Cindy Bergen Real Estate Agent

Cindy Bergen

License#: RS281752
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(484) 919-8854

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FHA Approved Condos

By Cindy Bergen Realtor - May 10, 2024
Understanding FHA-Approved Condos In order to use FHA financing to buy a condo, the condominium project must meet the eligibility requirements of the Federal Housing Administration (FHA). FHA-insured loans offer some significant benefits for the home buyer, such as lower down payment requirements and reduced lender fees, and using this financing is a great way to purchase a condo. The Federal Hou
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Interest Rates & APR differences

By Cindy Bergen Realtor - May 05, 2024
Understanding the Difference Between Interest Rate and APR One of the least understood aspects of obtaining a home loan is the difference between the interest rate and the APR (Annual Percentage Rate). At first glance, they sound like the same thing, but while they both impact the cost of the loan, they are two different aspects of the home loan program. Home interest rates, or more commonly refe
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Potential Contracts, What to Expect

By Cindy Bergen Realtor - May 01, 2024
Contractor Requirements – What to Expect from a Potential Contractor Most homeowners do not have the expertise or interest in tackling a large home project, so they find a contractor to handle it for them. Hiring a contractor is very different from finding a handyman or gardener. A contractor must adhere to strict guidelines set out by the state or jurisdiction they operate in. Here are the basic
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Dining Room Weekend Projects

By Cindy Bergen - April 27, 2024
Weekend Projects That Will Change the Feel of Any Dining Room Rainy, cooler weekend in the forecast? Rainy season is here, and with it comes cozy evenings and comfort food. Your weekend plans are more likely to include movies on the couch than a picnic in the park. This is the time when everyone takes a closer look at their home and looks for ways to add warmth to the spaces. If your meal plans
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Mortgage Prep Tips

By Cindy Bergen Realtor - April 23, 2024
Looking for a Mortgage? It Might be Time to Review Your Resume When evaluating a potential borrower, lenders consider a number of factors. You already expect to produce a good FICO score, proof of income, and a reasonable down-payment, but have you reviewed your resume? A crucial aspect of loan approval is your employment and employment history – your resume. Your employment history provides lend
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Love Letters

By Cindy Bergen Realtor - April 19, 2024
Buyer’s “Love Letters” – Should You Read Them When Selling Your Home? Selling a home can be an emotional experience. As the seller, you want to make sure that the buyer loves the home as much as you do and will take care of it. In other words, you’re looking for the perfect buyer with the perfect offer. Home buyers understand this, and in the recent seller’s market, some buyers have written heart
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Wellness Room

By Cindy Bergen Realtor - April 16, 2024
Enhance Your Home with a Health and Wellness Room Creating a health and wellness room in your home can be a positive step in prioritizing your well-being and fitness. A step beyond just room for an exercise bike, this room should include areas for reflection and calm. A place where you remove distractions and can focus on yourself. Any spare space can be transformed into a health and wellness roo
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House Didn't Sell?

By Cindy Bergen Realtor - April 14, 2024
Why Didn't My House Sell? There is nothing more frustrating for a seller than to watch houses around them sell like hot cakes while theirs lingers on the market. Finally, when the listing expires, they find themselves asking why? Why didn’t my house sell? In a robust housing market like we’ve had the past few years, the good news is there are some common reasons why a home doesn’t sell. If you fi
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Room Makeover for Under $500

By Cindy Bergen Realtor - April 13, 2024
Change the Feel of Your Room for $500 or Less Using Rugs Everyone is looking for easy ways to spruce up their home. As spring approaches, those warm, cozy rooms that were so inviting in the cold can look cluttered and dark. If redecorating every season isn’t in your budget – and how many people can – then consider adding or changing a rug or two for big impact and often less than $500. Rugs have
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What the New Credit Score Models Mean for Homebuyers

By Cindy Bergen Realtor - April 12, 2024
Starting in 2025, new credit scoring models will be used by lenders to determine the creditworthiness of potential homebuyers. Fannie Mae and Freddie Mac will mandate the adoption of the new FICO Score 10T and VantageScore 4.0 by the end of the year. For those interested in buying a home, these changes will impact their ability to purchase. The good news is that these scores aim to be more inclusi
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Importance of Title Insurance

By Cindy Bergen Realtor - April 08, 2024
Basics and Importance of Title Insurance Title insurance is a critical component of the home selling process, yet many homeowners do not fully understand what it is or its value. Simply stated, title insurance protects both buyer and seller from any potential issues with the property’s title. When selling a home, obtaining title insurance offers peace of mind to all parties. Title insurance acts
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How Does Child Support and Alimony Affect Qualifying for a Home Loan?

By Cindy Bergen Realtor - April 06, 2024
A divorce is an emotional upheaval regardless of how amicable the parties try to be. One important factor is housing as at least one party will be moving out of the home, and maybe both people will be looking for new, more affordable living arrangements. During the divorce, it’s common for one person to owe the other some form of alimony (spousal support) and/or child support. So, in the search fo
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