THINGS TO CONSIDER WHEN DECIDING ON A METAL ROOF

WOULD YOU CONSIDER A METAL ROOF WITH A 50 YEAR WARRANTY FOR YOUR HOME? 

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Love Thy Neighbor 

BUT CHOOSE YOUR NEIGHBORHOOD WELL...

NOVEMBER 2018

Brought To You By: 

MARKET REPORT UPDATE

REAL ESTATE NEWSLETTER 

Your feedback is highly appreciated and will help us to improve our ability to serve you and provide value to your home life.

We appreciate you as a friend more than just a customer or client. 

Thanks! 

Fernando Herboso

240-426-5754

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What a Realtor Association Is? (It applies to all 50 States)

The term REALTOR® has one, and only one, meaning: REALTOR® is a federally registered collective membership mark which identifies a real estate professional who is member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics.

Sales of existing homes declined in September to their lowest level in nearly three years, and inventory levels rose for the second month in a row on a year-over-year basis. National Association of REALTORS® Chief Economist Lawrence Yun discusses the data in this video

Existing Home Sales Remain Flat in  August 2018 

READ MORE HERE*

SEARCH FOR HOMES

The First TV Dinner Was Thanksgiving Leftovers

FDR Tried to Change the Date

What's Up With Those White House Turkey Pardons?

We Eat a Lot of Turduckens

In the US, about 280 Million Turkeys Are Sold

Thanksgiving Was Meant to Be a Fast

Thanksgiving Was Once Celebrated in London

Thanksgiving Was a Slow-Roasting Holiday

Heaviest Turkey on Record Weighted 86 lbs.

The Detroit Lions Always Play on Thanksgiving

Unusual, Fun and Weird Thanksgiving Facts. . . 

* This consumer video comes from HAR (Houston REALTORS® Information and it applies to all the markets in the United States.

Ever wondered how long it will take for your house to sell? 

Take the quiz & find out! 

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Here are some tips to make sure you get the 

loan you need to buy your dream house.

Do you have a question or comment that needs answering?  

Contact me and I will be happy to connect you with one of our loan officer colleagues. 

Maxus Realty Group

Broker | ReaL Estate Agent

Office: 301-246-0001

Cell: 240-426-5754

eMail: Fernando@ReallyNiceHomes.com

In This Issue: 

"Considering a Metal Roof?"

Seller Tips " STAGING"

Home Life Tips

Market Reports

Identity Theft

Top Ten Weird Facts About Thanksgiving

Consumer Knowledge Series

"Mortgage Tips"

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Hello Dear Friends, 

My business is built on referrals, earning your trust and recommendation is the highest compliment you can give me. I'm always available to take the very best care of you, your family and your friends. Please consider me at your service for all your real estate needs. 

Visit my website HERE!

Fernando Herboso~

$250.00 

Preferred Client Referral

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When You Refer a friend, neighbor or family member,  they will be entitled to a $250.00 Reduction in commissions at closing on the purchase or sale of their home. 

"Don't Fry Fish at Home When You Are Selling Your Home" 

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QUICK HOME STAGING TIPS 

• Boost curb appeal. This is something you always hear, and with very good reason. 
• Welcome visitors with an inviting porch. 
• Get your house sparkling clean. 
• Clear away all clutter. 
• Strike a balance between clean and lived-in. 
• Style your dining room table. 
• Take a good look at your floors. 

Rearrange your furniture.

If you are interested for me to come by to receive advice what repairs to do in your home?  Please call me for a free no obligation consultation.

1. Destroy private records and statements. Tear up – or, if you prefer, shred – credit cards statements, solicitations, and other documents that contain private financial information.

2. Secure your mail. Empty you mailbox quickly, lock it or get a P.O. box so criminals don’t have a chance to snatch credit card pitches. Never mail outgoing bill payments and checks from home. They can be stolen from your mailbox and the payee’s name erased with solvents. Mail them from the post office or another secure location.

