There once was a move from ware
The pews from a church to repair
The damage had begun, from a storm that had spun
They called Bert Hill to care.

Credit, Character, Cash, Collateral…Your Loan Officer
will gather specific details about you for the purpose
of establishing your credit worthiness and an acceptable property for a mortgage.

Your credit is even more important these days. Your Loan Officer will check three FICO scores, one from each of the national credit bureaus. We use the middle of the three scores for qualifying purposes for loan programs.  Your credit record or credit score, and character, show us the commitment you have demonstrated to use credit wisely, pay debts responsibly, and consider the amount of credit used and your ability to repay.

Know what you are looking for in a home. Most people who are buying homes in today’s market are relocating due to work or a change in family size. Others are looking to buy their first home.

Unsure of how to kid proof your new home? Moving is an exciting, stress-full day for everyone in the house. But you need to remember accidents do happen, so let's go through some preventions before its too late.

Having a hard time selling your house? You might be making a common mistake of decorating your home. Trying to make it look pretty is not the key. Don't get me wrong, you do want your house to look nice, but get rid of those nic nacs! Only keep the bare necessities.

Get that thought out of your head. The last thing you want to do is to get injured, damage the piano or house. Piano’s can range from 300 to 2,000 pounds. Hiring an expert piano mover will save you in the long run. Not every mover is an expert with pianos. You want to look for a mover who specializes in moving pianos. Ask how many pianos they move in a week. Ask how they protect the piano during the move.
There are many types of pianos, all with different handling needs. Make sure your mover is experienced in handling these needs.
If your mover tells you that your piano won't fit up or down the stairway, listen to them. (sometimes stairways have been remodeled after the piano is in place) You may need piano rigging out a window or basement hatchway. These types of moves should only be done by the experienced mover. Remember, after a piano is moved it will need to be tuned by a piano tuner. When all is said and done, you'll be glad you hired a professional. You will be able to continue enjoying that piano you treasure most.

Piano’s comes in many different styles, designs, shapes and sizes. Pianos have two basic categories: the vertical and horizontal pianos. To help inform your mover on what type of piano you have, see below list provided by about.com.

Keep some dollars in your pocket with these easy steps.
What are you moving? A house or an apartment? How much can you do yourself?

Today there are options when moving your household items. You can hire a full service moving company who will do everything for you. They can pack your boxes, move your items and even unpack your boxes and help you settle into your new home. A move like that is easy on the back but may not be so easy on the wallet. You can reduce the price by doing some of the move yourself. I know… I know… we are not all teenagers with bulging muscles. That’s ok; if you do your own packing you will save approximately 50% on the move. If you can move the small stuff (boxes, lamps, pictures, small tables, small chairs…) you can save an additional 20% on your move.

Moving can be a stressful time.
Staying organized is the key to a smooth move.
There are 3 phases to any move.

1. Preparation & Packing
2. Moving Day
3. Unpacking & Organizing

Preparation & Packing
You will want to set a firm date for the move and hire your moving company. When you hire your mover, you may want to have an in home estimate done. This will give you the opportunity to meet the representative of the moving company and ask questions about your move. Know the date and time the moving company will arrive to load and deliver your household items. Make sure you have a good idea of price and the moving company’s liability policy. A folder or a 3 ring binder is a great way to keep all your moving paperwork organized.