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CreditGuard of America

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CreditGuard of America

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12 years of experience

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.



Elaine Pelletier - BHG / The Masiello Group

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Elaine Pelletier - BHG / The Masiello Group

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25 years of experience

"Your Doorway to New Beginnings" Whether opening a door to a new home, or closing the door to your selling home, I am devoted to make this happen for you! With my many years of top producing real estate services, I would welcome the opportunity to work with you. You will receive honest, dependable and personalized service. I will work hard for you and look out for your best interest in all transactions! My career as a Realtor/Broker has been devoted to making the transition of all my customers to their homes and community a smooth transition. Whether Listing, Buying, Relocation, First Time Home Buyers, New Construction, Waterfront, call Elaine and the Pelletier Team today! Personal History: Elaine and her husband, Joel, reside in Bucksport/Orland, Maine for the past 33 years. They have two grown children whom have established great careers for themselves. Daughter is a Doctor and son a sucessful realtor as is part of the Pelletier Team. In our spare time we enjoy, family outings, boating, skiing, & tennis. Accomplishments: 2000 Rookie of the Year! Multi million dollar producing Agent from 2000 to 2013 consecutive years! Top 5 producing Agent for Greater Bangor Area in 2013

"Your Doorway to New Beginnings" Whether opening a door to a new home, or closing the door to your selling home, I am devoted to make this happen for you! With my many years of top producing real estate services, I would welcome the opportunity to work with you. You will receive honest, dependable and personalized service. I will work hard for you and look out for your best interest in all transactions! My career as a Realtor/Broker has been devoted to making the transition of all my customers to their homes and community a smooth transition. Whether Listing, Buying, Relocation, First Time Home Buyers, New Construction, Waterfront, call Elaine and the Pelletier Team today! Personal History: Elaine and her husband, Joel, reside in Bucksport/Orland, Maine for the past 33 years. They have two grown children whom have established great careers for themselves. Daughter is a Doctor and son a sucessful realtor as is part of the Pelletier Team. In our spare time we enjoy, family outings, boating, skiing, & tennis. Accomplishments: 2000 Rookie of the Year! Multi million dollar producing Agent from 2000 to 2013 consecutive years! Top 5 producing Agent for Greater Bangor Area in 2013








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Property Keepers Inc

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Property Keepers Inc

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14 years of experience

Property Tax Consultants, Experts in Lowering Property Taxes Nationwide. Residential, Commercial, Industrial and Non-Profit Property Owners can SAVE MONEY ON their Property Tax Bill. $100 off the Flat Rate Fee Service. Call For an Analysis and you may Qualify For a REFUND $$$,

Property Tax Consultants, Experts in Lowering Property Taxes Nationwide. Residential, Commercial, Industrial and Non-Profit Property Owners can SAVE MONEY ON their Property Tax Bill. $100 off the Flat Rate Fee Service. Call For an Analysis and you may Qualify For a REFUND $$$,

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Real Estate Agents questions, answered by experts

Basement bedrooms can count toward your room count and the square footage of your home on an appraisal if they’re fully legal, which means they have proper ventilation and points of egress, as defined by your local building code. Simply partitioning off a space for a bedroom in an otherwise unfinished basement that isn’t a legal living space won’t affect your appraisal value.

Foundation cracks won’t always affect your appraised value. All foundations crack due to normal settlement, so hairline cracks that aren’t leaking or uneven from side to side are unlikely to have an impact on your appraisal. Structural cracks, on the other hand, often lead to a reduced appraised value, especially if the underlying problem will cause the issue to worsen over time.

A comprehensive smart home system can be really attractive to buyers and increase the value of your property. Components such as a smart security system, smart lawn and garden systems, and smart appliances can all drive up the value of your property.

Mortgage underwriting is often the next step after an appraisal, and this process can take anywhere from a week to a month or more. The timeline depends on the mortgage lender’s requirements, how quickly the buyer gets the required documentation to their lender, and whether there are any issues during the underwriting process.

Much like any new siding, stucco will increase home value and curb appeal. Stucco provides an average ROI of 70%. With the average cost to stucco a house sitting at $5,700, you can expect to see a value bump of close to $4,000. Opting for a high-end stucco texture can improve value even further.

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