Tag: ali palacios broker

The Home Buyer’s Guide to Getting Mortgage Ready

The Home Buyer’s Guide to Getting Mortgage Ready

Don’t wait until you’re ready to move to start preparing financially to buy a home.

If you’re like the vast majority of home buyers, you will choose to finance your purchase with a mortgage loan. By preparing in advance, you can avoid the common delays and roadblocks many buyers face when applying for a mortgage.

The requirements to secure a mortgage may seem overwhelming, especially if you’re a first-time buyer. But we’ve outlined three simple steps to get you started on your path to homeownership.

Even if you’re a current homeowner, it’s a good idea to prepare in advance so you don’t encounter any surprises along the way. Lending requirements have become more rigorous in recent years, and changes to your credit history, debt levels, job type and other factors could impact your chances of approval.

It’s never too early to start preparing to buy a home. Follow these three steps to begin laying the foundation for your future home purchase today!

 

STEP 1: CHECK YOUR CREDIT SCORE

Your credit score is one of the first things a lender will check to see if you qualify for a loan. It’s a good idea to review your credit report and score yourself before you’re ready to apply for a mortgage. If you have a low score, you will need time to raise it. And sometimes fraudulent activity or erroneous information will appear on your report, which can take months to correct.

The credit score most lenders use is your FICO score, a weighted score developed by the Fair Isaac Corporation that takes into account your payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%).1

Source: myFico.com

Base FICO scores range from 300 to 850. A higher FICO score will help you qualify for a lower mortgage interest rate, which will save you money.2

By federal law, you are entitled to one free copy of your credit report every 12 months from each of the three major credit bureaus (Equifax, Experian and Transunion). Request your free credit report at https://www.annualcreditreport.com.

 

Minimum Score Requirements

To qualify for the lowest interest rates available, you will usually need a FICO score of 760 or higher. Most lenders require a score of at least 620 to qualify for a conventional mortgage.3

If your FICO score is less than 620, you may be able to qualify for a non-conventional mortgage. However, you should expect to pay higher interest rates and fees. For example, you may be able to secure an FHA loan (one issued by a private lender but insured by the Federal Housing Administration) with a credit score as low as 580 if you can make a 3.5 percent down payment. And FHA loans are available to applicants with credit scores as low as 500 with a 10 percent down payment.4

 

Increase Your Credit Score

There’s no quick fix for a low credit score, but the following steps will help you increase it over time.5

 

  1. Make Payments on Time

At 35 percent, your payment history accounts for the largest portion of your credit score. Therefore, it’s crucial to get caught up on any late payments and make all of your future payments on time.

If you have trouble remembering to pay your bills on time, set up payment reminders through your online banking platform, a free money management tool like Mint, or an app like BillMinder.

 

  1. Avoid Applying for New Credit You Don’t Need

New accounts will lower your average account age, which could negatively impact your length of credit history. Also, each time you apply for credit, it can result in a small decrease in your credit score.

The exception to this rule? If you don’t have any credit cards—or any credit accounts at all—you should open an account to establish a credit history. Just be sure to use it responsibly and pay it off in full each month.

If you need to shop for a new credit account, for example, a car loan, be sure to complete your loan applications within a short period of time. FICO attempts to distinguish between a search for a single loan and applications to open several new lines of credit by the window of time during which inquiries occur.

 

  1. Pay Down Credit Cards

When you pay off your credit cards and other revolving credit, you lower your amounts owed, or credit utilization ratio (ratio of account balances to credit limits). Some experts recommend starting with your highest-interest debt and paying it off first. Others suggest paying off your lowest balance first and then rolling that payment into your next-lowest balance to create momentum.

Whichever method you choose, the first step is to make a list of all of your credit card balances and then start tackling them one by one. Make the minimum payments on all of your cards except one. Pay as much as possible on that card until it’s paid in full, then cross it off your list and move on to the next card.

