If you are looking to buy a home, here are two programs that are available throughout all of Texas. These exciting programs can be extremely helpful and save you money. Contact me or visit their websites to learn more.
1. MY FIRST TEXAS HOME: This is a Taxable Mortgage Program (TMP) Program 79) offering mortgage loans at more competitive, fixed, low-interest annual percentage rates with down payments assistance for first time home buyers.
2. TEXAS MORTGAGE CREDIT CERTIFICATE PROGRAM: Increases a family's disposable income by reducing its federal income tax obligation. The tax credit is valid for the term of the mortgage loan as long as the borrower occupies the property as their primary residence.
If you are getting ready to list your home, there are a few simple things you can do to really amp up the appeal.
1. Paint. This is one of the easiest ways to update the look of your home before you list it. Crisp, neutral colors are always bests. Or, freshen up the paint you have on the walls already. Paint over those scuffs.
2. Tidy the Exterior: This is the first thing buyers see, so it has to pop. Add some nice plants. Sweep the leaves and twigs off of the front porch. Have bright bulbs in the outside lights. It's the little things that make all the difference.
3. Prep the Kitchen. Make sure the kitchen is as updated and uncluttered as possible. If you don't want want to update the appliances, make sure it is clean and smells inviting. Bake bread or cookies before the showing. Or light candles that smell like baking cookies.
4. Clean the Bathroom. Make sure you throughly clean your bathroom. Also pay attention to all those little problems, like a leaky faucet, or stained grout. These are quick fixes that can really help a sell.
5. Amp up the Lighting; Make sure that your house is well lit. Replace any dead bulbs. High efficiency light bulbs are a plus here, as viewers will most likely turn on and leave on, the lights.
6. Clean your floors. Polish or refinish hardwood floors. Mop and wax titles. Vacuum and clean the carpets.
7. Have a pre-sale inspection. The earlier you have a pre-inspection, the sooner you know about all the little areas in the house that need to be fixed before it is sold. This cuts down on delays down the road.
Whether you are in the market to buy a new house this month, or it's part of your long-term future goals, you should keep an eye on your credit score. It's never too late to turn your credit around. Here are some helpful hints to improve your credit score.
1. Always pay on time! It may seem like a little thing to miss a payment, but those add up to harm your credit score. Check to see if your service has an automatic bill pay if you are forgetful.
2. Keep your credit owed within limits. Do not over spend. A good ratio is not having your unsecured credit outstanding above 50% of your annual salary. Keep your credit within limits.
3. Maintain a good mix of good and bad loans
Home loans and business loans are considered good loans. Personal loans and credit are considered bad loans. Investing in a home loan is a good decision.
4. Pay high-interest loans and small loans first. That way, you don't have interest rates building up. Make a payment calendar, so you can keep track of your payment goals.
5. Close unwanted savings accounts. Never abandon an account without closing them. If you have less than a minimum balance, close it, or bank may charge a maintenance fee.
6. Check your credit reports regularly. Make sure you are using a service that does not flag your checking as an official inquiry.
7. Monitor your information and activity, especially if is a joint account. Have a household budget. Keep track of who is spending, and how much.
8. Negotiate if you cannot pay on time. Take action, do not just not pay.
9. Check your credit score at least one time a year.
You can always improve your credit score. Following these pieces of advice are good steps in the journey to excellent credit.
Moving is always a stressful time in a household. With so many things to clean, organize and pack, having a plan can be one of the most helpful things you do. This little list can go a long way in making your move so much easier.
1. Have a Master plan
Write down all of the steps for your move in a moving journal, or a Google Document. Who are your movers? What is your budget? How many boxes did you buy and what is going to go in them? Having all of this information in one easy, accessible place is key to your moving success.
Take a look at everything in your house. Everything. Is it something you really love? Is it something that you want to carefully wrap, pack, move, unbox, unwrap, and place back in your house? If you say no to any of of those steps, it can be something that you can leave behind. Toss it. Donate it to organizations. Give it to friends or family. There are a lot of different ways to scale down things you don't need.
3. Pack Smart
1. Make sure to buy enough packing tape, boxes, and padding for all of your items
2. Do not pack breakables and sharp or heavy items in the same box. I've seen people pack Pyrex bowls in the same boxes as +heavy, metal tea pots. It did not go well.
3. Make sure you pad all of your breakables well
4. Pack one room at a time. Label all boxes with either colored stickers, tape, or big
5. Make a packing inventory. What went in each box? What box goes in each room? This
inventory would be a good thing for the Master List.
4. Check Your Lists
Make sure you consult your lists often.
5. Think about help
Did you enlist family or friends to help? Did you hire professional movers? Either way, remember that moving isn't something you have to do on your own.
Many sellers feel open houses are one of the most important parts of the process of getting their home exposed to many buyers. As a seasoned agent, I have had the good, the bad and the ugly experiences of Open Houses. There are several different types of people that attend open houses. One attendee would be the one that is serious, have their pre-approval letter completed and knows what type of mortgage is best for their situation and have an understanding of the buying process. This is the type of attendee that sellers hope to see coming through their homes. One that is serious and ready to buy.