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 Eastern Panhandle WV Real Estate Blog 
Wednesday, 26 December 2012

If you would like to own a home in the Eastern Panhandle, WV area, but your credit history is lean, having a good "Core Score" could help you. Unlike traditional credit reporting that relies on your record of credit card payments and consumer loans, your Core Score takes other payment behaviors into account. Here's how it works!

The Core Score does not replace the credit history created by the “Big Three” bureaus – namely Experian, TransUnion or Equifax. Instead, it supplements these reports by including data that is normally not a part of your credit profile. Depending on your situation, this could help, or hurt, your chances for a  mortgage.

For example, your Core Score may include:

  • Rent payment history and eviction history
  • Court judgments for child support 
  • Legal judgments for other obligations
  • Payday loan repayment histories
  • Status of property taxes and tax liens
  • Status of homeowner association dues
  • Ownership records of real estate in your name, if any
  • Cell phone payment histories
  • Cable TV and utility payment histories

The Core Score is a product from CoreLogic, a data-mining company that provides financial reporting to employers, lenders, and industry groups. You will not see your Core Score by pulling a copy of your credit report from any of the "big 3" credit bureaus. However, you can obtain your Core Score directly from CoreLogic for free.  

If you are interested in what your traditional credit history looks like, you can obtain it for free by visiting annualcreditreport.com. You are allowed one free report per year.

It’s hoped that the new Core Score will help more renters in Charles Town and Falling Waters become homeowners! Unfortunately, not all lenders are using the Core Score towards mortgage approval. Still, knowing that your Core Score exists will help you be aware of these areas of reporting, and hopefully help you prepare for home ownership in the Eastern Panhandle of West Virginia.

When you have questions about buying or selling a home in the Eastern Panhandle, WV real estate market, contact us for the local experience you can trust! We will be happy to provide you the latest sales data and guide you through today’s fast-changing home market!

 

