General Info

The document titled Frequently Asked Questions: FICO Scores provides general information about how FICO scores are computed, the impact of shopping for credit on a FICO score, how long negative information remains on a credit report, and how various adverse credit events affect a FICO score. The chart on the Impact of Adverse Credit Events on the Ability of Consumers to Purchase Another Home sets forth the rules for requalifying for a mortgage after a short sale, a deed-in-lieu of foreclosure, a foreclosure, and a bankruptcy under FHA, Fannie, and Freddie rules. Welcome to North Bay Association of REALTORS website. North Bay Association of REALTORS ( North Bay AOR ) is a 3000+ member, three county trade association with members in Sonoma County, Napa County, Lake County, and the 101 corridor in Mendocino County. If you are a member of the public and you are thinking about buying or selling a home, use the below link to locate a REALTOR in your area. You will also find useful information regarding the North Bay on this website. Are you curious to know why REALTORS are so much different than ordinary real estate licensees? To learn more about REALTORS, click on the link below. Learn more about REALTORS If you are a member of North Bay Association of REALTORS, you will find up to date information regarding membership, education, government affairs, professional standards and other industry specific tools.