How to Spend Wisely in Wilmington

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The value of credit goes a long way. By now, most people understand how your spending habits affect your credit and your overall financial standing. This deeply affects people wanting to buy a home!

You should always be careful with your spending habits. Credit report agencies pay close attention to your habits, which affects how lenders analyze these reports.

To approve a loan, a bank will review your payment history in addition to debt and income ratios. Lenders will go way back in your history to approve a loan, including any major or minor spots on your credit report. That’s why you should be extra cautious during the holiday season; it’s easy to get into new debt while shopping.

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YOU SHOULD ALWAYS BE CAREFUL WITH YOUR SPENDING HABITS.

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Mortgage lenders will examine your eligibility based upon 10% new debt, 10% types of credit you have, 35% payment history, 15% length of credit history, and 30% debt-to-income ratio. It’s important to look ahead and stay conscious of your spending, you never know when you will want to invest or buy a home. Set a solid ground for strong credit for the future.

The bottom line: pay close attention to your spending this holiday season and keep a close eye on your payments being on time.

If you’re thinking about buying or selling a home this holiday season, give me a call or email today. I’d be happy to serve your real estate needs in the Wilmington area!

Why hire me?

Four Reasons Why You Should Hire My Team

You may be wondering what sets my team apart from the competition here in Wilmington and beyond, and I have four specific reasons for you why my team will provide you with a better service.

1. Knowledge: I am a lifelong resident of Wilmington, and I have a deep knowledge of this area. I know the pros and cons of each neighborhood, and I have a firm grip on our local market.

2. Experience: I've been a licensed Realtor since 1999, and I've helped thousands of buyers and sellers. Through the years I've refined my negotiation skills, and you will be lucky to find a better deal-maker than myself. My background in home building is also a valuable skill that I bring to the table, and I know all the ins and outs of this industry.

3. Systems: I have a proven and repeatable system that I use with my seller clients in order to net them more money for their homes while also being on the market for the shortest period possible.

4. Teamwork: Whether you're buying or selling, you need a team of professionals to help you. When you work with us, you get an entire team dedicated to your success, and you pay the same amount as you would for one real estate agent. We work cohesively to make your dreams come true!

If you're interested in buying or selling homes in the Wilmington area, please do not hesitate to contact me. My team and I would be very happy to assist you!

Henry McEachern
5917 Oleander Drive
Suite 208
Wilmington, NC 28403
(910) 512-4308
henry@henryandcompanync.com

Click to hear recent testimonials from happy clients

Click to hear recent
testimonials from happy clients

Richard Breakstone -"Oh man, I could talk for hours on this! This guy is fully focused on serving people, and way beyond anything I’ve ever experienced before. I would never think of using any other realtor besides him."

Barry Sigismondi -“I have to put Henry as the #1 agent I’ve ever worked with. If you’re trying to sell a property, he wants to make sure he’s getting you the best possible value he can. If you’re looking to buy a property, he’s your staunchest ally in helping you negotiate the best deal on your behalf. I can’t say enough good things about him.”

Lance Knowlton -“Henry has helped us in real estate transactions from the sale of my mother’s property after she passed, to a rental property most recently. He’s helped us several times over the past few years, and he’s been absolutely excellent to work with. He’s the first person I think of before I’m going to look at any real estate.”

What our happy Wilmington clients have to say

"We found Henry from Customer Review and chose him because of his high volume selling record. He didn't disappoint us. His knowledge helped us prepare our house for the market quickly. His patience made us comfortable to ask any kind of question a seller might have, which is very important. He stood up for us as a seller's advocate. I think he would do the same as a buyer's representative as well. We firmly believe that because of him, we were able to make our cross-country move in less than 2 months. I would highly recommend him."

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"Henry was an amazing asset to us as we ventured into the world of home ownership. As both first time home buyers and new residents to the area, we had quite the array of questions. His background as a General Contractor proved to be most informative during the preliminary walk through and home inspection. Henry was very knowledgeable about the area and coached us through the entire process, from the first offer to the final contract; he has even called to check-up on us in the months following our closing. Henry’s responsiveness, dependability, and positive disposition made him easy to correspond with and a joy to work alongside."

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How to Spend Wisely in Wilmington