3. Safeguard your Social Security number. Never carry your card with you, or any other card that may have your number, like a health insurance card. Don’t put your number on your checks. It’s the primary target for identity thieves because it gives them access to your credit report and bank accounts.

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4. Don’t leave a paper trail. Never leave ATM, credit card or gas station receipts behind

5. Never let your credit card out of your sight. Worried about credit card skimming? Always keep an eye on your card or, when that’s not possible, pay with cash.

6. Know who you’re dealing with. Whenever anyone contacts you asking for private identity or financial information, make no response other than to find out who they are, what company they represent and the reason for the call. If you think the request is legitimate, contact the company yourself and confirm what you were told before revealing any of your personal data.

• You’ll need to prove your income by providing tax returns for at least the last two or three years. 
• Remember, your income supports your mortgage loan, so count on your  lender verifying both the amount and the consistency.
• If it's not on yoru tax returns, you can't report income from other sources

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• Pay stubs that show your year-to-date income
• Two years of tax returns
• Two years of W-2 forms
• Statements that show your asset accounts, which might include checking, savings, CDs, IRAs, stocks and bonds
• Records for any other real estate you own
• Your residential history for the past two years
• Your landlord’s contact information, if applicable

Make Sure Your Income Is Documented 

What Documents you'll need to apply for a loan

Check your credit history          (get a free copy at annualcreditreport.com) 

New homes on the market that are priced right and in tip-top condition very typically

receive multiple offers.

I am trained and experienced in working in these fast-paced situations. When you see a

home you are seriously considering, contact me immediately so we can be prepared to

make a solid offer quickly.

When you are considering roofing for your home, there’s a lot to think about – like materials, style, cost and installation. 

Source: ErieSense 

Materials

Metal roofs can be manufactured from a variety of metals and alloys including steel, aluminum, copper, zinc and terne (zinc-tin alloy). 

Style

Metal options come in two general styles: vertical panels and interlocking shingles. 

Cost

According to the Metal Roofing Alliance, you can expect your new roof to cost roughly two to three times what an asphalt shingle roof costs.  

Installation

When considering a metal roof make sure you hire a contractor who is familiar with the material. One of the advantages of metal is that it's ultra-lightweight. 

Maintenance

Good news: Metal roofs are resistant to things like mildew, insects and rot. 

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WATCH VIDEO FOR MORE ADDITIONAL TIPS 

7. Take your name off marketers’ hit lists. In addition to the national Do-Not-Call registry (1-888-382-1222), you can also cut down on junk mail and opt out of credit card solicitations.

8. Be more defensive with personal information. Ask salespeople and other if information such as Social Security or driver’s license number is absolutely necessary. Ask anyone who does require your Social Security number about their privacy policy and that you do not want your information given to anyone else.

9. Monitor your credit report. Obtain and thoroughly review your credit report (check for a free copy at www.Annualcreditreport.com or by calling 877-322-8228) at least once a year to check for suspicious activity. If you find something, alert your card company or the creditor immediately. You may also look into credit protection services, which alerts you any time a change takes place with your credit report.

10. Review your credit cards statements carefully. Make sure you recognize the merchants, locations and purchases listed before paying the bill. If you don’t need or use department-store or bank-issued credit cards, consider closing the accounts.

FOR MORE INFORMATION : https://www.consumer.gov/idtheft/

10 Ways To Protect Yourself From Identity Theft 

"IDENTITY  THEFT IS A $41 BILLION A YEAR CRIME"

What is Phishing? 

Phishing is a method of trying to gather personal information using deceptive e-mails and websites. 

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"Try to be a rainbow in someone's cloud "

~Maya Angelou

ELLEN DEGENERES FUNNY REAL ESTATE VIDEOS

"Don't worry!  I'm not a participant "

How to Clean the Garbage Disposal in Your Kitchen

HOME LIFE TIPS  (EASY PROJECT)

GET THE STINK OUT OF YOUR SINK!