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Well, another year is upon us. I remember last year everyone saying “Let’s Win in 2010!”. Did you win? I’ve been thinking of a slogan for 2011, and the only one I can come up with is “2011 is made in Heaven!”. If you can think of any share it with us.

2011 marks 4 years since the announcement of the end of sub-prime lending, and 3 years since the whole mortgage and real estate industry turned upside down. Many changes have taken place, and this year will see the last of them implemented, for the most part. What does that mean for us. First, it will mark the beginning of a semblance of stability, and people like stability. Most of us like predictability with a dash of adventure, not the other way around. I believe this feeling that things are becoming more stable and predictable again will trigger the move into trying new things again, which is what America needs at the moment.

Hopefully, one of the movements we will see as confidence increases is home buying–especially by first time home buyers. This is still a good time to buy!  Rates may go up a bit, but will still hover around 5%, which is a whole percent lower than I got in 2002 for my current house.

If you are thinking about buying a home this year, first get your credit and debt situation worked out. There is no use of looking at houses with your Realtor if you are not sure if you qualify for a home loan. Upgrade My Credit specializes in helping people improve their credit and lower their debt so that they can get a home loan. This can be your year! Give us a call.

Best to you,

Blair
www.upgrademycredit.com