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Segment 1: Covering the locations where you can go online like www.annualcreditreport.com for your legally approved annual report, to check to make sure there are no anomalies, plus www.myFICO.com for purchasing your credit score. These are separate items, so be aware of the difference and listen in to learn more about it. Notice to listeners that the “credit repair” and “debt recovery” companies who are taking lots of air time with ads recently are basically wolves in sheep clothing, preying on consumers who are in tough spots. Best to go to www.HUD.gov for assistance.Segment 2: What happens when debt is forgiven and you go to do your tax return? Be sure to discuss with a tax professional regarding insolvency and if you qualify. Want to know what happens when you dispute something on your credit report? We cover some best practices along with how to talk to creditors for best results.Segment 3: Forbearance and how it will impact (or not) your credit score. During COVID there are 5 main areas considered 1. Forbearance, 2. Current, 3. Deferment, 4. Modification, 5. Covid-declared disaster. What happens if you do a settlement instead and pay less than what is owed? We cover what that can do to your credit score as well. Brief touch on bankruptcy within this realm too.Segment 4: Identity theft and how to limit it from happening. What is a credit freeze vs. credit lock. How to get the best FICO score over time and planning ahead to make it happen, especially if you’re considering a major purchase like a house, car or other higher priced item.

Segment 1: Real Estate home sales in the Puget Sound region are BUSY! With nearly 3:1 ratio of buyers to sellers, we are looking for people interested in selling soon because demand is very pent up. Which leads into the fact that affordability is even better now with a NEW 52-week low in rates. Segment 2: Eric shares with us how wonderful these rates are in almost all categories of loan products. Introduction to Casey McLean and what SR3 stands for – SeaLife Response + Rehab + Research. The program helps with responding to a wide variety of local sea life which may be in distress and provides veterinary care, rehabilitation where possible, and does ongoing collaborative research with several groups tracking the health of local species and the affects of humans on Puget Sound and the Salish Sea.Segment 3: How SR3 gets their funding which includes grants and foundations providing funds, but there are also opportunities for individuals to donate as well as buy swag and get involved in sealife adoption programs. Head to the www.SR3.org website for more info! Volunteer opportunities exist to help onsite in Des Moines, WA to help with the feeding, clean up, beach response and more. The site at Des Moines will be open by the end of January on a more official level, but the program has been running since 2011 getting more staffing in 2016 after building up from a grass-roots effort. Segment 4: Programs within the 3 segments include items such as dealing with whales entangled in a variety of man made problems such as fishing nets, cables, and more. Learn more about how to reach out and help if you see a whale or other sea life in distress. DO NOT approach, but do call the experts who are trained to assist!

Episode #195 - Tips: What to Avoid During Real Estate Transactions

In this episode of Open House with Team Reba, we speak with Victoria Do,  Eva (Wolfe) Clark, and Brenda Gundersen of the American Cancer Society of Washington. We talk about all the great work they are doing to fight against cancer as well as talk about the Relay for life. To find out more, please visit their website.http://www.relayforlife.org/rentonwahttps://www.facebook.com/RelayForLifeRentonTukwilahttps://www.facebook.com/AmericanCancerSocietyWashington/https://www.youtube.com/channel/UCyPqAaJ3_ehGH5Ahsaq7nEgwww.teamreba.com

In this episode of Open House with Team Reba, we talk about the books we are currently reading as well as a chance to get a FREE copy of The Compound Effect. Our special guest is Chris Lundgren, author of Accidental Adventures: Alaska and how the book came about. We also talk about why the stories have meaning and how they can help ease the tension during this pandemic. 

In this episode of Open House with Team Reba, we talk about:The market rate update which there have been some light volatility in rates, but still going strong.How leases DO show up on your credit report and a horror story proving itMarket updates proving the housing market in Central WA counties is outperforming King and Snohomish CountiesThe effects of the Boeing announcement moving the 787 production line to South Carolina

In this episode of Open House with Team Reba, we talk to Robin Corak, CEO of Multi-Service Center, a nonprofit out of Kent, Washington. MSC helps individuals and families from all backgrounds and life experiences that are struggling financially. They provide services primarily in South King County to over 40,000 annually:MSC helps people find housing. We offer rent assistance, family shelter, housing for men and women in recover, permanent supportive housing for veterans and their families, and permanent affordable housing. MSC helps people improve their economic stability through employment and education resources.MSC helps people keep the lights and the heat on through energy assistance.MSC helps people keep food on the table through our Federal Way Food Bank.MSC helps some of our most vulnerable citizens by advocating for their rights through the Long-Term Care Ombudsman Program.You can support their fundraiser at: https://mschelps.org/mschelps2020Additionally we still have openings for our FREE Virtual First Time Homebuyer ClassOctober 13th and 14th, 2020 from 4:30pm - 6:30pm each dayand November 14th from 10am-2pmSign up @ info@teamreba.comor https://ready2beahomebuyer.eventbrite.com

In this episode of Open House with Team Reba, we talk about appraisal waivers and how they are used in competitive offers in a tight inventory market. We also talk about service animals and what landlord/property managers cannot ask or say within the American Disabilities Act (ADA) guidelines.Also, if you are a veteran, there are SO many opportunities for you right now. Listen in on some of the great programs to buy your dream home.We also have our NEW virtual home buying classes which are scheduled for:October 13th and 14th, 2020 from 4:30pm - 6:30pm each dayand November 14th from 10am-2pmSign up @ info@teamreba.comor https://ready2beahomebuyer.eventbrite.com

In this episode of Open House with Team Reba, we talk about Labor Day recollections and boating safety; our NEW virtual home buying classes which are scheduled for:October 13th and 14th, 2020 from 4:30pm - 6:30pm each dayand November 14th from 10am-2pmSign up @ info@teamreba.comOn this show we also briefly talk to Laura Elfine of Northwest Green Home Tours. This year's tour is all virtual. Visit: https://www.nwgreenhometour.org to find out moreWe also talk about a crazy boat turned into a house tour on Mercer Island as well as  introduce the lawsuit in Seattle and WA State on Eviction Moratoriums during the Pandemic.

In this episode of Open House with Team Reba, we cover the FHFA announcement of a .5% adverse market fee being added to refinances; Issues impacting inflation and if the housing market will be impacted by this refinance boom. We will talk about important topics to bring up when considering refinancing such as occupancy requirements and insurance triggers. And finally, we  will go over what’s happening in competitive offers in Puget Sound.

On this week's episode of "Open House with Team Reba", we are talking about the Seatle Real Estate market. Learn how to look at contractor bids as well how the contracting process works and insights into the different charging mechanisms. We will also cover the latest information on the real estate market and mortgage interest rates. We would love to help you sell or buy real estate so please contact us at info@teamreba.com.