Large corner lot, side entry 3-car garage with two storage areas. Extra large kitchen, large breakfast bar, 42 upper cabinets raised panel, solid surface counter tops. Separate eating nook, kitchen is open to family room. Extra large laundry room area complete with cabinet ironing board, plenty of room to add additional cabinets. Oversized secondary bedrooms plus study. Formal living and dining areas. oversized lanai with hot tub overlooking pond, air conditioned craft room 6′x11′ off of lanai. Airconditioned storage room above garage completely drywalled. Lots of tile througout this home. This is truly the best location in town, just minutes from the Polk Parkway, Lakeside Village, Target, Publix, and Cobb Theater. Social and golf membership are available. 24 hour guard service.

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Built by award winning Tapia Construction. This home is open and bright with spectacular views of the highlands from the balcony. It features 4br/3ba,an office, and a huge bonus room. There are formal living areas for entertaining. The bedrooms are very large and have great closet space. Downstairs has a bedroom,a bathroom and a huge bonus room. There is a large master suite with his and her closets,dual sinks,garden tub and separate walk-in shower. Located in prestigious Crews Lake Hills Estates. Great school district.

Property Details

• Map
• Schools
• Market Stats
• Financing
• Nearby Businesses
• Walkability

Location Map

Schools
Grocery Stores
Restaurants
Banks
Gas Stations
Golf Courses
Hospitals

- Main Marker

Mortgage lenders generally check with three credit bureaus in order to evaluate your past payment history. Your goal in cleaning up your credit report should be to clean up each of the three bureaus. If you only work on one, this does not effect the reporting to the other bureaus.

Get A Copy of Your Credit Report

The first step is to get a copy of your merged credit report, which shows all three of the major bureaus, Experian (formerly TRW), Equifax (formerly CBI), and Trans-Union. Most mortgage lenders will obtain data from all three of these bureaus in analyzing your credit history. The exception is that some portfolio lenders (usually adjustable rate lenders) may only review one. To make it easier for you, Credit allows you to order a Merged Report on-line. Just click on the preceding link. It costs about $29 and is delivered to you by mail in a couple of days.

What to Say When You Call Your Creditors

There are two efforts that must be made. First, call any creditors reporting a negative and ask them to remove the negative item. Ask in a nice calm voice and do not get upset when they say no. Simply repeat your request over and over in your nice pleasant voice. If you get nowhere, then ask to speak to the supervisor. Make sure you keep a log of your conversation, noting the date, time, who you spoke to and what they said. Repeat this procedure over and over. In a high percentage of cases, it works.

Get Written Confirmation of Agreements

Be sure to ask for a letter by mail or fax that shows the creditor is correcting the negative information. You may need this letter for two reasons. First, they may not actually make the changes. With the letter, you can appeal directly to the credit bureau and they will make the correction. Second, if you are applying for a mortgage before the changes actually hit the credit bureau’s report, your lender will need this documentation.

If you have a charge off or collection account that shows as unpaid, don’t just send them a check and pay it off. Call the creditor on the phone, explain that you have the funds to pay the account in full, and calmly explain why it should not have been reported on your credit in the first place. Then ask if they will provide you a letter deleting the account entirely from all credit bureaus if you pay off the account. Try to get them to fax it to you. As before, be sure to document all of your telephone contact and always keep a nice pleasant tone in your voice. In a large percentage of cases, this also works.

Disputing the Report — When Your Creditor Will Not Remove an Item

There will be cases when the creditor does not agree to remove the negative credit item. If it is an item that is definitely not yours, call the credit bureau immediately (except for Equifax, who only responds by mail). When on the telephone, do not discuss any negative items that are accurate. Do not discuss any items that may be accurate in general but have some small error in detail that you can dispute by mail. Once you confirm any accuracy at all, you cannot dispute it later by mail.

For the remaining items, you need to dispute them by mail, writing directly to the credit bureaus. Write a letter to the appropriate bureau including your name, social security number, address, disputed accounts, and account numbers. You must sign the letter. Inform the bureau that you are disputing the data as it appears on your credit report.

5. Purchasing a House With no Professional Inspection

There are plenty of issues a home inspection could expose of a real estate property which aren’t obvious to the human eye alone. Make sure you seek the services of an individual that has a fine referral basis, who has been in the market some time and understands what to look for. Check out the American Society of Home Inspectors and acquire a summary of competent home inspectors in the area. When you find an inspector, firmly insist that they put together a written report, detailed with photographs. Photos are very important since there are places a home inspector may go which you may not look at.

4. Disregarding the Added and Hidden Charges

Investing in a property is not only about the amount of money that you spend upfront; it’s about the rest of the money you will need to invest beyond that. Discover what the property taxes are, what your water costs may be and what a typical power bill is at that house, particularly if you use electric heat rather than gas heat. Additionally you must factor in furniture you might need to buy prior to moving in.

3. Buying That Which You Want, Instead Of What You Need

Consider the space that you’re already living in. It can help yourself to recognize that which you have been lacking and things you need in your next home. Create a list of these needs and then consult with your realtor to begin searching depending on those needs. Generally, Americans reside in a home for approximately nine years. Don’t forget, it’s possible to trade up a couple of times before you find the best home.

2. Establishing Too High of a Sale Price

Being a seller, it is certainly vital that you do your research. To generate your sale price, search for what similar houses in your neighborhood have sold for. Find out what the going cost is and then try to place your own right in the center of that, unless you have something extra-special to offer. It’s always safer to price a property like that rather than start too high and need to reduce. When you reduce, it always seems like something is wrong with the home.

1. Neglecting to Showcase Your Home and Making Modest Aesthetic Changes

When you’re selling your home, you need to truly view it objectively and consider it from the point of view of the house hunter. Make modest improvements to the house and perhaps hire an expert stager to come and organize your furnishings. Staging is all about designing your house for the buyers’ tastes, not your own. An excellent starting point is with the front of the house and the main entranceway. Home staging is used to boost the potential selling price and reduce the amount of time the house stays on the market.