Tag Archives: repair

Be Prepared for Stormy Weather

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If you live on the northside of San Antonio, you might already be dealing with the expensive, time-consuming and stressful reality of a home hit by a hail storm. For those of you who bypassed the disaster, or haven’t had time to deal with it yet, here are some tips to better prepare you for the worst.

  1.  Make a checklist of anything you think might have been effected by the storm and take photos. It helps if you have current photos to compare with. You’ll want to look at all the details, such as gutters and fencing.
  1. Call your insurance company immediately. Just because your house may look like it doesn’t have any damage is no guarantee. From the ground you won’t be able to see the extent of the roof damage, for one. It’s always best to have an adjuster sent out right away.
  1. Don’t wait for the adjuster. Start getting estimates on repairs as soon as possible. The better prepared you are, the easier the process will be.
  1. Perhaps one silver lining is homeowners insurance often covers items outside of your house, such as patio furniture.
  1. Do yourself a favor by staying organized. When something unexpected like this happens, being able to easily find receipts and paperwork can be a huge stress reliever.
  1. A cracked windshield is bad enough. With insurance deductibles, it’s likely that could all come out of your own pocket. Although we’re probably never fully prepared for weather damage (even when you see it coming), if you can safely get outside, drape a  heavy blanket and/or large towels over your car, it might just save you from an expensive mess!

If you’re ready to throw in the towel and finally build your dream home, call us at 210-494-5400 to set up a consultation. If you wish to be added to our private email list for our newsletter, please sign up here.

Repair Your Credit to Build Your Dream Home

Maybe you’re ready to build your dream home, but your credit isn’t quite where you know it needs to be. Regardless of the market, banks are more careful than ever, and showing them that you have good credit is key to getting what you want.

Credit Score

Credit scores are what banks refer to when deciding whether you’re a safe bet. They look at your past credit history of spending such as what’s your level of debt and whether you make payments on time.

According to Freddie Mac and Fannie Mae, companies that purchase mortgages from banks and resell them to investors, a FICO score above 620 is considered good, 650 is even better.

Time is on your side when it comes to credit. Past incidences will eventually lighten up or fall away. It should also be noted that you will have a low score if you have little or no credit history. Meaning, if you’re looking to invest in a home any time soon you should start using credit cards, responsibly of course.

Here are some tips to boost your credit score:

  1. First, check your credit report to determine where you stand. You may find that there are some discrepancies on your report. If so, you can write to the credit reporting companies – tell them what happened and request they investigate. This might be a hassle, but it’s worth it if it removes bad credit history.
  2. Eliminate what they call “nuisance balances,” – these are cards that have small balances. Target these first.
  3. If you have credit cards or debt with large balances, do your best to start witling away at them. By paying down your balances and keeping those balances low, you’ll positively affect your score.
  4. Find out whether the credit card issuer will allow you to make multiple payments throughout the month and do so.
  5. Don’t try to get old paid-off debts removed from your credit report, that is if they were paid off appropriately. Good debt is actually helpful to your score. Besides, items typically disappear from your report after seven years.

Even little things like setting up payment reminders can help you build better credit and in the end help you build your dream home. That’s where Stone Creek Custom Homes comes in. We’re here when you’re ready! You can call us anytime at 210-494-5400.