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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

Yes, wood floors are among the most desirable flooring options, and most homebuyers are willing to pay more for homes with high-quality wood floors installed. Wood floors are relatively easy to repair, maintain, and clean, and buyers may pay a premium for the convenience and natural beauty of wood floors, especially if they’re new or in good condition. You can reasonably expect a return on investment of around 75% or more when you upgrade to wood floors, depending on the quality and type of wood.

As long as the home inspection reveals no problems with the property’s structure, it shouldn’t be an issue buying an underpinned home. In fact, a properly underpinned property can be more stable than houses that have never had structural issues. However, you could face a higher insurance premium if the property has a history of structural problems. You should always request a structural engineer’s report before making a final decision.

Finishing a basement can add value to your house by transforming an unused area into valuable living space. Finished basements can provide an average 70% return on investment (ROI), depending on your area and the type of basement. As long as you follow all local building codes, including installing points of egress, you may be able to count a finished basement toward your home’s total square footage.

It’s often a good idea to take care of any health and safety repairs before an appraisal to make sure the mortgage can move to underwriting without having to pay for another appraisal. Replace any broken glass, fix uneven or sloping floors, ensure all steps have appropriate handrails, and have a professional get rid of mold, asbestos, and lead paint. Beyond these repairs, you can update appliances or fixtures and focus on aesthetic improvements like new paint to add the most value before scheduling an appraisal.

Ideally, you’d never pay more than the appraised value for a home, but there are some instances where it makes sense to do so. For example, if your current living arrangements are no longer viable and you need a place to move into quickly, paying more than the appraised value might be in your best interest to secure a new home. Additionally, if you’re buying in a hot market, overpaying for the home might be necessary to overcome the competition.

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