 

Debt Interest Rate Total Payoff Minimum Payment
Credit Card 1 12.5% $460 $18.40
Credit Card 2 18.9% $1,012 $40.48
Credit Card 3 3.11% $6,300 $252

 

  1. Avoid Closing Old Accounts

Closing an old account will not remove it from your credit report. In fact, it can hurt your score, as it can raise your credit utilization ratio—since you’ll have less available credit—and decrease your average length of credit history.

Similarly, paying off a collection account will not remove it from your report. It remains on your credit report for seven years, however, the negative impact on your score will decrease over time.

 

  1. Correct Errors on Your Report

Mistakes or fraudulent activity can negatively impact your credit score. That’s why it’s a good idea to check your credit report at least once per year. The Federal Trade Commission has instructions on their websitefor disputing errors on your report.

While it may seem like a lot of effort to raise your credit score, your hard work will pay off in the long run. Not only will it help you qualify for a mortgage, a high credit score can help you secure a lower interest rate on car loans and credit cards, as well. You may even qualify for lower rates on insurance premiums.6

 

STEP 2: SAVE UP FOR A DOWN PAYMENT AND CLOSING COSTS

The next step in preparing for your home purchase is to save up for a down payment and closing costs.

 

Down Payment

When you purchase a home, you typically pay for a portion of it in cash (down payment) and take out a loan to cover the remaining balance (mortgage).

Many first-time buyers wonder: How much do I need to save for a down payment?The answer is … it depends.

Generally speaking, the higher your down payment, the more money you will save on interest and fees. For example, you will qualify for a lower interest rate and avoid paying for mortgage insurance if your down payment is at least 20 percent of the property’s purchase price. But what if you can’t afford to put down 20 percent?

On a conventional loan, you will be required to purchase private mortgage insurance (PMI) if your down payment is less than 20 percent. PMI is insurance that compensates your lender if you default on your loan.7

PMI will cost you between 0.3 to 1.5 percent of the overall mortgage amount each year.8So, on a $100,000 loan, you can expect to pay between $300 and $1500 per year for PMI until your mortgage balance falls below 80 percent of the appraised value.9For a conventional mortgage withPMI, most lenders will accept a minimum down payment of five percent of the purchase price.7

If a five-percent down payment is still too high, an FHA-insured loan may be an option for you. Because they are guaranteed by the Federal Housing Administration, FHA loans only require a 3.5 percent down payment if your credit score is 580 or higher.7

The downside of getting an FHA loan? You’ll be required to pay an upfront mortgage insurance premium (MIP) of 1.75 percent of the total loan amount, as well as an annual MIP of between 0.80 and 1.05 percent of your loan balance on a 30-year note. There are also certain limitations on the types of loans and properties that qualify.10

There are a variety of other government-sponsored programs created to assist home buyers, as well. For example, veterans and current members of the Armed Forces may qualify for a VA-backed loan requiring a $0 down payment.7Consult a mortgage lender about what options are available to you.

 

TYPE MINIMUM DOWN ADDITIONAL FEES
Conventional Loan 20% Qualify for the best rates and no mortgage insurance required
Conventional Loan 5% Must purchase private mortgage insurance costing 0.3 – 1.5% of mortgage annually
FHA Loan 3.5% Upfront mortgage insurance premium of 1.75% of loan amount and annual fee of 0.8 – 1.05%

 

Current Homeowners

If you’re a current homeowner, you may have equity in your home that you can use toward your down payment on a new home. We can help you estimate your expected return after you sell your current home and pay back your existing mortgage. Contact us for a free evaluation!

 

Closing Costs

Closing costs should also be factored into your savings plan. These may include loan origination fees, discount points, appraisal fees, title searches, title insurance, surveys and other fees associated with the purchase of your home. Closing costs vary but typically range between two to five percent of the purchase price.11

If you don’t have the funds to pay these outright at closing, you can often add them to your mortgage balance and pay them over time. However, this means you’ll have a higher monthly payment and pay more over the long term because you’ll pay interest on the fees.

