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In Part 1, we looked at the anatomy of your credit score, but where and what is the mysterious database that your lenders are tapping into?  Is there some sort of omnipotent credit guru that has seen all of your credit successes and transgressions, ready to judge the terms of your mortgage with the swing of a gavel?  Kind of…

Fair Isaac Corporation developed a score that you might know as a FICO score.  Back to our omnipotent credit guru example for a moment: the low score ("hell" we’ll call it to keep with the example) is 300; on the other hand, "heaven," is the maximum score of 850.  If you remember from our previous post, lenders want to see what sort of risk you pose, and then determine your mortgage terms based on that risk. 

FICO uses

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PhillyLiving.com Knows Luxury Real Estate.

Whether you’re looking for a high rise condo for sale in Rittenhouse Square, a sprawling estate in Mount Airy, or want a combination of the two, luxury real estate in Philadelphia from PhillyLiving.com meets your demands. Granite countertops, open floorplans, high ceilings, outdoor living space and the show-stopping amenities you expect are at your fingertips with our team of real estate professionals. From spacious, airy rooms to unimaginable views from your penthouse suite, the lifestyle you’re looking for is found in luxury real estate listings with PhillyLiving.com. Finding a home that welcomes you into upscale living is what we do.

Here's a recent article about our luxury listings in Philadelphia

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You’re looking to buy a home.  Unless you have a stockpile of cash, you’ll need a mortgage.  Simple enough, right?  Well, there are a few limiting factors for most.  We’ve seen in past posts that just because you qualify for a mortgage of a certain amount, does not mean that you can afford it.  We’ve also looked at ways to select a mortgage lender, as well as budgeting, spending, and general financial housekeeping.  

So what’s left—what is the last potentially limiting factor in the home buying process?  For many, it is understanding your credit score. 

A basic definition of your credit score is the risk you pose to a lender in terms of paying back your loan--in this case, your mortgage.  The score lenders look at helps them determine and

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Welcome to 919 N. 5th Street, #18! Located in Northern Liberties, this 4 year old end unit townhome has all of the modern amenities you could possibly desire.

Enter into the spacious living room, with high ceilings and hardwood floors. Continue into the open concept kitchen, which features dark wood cabinetry, stainless steel appliances, quartz countertop and breakfast bar. Just off the kitchen, you'll find a half bath.

Exit through the sliding glass doors in the dining area to the fenced rear patio. The patio leads to the shared courtyard, with pergola and bench seating. Back inside, you'll find three spacious bedrooms, two modern bathrooms upstairs and a beautiful balcony off of the Master bedroom.

The fully finished basement offers

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The condo lifestyle can offer a prime location, five star amenities and access to public transportation, but it can also limit your space. If you love your condo but need some creative storage ideas to hold all of your stuff, we have the answer! Even if you’re not desperate for more space, these storage ideas are so creative, you may want to take advantage anyway.

Storage Ottoman

Using furniture that can double in function is a great space saver (and a good way to clear the clutter). Grab an ottoman or two that can act as seating for guests, décor when it’s not being used, and storage space just by pulling off the top. Put away toys, books, decorations, or whatever you need to hide.

Hang It

Minimize the use of your valuable floor space by

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Before you start moving walls, adding additions, or tiling a floor, you may want to consider the stress you are under emotionally and financially if you are buying or selling.  Odds are, it seems your world is upside down as it is, so imagine tacking on a major renovation project?

If you are buying or selling a home, the question of whether or not to renovate will, at times, be at the forefront of your mind.  Perhaps you are considering renovations to make your home your own, or to make it more appealing to potential buyers. Either way, there are some things to consider before you grab your sledge hammer and start swinging. For starters, if you’re in the home buying process, you know better than anyone how exhausting and mentally draining

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Located in the heart of Old City this amazing condo unit offers a fantastic space on a beautiful street. Enter your new loft and immediately notice the attention grabbing double height ceilings with exposed beams and huge windows.

Directly to your right is a spacious bedroom with wall to wall plush carpet flooring. Continue further into your light filled living space where you are greeted by state of the art kitchen, dining and living room area.

The kitchen is equipped with stylish stainless steel appliances, breakfast bar and gorgeous black granite counter tops and back splash. Off of the living room is a private office room which could also be converted into a third bedroom. Continue to the luxurious master bedroom where you will be

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If you’ve started the house hunting process, you know the task of finding the right home for your family can be stressful enough.  Now mix in the probability of multiple offers on your dream house, structural damage, or nightmare neighbors, and it’s no wonder the average house hunter has trouble deciding on the right home. If you’re in the middle of the search, or getting ready to begin, here are some insider house-hunting secrets to keep in mind.

Structural Damage

New paint, shiny appliances and plush new carpet can’t make up for cracks in the foundation or those running down the wall. If a home isn’t structurally sound, anything that’s done to make it more attractive is just hiding the inevitable – the home needs a lot of work, and could

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Many buyers will encounter varied information about the best down payment parameters.  You should consider the age-old 20% down payment; after all, it is...well, age old and time-tested.  20% seems to be an unwritten rule, but why? 

Take as an example the problems in real estate market during the late 2000s—the rampant defaults and foreclosures.  This occurred when lenders forgot to abide by a standard of down payments.  Are there exceptions and other options to the 20% rule? Of course there are!

But from a lenders perspective (unless you’re willing to venture into Private Mortgage Insurance (PMI) (which could incur hundreds, perhaps over $1000 more to your annual mortage bill), a financial cushion is needed.  Lenders don’t like losing money—who

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On a idyllic Cul-De-Sac lot in the highly sought after Rydal Green gated community sits 930 Pine Valley Circle. Beautifully manicured landscaping & concrete hardscaping surrounds this custom Gigliotti built, 5 bed, 4.5 bath French Contemporary home with irresistible curb appeal.

Walk into the tastefully designed 2-Story foyer with wall-to-wall hardwood flooring and immediately notice the open floor plan & custom details throughout. The foyer is adjoined to the living room through a column archway and vaulted ceilings. From the living room you will enjoy a wet bar with custom cabinetry, ice maker, Lutton lighting system and an abundance of windows overlooking the beautiful plush back yard setting.

Across from the living room sits the formal

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