Bedford NY Real Estate | Robert Paul Talks Life in Bedford NY

Freddie Mac ( OTCQB : FMCC ) today released the results of its Primary Mortgage Market Survey® (PMMS ® ), showing average fixed mortgage increasing slightly heading into the holiday amid mixed housing data on pending home sales and house price gains. News Facts 30-year fixed-rate mortgage (FRM) averaged 4.29 percent with an average 0.7 point for the week ending November 27, 2013 , up from last week when it averaged 4.22 percent. A year ago at this time, the 30-year FRM averaged 3.32 percent. 15-year FRM this week averaged 3.30 percent with an average 0.7 point, up from last week when it averaged 3.27 percent. A year ago at this time, the 15-year FRM averaged 2.64 percent. 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.94 percent this week with an average 0.5 point, down from last week when it averaged 2.95 percent. A year ago, the 5-year ARM averaged 2.72 percent. 1-year Treasury-indexed ARM averaged 2.60 percent this week with an average 0.4 point...

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Furnace check-up or tune-up is much like a visit to the doctor | Pound Ridge Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Sept. home prices up 13.3% from year ago | North Salem Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » As a general rule, leave the leaves | Armonk Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » US Home Values Fall for Second Straight Month in October | Bedford Corners NY Homes

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Housing market gets some upbeat news | Cross River Homes

U.S. borrowers are increasingly missing payments on home equity lines of credit they took out during the housing bubble, a trend that could deal another blow to the country's biggest banks. The loans are a problem now because an increasing number are hitting their 10-year anniversary, at which point borrowers usually must start paying down the principal on the loans as well as the interest they had been paying all along. More than $221 billion of these loans at the largest banks will hit this mark over the next four years, about 40 percent of the home equity lines of credit now outstanding. For a typical consumer, that shift can translate to their monthly payment more than tripling, a particular burden for the subprime borrowers that often took out these loans. And payments will rise further when the Federal Reserve starts to hike rates, because the loans usually carry floating interest rates. The number of borrowers missing payments around the 10-year point can double in t...

Regional Spotlight—October marked the 23rd consecutive month where Miami’s home prices appreciated compared to year-ago figures, according to a new report from the 30,000-member MIAMI Association of REALTORS® and the local Multiple Listing Service (MLS) system. The median sales price for a Miami home in October was $220,000, a significant increase of 18.9 percent when compared to $185,000 during the same period last year. Moreover, median condo prices also showed double-digit appreciation. The median sales price for a Miami condo was $170,000, an increase of 17.2 percent from the year-ago median price of $145,000. “The 23 consecutive months of appreciation of Miami home and condo prices is a remarkable sign of the vitality and strength of South Florida’s real estate market,” said 2013 Chairman of the Board of the MIAMI Association of REALTORS® Natascha Tello. “Rising home and condo values is a reflection of increased demand from international buyers from around the world, creating a...

Permits to build new U.S. homes climbed 6.2% in October to the highest level in more than five years, mainly because of a big increase in applications to construct apartments and other multi-family dwellings. Bloomberg Homes under construction stand at the Gale Ranch housing development by Shapell Homes in San Ramon, California. The number of permits issued last month rose to an annual rate of 1.03 million from an upwardly revised 974,000 in September, the Commerce Department said Tuesday. Permits are a barometer of future demand for new housing, though not all applications lead to immediate construction Applications for buildings of five units or more, a volatile sector that often seesaws, shot up 17%, with virtually all of the demand in the South and West. Yet applications for single-family homes, — the bread and butter of the housing market — rose less than 1% compared to the prior month. Investors traded up shares of the country’s three largest home builders Tuesday, ...

