Furniture Fantasy Sale Sat., 8/26/09

Furniture Fantasy Sale Sat., 8/26/09 was GREAT!
Watch for it again next year

Have you ever walked through a Model Home and wished you could get a good deal on the furnishings in the home?  BIA can help.  The Building Industry Association of San Diego County has an annual fundraiser in a 23,000 SqFt warehouse full of great furnishings from Model Homes.

Well now you can. 
As much as 90% off retail.

You must be there early since people start lining up at 4AM. It is open at 8AM and mostly gone by mid morning.

OPEN TO THE PUBLIC
September 26, 2009
8:00am till SOLD OUT
Note: they made over $60K for charity this year - 2009.  Watch for it again in 2010.

FEATURING:

HIGH-END MODEL HOME FURNISHINGS

OFFICE FURNITURE, APPLIANCES

ACCESSORIES

CONSTRUCTION/REMODEL SUPPLIES

All sales are final and items must be removed that day!!!
Cash and Credit Card (MC, Visa, Amex& Discover) accepted

Dont miss the Furniture Fantasy Sale.
Visit: http://www.biacares.org/  for more information.
http://www.biasandiego.org/pdfs/Sales_Flyer.pdf

SALE LOCATION:
3574 Ruffin Road South
San Diego, CA 92123

Exit Interstate 15 on Aero
Go West 1 Mile
Location is one block south off Aero Drive

Follow the Signs!!!

ANOTHER GREAT DEAL!
After you are done there...if you have any money left...
go to the Habitat for Humanity ReStore for more bargains.
The ReStore is having a sale THE WEEK BEFORE on Sat 8/19/2009 to 70% off.
http://www.sdhfh.org/
10222 San Diego Mission Rd
San Diego, CA 92108
(619) 516-5267
 
Up to 70% OFF every Item: cabinets, doors, appliances, granite countertops, windows, lighting, plumbing, flooring, antiques, architectural items and more.

Proceeds to benefit construction of affordable housing in San Diego County.

Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
760-436-0087

Credit Scores: What's Important to Know Now?

Credit Scores: What's Important to Know Now?

FICO  FICO  FICO  FICO 

Your good credit may be taking a beating even though your score has not changed. 
Lenders have tightened up the requirements by 120 points in some cases.

The Wall Street Journal had a great article on Credit and Credit Scores.  Here are some of the things covered there.
Paying off your cards each month may not give you the best score possible.
Taking advantage of reward cards may affect my creditworthiness.
One 30 day late will ding your credit for a year.
Your credit report stays with you for life.
The score I pay for or get for free may not be my real score.

Check out the article for more information at
http://online.wsj.com/article/SB10001424052970204348804574400700026852702.html#articleTabs=article

Your score does make a difference.
This is on a 30 year, $300K, fixed loan on 9/11/09
FICO        APR       Mo. Pmt.
760-850    4.768%    $1,568
620-639    6.357%    $1,868

Another interesting article from the San Diego Union Tribune talks about how much damage is done to your credit score with a Loan Modification, short sale, foreclosure or bankruptcy.

http://www3.signonsandiego.com/stories/2009/sep/13/nations-housing-kenneth-harney/?home

Want more info on credit scores, call or e-mail me and I can e-mail you more info.
Dennis Smith, ABR, SRES, e-PRO, CDPE, Realtor® DRE# 00476662
Certified Distressed Property Expert
Taylor Place Real Estate  760-436-0087
http://SanDiegoHomes4u.com