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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

By increasing square footage and functionality, resale appeal is enhanced.

An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.

You should aim to have three or more bedrooms for the best resale value, and having four bedrooms is considered the gold standard. Having just two bedrooms is a functional obsolescence for larger family sizes, so a minimum of three bedrooms is ideal. Adding square footage from additional bedrooms will almost always be worthwhile, though, and can easily provide an ROI of 70%.

An estimate is more informal than a quote. Estimates are based on the contractor's prior experience, and they are expected to be off by 10% to 15% of the actual project cost and timeline. Quotes are more formal and require far more detailed information outlining the scope and cost of the project, including a thorough inspection of the area where the contractor will work. This is because the quote is expected to become a binding contract while an estimate does not have this expectation.

Typically during transactions or refinancing, or whenever significant improvements are made.

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