A significantly smaller percentage of purchase mortgage applications have been approved since the height of the home buying season last July despite lending industry claims that lending standards have loosened. Time to close and median FICO scores are only marginally improved. In the third quarter survey of senior loan officers by the Federal Reserve, more than a quarter of the large banks in the report-who are anonymous– said they have somewhat eased the credit standards on residential mortgages over the past three months. “Lenders are putting more focus on purchase mortgages and are adjusting minimum requirements to attract borrowers,” says Doug Lebda, LendingTree founder and CEO in a news release. “With home values improving, the risk of borrowers defaulting on loans has decreased, giving lenders more confidence to lend with less cash down from qualified borrowers.” However Ellie Mae, whose transaction platform processes about 2 million mortgages a year, released hard data for...

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Pending Sales of U.S. Existing Homes Drop for Fifth Month | North Salem Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » 20 tips to harden your home security for next to nothing | Chappaqua NY Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Faucets at $1,000 Abound as Home Equity Spigot Opens | Cross River Real Estate

North Salem NY Real Estate Report RobReportBlog 2013 6 months ending 11/25 2012 28 Sales 20 up 40% $601,250.00 median sold price $537,000.00 up 12% $200,000.00 low sold price $330,000.00 $14,902,000.00 high sold price $1,662,500.00 3539 average size 3106 $263.00 ave. price per foot $218.00 207 ave days on market 248 $1,179,571.00 average sold price $696,320.00 96.03% ave sold to ask 94.29%

Bedford Corners NY Weekly Real Estate Report   11/25/2013 Homes for sale 39 Median Ask Price $1,465,000.00 Low Price $495,000.00 High Price $12,000,000.00 Average Size 5059 Average Price/foot $467.00 Average DOM 194 Average Ask Price $2,614,154.00

What is a contract? In real estate, it is a large pile of documents that require multiple signatures from multiple parties. Housing contracts are a pretty narrow view of contracts, though. According to Wikipedia and the New Oxford American Dictionary, a contract is “a written or spoken agreement having a lawful object entered into voluntarily by two or more parties, each of whom intends to create one or more legal obligations between them.” This is a pretty good definition, but it is also a little confusing. In a broader sense, a contract binds parties together in mutual obligation. A handshake could be a contract. This used to be, and in some parts of the world still is, the de facto contracting method. Can you imagine buying a house with a handshake? When agreements started to get more involved, they were put to paper and parties signed with a pen and ink. This is a process I am sure you all are familiar with. As the stakes got higher, more security was needed and notarization beca...

Busy agents collect the names and contact information for hundreds of past and prospective customers over the years. When we ask these agents what percentage of the people on their “list” have been contacted in the past 24 months – we frequently get a slightly embarrassed answer that it’s less than half. In many cases it’s less than 20% After months and months go by, it gets even harder to just pick up the phone and say “Hi, remember me?” This is getting more attention now because one of our products for follow-up presents five people out of the agent’s database to call each day. It is visually bright and colorful, so it can’t be easily ignored; and it shows how long it has been since the last time the agent called them. To make the call go easier, we provide tools and dialogue. In this business, trends in the real estate market are always a good ice-breaker – and having some relevant information on home prices, mortgage trends and market data will make up for many months of rad...

A majority of the nation’s largest markets, 52 percent, have now recovered more than half of the equity they lost during the Great Recession, according to the latest Rebound Report from Homes.com. For the fourth consecutive month, all of the 200 midsize local markets measured continued to show gains year over year for the single-family index in October. While the number of top 100 markets achieving a full recovery remained flat from the previous month, there was noticeable improvement in the number of these markets pertaining to overall recovery. Three markets moved out of the 0-25 percent rebound range, and three markets moved up in the 75-100 percent rebound range. Month-over-month increases in index values were seen in 251 of the top 300 markets, down from 253 the previous month. The slight downtrend is likely due to both seasonal trends and the state of recovery for these markets. Of the 49 markets that saw declines last month, 18 have fully recovered their decline in home pric...

