What Makes Your FICO Score Change Each Month?

YOUR FICO SCORE CAN CHANGE EVERY DAY 

Did you know that your credit score is different day-by-day?

Many U.S. consumers believe that credit scores are assigned and do not change. The reality is that FICO scores are fluid.

FICO credit scores are a snapshot of your credit record at the exact moment your credit report is pulled. Your scores, therefore, fluctuate as the information within in your credit report changes.

From day-to-day and week-to-week, there are a number of factors which affect your FICO score which, in turn, affects the mortgage rates you get from a bank.

The largest influencers are discussed below.

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Neal Paskvan is a full time Realtor specializing in Downers grove, Darien,Woodridge, Westmont and Du page county Real Estate

Rent Increases Expected to Continue through 2015

"Rents are rising because of strong demand that supply hasn't kept up with. Nearly all the new households are renters, and young people moving out of their parents' homes will keep fueling rental demand."

Rent Increases Expected to Continue through 2015

Neal Paskvan is a full time Realtor specializing in Downers grove, Darien,Woodridge, Westmont and Du page county Real Estate

Christmas Decorating Tips | Easy Crafts and Homemade Decorating & Gift Ideas | HGTV

Christmas Decorating Tips | Easy Crafts and Homemade Decorating & Gift Ideas | HGTV

Change Your Look with Tile « Baird & Warner

Whether you want to replace your dining room floor, update your shower walls, or just add some interest to your kitchen, installing tile in your living space is a great place to start. Tile is a versatile product that can bring in a range of colors and textures to many areas of your home. However, shopping for tile can become a little confusing if you’re not sure what to look for. Here are some tips to help you out.

Material

Tile is available in a variety of materials, textures, and finishes.

• Ceramic tile is made of compressed, solidified clay and minerals. There are different types of ceramic tile, such as glazed, unglazed, porcelain, quarry, and terra cotta. Each has a different look and finish, from old-world style to mirrored and everything in between.
• Stone tile can be made of granite, slate, marble or limestone. Polished stone will have a smooth, reflective finish that is ideal for walls and accents. Heavily-textured stone, by contrast, provides slip resistance and a rustic look.

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Neal Paskvan is a full time Realtor specializing in Downers grove,







Darien,Woodridge, Westmont and Du page county Real Estate

Change Your Look with Tile « Baird & Warner

Whether you want to replace your dining room floor, update your shower walls, or just add some interest to your kitchen, installing tile in your living space is a great place to start. Tile is a versatile product that can bring in a range of colors and textures to many areas of your home. However, shopping for tile can become a little confusing if you’re not sure what to look for. Here are some tips to help you out.

Material
Tile is available in a variety of materials, textures, and finishes.

• Ceramic tile is made of compressed, solidified clay and minerals. There are different types of ceramic tile, such as glazed, unglazed, porcelain, quarry, and terra cotta. Each has a different look and finish, from old-world style to mirrored and everything in between.
• Stone tile can be made of granite, slate, marble or limestone. Polished stone will have a smooth, reflective finish that is ideal for walls and accents. Heavily-textured stone, by contrast, provides slip resistance and a rustic look.

click here for more





Neal Paskvan is a full time Realtor specializing in Downers grove,







Darien,Woodridge, Westmont and Du page county Real Estate

Gallery: 20 Incredible Cabins Around The World

Cabins are the best. Remote places with only nature and the passing of time. Whether it is an old rickety shack that compliments the snowy surroundings or a modern reinterpretation of a secluded retreat, it’s all about the longing for a distance from the everyday.  The simpilist of shelters between the earth and sky.  What’s your idea of escape?  These are some of our favorites.















CLICK HERE FOR THE SLIDESHOW

Neal Paskvan is a full time Realtor specializing in Downers grove, Darien,Woodridge, Westmont and Du page county Real Estate

How Does a Reverse Mortgage Work - We Explain Everything You Need

A reverse mortgage is a loan for senior homeowners that uses  the home’s equity as collateral. The loan generally does not have to be repaid until the last surviving homeowner permanently moves out of the property or passes away. At that time, the estate has approximately 6 months to repay the balance of the reverse mortgage or sell the home to pay off the balance. Any remaining equity is inherited by the estate. The estate is not personally liable if the home sells for less than the balance of the reverse mortgage.

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