If you have questions we have answers! Browse our Blog Categories for topics that fit your needs. Whether you are new to town, buying, selling or just need some ideas on home improvement. Look here for the latest hot topics in East Texas!
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These days, it seems like everyone’s looking for ways to cut costs and stretch their income further. Fortunately, there are some simple steps you can take to reduce your household expenses without making radical changes to your standard of living. When combined, these small adjustments can add up to significant savings each month.
Here are 20 things you can start doing today to lower your bills, secure better deals, and begin working toward your financial goals.
Want more help getting a handle on your finances? Use the budget worksheet below to track income and expenses—and start working towards your financial goals today! Please reach out to me for a downloadable version.
HOUSEHOLD BUDGET WORKSHEET
Gas, maintenance, repairs
Clothing and personal care
WE’RE HERE TO HELP
We would love to help you meet your financial goals. Whether you want to refinance your mortgage, save up for a down payment, or simply find lower-cost alternatives for home repairs, maintenance, or utilities, we are happy to provide our insights and referrals. And if you have plans to buy or sell a home this year, we can discuss the steps you should be taking to financially prepare. Contact us today to schedule a free consultation!
The above references an opinion and is for informational purposes only. It is not intended to be financial advice. Consult a financial professional for advice regarding your individual needs.
1. Insurance Information Institute -
2. Department of Energy -
3. Money Crashers -
4. Harvard University -
Often times people doubt if they want to buy because they are afraid they may not live in that location for very long. Did you know in East Texas the average rent per month is $1,100. If you lease for two years at $1,100 you are loosing $26,400. That is $26,400 that could be applied to a home of your own in return building your own equity.
There are many people who believe that they have to have 20% down in order to purchase a home. Over the past decade the government has made many improvements to government insured loans. The average home buyer is able to put down as little as 3.5% on FHA insured loans! Conventional is now at 5% down and USDA is up to 100% financing with no down payment. It has never been easier to own your home with little to nothing down and rates are lower then they have been in years. There are also government assistant programs also such as SETH, http://sethfc.com/option-1/
Go the Texas Department of Housing and Community Affairs website to see what you may be eligable for
Being responsible for your own home may be a little scary. Luckily when you purchase a home you should have the help and guidance of your very own realtor. The realtor can help you get in contact with an inspector who will inspect your home during a option period. If the home has to many repairs you may choose to back out of the contract or negotiate for the seller to repair the item. One of the benefits of having a realtor help you with the process is the guidance and advice they can give you. Though a realtor is not an attorney they are professionals in this field and can help. Your realtor will usually help negotiate a home warranty for one year one your new home. This can help you with the cost of any repair you may incur. There are several companies to choose from. Ask your realtor which companies they recommend.
Buying a home has never been easier! Get in contact today with your local realtor and find out what steps you can take to get started.
"Let's Get Moving!"
Curious about local real estate? So are we! Every month we review trends in our real estate market and consider the number of homes on the market in each price tier, the amount of time particular homes have been listed for sale, specific neighborhood trends, the median price and square footage of each home sold and so much more. We’d love to invite you to do the same!
You can sign up here to receive your own market report, delivered as often as you like! It contains current information on pending, active and just sold properties so you can see actual homes in your neighborhood. You can review your area on a larger scale, as well, by refining your search to include properties across the city or county. As you notice price and size trends, please contact us for clarification or to have any questions answered.
We can definitely fill you in on details that are not listed on the report and help you determine the best home for you. If you are wondering if now is the time to sell, please try out our INSTANT home value tool. You’ll get an estimate on the value of your property in today’s market. Either way, we hope to hear from you soon as you get to know our neighborhoods and local real estate market better.