Freddie Mac recently released its U.S. Economic and Housing Market Outlook for November showing that the major shift for the coming year will be a transition from a refinance-dominated mortgage market to the first purchase-dominated market the industry has seen since 2000. Expect economic growth in the 2.5 to 3.0 percent range, more than 0.5 percentage points better than is projected for 2013 with the unemployment rate falling below 7 percent, perhaps by mid-2014. Interest rates are expected to rise gradually throughout 2014 with the 30-year fixed-rate mortgage ending the year near 5 percent with affordability still strong in most markets. However, rising rates will hinder affordability in high-priced markets. Projecting housing starts to rise to a 1.15 million pace in 2014, which should help to create around 700,000 new jobs and quicken the pace of economic growth. Gains in home sales will be limited by continuing tight inventory in many markets, but anticipate sales to rise ab...

Norway is moving closer to easing mortgage lending standards as the nation’s deflating property market prompts concern among lawmakers that existing regulations are too tight. Real estate prices, which have doubled over the past decade and touched a record high this year, are now dropping faster than the central bank had predicted. The Conservative-led government, which won power in September, says it’s now looking into raising the amount banks can lend to borrowers to 90 percent of a property’s value, from 85 percent previously, in an effort to support first-time buyers. A New Residential Development in Oslo Norway’s housing market, which Nobel laureate Robert Shiller already in 2012 said was in a bubble, has been inflated by a period of record-low interest rates that fueled a borrowing spree in Scandinavia’s richest nation and left Norwegians more indebted than ever before.   Norway's Prime Minister Erna Solberg said Nov. 8 her government is ready to...

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » House prices: Home truths | South Salem NY Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Chappaqua Homes | Flashes of Industrial Style in a Modern-Rustic Dream Home

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Live a Fairy Tale in a Getaway Castle Tower | Bedford Corners Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Chappaqua Crossing Developer Seeks Vote | The Chappaqua Realtor

An increasing number of economists, politicians and pundits have been sounding the alarm over Canada’s housing market. And while Canada’s financial system has a reputation for conservatism, we’ve been wondering ourselves how a nation of just 35 million can sustain an average home price of nearly CAD392,000 amid anemic economic growth. Of course, homeowners have enjoyed an era of historically low interest rates, which has helped make higher prices more affordable, even if Finance Minister Jim Flaherty has tightened mortgage-lending regulations four times over the past several years. Flaherty’s last change was in July 2012, when he shortened the amortization period on government-backed mortgages to 25 years from 30 years, while lowering the maximum amount homeowners can borrow against their homes to 80 percent from 85 percent. And he’s prepared to intervene again, if necessary. Meanwhile, according to data from the Canadian Real Estate Association, the rise in residential real esta...

Photograph by Ross D. Franklin/AP Photo A housing development sits nestled into the South Mountain foothills in the Ahwatukee neighborhood of Phoenix on Dec. 4, 2012   Mike Imgarten, a 29-year-old civil engineer, encountered a frenzy of demand and a dearth of inventory during a two-month house hunt this spring in Sacramento, Calif. Fearing he’d end up paying too much, he took a break from the search in June. Sales in Sacramento now are off by more than 25 percent from a year ago. While inventory remains tight by historical standards, the supply of homes on the market has almost doubled, says Erin Stumpf, Imgarten’s real estate agent. “Six months ago, if I listed a property under $400,000, I would expect multiple offers within a few days,” she says. “Now, I might get one offer within the first couple weeks.” In California, Arizona, and Nevada, where bidding wars have caused the country’s largest gains in home prices, markets are showing signs of cooling. The surge in p...

In an unpublished inside report this week, a leading real estate firm in Costa Rica has revealed statistical data for the 2013 real estate season boasting positive projections leading in to 2014. Costa Rica Real Estate dot COM (CRREC) has established themselves as the authority in providing reliable market analysis within the real estate sector of this Latin American nation of just over 4.7 million. Once labeled the hottest real estate market on the planet by MSNBC - the fact is, there remains plenty of opportunity throughout the full spectrum of this thriving sector. Fast emerging sub-markets are the beach locations. Areas around Costa Rica's northern province of Guanacaste and down south along what is often referred to as the Southern Zone, are both witnessing influxes of foreign investment. The Dominical real estate market is a developing area of the country where the lush landscape cascades to the coast and makes for some spectacular vistas across the blue waters...

