Wednesday, September 8, 2010
What is YOUR home worth?? If you live in The Woodlands/Spring/Houston area, email us at firstname.lastname@example.org and we'll give you a report -- for FREE!!
Friday, August 20, 2010
Friday, July 30, 2010
Mortgage rates hit low of 4.54 percent. Average rate for 30-year mortgage hit record low, but better rates exist for stellar borrowers
NEW YORK (AP) -- Mortgage rates are the most affordable in decades for those who can qualify for a loan.
For many, the opportunity to buy a home or refinance at this time is lost because of the tough economy and tight credit standards. But those who have secure jobs, superior credit and strong finances could do even better than the 4.54 average rate that Freddie Mac reported Thursday, according to experts.
The latest rate is the lowest for a 30-year fixed loan since Freddie began tracking rates in 1971. It also marks the fifth time in six weeks that the mortgage company has reported hitting a new average low.
Still, it's possible to get an even lower rate if a borrower contributes more than 20 percent to the downpayment or has impeccable credit.
"Scores matter," said Ritch Workman, co-owner of Workman Mortgage in Melbourne, Fla. He can offer a rate of 3.375 percent on a $200,000 Freddie Mac loan. The caveat: The borrower must put down 20 percent, have a credit score of 800 and pay $1,400 in add-on fees. ......
Sometimes the best rates are offered by community banks or credit unions. They keep mortgages on their books instead of selling them to investors, said Greg McBride, a senior financial analyst at Bankrate.com. Other times, bigger banks or smaller mortgage bankers have the best deals.
Keep in mind that rates fluctuate significantly, even within a day, like airfares on a travel site. And the key to finding the best rate is to shop around online and in person.
Either way, borrowers are getting good deals. The last time home loan rates were lower was during the 1950s, when most mortgages lasted just 20 or 25 years.
The rate on 15-year fixed loans, a popular choice for refinancing, also are the lowest on records dating back to 1991. That rate fell to 4 percent from 4.03 percent last week.
It's true! It really IS in your best interest to buy a home now!!
Friday, June 18, 2010
Wednesday, June 16, 2010
might have seemed like a big mistake for some buyers,
but waiting might have been the smartest thing to do!
At April's average rate of 5.34%, a home buyer would have locked in a 30-year fixed rate loan with a monthly payment of $1,561.82. The same borrower could have snagged a 30-year fixed rate loan at a rate of 4.625% in May, and paid $1,439.59 per month. That's a $1,467 annual savings. Over 30 years, it's a $44,003 savings, dwarfing the tax credit!
Because Mortgage Rates might not be low for long!
If you're in the market to buy or sell your home,
please contact us TODAY
while interest rates are still in your favor!
Thursday, April 15, 2010
The Woodlands Township collects an ad valorem property tax to provide important community services to cover public safety, fire protection, environmental services, parks, pathways, pools, covenant administration, etc. The former Community Associations of The Woodlands for many years collected "assessment fees" which were not tax deductable. Now that the Community Associations of The Woodlands and the former Town Center Improvement District have created The Woodlands Township (in hopes of becoming a city in a few years), assessments have been replaced with an ad valorem property tax. And guess what .... take a look at the chart .... taxes have gone steadily D-O-w-n!
Wednesday, April 7, 2010
Sunday, April 4, 2010
Thursday, April 1, 2010
FLOOR PLAN - Some designs sell better than others. Currently, more “open” designs, studies, no formal living rooms, and master bedrooms downstairs are popular.
FEATURES - Certain features are preferred. The number and size of bedrooms and closets are important items. Extra space in the garage can make a difference. Sometimes the updating of a kitchen or bathroom can be the deciding factor.
CLEANLINESS and CONDITION - “Move in” condition sells! Most buyers don’t want to clean up or fix up a home after they buy it. Properties that are clean and well maintained ALWAYS sell quicker and for more money than others, including those offering a decorating or carpet “allowance.”
Sunday, February 28, 2010
Tuesday, February 23, 2010
Tuesday, February 9, 2010
Monday, February 8, 2010
Sunday, December 13, 2009
Thursday, November 19, 2009
Deadline: A sales contract must be in place by April 30, 2010 - but homeowners have an additional 60 days to close.
Dollar Amount and Eligibility: Up to $8,000 for "first-time" home buyers (those who have not owned a home for 3 years prior to the purchase)
Up to $6,500 for current homeowners who have lived in their current residence for 5 consecutive years and are purchasing their next property.
