Archive for January, 2011

Credit Do’s and Don’ts

Monday, January 31st, 2011

When purchasing or refinancing a home, good credit is CRITICAL to get the best offer.  Answer me this – What do you do to protect your credit when you are getting a mortgage?  How do you make sure your scores don’t decrease?

Let me help you…

Make sure you:

1.         Stay current on all accounts – one late payment can drastically hurt you!

2.       Continue using your credit as normal

3.       Call your mortgage consultant before doing ANYTHING with your credit!

Biggest Oopsies!

1.         DO NOT apply for new credit (no co-signing either!)

2.       Don’t pay off old collections or charge offs

3.       Don’t close any credit card accounts

4.       Don’t max out or over charge accounts – try to keep your balance under 30% of your limit!

5.       Don’t consolidate your debt – this may raise your ratio on that card

Get The Latest List of Homes in New Bern NC

Saturday, January 29th, 2011

Being the Real Estate expert for New Bern and Havelock NC, I have access to the latest foreclosures, short sales, bank owned and regular home listings as they come on the market.

Click Here to Sign Up for the Newest listings as they hit the market.

Real Estate Buyer Affordibility Increased

Saturday, January 29th, 2011

Every month Keller Williams Realty comes out with a new video on the state of Real Estate.  Sign up for my email notification to keep informed on the market.


Why I love America!

Friday, January 28th, 2011

We are the land of opportunity and I am so glad that I live in a country that allows everyone the freedom to make the amount of money that they choose.

Take a look at this opportunity and you decide.

Click Here for more details


VA Loans – Most common misconception!

Monday, January 24th, 2011

VA Loans – Most common misconception!

I can only use my VA loan one time.

Incorrect!  Yes, your eligibility is reusable depending on the circumstances. Normally, if you have paid off your prior VA loan and disposed of the property, you can have your used eligibility restored for additional use.  Also, on a one-time only basis, you may have your eligibility restored if your prior VA loan has been paid in full but you still own the property.

Difference between first time use and subsequent uses??

When using your VA eligibility for the first time, there is a 2.15% funding fee.  Anytime the eligibility is used after that, you are charged a 3.30% funding fee.  Is there a way around this? – Yes, if you receive at least 10% disability, you are exempt from this VA fee!

Want to know more, contact me!

Danielle Hifko

Mortgage Consultant

New American Mortgage

825 Gum Branch Rd

Jacksonville, NC 28546

Cell 910.581.6398

Fax 910.672.8597

NMLS # 325223

License # I-149925

I Am an ACN Rep.

Friday, January 14th, 2011

Looking for a business opportunity that allows you to not only market services people use everyday, but the services of the future too? This opportunity provides outstanding earning potential with ongoing training and support. You are in business for yourself but never by yourself.  Stop imagining and start living like I did.

Go check it out for yourself at

Home Sold Statistics for New Bern, NC

Friday, January 7th, 2011

So it was not a banner year for the state of Real Estate however we still did very well compared to most. In 2010 there were 2966 listings taken. Out of those listing, 1289 were sold. In percentage terms this translated into 43.4% of listings sold.  In 2009 47.1% of listings were sold compared to 2008, 51.1% sold.

A Truly Green Home in New Bern NC

Friday, January 7th, 2011

If you a looking to buy a quality home that will save you money on your electric bill, then this is it.  Check out this home and this website.


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