Source: IMDb This time around, Howie Mandel chose to say “deal.” The host of “Deal or No Deal” recently sold his Malibu home for $7.75 million. According to real estate agent Mike Gardner of Malibu Real Estate , Mandel learned quite a bit about brokering deals from his time on the show. “Howie knew what price he wanted, held out for it, and got it … even if it took over two years,” Gardner wrote in a blog post . In fact, Mandel was so confident about his Point Dume-area home, he raised the price by $500,000 in January — after 15 months on the market. Located at 6950 Dume Dr, Malibu, CA 90265 , the home was designed by architect Douglas Burdge to resemble a Nantucket-style estate with large windows and an indoor-outdoor living flow, all with incredible views of Santa Monica Bay. Inside, the 5-bedroom, 5.5-bath home is host to a number of details including hand-scraped wood floors, open beams and custom molding. The grounds include a large pool, grassy expanse and separate 1-...

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Most Popular Manhattan Rental Listings Of The Last Week | Waccabuc Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » A Shingle-Style Remodel | North Salem Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Monetize Your Social Media Campaigns With These Tech Tools | Mt Kisco Realtor

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Existing Home Sales Tumble | Pound Ridge NY Homes

Florida's housing market continued its upswing in October 2013, with more closed sales, higher median prices, more new listings and a stabilizing supply of homes for sale, according to the latest housing data released by Florida Realtors®. "Florida's economy continues to improve, and that's good news for the housing market," said 2013 Florida Realtors President Dean Asher, broker-owner with Don Asher & Associates Inc. in Orlando. "October marks 23 months in a row that statewide median sales prices rose year-over-year for both single-family homes and for townhouse-condo properties. Last month, the median days on market (the midpoint of the number of days it took for a property to sell) was 46 days for single-family homes and 48 days for townhouses and condos. That means 50 percent of homes on the market in Florida sell in less than two months. "On average, sellers received about 94 percent of their asking price in October. Interested home sell...

South Florida home prices increased in October, but the region's housing market is losing some of its sizzle, real estate agents say. "There's momentum, but not the intensity you had in the first half of the year," said Mike Pappas, president of the Keyes Co. Broward County’s median price for existing homes last month was $270,000, up 28 percent from a year ago, the Greater Fort Lauderdale Realtors said Wednesday. There were 1,214 sales, a 2 percent jump from October 2012. http://articles.sun-sentinel.com/2013-11-20/business/sfl-october-home-prices-link-20131120_1_greater-fort-lauderdale-realtors-local-realtor-board-bob-melzer

The National Association of Realtors reported that home re-sales fell 3.2 percent last month from September to a seasonally adjusted annual pace of 5.12 million. That's down from a 5.29 million pace in September and the slowest since June. A healthy pace is around 5.5 million. Sales of single family homes declined 4.1 percent, while condominium sales rose 3.3 percent. The median sales price of an existing home was $199,500 in October, up 12.8 percent from a year earlier and the 11th straight month of double-digit annual increases. The 16-day partial government shutdown pinched home sales last month by creating uncertainty about the economy and slowing loan approvals: 13 percent of real-estate agents reported that transactions had been delayed. "The uncertainty created by the government shutdown and debt ceiling battle in October left Americans more worried about the economy than they have been all year," Ellen Haberle, economist at online real estate-broker Redfin,...

