A loan officer directed me to this site years ago, as an easy way to eliminate annoying and unsolicited credit card offers and stabilize my credit score. Apparently these companies hit up your credit to "prequal" you for their unsolicited product. They don't count as a "hard" hit, but after 15 or 20 it will affect your score by a few points.

It's like the do not call registry and works for 5 years before renewal is required (if you do an online registration). For more info:

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt063.shtm

And a link to the site:
https://www.optoutprescreen.com/?rf=t

Why is this important? Not only will it help your credit score stabilize, but if helps reduce the risk of credit/identity theft. How many of these offers do we throw in the garbage? It's definitely beneficial to eliminate a possible problem at the source.

Per a news bulletin, it appears Congress passed the first-time home buyer's credit extension and it's going to the President for signature.

The changes include:

- $8000 credit extended through April 30
- COE of applicable home extended through end of June
- Income limit increased to $225,000
- New clause offering $6500 credit to FTB who lived in their home (worth $800K or less) for five out of prior eight years

This is a 4/2 with hardwood floors throughout plus a large bonus room not included in square footage. The owner had remodeled the home for use as a residential care home, so the front and rear entry have wheelchair ramps. Also, bedroom closets have all been removed. Well priced for a good neighborhood; perfect for a buyer who is handy and interested in doing some minor remodeling.

For more info, click here to go to our RE site to view the listing.

Ray will be holding open this home on Saturday, 10/24, from 1 to 4 pm. Stop by to see this beautiful townhome! This is a "normal" sale, so if you're looking to secure a home prior to the 12/1 deadline for the first-time buyer credit, this home is an excellent candidate!

Click here to preview the virtual tour.

For more information, click here to view the listing.

102 Abby Wood Court - Rare Los Gatos Woods end unit shows like a dream! Beautiful architecture!

Beautiful home, staged & shows well! Complex amenities include 2 pools, tennis courts, exercise room, small playground, clubhouse available to rent, outside basketball court!

Formal foyer with stained glass windows opens to spacious living room with cozy fireplace, high tongue & groove ceiling & view of rear yard. Huge kitchen w/large, informal dining room has pantry & extra storage space–great for entertaining. Master suite has vaulted tongue & groove ceiling & sitting area.

Click here to view the virtual tour.