16 • April 2018 • UPBEAT TIMES, INC.


SPRING GUIDE #2 April Showers?


SANTA ROSA, CA. ~ Tey say,” April showers bring May flowers.” March’s showers have brought a lot of colorful foliage. Aside from the burden of taxes, April is one of my favorite months. Spring is in full swing! Te air is fresh, crisp, and full of life. Watch- ing the colorful displays bloom- ing bright liſts our spirits as those cold winter days’ fade into memo- ries. Spring is the traditional start of the homebuying season.


It


is when the curb appeal is at its peak and the landscape shines on its own. Te days are get- ting longer and we feel less rushed and able to appreci- ate where we live.


If buying a home is on your 2018 wish list,


and you need financing, your credit is going to be pivotal for the kind of financing you will qualify for. Your credit rating will be pieced together into that fabric that weaves out the in- terest rate or loan programs you will be offered. If you’re dili-


gent about main- taining good cred- it, the three rules are; pay on time, don’t exceed your limits, and never get your credit


pulled needlessly. Te last rule is the most important if you are in the process of buying a home or refinancing. Keep in mind the underwriter will also moni- tor your credit till the day the loan funds. Te lender is mak- ing sure you do not have some undisclosed debt that could af-


Happy New Year! Value Night Special! Monday & Wednesday Nights Only!


Two Hours of Bowling + Shoe Rental No reservations, but you can


$12 Each person!


Starts at 9:30pm


check in early at 8p.m. Bowling starts at 9:30. Price includes 2 hours of play and shoe rental.


707-585-0226 Details at:


300 Golf Course Dr. -Rohnert Park, CA 94928 16 • April 2018 • UPBEAT TIMES, INC. “The only truth is music.” ~ Jack Kerouac www.doubledeckerlanes.com April 15, 2018 by Barry O'Meara • barryo@stearns.com


fect your debt-to-income and change your approval.


In your initial loan approval, they will


spread across the digital world and it


is important to know


always ask for a letter of expla- nation for any credit inquiries in the prior 90 days. Any in- quiries from the appli- cation date


to the fund-


ing date, will require ex- planations, also. In this digital age, informa-


tion is passed faster than the speed of light.


Information and misinformation is being


what is being reported. Many of the credit cards are offer- ing free credit scores that you can monitor on your monthly statements. Tese scores are “soſt” pulls and do not affect your credit rating. If you view these on a regular basis you should be able to manage your credit and shop for your home with confidence.


So, if you are shop- ping for your first home or


that move up home be mindful of who


is pulling your credit and be prepared to explain any in- quiries, if needed.


Remem-


ber they are monitoring your credit from the prior 90 days to the date of funding. Pay your bills on time and don’t extent your credit limit beyond 50% of your limit. Te credit that the lender is monitoring is not a “hard” pull, so it should not be affecting your credit score. Stay away from the depart- ment store offers, they’re not worth the added stress. Close on your purchase before you start filling the household.


Mini Concert at the Museum of Sonoma County featuring Dirty Cello and the Stevens Sisters


Santa Rosa, CA. ~ Enjoy a Sunday afternoon of live mu- sic at the Museum. Curated by bay area band, Dirty Cello, the mini-concert’s repertoire will present an eclectic mix of fine music from all over the bay area and beyond. Joining them will be the all female barber- shop quartet, Stevens Sisters. From China to Italy, and


all over the U.S., Dirty Cello brings the world a high energy and unique spin on blues and bluegrass. Led by vivacious cross-over cellist, Rebecca Roudman, Dirty Cello is cello like you’ve never heard be- fore. From down home blues with a wailing cello to virtuo- sic stompin’ bluegrass, Dirty Cello is a band that gets your heart thumping and your toes tapping!


More Info? Call:


(707) 579-1500 or www. muse- umsc.org, 425 7th Street, Santa Rosa, CA 95401, April


15.


Time: 2-3 p.m. Cost: $7 - $10. Tickets: www.museumsc.org/ events/?eid=3396


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THE MORTGAGE COACH


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