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Joseph Pettinella's blog

Indoor Air Pollution: Do Something About It

According to the EPA, indoor air can be more polluted than the outdoor air, even in the most industrialized cities. In fact, they have found that the air in our homes can have pollutant levels two to five times higher than the outside air, and sometimes even much higher, depending on what furnishings, building materials and cleansers we are using.

Potentially hazardous chemicals, in the form of building materials, furnishings and cleaning products, infiltrate nearly everyone’s home. They’re found in upholstery, manufactured wood products such as plywood and press board, traditional paint, permanent-press fabrics, carpet, vinyl, air fresheners, sealers and adhesives. And they can hang around in the air and carpets for years.

The ill effects of indoor air pollution can range from short-term issues such as irritation of the eyes, nose and throat, to headaches, dizziness and fatigue, and long-term exposure can lead to serious and chronic illnesses, such as respiratory disease, heart disease, or cancer.  It's important to do what you can to improve the quality of the air in your home, even if no family members are having adverse health symptoms. 

Here are some of the main sources of indoor pollution and some things you can do to minimize the effect of them on your family's health.

I Want To Buy A House . . . What Credit Score Do I Need To Qualify?

A perfect credit score is 850 . . . that's like graduating from college with straight A's!  But all scores 760 and above are considered to be in the best credit score range.  Lenders really want your business, and will offer you their best products at their lowest interest rates. If your credit score is 760 or above, CONGRATULATIONS!  You've obviously done some things right. 

A good score is between 700 and 759, and a fair score is between 650 and 699. A lower score means you’ve had some dings on your credit history.  The lower the score, the greater risk you are in the eyes of the lender. You will likely still qualify for a mortgage, but will probably not receive the same rate/cost structure as people with the highest scores.

Most FHA lenders require your score to be 650 or above in order to approve your loan.  Credit scores below 650 fall in the "poor" range and indicate that you have had some rough times in your credit history. Depending on the circumstances, you may still qualify for a loan, but it will be more difficult to secure, and you will likely pay more.

Single Home Buyer? Here Are A Few Things You Need To Know

Single and thinking about buying your first home?  Make sure you do your research and take your time.  Start learning what you need to know several months before you are ready to start viewing properties.  The more you know and the better prepared you are, the quicker you will find the right home to meet your wants and needs.

There’s a huge sense of independence in owning your own home, being comfortable in your own living environment, and making your own rules and decisions.  

Many single women and men are buying their own homes. In fact, according to the National Association of Realtors® single women accounted for 21% of all home purchases in the year ended this past June, while single men accounted for approximately 10%.

Here are a few important financial tips for single home buyers (women and men):