NOVEMBER + GRATITUDE = PIE SEASON!
🥧🧡
We really love this season of Gratitude, and want to show our appreciation by delivering a fresh pie before Thanksgiving to those we have worked with and know, as our way of saying a big THANK YOU for making our lives better each day.
If you would like to have a fresh pie delivered to you for the holidays, call, text or email me at 949.697.1219, deborah@dkcowles.com.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Pie Flavors : Apple 🍎, Pumpkin, Boysenberry or Cherry 🍒
We are making deliveries November 26-27, so schedule your delivery by November 20.⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
YUM!! We hope you enjoy. ⠀
Housing Market Update!
Attention Please! 🎉Housing Market Update! 🥳The OC Housing Market just dramatically improved the last 2 weeks- whats the twist? 🙃
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Reach out to us and find out! Contact us for the full Orange County Housing Report from Reports on Housing.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
You've got questions. We've got answers.
Contact us today, no pressure, just expert real estate advice.
949.697.1219
hello@dkcowles.com
Compass Catch - La Jolla
Compass Catch - La Jolla
Beach views for days.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
This is a 4 bedroom 4 bath beachfront home overlooking the famous Windansea Beach in La Jolla. This is an extraordinary home with direct ocean views from all floors including the rooftop deck and kitchen and bedroom. Repped by Sid Muldrow and Canter Real Estate Group.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
949.697.1219
hello@dkcowles.com
Just Listed - Corona
Nestle against the foothills - this Stunning townhome is in the Highly desirable Location of Owens Cove at Dos Lagos. The Upscale Gated Community is walking distance to premium shops, restaurants; and the Dos Lagos Golf Club. Welcoming living room that has large windows, high ceilings and direct access to the oversized 2 car-garage.
Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com
#dkfindshomes #homesbydkcowles #compassrealestate
The Difference Maker.
Your choice of agent is the single most important decision you’ll make when it comes to a successful sale. Why? Because who you choose as an agent, will impact and influence every other decision throughout the sale process. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Deborah Cowles - THE DIFFERENCE MAKER. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Who You Work With Matters 🎯⠀⠀⠀⠀⠀⠀⠀⠀⠀
Contact us today, no pressure, just expert real estate advice.⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219⠀⠀⠀⠀⠀⠀⠀⠀⠀
hello@dkcowles.com⠀⠀⠀⠀⠀⠀⠀⠀⠀
www.dkcowles.com ⠀⠀⠀⠀⠀⠀⠀⠀⠀
#dkfindshomes #homesbydkcowles #compassrealestate
HAPPY HALLOWEEN!
Happy Halloween Pumpkins! 🎃 Wishing you a day filled with 'ghoul' old-fashioned fun 👻🧡#homesbydkcowles
2019 Real Estate All Star!!
Thrilled to be named a 2019 Real Estate All Star by Orange Coast magazine! Be on the look out for the December 2019 issue.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com #homesbydkcowles #dkfindshomes #compassrealestate
Just Listed - Irvine
Just Listed - Irvine
A great place to spend the weekend, all you need is an umbrella drink! 🍹🌴
⠀⠀⠀⠀⠀⠀⠀⠀⠀
This 3 bedroom, 3 bath is apart of the thriving community of Central Park West in Irvine!
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Who You Work With Matters 🎯
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com #homesbydkcowles #dkfindshomes #compassrealestate
Compass Bridge Loan!
Compass Bridge Loan Services have launched! 🎉
⠀⠀⠀⠀⠀⠀⠀⠀⠀
Compass Bridge Loan Services is the simple solution to bridge the gap between the home your have and the home you want. This program gets you access to competitive rates and dedicated support from industry-leading lenders. Contact me for more information!
⠀⠀⠀⠀⠀⠀⠀⠀⠀
You've got questions. We've got answers.
Contact us today, no pressure, just expert real estate advice.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
949.697.1219
hello@dkcowles.com
www.dkcowles.com
#dkfindshomes #homesbydkcowles #compassrealestate
DID YOU KNOW... Credit Scores
DID YOU KNOW? The average FICO credit score is 706. Here are some tips about CREDIT SCORES:
* Seeking information about your own credit score is always a soft inquiry, and won’t cost you points on your score, unlike a bank - a HARD inquiry - checking your score for a mortgage application.
* Preferably use less than 30% of your available credit each month and ideally less than 10%. Paying off your bills fully every month while fully using your credit is less effective. Raising your credit limit could help keep your percentage of utilization down.
* Keeping a balance on your cards doesn’t help and could set back your financial goals, which are better served by consistently paying off credit-card debt in full.
* Closing an older credit card won’t help your score and it might actually hurt you.
* Every time you open a new credit card - or take out a loan or qualify for a mortgage - the overall average age of our credit takes a hit, and the hard inquiry subtracts more points from your credit score.
* Getting that first credit card is important to building a thicker credit file, and retail cards are often among the easiest to qualify for.
* Shopping around for a mortgage getting multiple credit scores can hurt your credit, but when credit scoring companies see different lenders pulling your credit score around the same time, they bundle multiple requests as a single query. So shop different rates at the exact same time, within 14 days or less.
Late payments, collections, foreclosures and chapter 13 bankruptcies hurt your credit score for 7 years. A chapter 7 bankruptcy will hurt it for 10 years. But, with the exception of the bankruptcies, the impact of the other problems diminishes as the information ages.
* Banks typically won’t report any debit-card activity to credit-reporting companies, but choosing the credit option on your debit-card purchase means the funds could take up to 3 days to post, whereas the debit option means immediate withdrawal.
* 21% of consumers studied in 2012 found errors that resulted in modifications by the credit-reporting firms. Not all credit reports are accurate. So check your credit by regularly looking at your credit report. You are entitled to a free copy of your credit report annually from each of the credit-reporting companies (TransUnion, Experian, and Equifax). You can request them at AnnualCreditReport.com or by calling 1-877-322-8228. (WSJ)