Tag Archives: renee baccaro

Orange County Median Home Prices Up from 2011


On November 15, 2012 we received the 2012 October Stats on Home Sales; What energy is on the housing market right now! …things are loosening up. Perhaps it’s the STARS lining up for 12/21/12? Whatever it is keep it coming! The new loan limit in California is $625,000 for one-unit properties. Sales were up 12.5% Orange county Median price was $558,680 Oct 2012 up from $484,390 Oct 2011. Link: http://www.car.org/newsstand/newsreleases/2012releases/octobersales Call or email me for you FREE HOME MARKET VALUE. Renee Baccaro 01718366 (562) 972.9886

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News in real estate The good,bad, and not so bad…


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Irvine woman sues over loan modification ‘hoax’

Posted on 18 September 2010

An Irvine homeowner is suing a large national mortgage servicing company, saying they perpetrated a “loan modification hoax” and committed fraud by promising but never granting her a permanent home loan modification..Jean C. Wilcox, who also is a… View full post on The Orange County Register – News Headlines : City Pages

read the rest of the story at: http://bit.ly/bg0yri

*Fullerton Market still has their Farmer Market with music till the last thursday in October!

*GOOD NEWS POPPY’S OWNER HAS BEEN FOUND

*Stocks edge higher on positive tech earnings news

http://bit.ly/9Rk2kU   F.L.O.W. for the love of water. Continue reading


Tricks to create a better FICO Score?


August 15, 2010

Most people are not aware of the simplest actions that can boost their scores monthly. Even people with great credit believe it is because they have never been late on a payment, or think that because they have financed a car,  or own their own home and only have 1 or 2 credit cards is why their credit score stays high. Well, that is only part of the reason. As a nation we have learned the hard way traveling through this devastating economic period that good credit awareness is life changing. Hopefully we are nearer to a more stable economy and better understanding of how to manage our credit. Your FICO score says a lot about who you are to your employer, the bank and to yourself.  Did you know your employer may decide to look at your score when considering giving you a higher position/salary? If your credit report is low your boss may decide to give that new higher salary to the other fella/gal.  Well, if you work for a corporation, private company, or for our government part of the eligibility process is that darn FICO number. Now if you have explained a low number in your cover letter and it is believable, then you may skip through to the last group of interviews. However, if you need that job you had better learn a few good steps to follow. First you must realize it is like losing weight…there is not quick fix. It takes time, dedication…and focus.

First: “The mantra for getting a great score is pay your bills on time, keep account balances low, and take out new credit only when you need it,” says Craig Watts, consumer affairs manager for Fair Isaac Corp.

Second, you need 3 major credit cards to increase your scores average. Visa, MasterCard or Discover. You DON’T have to use all of them. But buy opening new cards (after the initial drop in number) by 30 days later you will see a significant increase in FICO score, up to 20 points per card. What the bureaus are determining in their formula is if you can handle credit or not. Buy having 3 or more cards puts you in the range of their credit worthy formula. If you have too many revolving accounts open which, includes major department stores that can significantly reduce your average. Closing your accounts can negatively affect your number therefore, what you can do is stop using the department store cards. Cut them up and throw them away! Believe me that 10 ro 15% discount is going to be gobbled up rather quickly in the monthly interest payment. Use only your three major cards. You can put your weekly grocery shopping on a visa, but be diligent and pay it off completely each month…on time.

Another fact if that you can not rent a decent apartment or home if you don’t have a good FICO score.

Be credit wise!

If you would like more information please contact ReneeBaccaro@gmail.com I will be happy to assist you in learning ways to increase that ever important number.

Renee Baccaro Realtor & Notary