Lately, the common sense advantages to homeownership have been joined by a newcomer—one that doesn’t immediately leap to mind. It comes at an interesting time, as more and more of the national discourse focuses on healthcare issues.

The newest reason why owning your own Bethany Beach, DE home should have a high priority? Why it’s for your health!

That might sound like a bit of a reach if the only source behind it was the National Association of Realtors®. They do in fact point to recent studies that find homeowners “generally happier and healthier than non-owners.” Doubters inclined to question the validity of such a generalization might be reassured by the fact that the health outcome findings held up after being “controlled for factors such as income and education levels.”

It turns out that real estate industry promoters aren’t alone in finding a good health connection with owning your own home. In connection with World Health Day, the Habitat for Humanity group put together a “Health and Homeownership” paper. It linked one common sense phenomenon—the better condition of owned homes with those of rented homes—with health outcomes “including respiratory conditions such as asthma, exposure to toxic substances, injuries and mental health.” All in all, they felt confident in reporting “better health outcomes for homeowners.”

I’m standing by to offer healthy measures of help and advice for all your Bethany Beach, DE real estate dealings. Just call! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

If you have your sights set on a brand spanking new Bethany Beach, DE house, the romance of a home that’s witnessed the comings and goings of previous generations probably doesn’t call out to you. At least not nearly as powerfully as a front door lock that’s yet to be turned, a kitchen with nary a ding nor scratch—or a roof covered by a decades-long warranty with your name at the top.

On the other hand, if you are drawn to older houses, to you, the best ones have character that can’t be matched. They have substance in a way that only time can convey. To some extent, they’re all historic!

If you love older houses, a new home’s first-one-in advantages don’t beckon as much as the feeling of a home that’s stood tall through many decades. You’re well aware that its maintenance will be in your hands. You’re comfortable in taking up responsibilities that your predecessors have shouldered in the past. When an older Bethany Beach, DE house is in terrific condition, keeping it in top shape is a continuing source of pride—all the more so when it really is “historic.”

Now, about that word: historic. Whether or not an older house carries the official designation, most enthusiasts think of an older Bethany Beach, DE house in that light if it fits into one or more of these categories:

·         If a previous owner is a significant historical personage—or the home was known to have hosted such persons—it qualifies.

·         If it can be linked to a significant event in history, likewise.

·         If its construction techniques or characteristics are unique enough to be of historical architectural value, it qualifies.

·         If it is old enough to exemplify truly historical qualities (a common example is a house “built with wooden nails”). I think square nails should qualify.

 Being officially designated is another matter—and not always a welcome one. Once Bethany Beach, DE buildings are declared to be historic, they are likely to fall into a special category when it comes to changing anything about them—which can create hurdles that run-of-the-mill homeowners don’t always want to worry about.

 Designated historic Bethany Beach, DE homes are few and far in between in the Bethany Beach, DE listings, but whether you’re on the lookout for a well-cared-for older house or one ready to greet its first owners, I’m standing by to help you discover it! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

“It can be kind of confusing.” - Tom Quinn, V.P Business Development for myFICO in “The Scores That Matter in Mortgage Lending.

Unless you’re a buyer who falls into the all-cash category, once you begin to zero in on buying your next Bethany Beach, DE home, you will already have been paying close attention to your bill-paying reputation. You will probably have requested one or more of the free credit score reports the reporting agencies furnish free of charge once a year.

Mortgage lenders use Experian, TransUnion, and Equifax in differing ways, and since each follows its own system to rate your creditworthiness, their scores differ. And it’s more complicated than that because the agencies offers lenders different scores depending on the type of loan being considered.

In fact, the Consumer Financial Protection Bureau once ordered TransUnion and Equifax to pay millions of dollars in fines “for deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers.” So Equifax’s Score 5 differs from its Score 8—and Experian’s Score 2 differs from TransUnion’s Score 4…and so on. FICO will sell consumers access to “28 of the most widely used” score versions—but when you try to find out which scores any given lender is currently using, you’re unlikely to come up with a useful answer.

That means that the successful way to navigate the system is common sense-based. As FICO acknowledges, although evolving credit models “keep pace with changing consumer credit behaviors,” all have a “similar underlying foundation.” All are designed to show the lenders who’s likely to pay obligations faithfully. So keep an eye on your reported scores, dispute any black marks that are inaccurate, and take all the well-publicized steps that create strong scores: use a variety of credit types, make payments on time, etc.

It’s as simple as that.

Establishing and maintaining strong credit is a career-long affair—and buying your next Bethany Beach, DE home will be a major hallmark in that career. I hope you’ll give me a call to help you reach that goal! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com

We’ve just made it through another extended holiday season. This was one of those where Christmas and New Year’s fall two days after the weekend. For some families who are hosting the celebrations, that can tax their entertainment resources to the max. When it gets to the point where anyone’s best idea is to watch “Die Hard” or “It’s a Wonderful Life” for a second time, you know new thinking is called for.

Even more dire, next year the situation will be compounded. Bethany Beach, DE’s holidays will fall on a Wednesday—for host families, the most extreme holiday predicament. It will call for the utmost entertainment ingenuity. Here is an absolutely original suggestion for next year:

Hold a family Real Estate Word Game competition!

 Since it’s unlikely previous real estate word game competitions have been held in the past, here are some suggestions to spark the creativity that will be necessary by 2019’s year-end:

Real estate riddles—like,

“Why did the real estate agent cross the road?” (Answer: to put up an Open House sign).

 “What do you call a sprinkler system that won’t turn off?” (Answer: A source of constant irrigation)

 “If two antennas on a house for sale get married, what’s the result? (Answer: a brilliant reception)

 “What three letters are the opposite of ‘FSBO?”   (Answer: REO).

“What does ‘REO’ stand for? (Answer: Real Estate Owned)

“What the heck does that mean? (Answer: a bank owns the property)

“Why is that important? (Answer: because the bank probably wants to sell it ASAP!)

Real estate knock knock jokes—like,

Knock knock

Who’s there?

Needle.

Needle who?

Needle little help selling this house!

Knock knock

Who’s there?

Police.

Police who?

Police stop with these real estate jokes!

 ------------------

Needless to say, it’s a good thing that next holiday season is a year off—we’ll all need at least that much time to work on less groan-producing examples. But in the meantime, whenever you need some real estate expertise that’s no joke—call me! Call/Text me Russell Stucki at (302) 228-7871, email me at This email address is being protected from spambots. You need JavaScript enabled to view it., visit more listings at www.beachrealestatemarket.com