 

STEP 3: ESTIMATE YOUR HOME PURCHASING POWER

Once you have the required credit score, savings for a down payment and a list of all your outstanding debt obligations via your credit report, you can assess whether you are ready and able to purchase a home.

It’s important to have a sense of how much you can reasonably afford—and how much you’ll be able to borrow—to see if homeownership is within reach.

Your debt-to-income (DTI) ratio is one of the main factors mortgage companies use to determine how much they are willing to lend you, and it can help you gauge whether or not your home purchasing goals are realistic given your current financial situation.

Your DTI ratio is essentially a comparison of your housing expenses and other debt versus your income. There are two different DTI ratios that lenders consider:

 

Front-End Ratio

Also called the housing ratio, this is the percentage of your income that would go toward housing expenses each month, including your mortgage payment, private mortgage insurance, property taxes, homeowner’s insurance and association dues.12

To calculate your front-end DTI ratio, a lender will add up your expected housing expenses and divide it by your gross monthly income (income before taxes). The maximum front-end DTI ratio for most mortgages is 28 percent. For an FHA-backed loan, this ratio must not exceed 31 percent.13

 

Back-End Ratio

The back-end ratio takes into account all of your monthly debt obligations: your expected housing expenses PLUS credit card bills, car payments, child support or alimony, student loans and any other debt that shows up on your credit report.12

To calculate your back-end ratio, a lender will tabulate your expected housing expenses and other monthly debt payments and divide it by your gross monthly income (income before taxes). The maximum back-end DTI ratio for most mortgages is 36 percent. For an FHA-backed loan, this ratio must not exceed 41 percent.13

 

Home Affordability Calculator

To get a sense of how much home you can afford, visit the National Association of Realtors’ free Home Affordability Calculator at https://www.realtor.com/mortgage/tools/affordability-calculator.

This handy tool will help you determine your home purchasing power depending on your location, annual income, monthly debt and down payment. It also offers a monthly mortgage breakdown that projects what you would pay each month in principal and interest, property taxes, and home insurance.

The Home Affordability Calculator defaults to a back-end DTI ratio of 36 percent. If the monthly cost estimate at that ratio is significantly higher than what you’re currently paying for housing, you need to consider whether or not you can make up the difference each month in your budget.

If not, you may want to lower your target purchase price to a more conservative DTI ratio. The tool enables you to scroll through higher and lower price points to see the impact on your monthly payments so you can identify your ideal price point.

(Note: This tool only provides an estimate of your purchasing power. You will need to secure pre-approval from a mortgage lender to know your true mortgage approval amount and monthly payment projections.)

 

Can I Afford to Buy My Dream Home?

Once you have a sense of your purchasing power, it’s time to find out which neighborhoods and types of homes you can afford. The best way to determine this is to contact a licensed real estate agent. We help homeowners like you every day and can send you a comprehensive list of homes within your budget that meet your specific needs.

If there are homes within your price range and target neighborhoods that meet your criteria—congratulations! It’s time to begin your home search.

If not, you may need to continue saving up for a larger down payment … or adjust your search parameters to find homes that do fit within your budget. We can help you determine the right course for you.

 

START LAYING YOUR FOUNDATION TODAY

It’s never too early to start preparing financially for a home purchase. These three steps will set you on the path toward homeownership … and a secure financial future!

And if you are ready to buy now but don’t have a perfect credit score or a big down payment, don’t get discouraged. There are resources and options available that might make it possible for you to buy a home sooner than you think. We can help.

Want to find out if you’re ready to buy a house? Give us a call! We’ll help you review your options, connect you with one of our trusted mortgage lenders, and help you determine the ideal time to begin your new home search.

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.

