• Wappingers Office
    (845) 297 4700
    (845) 297 8178
  • Lagrange Office
    (845) 485 2700
    (845) 485 2703
  • New Paltz Office
    (845) 255 6163
    (845) 255 6757
  • Commercial Real Estate Division
    (845) 297 4700
    (845) 567 8333

CENTURY 21 Alliance Realty Group's Blog

Have a Movie Night on Bannerman Island

Have you ever been to Bannerman Castle? This fanciful structure sits on Pollepel Island, a small piece of land on the Hudson River which is often referred to by the castle's name. If you enjoy a bit of adventure, then take an evening to explore the island and see a classic film by signing up for Movie Night on Bannerman Island! Any evening featuring a cruise to an island castle is bound to be one you'll never forget!

Your Credit Score Might Have Just Gone Up

If you are thinking of buying a home, then one of the most important pieces of information to know is your credit score. A better score will allow you to qualify for a larger loan, as well as grant you access to better interest rates. The result is that a credit score increase could end up saving you thousands of dollars in interest payments over the course of your mortgage, regardless of if it is a new loan or an old one being refinanced! Thankfully, millions of American consumers have seen significant bumps in their score over the course of the last year as the major credit reporting agencies introduced new regulations in how they calculate credit scores. Keep reading to learn why you might want to double-check your score if you haven't done so in a while!

Co-Signing A Loan . . . What Can Go Wrong?

Have you been asked by someone to co-sign on their loan? Before saying yes, even if it is a close relative, you should be aware of the many potential consequences to your own financial situation which could result from the decision. Here are some facts that you should consider:

► As a co-signer, you are essentially taking the loan out yourself. You share in all the responsibilities that go along with the loan. The borrower couldn't get the loan without your "guarantee", so essentially the lender cares more about you than the other borrower. It directly affects your credit and your ability to qualify for your own loans during the period that the loan is outstanding.