Just Listed - Irvine

Just Listed - Irvine
A great place to spend the weekend, all you need is an umbrella drink! 🍹🌴
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This 3 bedroom, 3 bath is apart of the thriving community of Central Park West in Irvine!
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Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
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949.697.1219
hello@dkcowles.com
www.dkcowles.com #homesbydkcowles #dkfindshomes #compassrealestate

Compass Bridge Loan!

Compass Bridge Loan Services have launched! 🎉
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Compass Bridge Loan Services is the simple solution to bridge the gap between the home your have and the home you want. This program gets you access to competitive rates and dedicated support from industry-leading lenders. Contact me for more information!
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You've got questions. We've got answers.
Contact us today, no pressure, just expert real estate advice.
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949.697.1219
hello@dkcowles.com
www.dkcowles.com
#dkfindshomes #homesbydkcowles #compassrealestate

DID YOU KNOW... Credit Scores

DID YOU KNOW? The average FICO credit score is 706. Here are some tips about CREDIT SCORES:

* Seeking information about your own credit score is always a soft inquiry, and won’t cost you points on your score, unlike a bank - a HARD inquiry - checking your score for a mortgage application.

* Preferably use less than 30% of your available credit each month and ideally less than 10%. Paying off your bills fully every month while fully using your credit is less effective. Raising your credit limit could help keep your percentage of utilization down.

* Keeping a balance on your cards doesn’t help and could set back your financial goals, which are better served by consistently paying off credit-card debt in full.
* Closing an older credit card won’t help your score and it might actually hurt you.
* Every time you open a new credit card - or take out a loan or qualify for a mortgage - the overall average age of our credit takes a hit, and the hard inquiry subtracts more points from your credit score.
* Getting that first credit card is important to building a thicker credit file, and retail cards are often among the easiest to qualify for.
* Shopping around for a mortgage getting multiple credit scores can hurt your credit, but when credit scoring companies see different lenders pulling your credit score around the same time, they bundle multiple requests as a single query. So shop different rates at the exact same time, within 14 days or less.
Late payments, collections, foreclosures and chapter 13 bankruptcies hurt your credit score for 7 years. A chapter 7 bankruptcy will hurt it for 10 years. But, with the exception of the bankruptcies, the impact of the other problems diminishes as the information ages.
* Banks typically won’t report any debit-card activity to credit-reporting companies, but choosing the credit option on your debit-card purchase means the funds could take up to 3 days to post, whereas the debit option means immediate withdrawal.
* 21% of consumers studied in 2012 found errors that resulted in modifications by the credit-reporting firms. Not all credit reports are accurate. So check your credit by regularly looking at your credit report. You are entitled to a free copy of your credit report annually from each of the credit-reporting companies (TransUnion, Experian, and Equifax). You can request them at AnnualCreditReport.com or by calling 1-877-322-8228. (WSJ)

Coming Soon - Irvine

Coming Soon! Part of the thriving community of Central Park West in Irvine. A 3 Bed, 3 Bath end location with a side by side 2 car garage.
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Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com #homesbydkcowles #dkfindshomes #compassrealestate

Go Gracie!

Gracie's first race of the season is Saturday! 💙💛 We'll be there cheering her on and ofcourse asking all the important questions: How hard have you been training💪🏻 or did you just get #offdaCouch? 🏆🥇 #nac4life #sjciii

Rower Mom!

I am really excited to see a second generation of rowers🏆 compete from my family compete at the Charles for the first time. Caleb watched me compete in the race in 2013, which was his first trip to Boston, he was 11 years old. We had no idea then he would ever row, we also didnt know he would be 6’5”😂 #rowerMom #nac4life #nacrowing

Compass Coming Soon.

Did you know? Compass Coming Soon listings sell 16% faster! 💥 This program gives sellers the opportunity to pre-market the property which helps them price confidently and generate the buzz🐝 needed to get to the best offer faster👏🏻
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com
#dkfindshomes #homesbydkcowles #compassrealestate

Let's Find Home.

Let's Find Home.🏡❤️
Fall🍁can be a perfect time to buy a home. Rates are down, fewer people are looking 👀making less competition and price reductions.🎯

You've got questions. We've got answers.
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com
#dkfindshomes #homesbydkcowles #compassrealestate

Our Favorite Porch Installs

No #SundayScaries Here! In fact, we are embracing the fall season 🍂- even though Summer is clearly still here to play today. 🌡🌞
We’ve put together a few of our favorite Fall Porch Installs 🍁to get us in the mood for some pumpkin 🎃 spice. Click the link🔗 below to find some cute decor inspiration, as well as where to get these cute front door mats. #homesbydkcowles

https://www.pinterest.com/dkcowlesrealestategroupcompass/fall-porch-instal

Reduce your property taxes!

If you live in California and are over the age of 55, you can effectively reduce your property taxes when buying a new home!
This applies to the following Counties:
-Alameda
-Los Angeles
-Orange
-Riverside
-San Bernadino
-San Diego
-San Mateo
-Santa Clara
-Tuolumne
-Ventura
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Consult your tax advisor and/or contact the local tax assessor's office to learn more about the provisions of Propositions 60 and 90, including the eligibility rules and how to file a claim.
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You've got questions. We've got answers.
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com
#dkfindshomes #homesbydkcowles #compassrealestate