 

 

Sources:
  1. Quicken Loans Blog – 
    
    https://www.quickenloans.com/blog/how-does-your-credit-score-affect-your-mortgage-eligibility
  2. myFICO – 
    
    https://www.myfico.com/credit-education/credit-report-credit-score-articles/
  3. Bankrate – 
    
    https://www.bankrate.com/mortgages/what-is-a-good-credit-score-to-buy-a-house/
  4. Bankrate – 
    
    https://www.bankrate.com/finance/mortgages/7-crucial-facts-about-fha-loans-1.aspx
  5. myFICO – 
    
    https://www.myfico.com/credit-education/improve-your-credit-score/
  6. The Balance – 
    
    https://www.thebalance.com/having-good-credit-score-960528
  7. Bankrate – 
    
    https://www.bankrate.com/mortgages/how-much-is-a-down-payment-on-a-house/
  8. Bankrate – 
    
    https://www.bankrate.com/finance/mortgages/the-basics-of-private-mortgage-insurance-pmi.aspx
  9. Bankrate – 
    
    https://www.bankrate.com/finance/mortgages/removing-private-mortgage-insurance.aspx
  10. The Balance – 
    
    https://www.thebalance.com/fha-home-loan-pitfalls-315673
  11. Investopedia – 
    
    https://www.investopedia.com/terms/c/closingcosts.asp
  12. Bankrate – 
    
    https://www.bankrate.com/finance/mortgages/why-debt-to-income-matters-in-mortgages-1.aspx
  13. The Lenders Network – 
    
    https://thelendersnetwork.com/fha-debt-to-income-ratio/

Child Advocates of Fort Bend – Donate Today

I recently had the pleasure of touring the facility. I was moved by the dedication and enthusiasm that every employee/volunteer showed during the visit. They are doing AMAZING work. 

Child Advocates of Fort Bend is a nonprofit agency serving child victims of sexual abuse, physical abuse and neglect through two nationally-affiliated programs:  Court Appointed Special Advocates (CASA) and the Children’s Advocacy Center (CAC).  Started in 1991, it is celebrating its 25th anniversary in 2016 having served over 14,000 children ages birth – 18+ years old over these years.  Its mission is to:  Provide a Voice, Heal The Hurt and Break the Cycle of Abuse and Neglect for Children in Fort Bend County.

With a staff of 35 professionals, volunteer corps of 200 child advocate volunteers and collaborations with 40 partner agencies, it is consistently ranked as the “best practices” model for the investigation, treatment, advocacy and prevention of child abuse.  It employs a Multi-Disciplinary Team approach and practices trauma-focused, evidence-based practices.  Child Advocates of Fort Bend is community supported, public/private partnership that provides all its services at no cost.

For more information

This holiday season I will be collecting new toys, clothing, shoes, backpacks, stuffed animals or blankets for the Child Advocates of Fort Bend. Wish list: 2018 Child Advocate Donation 

I will be collecting items through December 15, 2018. 

I’d be happy to pick up items or you can mail the items to me . Email me for my address. ali@happyclientsrealtygroup.com

Thank you in advance!

Find your dream home and save on closing costs!

Are you planning on selling a home within the next 18 months? Let us help you sell and buy your new home. As a thank you for your trust in our services we will contribute $2,500* to be used towards your new home’s closing costs. The credit does not expire and can be transferred to a friend or family member to purchase a home with us.

Here is what you can expect:

  1. Current home’s value – Thinking about selling in the next few months? If so, let us run a price analysis on your current home. We will provide you with a suggested sales price and an approximate net sheet. Together we can review the sales process and come up with a plan of action.
  2. Get Pre-Approved: Speak to a lender about getting pre-qualified for a new loan. The lender will review your options and will provide you with a loan estimate. This information will help us plan ahead for your new home purchase.
  3. Prepare home for sale – Schedule your staging consultation. We will provide you with a check list of items to repair/replace or remove in order to market your property to its highest potential. Once the home is ready, we will schedule professional pictures.
  4. Property goes active – Property will go active on the market. We will review offers as they arrive and decide together on the best offer.
  5. Search for Homes: Once we are under contract we can start looking for your new home!
  6. Make Offer: Work with us to craft a competitive offer.
  7. Closing: We will work together to assure that all inspections, contingencies and details are taken care of. $2500 will be applied towards your closing costs on your new home. This will be reflected in your closing disclosure.
  8. Celebrate: Celebrate your new home!