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » 10 Affordable Big Cities for Renters | Mount Kisco Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Home sales in October weaken more than forecast | North Salem Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Purchase Loans Fell 19.8 Percent in Q3 | Armonk Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » JPMorgan settlement gives glimpse into mortgage machine | Bedford Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » 30-Year Fixed Mortgage Rates Plummet 16 Basis Points | Chappaqua Real Estate

Economist's View: Fed Watch: Desperate to Taper

The Related Companies’ unusual decision to collaborate with outside marketing pros at Corcoran Sunshine to sell the residential units at its mammoth Hudson Yards project will be a boon for the new development marketing sector, industry experts told The Real Deal , since it signals a reversal of a recent trend towards marketing big-ticket projects internally. Related announced the partnership earlier this week, surprising some in the real estate community, since the giant developer has historically handled sales in-house. Going forward, Corcoran Sunshine, the new development marketing wing of the Corcoran Group, will handle about $5 billion worth of projects in Related’s New York City pipeline, including the Zaha Hadid-designed 520 West 28th Street condominiums. Though brokerage executives could be forgiven for quaking at a competitor landing such a plum assignment, industry pros insisted that the news was positive for the sector overall. “It shows that this short wave of develop...

The National Association of Homebuilders sentiment gauge has been stuck in neutral for the past four months and the latest number came in flat a 54 for October. A reading above 50 is said to be positive, and the spin is certainly positive, but what is really going on with the housing market? The flat verdict of 54 was below expectations of 55 and the usual scapegoats are the reasons provided for the miss. “Policy and economic uncertainty is undermining consumer confidence. The fact that builder confidence remains above 50 is an encouraging sign, considering the unresolved debt and federal budget issues cause builders and consumers to remain on the sideline.” So, consumers and builders are postponing their purchases and building because of the US debt ceiling debates, something that has already occurred 80 times over the past 50 years? It's doubtful. This kind of rhetoric provides zero value and is simply meant to give the media something to talk and write about. In ...

The real estate market here had a pleasant fall. More than $237.6 million worth of Pitkin County real estate changed hands in September — the most of any month this year and 2 percent more than the same month last year, according to the latest Land Title Guaranteed Co. market analysis . Likewise, there were 409 total real estate transactions in September — the most of any month this year and a 438 percent improvement over the same month last year, the analysis showed. Most of the sales were intervals. Intervals were up again in September with a flurry of Innsbruck deals. But if the month's 324 interval transactions were removed, the transaction increase from last September would've been 12 percent. A couple notable sales boosted the dollar total for the month. Wildcat Ranch sold for $44 million and Aspen Valley Ranch sold for $27 million. Year to date, real estate dollars total $987,721,443 — a decrease of 2 percent from the same period in 2012. Year to date, transactions tota...

Are you looking for new ways to engage your Facebook fans? Do your current Facebook engagement tactics need a little more oomph? With the addition of Story Bump , getting your fans to engage with updates from your Facebook page has become even more important. Your visibility in the news feed depends on engagement like never before. If your page is experiencing a drop in engagement, using different post types and making a few content adjustments can bump it back up. In this article, you’ll find 26 tips, an A-Z guide, for engaging fans on Facebook . #1: Attract Readers’ Attention to a Point in Your Article Your fans see a lot of content pass through their news feed in a day and a great title isn’t always enough to spark engagement with an article you post to Facebook. When you update your Facebook page to let readers know about your new article, include a statement or question that refers to a specific point from the article to drive more clicks, likes, comments or shares . In...

Bedford NY Weekly Real Estate Report   11/20/2013 Homes for sale 78 Median Ask Price $1,537,500.00 Low Price $415,000.00 High Price $14,500,000.00 Average Size 4701 Average Price/foot $409.00 Average DOM 159 Average Ask Price $2,013,776.00

The Multifamily Production Index (MPI), released recently by the National Association of Home Builders (NAHB), reached 54 in the third quarter, seven points lower than a spike in the second quarter but the seventh consecutive reading above 50. The MPI measures builder and developer sentiment about current conditions in the apartment and condominium market on a scale of 0 to 100. The index and all of its components are scaled so that any number over 50 indicates that more respondents report conditions are improving than report conditions are getting worse. The MPI provides a composite measure of three key elements of the multifamily housing market: construction of low-rent units, market-rate rental units and “for-sale” units, or condominiums. Although all three components fell from 2013 peaks in the second quarter, all remain above 50. The MPI component tracking builder and developer perceptions of market-rate rental properties dipped three points to 64, remaining above 50 for 12 ...

