My New Blog

74% of the public use the internet once a month 

Here is how you can take advantage of this.

1. Establish trust. Make sure your products and services live up to their claims. People are more willing to try competing brands.They’re also more likely to spread the word about those experiences, good and bad.

2. Be inviting. Make sure your site is easy for people to access and use. Offer visitors the ability to enlarge the size of fonts and photos; keep the design simple, not cluttered; display your privacy policy prominently; and make sure content is written in concise, understandable language.

3. Provide relevant information. People pay attention to advertising about products and services they’ve decided to purchase. And they’re very willing to go online to find out more about those products and services, whether they heard about them from a friend or were motivated by ads in other media.

4. Don’t waste their time. People view the Internet as a tool to help them accomplish tasks and lead better lives. Prepare your landing pages to reflect the search terms.Internet users type in so they don’t hit the back button to return to the search engine results page.

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Foreclosures are rising but  mortgage loan application volume, has increased to 15.8% on a seasonally adjusted basis.

The Refinance Index increased 25.6%  and the seasonally adjusted Purchase Index decreased 14.1% . The Refinance Index is at its highest level since the week ending June 27, 2003.

The four week moving average for the seasonally adjusted Market Index is up 10.8%. While this average is up 13.8% for the Refinance Index.

The average contract interest rate for 30-year fixed-rate mortgages decreased to 4.89% from 5.07%, with points increasing to 1.20 from 1.16 (including the origination fee) for 80% loan-to-value (LTV) ratio loans. The contract rate for 30-year fixed-rate mortgages is the lowest recorded in the survey. The previous low was 4.99% for the week ending June 13, 2003.

The average contract interest rate for 15-year fixed-rate mortgages decreased to 4.63% from 4.67%, with points decreasing to 1.14 from 1.16 (including the origination fee) for 80% LTV loans.

The average contract interest rate for one-year ARMs decreased to 5.89% from 5.90%, with points decreasing to 0.11 from 0.31 (including the origination fee) for 80% LTV loans.

North and South Carolina is gaining home owners.

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1. Paying your bills on time - being late as much as one time on a bill can have a negative effect on your credit score. If your overall credit situation is marginal than one bill being 31 days past due may break the deal.

2. Limiting your revolving lines of credit; lenders like to see you have the discipline not to extend your credit lines, that you “do not need the money” so to speak. Remember lenders like to lend money to people who know how to use it, but do not need it.

3. Bringing the balance on your credit cards to 50 percent of the credit line or less. Having one credit card with a $10,000 limit and $9,000 balance will impact your credit score far more than three credit cards with a total credit limit of $30,000 and a balance of $5,000 on each.

4. Keeping lines of credit separate from your partner or spouse - whether it’s financing a car, obtaining a credit card or conducting any transaction that involves borrowing money; if possible do not sign jointly on the account.

5. Owning a home - to lenders, home ownership represents stability from a character standpoint and from a practical standpoint. People who rent a home do not have an anchor to hold them in one place if things go wrong. People with a home typically will fight harder to make things right and it is much harder to pick up and leave when you have to sell a home. From a character standpoint, it shows you are invested, figuratively and literally, in the place where you live.

Visit anytime www.brendakingrealtor.com