Category Archives: Interest Rates

How To Attract Affluent Home Buyers…

Interesting information on the image from what Buyers are looking for and would sacrifice! Read more from my March Newsletter here: http://buff.ly/1DJDUoPScreen Shot 2015-03-02 at 7.09.34 AM

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Tax Protest Time Coming To An End…

Don’t miss this chance to reduce your tax bill. Many local counties are offering on-line protests which will save you so much time. Make sure you take a moment to look into this before heading down to your local tax office.

Did the appraised value of your property go up? Do you think that value is unfair? If you answered yes to those questions, it’s time to file a protest with your central appraisal district. And don’t delay—protests in many Texas counties are due May 31.

If you have any questions or need assistance, please shoot us a message here and we will be glad to assist you.

The Texas Comptroller of Public Accounts has posted a “Property Taxpayer Remedies” PDF that covers the basics.

The process includes:

Filing a protest with your appraisal district within the designated time period.

Attending an informal hearing to see if your differences can be quickly resolved.

Appearing before an appraisal review board, if your protest is not resolved at the informal hearing.

You’ll need to provide evidence to support your challenge of the appraised value, so give us a call if we can help you out.

For more information about protesting your appraised value, visit the website of the Texas Comptroller of Public Acccounts.

http://www.window.state.tx.us/taxinfo/proptax/protests.htmlUnknown

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The Benefits of Credit Repair

The Benefits of Credit Repair

Why should you Consider Credit Repair? Discover the Basic Reasons!

Do you look at your credit report and think about nothing but credit repair? If yes, then perhaps it’s high time to get your credit repair process started. Anyone with poor credit scores will definitely know what a low credit score can cost you. Wonder how severe the consequences are?

Well, high interest rates can seriously damage your finances, period. Imagine the payments you would have to make if your interest rate increases from 5% to 15%. All in all, your poor credit score can make you pay thousands of dollars additionally per year. This is the primary reason why it is critical to look at your credit report and repair your credit score. After all, it will not only lower your interest rate, but will also help you get loans.

Credit Repair – Is it Really Helpful?

When it comes to credit scores, a single mistake can cause you serious trouble. A recent research suggests that almost 79 percent of all Americans have some type of inaccuracy, miscalculations, and negative accounts in their credit reports. A majority of these errors can hurt their credit scores badly. In these situations, credit repair is the ultimate option they can get to bring their finances back on track. The process of credit repairing is used to identify mistakes, correct the relevant information, remove negative reporting and monitor the creditors to ensure that your credit report is as accurate as possible and corrected accordingly.

Better Insurance Policies

The policies most insurance companies offer are based on the clients’ credit reports. For instance, you will not get a reasonably priced insurance policy if your report suggests that you are late with paying other accounts. Thus, credit repair can clean up your credit rating and help you get substantial savings over the duration of your policy.

Better Job Options

Nowadays, many employers check an applicant’s credit history as an essential step of the employment screening process. Wonder why? Well, credit reports usually disclose what resumes may never tell. Employers check credit reports to determine if an applicant has unpaid child or spouse support, has a verdict against him or her, or pays bills promptly. In instances like these, you can get a fresh start by opting for credit repair.

Better Loan or Mortgage Facilities

A low credit score can have a negative impact on your ability to get different loans. You may not get the desired loan amount or may have to make greater interest payments on the lifetime of your loans. If lenders find a poor credit score on your report, they can lower your credit limit, thus making the loan even more expensive for you. If dealerships turn you down for loans or offer very high interest rates, you have to consider going for credit repair. This will increase your chances to get your desired vehicle or own your dream home.

Since credit scores and credit reports can affect you and your loved ones in a number of ways, it is important to keep your credit score in superb condition. Credit repair doesn’t only benefit individuals with a low credit score, but can do wonders for people with average credit by getting negative items off of the reports, disputing late payment information and correcting any inaccuracies on your report.

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WORST TIME OF THE YEAR MAY BE THE BEST FOR BUYERS

The holiday season and the following “worst weather” months are widely considered the worst time of the year for selling or buying real estate. In reality, these distraction-packed months – November to February – carry benefits for determined buyers.

  • Join the “herd” of buyers who are active during traditional “good weather” home shopping months – starting with the spring frenzy of home buying – and this competition for properties can mean buyers pay more, lose out on good-value listings, and receive less attention from swamped real estate and mortgage professionals.
  • Get outside the traditional “box” of right times to buy and you’ll deal with sellers who are very committed to selling, real estate and mortgage professionals able to give you their full attention, and less competition for good-value listings. This lack of competition should mean you get more for your money with less hassle, more personalized service from real estate and mortgage professionals, and time to make confident decisions.