What to get started? It’s never too early

Email us at ali@happyclientsrealtygroup.com and references “closing costs credit”

*Restrictions: Credit is only valid on a purchase with a minimum $5,000 Buyer Broker commission offered by the listing brokerage and the purchase must occur within our same market area.  

If you end up buying a home before you sell your current property we will refund $2,500 off the listing fee at closing.

 

 

 

Seek better representation

Imagine you need to sell a car. Normally you would have the car detailed to make sure it shines. A clean, shiny, well kept car will appeal to the most buyers and get you the most amount of money. Most buyers will not seek out a dirty, beat up car, unless is cheap.

The same goes for selling a home. In fact, a home is a much larger sale so why not take the time to make it shiny.

Most people now a days have the attention span of a gnat (as do I). We only have one opportunity to make a good first impression.

Most buyers will research homes and areas online before they even consider reaching out to an REALTOR®. Property pictures are EVERYTHING. If your home does not show well in pictures you will not get the traffic you deserve.

You want to appeal to the most number of buyers. Stage your home to appeal to the masses. This will give you the best chance to get the most out of your investment. Your home is an INVESTMENT. It’s probably the largest investment you will make in your life.

When we represent a client in selling a property, it is our job to make sure that the property is marketed in a favorable manner. It is our job to tell you to declutter, clean, and freshen up the property. We know what buyers are looking for. We hear their complaints every day. Our critiques aren’t personal. We do not sell homes the same way we live in them. We want to you make as much money as possible. You make money, we make money. It’s that simple

As a future seller, do your research and make sure your listing agent will present your property in the best light. Look at their previous listings and see if you find them appealing. Does the agent focus on the homes best attributes? Are the pictures clear? Is the home clean and decluttered.

Sometimes the best way to explain the importance of our roles is to show them in pictures! Let the fun begin…

Please note that these are all listing pictures. None are from the Houston area (don’t want too step on any toes). They are all from different price points. I have seen multimillion dollar homes that are represented in this same manner.

First, declutter and clean. Most buyers when sent photos like this will not even want to tour the property. Would you?

Buyers will assume you have no storage if your counters are covered in stuff
This kitchen is small enough. Take out the table and bike!
I can’t even focus on the room. All I can look at is the personal items. Curtains on the main door?
Too much! Can you put away the trash can? Can you even open the frig door?
Speechless
Can you even see the built in shelves?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lighting focus and angles – Dark photo are the death of a listing. Add blurry to that and why would a buyer keep looking?

This room seems to be freshly painted and it has nice floors but the lighting and the random grocery bag is distracting
This is the way it was uploaded…blurry
What are we selling here? The back splash? This is one of two pictures that represent the kitchen. Neither one shows the entire kitchen
Is this the best way to represent a half bath? This is where wide angle lenses come in
Oh, a blurry brick wall! yay
Can you not fit in the entire home in the pic? How about straightening the camera?
It only takes a sec to straighten up the camera
Nope, it’s not a foggy day. Just a blurry pic
What are we selling? the couch?
Blurry seems to be an ongoing issue but there is much more wrong with this image.
Why? what are we really showing? Shampoos and toilet paper?
Crooked
Is this the master? Who knows?
Nope, I did not upload this pic upside down. That’s the way it’s listed.
Can I fit in this laundry room?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Main picture, first impression – We have the ability to organize the pics as we wish. Ideally you want to post the best pic first. This picture will either tempt the buyers to open the listing and learn more or they will simply swipe past it. 

 

This home has an amazing view. Could you walk out a little further to capture the actual view?

 

 

 

 

 

 

 

 

 

 

What house?