U.S. home resales fell in October to their lowest since June due to an inventory shortage and high property prices that have dampened buying power. The National Association of Realtors said on Wednesday that sales of previously owned homes fell 3.2 percent last month to an annual rate of 5.12 million units. Economists polled by Reuters had expected sales to drop to a 5.13 million unit pace in October. At the same time, the median price rose 12.8 percent in October from a year ago to $199,500. It was the 11th straight month of double-digit gains, and up from last month. October's inventory was 2.13 million existing homes for sale, up just 0.9 percent from the year-earlier period, representing five months' supply at the current pace. The pace of annual sales growth decelerated to 6 percent in October, as tight credit conditions and high borrowing costs are impacting the housing market recovery. Purchases fell in the month in all four regions, with the ...

Home prices will rise in 2014 but at a slower, more steady pace compared with historical trends. The housing recovery has pushed up home prices nearly everywhere. In the past year, home prices rose in 225 of the 276 cities tracked by Clear Capital, a provider of real estate data and analysis. (See how home prices are shifting in 276 metro areas .) Prices nationwide increased by 10.9 percent, pushing the median price for existing homes up by $30,000, to $215,000. For people who have waited to sell their home or refinance their mortgage, that's good news. Rising home prices in Seattle enabled Mike and Kristin Litke to refinance their first mortgage last summer and pay off a second mortgage that had an 8.2 percent interest rate. The Litkes, who bought their three-bedroom, 1.5-bath home for $512,500 in 2007 at the peak of Seattle's housing market, had used the second mortgage to avoid paying private mortgage insurance. In 2010, just as home prices in the area hit a trou...

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Dive Into Rental Listings Across Miami’s History | South Salem NY Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Despite uncertainties, homebuilders remain optimistic | Mount Kisco Real Estate

Bedford New York Real Estate | Bedford NY Homes by Robert Paul Realtor » Blog Archive » Banks willing to finance house flippers who burned them before | North Salem NY Real Estate

JPMorgan Chase & Co. has resolved the last obstacles to a record $13 billion settlement of civil state and U.S. probes over the sale of mortgage bonds, clearing the way for a deal today after months of negotiations, two people briefed on the matter said. The accord includes a previously disclosed $4 billion settlement to end a 2011 Federal Housing Finance Agency lawsuit, said one of the people, who asked not to be identified because the discussions are private. While the deal would mark the largest amount paid by a financial firm in a settlement with the U.S., the Justice Department is still probing JPMorgan’s recruiting practices in Asia, energy trading and its relationship with Ponzi scheme operator Bernard Madoff . The New York-based bank has tapped $8 billion of $28 billion in reserves set aside since 2010 to cover legal costs. “It’s good they’re getting this done, but it’s a fairly narrow band of cases they are settling,” said Jacob Frenkel , a former Securities and ...

WITH "BLACK FRIDAY" AROUND THE CORNER IT IS THAT TIME OF YEAR TO TALK ABOUT HOW "INQUIRIES" IMPACT CREDIT AND WHAT "EXCESSIVE SHOPPING" CAN DO TO CREDIT. Third party credit reviews or "hard inquiries" impact credit scores for 12 months from the date they occur even though they can be seen for 24 months. There are windows of time that a consumer can have multiple third party credit reviews and it will only impact the score as one inquiry. This happens only with mortgage, student loan, and car financing hard inquiries. Each of these categories has its own window where multiple credit reviews are considered as one. All other third party reviews can drop scores 2-5 points each time they occur. When an individual has many hard inquiries or third party reviews it can be considered "excessive shopping" and reduce scores dramatically. In many cases 6 hard inquiries (in total) ...