Yes, tradition may dictate that you put your dreams and your life on hold to spend and eat too much over the holiday season, and then cut corners when bills come in during the winter. However, “we’ve always done it that way” tradition does not mean we’ve ever done itthe right way. What priority do you give your real estate goals and dreams? Is it time for you to break from the buyer “herd” and make sure you receive the best buying opportunity possible?

The key advantage of shopping for a home during “the worst times” is that sellers who have listed their property during these periods are serious, often very serious, about selling. Motivated sellers understand why they benefit from taking offers to purchase seriously and take the time to explore how they may be able to work with the buyers. As we’ve discussed before, it’s about a lot more than purchase price. For instance, offering to match the seller’s perfect closing date can carry considerable value for the seller just as not asking for a huge shopping list of inclusions means savings for sellers.

There’s a practical side, too. Viewing property at “the worst time” can tell you a lot about what you can really expect from a property:

  • Visit a house during a hard rain and you’ll see how well the eavestrough system does its job. No overflowing gutters, waterfalls at corners, or soaked exterior walls. There should not be exterior water damage or water in the basement (at least from that source). Observe how the rain water flows off the land. Does it collect around the house or move to the street?  Pooling may indicate a potential basement problem. The longer water problems from poor maintenance continue, the greater the cost of repairing the damage. Paint may camouflage the trouble, but the problem will persist.
  • Drive by houses after a fresh snowfall and you’ll discover which are well insulated (snow on roof) and which are losing heat (melted snow).
  • Tour a house on a very windy day and drafts, insufficient insulation, and poorly-sealed windows and doors will be revealed.
  • Spend time in a house on a cold day and study how well the furnace heats the wholehouse. When a furnace is replaced, the duct work is not always adapted. Is it noticeably colder in the back rooms? How’s the second floor and the bathrooms?
  • During the holiday season when parties and cooking are popular pastimes tour condominium units and you’ll see how far noise and smells travel in the building and into the suite or townhome you’re considering.
  • Ask an experienced real estate professional for their “best things” about “worst times”.

Are you ready to turn “the worst times for home buying” into the best time for your successful real estate transaction?

Onward & Upward – the directions that really matter!

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3 ways homesellers scare off buyers!

You would think that people who want to sell their home would steer clear of anything that repels buyers. Yet, sellers unintentionally turn off buyers with all kinds of simple mistakes. Here are some of the biggies.

Mistake #1 – Price your home high to see if you get any bites

Wouldn’t it be great if you asked for $100,000 more than your home is worth and somebody bought it? Sure … so would winning the lottery.

Even if you get an offer at an inflated price, financing problems may pop up. (Lenders don’t like to provide loans for more than what an appraiser thinks a home is worth.)

And if you consider a high asking price a great negotiating tactic, think again. Most buyers will consider you unreasonable and won’t make an offer at all.

Mistake #2 – Neglect the little things

You’re busy. But if you don’t take the the time to keep your home tidy, make minor repairs, and freshen up the landscaping, you will lose some buyers who otherwise might have been interested. Taking care of small details – or not – also can make a difference in how much a buyer offers you.

Mistake #3 – Hover when buyers view your home

Of course buyers want to know the best features of your home and get answers to their questions. But it’s a rare buyer who feels comfortable viewing a property with the current owners looking over their shoulder.

There are many other ways to give off a bad impression of your home. Fortunately, Texas REALTORS® have seen them all and can give you advice to make sure your property attracts buyers.

Source:

Marty Kramer | Consumer columnist

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Single-Family Starts Save the Day

single-family-starts-and-permits

Housing starts rose 0.9% in August pushed by a solid 7% increase in single-family starts and tempered by an 11% fall in multifamily starts. The single-family increase was broad; all four census regions showed increases ranging from 17.5% in the West to 2.3% in the South. Monthly multifamily starts have saw-toothed up and down for several months with four up months and four down months in 2013.

Housing permits demonstrated the same signal with single-family permits up 3% nationally and up or unchanged in every region. August single-family permits at 627,000 are the highest since May 2008. Similar to starts, multifamily permits were down 15.7% to an annual level of 291,000. The three month moving average, a more stable measure of multifamily, has remained above 300,000 since the middle of last year.

The solid single-family report provides additional evidence of the slow but steady improvement in single-family owner-occupied construction that begin in earnest in early 2012. The seasonally-adjusted construction rate increased 36% since January 2012. Even with the steady rise, single-family starts remain at less than half a normal rate of 1.4 to 1.5 million per year. The broad increase across four regions in permits and starts is a solid signal that builders do see continued improvement. NAHB is forecasting a 17% increase in single-family construction in 2013 over 2012 and a more robust 31% increase in 2014.

Source:  Eye On Housing

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