 

 

 

 

 

 

 

 

If this is going to be your main picture could you be bothered to move the box?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Maybe consider moving the cars? What are we selling here?

 

 

 

 

 

 

 

 

 

 

Does this pic best represent the home? Dirty walls?

 

 

 

 

 

 

 

 

 

 

Virtual staging has come a long way but when it looks like this it’s probably better to leave the room empty

Um…

 

 

 

 

 

 

no comment

 

 

 

 

 

 

 

 

 

We can’t force a seller to clean and declutter but we can stress the importance and set expectations. I know that money is sometimes a factor. You can’t do repairs if you don’t have the funds. That said,  cleaning and decluttering is free. No excuses.

A listing agreement is a partnership with the same goal: to sell for the most money. The seller does their part (clean, declutter, make repairs, etc) and we will do my part. We will stage the home to spotlight the home’s best features and order professional picture. Professional pictures are absolutely necessary.

This partnership will only work if we both do our part. We too are making a investment of time and money to make your home shine.

If you have any questions or would like a complimentary staging consultation please feel free to contact us at the following number.

Ali Palacios

GRI, ABR, MCNE, TAHS, ASPRE, HARRL
Broker
Happy Clients Realty Group
ali@happyclientsrealtygroup.com

Mobile – 832-418-0670

 

For example of great listing pics click here

 

Let’s grow together

Thank you for your support, trust and referrals. I would not be where I’m at without your help. You helped me grow, I will help you grow!

I’d like to offer you my support in promoting your business. Do you have a small business and/or hobby you’d like to promote. I will list your business on my facebook page, website and offer your services to other clients.

Tell me more about you and your business. I’d love to help.

 

Want in on that list?

You wanna know one of my secrets to getting my clients the best deal when they buy a house?

Well, it’s not really a secret, everyone knows you need to do what I’m about to tell you.

However, a lot of buyers (and even some sloppy agents) think it’s fine to put it off…

It’s getting pre-approved for a mortgage. The secret in my sauce is that I make sure my buyers do it as early on in the process as possible!

I doesn’t matter if someone got the greatest deal on a house…too many buyers get hosed on their mortgage because they didn’t get pre-approved until they found the house they wanted.

Then they gotta go from pre-approval to the loan process faster than a Ferrari, and that’s where, why, and when they lose money. Those rates and fees are along for the ride for a lot of years later. And it adds up to tons of money.

But since my clients get pre-approved so early on, they get a chance to really look at what the lenders’ programs, fees, and rates are, and make the best choice.

Here’s another thing I’ll let you in on…

I’ve got a private list of lenders I know and trust. Want in on that list? Or do you have a list of ones you know and trust already?

 

In defense of a real estate agent

Real estates agents get a very bad rap. We are right there with car salesmen.

I feel the rejection as soon as I greet an open house guest. I’m just trying to tell you more about the house! I promise that it’s not a sale pitch…You can’t force someone to love the home. It seems like a few bad apples in a group will give the entire group a bad reputation.

No one likes a pushy salesmen. I personally don’t like it. I feel a sales pitch coming my way and I RUN. I understand. In defense of my peeps, most real estate agents love what they do and truly have your best interest in mind.

I get asked a lot why real estate? This question is usually followed by pursed lips. ugh.

I absolutely love what I do. Let me tell you why:

