Permian Basin - The Texas First Time Home Buyers Down Payment Assistance Program
THIS WILL ONLY WORK AS AN FHA LOAN Minimum Credit Score is 620 and loan must be Approve/Eligible This is not a quick turnaround loan you can expect 30 to 45 day to close this (TDHCA (The Texas Department of Housing and Community Affairs) has to prepare the Documents for the 2nd lien and they want an Approved underwritten loan and 10 days to prepare their portion of the loan) There is $5 million dollars in this fund and it is reserved on a first come first serve basis The 2nd Lien is provided by TDHCA. This is a 90 day 0% interest loan. After 90 days the loan will become a 2 year note with 10% interest. (it is strongly recommended that the borrower be prepared to file an amendment right after closing) (I have the forms required to file) This is a NON-FORGIVABLE LOAN IT MUST BE PAID BACK. There is a 8-10 week turnaround time for the refund from the IRS Borrowers have to qualify with worse case scenario meaning we have to count the 2nd lien as a liability This can be a 15 year or 30 year loan The borrower can borrower 5% of the total loan amount (this does include the UFMIP) up to $7,000.00 to assist with DP, CC and PP Home Buyers Education is required The same Income Limits apply to qualify for this loan ~ $75,000 for singles and $150,000 for married couples ALL BORROWERS (including non-occupying borrowers) must be FTHB's *NOTE: THE IRS DOES NOT REQUIRE ALL BORROWERS TO BE FTHB's TO QUALIFY FOR THE $8,000.00 REFUND (AKA KIDDIE CONDO) BUT TDHCA IS REQUIRING THIS The only cash back the borrowers can get back at closing is Ernest Money and items POC This Product can be used in conjunction with the Mortgage Credit Certificate Program (MCC) from Plains Capital Mortgage Call for details this is an awesome product for the customer Can be used for SFR, Townhomes, and Condo (no mobile homes) There is a $250 Admin Fee required once the loan has been approved. The check is to made out to TDHCA either by Cashiers Check or Money Order And remember The customers keeps the difference once they request there Tax Credit. Meaning if they only use $3,500.00 of their total Tax Credit they only pay back $3,500.00
FYI: For More Info click on link
http://www.joegarciatoday.com/atj/user/AdditionalGetAction.do?pageId=180067
Permian Basin - Andrews, Tx New Construction
WOW $86.81 a Sq Ft for New Construction. You have to check this one out. It is a nice home, Open floor plan ready for your special touches. 3 Bedrooms - 2 Bath - 1 Living Area - 1554 Sq Ft - 2 Car Garage - All Electric - Utility Closet - Dining Area - Breakfast Bar - If you want new construction without breaking your budget,
Then you have to look at this one! Fence will be included at this price!
Permian Basin - New Construction Andrews, Tx
3 Bedroom - 2 Bath - 2 Car Garage - 1 Living Area - Dining Area - Breakfast Bar -Open Kitchen - All Electric Fence included in Price. This home is almost completed ready for you to call it HOME! 1372 Sq Ft per Builders Plans. You will not find new constuction for this price $91.04 a sq ft in Andrews. If you want a new home and still be able to upgrade it later as your budget allows
and know that you will not lose you investment. Then This Is The One !!!
Permian Basin - 27 Sunnygrove Dr $339,999





Great Home Pictures a Must
Moving Tips
In case you don't already have enough on your mind when planning a move, here are a few more thoughts to consider when planning your moving date and choosing a moving company.
First of all, remember that loading up the truck usually is NOT the last thing you have to do in your old home. Often you need to get your charitable donations picked up, junk removed or, at the very least, a cleaning crew into the home so it is left in "broom clean" condition. So be sure to leave a little time between the moving van pulling out and the new homeowner coming in for their final walk-through or passing papers.
Most moving companies offer packing or unpacking services. If this of interest to you, be sure to ask about the time and costs required. Sometimes there are local companies which specialize in selling packing materials or even packing but not moving. Often they are a more affordable option than the movers.
Interstate moves and local moves are very different. Local movers usually charge by the hour. Interstate moves are more regulated and cost is determined by weight rather than by hour. Some local companies will not do out-of-state moves or they will contract the work out. The local companies I work with will still use their own crew if the move is within 400 miles but that distance will vary from company to company. Remember: if you're traveling cross-country, you will most likely not have the same moving crew on the other end of the trip. Local companies will contract this work out and you have NO control over who will be unpacking you on the other end. To ensure the same standard of service on both ends of the move, you may want to consider hiring a national moving company so you know the moving crew on both ends of the trip will have had similar training.
Prices also vary depending on when you move. A move on the first day or last day of the month will sometimes cost more than dates in the middle of the month. Many moving companies have "seasonal" rates. Their busiest time of year usually corresponds with the beginning or end of the school year. Weekdays also are often cheaper than weekends. If you have some flexibility with your moving date, ask your mover if one date would be cheaper than another.
Moving companies should be willing to provide you a complimentary in-home estimate. If they're not, look elsewhere. Get estimates from multiple moving companies. If you like one company more than the other but not their rates, ask them if they are willing to work with you. Ask for references. Make sure they are bonded and insured. You may also want to ask if their employees have passed CORI checks.
All moving companies are not alike. If you do your due diligence though you should be very satisfied with the service your receive.
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Lori Salzman is the owner of Room To Improve, one of Boston's few full-service home transitional companies.
My Contract of Attitude - Permian Basin
Contract
Of
Attitude
I Joe Garcia agree that each day when I wake that I can Choose My Attitude.
I can choose to be angry, disinterested, bitter, sad, or frustrated about life. Instead,
I Joe Garcia, choose to have an attitude that is caring, energetic, important, supportive, creative, and overall smiling about life.
I know that:
There is always a Choice about the way I do my work, even if there is not a
choice about the work itself. (Fish Book)
I CHOOSE to make today a great day!
I Choose to PLAY; be serious about my work without taking myself too seriously at work.
I Choose to BE PRESENT; not to let distractions destroy the quality which is present in each of life's moments.
I Choose to find someone who needs a helping hand, a word of support, or a good ear - and
MAKE THEIR DAY!!!!
Smiling,
Joe Garcia
Permian Basin - Free Service For Home Buyers!
Use A Free Listing Update Service Whether you are buying or selling, a listing update service will help you to keep your eye on your local market. This is a service that most Realtors can provide to you and normally it is a free service. How it works:
- Set up your Home Profile: create a profile including specific details such as # of bedrooms, lot size, price range, desired cities/towns etc...
- Receive your initial list of homes: Receive an e-mail with all current listings that match your profile , (TIP: The more specific the profile the fewer homes you will have to weed through, you can always widen the search later)
- Receive update e-mail every day: each morning as you log on to your e-mail account you will have one e-mail alerting you to any new listings or any changes to listings that have already appeared on your list.
Benefits:
- Stay ahead of the competition: Learn about listings as they come on giving you a chance to get in before others looking for the same type of listing
- Only look at current listings: Most of the large listing sites rely on the agents to post their listings and mark them as sold once they are no longer on the market. The Realtor's service is drawn directly from the MLS and assures you that you are getting all current listings and none that have already been put under agreement or sold.
- Request Showings: Stop chasing open house signs and simply hit the request showing button on any property of interest. This will allow the Realtor to set up a private showing at a time that fits your schedule.
Even in a slow market if a property comes on that is priced properly and has desirable features and location, you can miss out by finding it too late. If you are interested in properties in Massachusetts you can set your profile at MY FREE LISTING UPDATE SERVICE Otherwise, find a local Realtor that has the ability to provide this service and start looking at relevant properties that are still for sale.
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