Income Cap: $125,000 (individual), $225,000 (married couples). Increases in the cap make the measure available to a broader group of clients.
Purchase Price: $800,000 or less
Repayment Requirement: Must live in the home for 3 years, or be required to repay the credit.
Documentation Required: Taxpayers must submit a copy of the HUD-1 settlement statement and IRS Form 5405 to claim either the first-time home buyer tax credit of the repeat home buyer tax credit.
Who qualifies: Persons who are claimed as dependents by a taxpayer or who are under age 18 do not qualify. Home purchases from relatives of the taxpayer or the taxpayer's spouse do not qualify. Married couples are not eligible to claim the first-time home buyer tax credit if either spouse has previously owned a home. They may, however, qualify for the repeat home buyer tax credit.
Note: there are special benefits for military personnel, members of the Foreign Service and the intelligence community.
Thinking of buying a home? What on earth are you waiting for??? Give us a call (713-857-5080) -- we're here to help you!!
Sunday, October 4, 2009
1 cup shredded cheddar cheese
1 cup sour cream
1 can cream of celery soup
1/2 cup chopped onions
1 stack club crackers, crumbled
1 stick butter, melted
Wednesday, September 16, 2009
Wednesday, September 9, 2009
For more information, please visit http://www.thewoodlandstownship-tx.gov
Friday, August 28, 2009
Effective September 1st, Texas has some new laws! Here are just a few for drivers:
(1) ALL occupants of a passenger vehicle (designed to carry 15 or fewer passengers), no matter their age or where they are seated, are to be secured by a safety belt.
(2) Any child younger than 8 years of age (unless taller than 4 feet, 9 inches) must be restrained in an approved child passenger safety seat.
(3) Where posted, it is illegal to use a wireless communication device in a school zone unless the vehicle is stopped or a hands-free device is used.
There are many changes that affect motorcycles, driving, driver licenses, concealed handguns, etc. For more information and details, please go to http://www.txdps.state.tx.us/
Unfortunately, we might wish that ignorance is bliss, but tis NOT folly to be wise!!
Friday, August 14, 2009
Wednesday, August 12, 2009
Just click onto the link below (the information is almost shorter than the link!!), and tap the sidebar arrow to scroll down. Quick and easy! Then give us a call (281-467-8827). We've already saved money for several clients this year, and we can do it for you!!
Tuesday, August 4, 2009
How will this affect your taxes?
Friday, July 31, 2009
Friday, July 24, 2009
These birds have a pretty whistle with short pauses. Usually one set has something that sounds like "peanut-butter." And their call is a clicking "pit-i-tuck." Personally, it's a lot easier to identify these birds by their appearance on a birdbath than by listening for "peanut-butter" in the treetops, but often that's the only way you would know that they're around!
Sunday, July 19, 2009
Monday, July 13, 2009
So when you go by a fire station, stop by and thank them for their service.
but they save you money!!
Thursday, July 9, 2009
For the record, we ordered two appetizers ("Crispy Twin Rolls and "Sa-Te Chicken"). The (egg)rolls were very fresh. The chicken was dry - we would suggest something else. But our main entrees themselves were delightful -- three dishes that combined well on our plates: the chicken with peanut sauce, the garlic fish fillet, and the seafood "Double Pleasure."
Would we go there again? Absolutely! Would Mike go there again? You bet! Give it a try and report back!!
Friday, July 3, 2009
When you are planning to sell your house, it's important that the buyers be able to "see" your home as their home. How can you do this? First of all, you need to ....
Clean out closets, pick up clutter, hide those treasured family photos too. Why? Besides making the home feel more spacious, it's easier for buyers to envision themselves and their own family photos in the house.
- Pack away special collections usually displayed in cabinets and hutches, and move a few pieces of furniture into storage. This will help buyers to better see where their own furniture might go.
- Keep the house clean every minute it's on the market. This takes great effort, but the buyer may need to see your home within 20 minutes, and you'll be ready!
- You like your house to "say something" about your personality. Well, it's time to tone it down! Buy some neutral paint to cover those red or lime-green walls. All buyers are comfortable with neutral colors.
- Does the buyer remember your home or your decorations? If you've got an Italian fresco on a living room wall that stops people in their tracks, they may lose sight of the rest of the home's wonderful features.
Remember, by "paring down" and organizing, you're ensuring that your home will appeal to the greatest number of potential buyers, and you'll be ahead of the game when it comes to packing up and moving out!
Ask us, your Realtors, if the house looks cluttered or if any colors are too bright.
We know what detracts a buyer. We've sold a lot of houses!!