Promises, Promises….

When you hear the words “I’ll call you right back” or “I’ll be there”, what are the odds it won’t happen?  What happened to personal integrity, did it go out the door?  It seems we live in a world of excuses or lies. 
How important is it to you to give your word?  Verbal promises are nothing more than tongue wagging appeasement to fill up the time when one should be speaking the truth.  
Think about it, when you give your word, does it really mean something?  It does to me, it means you are known to be Reliable, Respectful, Trusted, Dependable and your Integrity is multiplied. 

So next time you give your word, mean it.  Wouldn’t you rather have someone tell you the truth?  Do you want to be known as the one who always says they will call you back or be there and everyone knows you won’t?  Take a step forward and think about the benefits derived from making your “word” count for something (a promise kept).   If you can’t call them back, or you can’t make it, be up front and just tell the truth that you can’t make the appointment or you have appointments and won’t be able to call back right away.  Sometimes, the truth will set you free.

How delinquent mortgage payments effect your credit score

How Delinquencies Impair Credit Scores
Fair Isaac, which developed FICO scores, used a comparison between two people to explain how mortgage delinquencies affect credit scores.

Fair Isaac derived these numbers from a theoretical calculation based on hypothetical borrowers – one with an initial score of 680 and one with an initial score of 780. FICO scores range from 300 to 850.

The hypothetical person behind the 680 score had six credit accounts, while the person with the 780 score had 10. The consumer with the 780 score had no missed payments other than the mortgage; the 680 example had two late payments before they failed to pay the mortgage.

After a mortgage delinquency, the two scores would look like this:

• After 30-day delinquency, 680 score drops to 620 to 640; 780 score declines to 670 to 690.

• After 90-day delinquency, 680 score falls to 595 to 610; 780 score goes to 645 to 665.

• After foreclosure, short sale, or deed-in-lieu, 680 goes to 575 to 595 and 780 drops to 620 to 640.

• After bankruptcy, 680 drops to 530 to 550; 780 declines to 540 to 560.

Source: CNN, Les Christie (04/22/2010)
Posted in REALTOR magazine (04/22/10)

City of Citrus Heights – Neighborhood Profile

Citrus Heights, with a population of 87,017 is a unique established community in Sacramento County.  Conveniently located between downtown Sacramento and Roseville, Citrus Heights is an easy commute to nearly all major employment zones in greater Sacramento, including Rancho Cordova, Folsom, Natomas, and South Placer County.

The city has established itself as an important suburb in the Sacramento region with its solid base of small businesses, retail chains, and food service establishments.  With an ongoing commitment to providing high-quality, economical, responsive services to the local community, the city is well-positioned for future commercial redevelopment, neighborhood enhancements, and positive changes.

The Citrus Heights community is family friendly with great schools, beautiful parks, a wide offering of youth programs and many community events, in addition to lots of nearby shops and restaurants.  Citrus Heights is definitely a great place to live, work and play! 

Citrus Heights Photo Gallery