage, here are some tips for making and keeping resolutions.

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