Posted by: The Kable Team AT 12:45 pm   |  Permalink   |  Email
Tuesday, 18 December 2012
Christmas is just one week away, and before you know it, we’ll be ringing in 2013. We can’t believe that the year has flown by so quickly. With the end of the year approaching, we’re really taking the time to think about what a fantastic 2012 it’s been, what with our move and business booming and personal accomplishments. With that being said, we’re sure you’re doing the same thing, and we’re also certain that you’ll want to celebrate the end of the year with a fun, festive celebration.
New Year’s Eve is one of those holidays that you never want to wait until the last minute to figure out. Restaurants run out of reservations, parties fill up and unless you want to host your own gathering, you could be stuck at home with nothing to do. Thankfully, in the Eastern Panhandle of West Virginia, there is always something fun to do. Here are a few of the many events happening around the area this New Year’s Eve:
New Year’s Eve at the Hillbrook Inn
Charles Town, WV
$50.00 Surcharge for Room, $145 per person for celebration
Enjoy a luxurious, tasty, eight-course meal and entertainment. Should you choose to stay the night in one of the Inn’s gorgeous rooms, you can also enjoy a New Year’s Day Champagne brunch. This is the perfect choice if you’d like to have a romantic getaway with a special someone in your life.
Sheperdstown New Year’s Eve Celebration at Yellow Brick Bank
Sheperdstown, WV
The residents of Sheperdstown aren’t holding back during their end of the year celebrations, and one of the town’s best restaurants, the Yellow Brick Bank, is offering a mouth-watering New Year’s Eve menu before the festivities begin. The menu runs the gamut of a variety of tasty cuisines, so you’re bound to find something for every palette. From Jumbo Lump Crab Cakes to Boneless Rack of Lamb, your last meal of 2012 will likely be your most enjoyable of the year.
New Year’s Eve Dinner and Gala at The Country Inn
Berkeley Springs, WV
$140 per couple for New Year’s Dinner and Gala
Feast on a delicious meal and celebrate by listening to the sounds of jazz, Motown and oldies favorites. Complete your Midnight countdown with a Champagne toast at midnight. Should you choose to stay the night, you’ll enjoy a breakfast buffet following the festivities.
This short list of New Year’s Eve events around the Eastern Panhandle is only the tip of the iceberg. There are many events happening around the area that you and your family can enjoy. If you have any questions about any of the communities in West Virginia’s Eastern Panhandle, don’t hesitate to contact us! We’d be happy to assist you with all of your local real estate and community needs. We hope to hear from you soon!
Posted by: AT 04:12 pm   |  Permalink   |  Email
Tuesday, 11 December 2012
It’s beginning to look a lot like Christmas, and for homeowners all over the Eastern Panhandle, WV area, there is no time that is more fun for decorating. From historic Charles Town to Falling Waters, it seems that you can’t walk through the streets of the neighborhoods in the area without seeing an abundance of homes decorated for the holidays. Nothing puts us in a better mood than seeing traditional holiday decorations.
There are a number of things you can do to make your Panhandle home a bit more festive. These are just a few of many tips that you can apply:
·         Make your garlands natural. A combination of leaves, pine cones, and cranberries creates a traditional, festive atmosphere throughout the home that you can’t help but love.
·         Throw in some personal ornaments. As much as well all love the tried-and-true decorations, the favorite tree-trimmers are always the one with a good story or some sentimental value. Whether homemade or a cheap plastic ornament from a family vacation, make your ornaments a bit of a walk down memory lane. You’ll have fun sharing stories about what each individual ornament means to you.
·         Get creative with your wreaths. We don’t know if you’ve noticed, but there are so many creative ideas for Christmas wreaths out there. We saw one on Facebook the other day that someone made out of wine corks! The list goes on. You can create a medallion wreath out of foam ceiling pieces or use other decorative elements to bring out your inner artist. Who says wreaths have to be Christmas-related? You could create one for winter or any other holiday you celebrate.
·         For a pop of color, you can’t go wrong with a fruit display. They add an element of warmth during a cooler, drearier season. The traditional flair is always fun and festive during this time of year as well.
·         Add splashes of color in the small decorations. Including festive, schematized colors in smaller pieces like candles or decorative dishes will create a seasonally-appropriate look without going over the top. It’s also a decorative tactic you can use to suit any season, holiday or occasion, so you can keep the trend going year-round.
These are just a few of the many ways that you can spruce up your Eastern Panhandle, WV home during the holiday season. The Christmas spirit has hit the area, and your home can reflect the sentiment that has taken over your entire community. If you have any questions about buying or selling a home in the Eastern Panhandle, WV real estate market, feel free to contact us at any time! We’re happy to guide you throughout your entire transaction. Happy decorating!
Posted by: AT 02:27 pm   |  Permalink   |  Email
Tuesday, 04 December 2012
Nothing is more charming and spirited than Historic Charles Town, WV around Christmastime. The entire city transforms into a miniature Winter Wonderland. It’s a favorite destination for area residents to visit during the holiday season. As your Eastern Panhandle, WV real estate and community experts, we love telling newcomers to the area all about everything Historic Charles Town has to offer.
This weekend, you can get a small slice of Christmas spirit at the 3rd Annual Christmas Home Tours and Market. Here are some of the event’s best highlights:
·         It’s happening this Saturday, December 8th between 9:00am-4:00pm. You can spend all day long enjoying a transformed historic sector of the Eastern Panhandle.
·         Take a tour of four stunningly decorated homes throughout Historic Charles Town between 10:00am and 4:00pm. Each time you leave, your holiday spirit will be heightened. It’ll definitely be a Christmas-lover’s paradise.
·         See the Charles Town Baptist Church and the rest of Historic Charles Town as you complete your home’s tour.
·         Tour tickets are $15 and will be available for purchase at the Market on the day of the tour.
·         The Christmas Market, taking place at the Zion Episcopal Parish Hall at 215 E. Washington Street, will open at 9:00am and close at 4:00pm. Special gifts and greenery will be available for purchase, so it’s the ideal time to get some holiday shopping done.
·         All of historic downtown’s restaurants will be open, so you can enjoy lunch at your favorite eatery or try someplace new.
These are just a few of the many highlights that you can expect to enjoy from the 3rd Annual Christmas Home Tours and Market! Sponsored by the Dolley Madison, Windflower, Wizard Clip and Shenandoah Garden Clubs, this won’t be a holiday event that you’ll soon forget. It’s the ideal day to immerse yourself in the holiday spirit with the entire family.
It’s events like these that make Charles Town, WV such a fantastic place to live. There is ample opportunity for the community to come together and celebrate with friends and neighbors. Celebrations like this one show just how intimate and close-knit of a community Charles Town really is.
As always, if you have any questions about buying or selling a home in the Eastern Panhandle, WV real estate market, don’t hesitate to contact us and ask. We’re happy to help you in any way that we can. We’ll also continue to keep you in the loop about upcoming events in each of the area’s amazing communities. We hope to hear from you soon!
Posted by: AT 03:25 pm   |  Permalink   |  Email
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KABLE Team Realty

Tracy Kable, Broker
873 E Washington St, Suite 200
Charles Town, WV 25414-1520
Phone: (304) 725-1918
Email: TheKableTeam@TheKableTeam.com

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