  1. I feel like I make a difference in someones life. I’m there when someone purchases their first home; I’m there when the same family needs more space for their growing family; I’m there when the kids have left and they have an empty nest.
  2. Real estate is so much more than buying and selling a home. Typically when someone needs to buy or sell, there is an issue. Every issue is unique and every solution is unique. I’m present to console a surviving spouse or a divorcee during a trying time. I have helped many out of a financial burden when the mortgage payment is overwhelming. Not every situation is happy but I’m still there for my clients.
  3. I love working with buyers that are not qualified for a loan. With a few changes most people can qualify for a loan within a few months. Guiding someone through credit repair, down payment assistance programs and overall mortgage education can make their dream for home ownership a reality.
  4. I love to educate. Buying and selling a home is complicated. I want my clients to understand the process and not feel lost. I love collaborating with my clients to obtain their ultimate goal.
  5. I love building new friendships. I can honestly say that if it was up to me, I’d be BFFs with all my clients. I love to stay in touch and see how our lives unfold. The beauty of this profession is that I can work with those I want to work with. I refuse to work with as&$%les.
  6. We all strive for that work/life balance. This profession gives me flexibly. Because I love what I do, I find myself working all the time. If it doesn’t feel like work, you tend to over do it. That said, when I need to I can turn it off and enjoy life.

This career is not for all. We invest many many many hours with our clients. Don’t believe what you see on TV. Shocker! Reality TV is not reality.

A good agent is compassionate and patient.

So next time an agent approaches you, don’t run in the other direction. Give them a chance and get to know the agent, more than likely they will become your new BFF. 🙂

 

Whole foods – Mochi ice cream

If you have never tried Mochi Ice Cream you need to head out right now and get some. Where have you been?

But seriously, if you like gummy textures and ice cream, you found your new best friend.

Whole foods sells this yummy delights by the piece. They have a Mochi ice cream freezer and you fill up your own container. I tried several flavors: pistachio, strawberry, mango and vanilla. By far for me pistachio was my favorite. The rest were fine but I didn’t finish them. The pistachio had me wanting more!

Now go out there and try some Mochi Ice Cream!

We are hiring smiling faces

 

Are you looking for change? Are you a new agent that would like to be part of a group that supports and helps each other prosper?

We are a group of agents that strive to share knowledge and help each other grow. Education is key.

We are seeking like minded agents that would like to be part of our team.

For more information contact Ali Palacios, Broker/Owner at ali@happyclientsrealtygroup.com, 832-418-0670.

Our  VISION

At Happy Clients Realty Group our goal is to serve each client with utmost professionalism, integrity, and outstanding customer service. Our fiduciary relationship with our clients is the highest priority. We work diligently to help them achieve their dreams. We educate and simplify the many challenges of buying and/or selling a home. We provide consistent communication and prompt follow-thru from the beginning of the transaction to the end, and beyond. We utilize our outstanding negotiating skills and vast knowledge of the Houston metro area to the benefit of our clients. We are a team of talented professionals devoted to clients.

Thinking about purchasing a home?

Are you ready to buy a home but don’t know where to start? I know it can be overwhelming. Here are a few tips to get you started.

  1. Let’s chat. The best way to help you through the process is to talk about your goals and timing. Let’s meet and discuss your goals and plans. It’s never to early to start this process. In fact, it’s better to start up to a year before you’d actually like to move. This will allow you time to make corrections and get financially prepared for the move.
  2. How much can you afford? There is no point going to go see homes without knowing your budget. Take some time to review your income vs. debt and come up with a comfortable number. Keep in mind that most lender prefer that you payment amount to no more than 30% of your income.
  3. Get pre-qualified. This is the most important step. Speak to a lender about qualifying. The lender will review your finances and credit to determine your ideal sales price. The lender will also review loan options and interest rates. Don’t forget to ask about down payment assistance programs. If you’d like a referral I’d be happy to provide a list of great lenders.
  4. Let’s go home shopping! Once you are pre-qualified we can go look for a home. No home is perfect but typically if it meets 80% of your wants, you’re on a good track.
  5. Make an Offer. Once we have found the right home I will run numbers for the area and we will come up with an offer together. The offer encompasses several factors. We will go through them one by one. It’s important you feel comfortable with the offer presented.
  6. Once you offer is accepted I will them guide you through the rest of the sales process; which includes inspections, negotiating repairs or credits, appraisals, financing, final walk through, closing, etc.

The overall process can take a few months and as your agents I’d be with you during the entire process.If you have any questions please feel free to contact me anytime.