Debbie Breaux Realtor at Jane Byrd Properties International

Debbie Breaux
Realtor ®
Jane Byrd Properties International, LLC

Equal Housing Opportunity

Information about Broker Services >> https://members.har.com/mhf/terms/dispBrokerInfo.cfm?sitetype=aws&cid=551428

Consumer Protection Notice >>https://content.harstatic.com/pdf/TREC_CPN.pdf

From the Legal Hotline: Does a Contract Terminate Automatically When a Party Dies?

Here's what the legal hotline has to say about a sale after death of owner: https://www.texasrealestate.com/members/posts/from-the-legal-hotline-does-a-contract-terminate-automatically-when-a-party-dies/

From the Legal Hotline: Does a Contract Terminate Automatically When a Party Dies? I’ve been getting calls from members asking whether a residential sales contract automaticall...

Annual Credit Report.com - Home Page

By doing your homework before you buy, you’ll feel more content about your new home.

Most potential homebuyers are a smidge daunted by the fact that they’re about to agree to a hefty mortgage that they’ll be paying for the next few decades. The best way to relieve that anxiety is to be confident you’re purchasing the best home at a price you can afford with the most favorable financing. These seven steps will help you make smart decisions about your biggest purchase.

Most potential homebuyers are a smidge daunted by the fact that they’re about to agree to a hefty mortgage that they’ll be paying for the next few decades. The best way to relieve that anxiety is to be confident you’re purchasing the best home at a price you can afford with the most favorable financing. These seven steps will help you make smart decisions about your biggest purchase.

1. Decide how much home you can afford.

Generally, you can afford a home priced two to three times your gross income. Remember to consider costs every homeowner must cover: property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care if you plan to have children.

2. Develop your home wish list.

Be honest about which features you must have and which you’d like to have. Handicap accessibility for an aging parent or special needs child is a must. Granite countertops and stainless steel appliances are in the bonus category. Come up with your top five must-haves and top five wants to help you focus your search and make a logical, rather than emotional, choice when home shopping.

3. Select where you want to live.

Make a list of your top five community priorities, such as commute time, schools, and recreational facilities. Ask a REALTOR? to help you identify three to four target neighborhoods based on your priorities.

4. Start saving.

Have you saved enough money to qualify for a mortgage and cover your downpayment? Ideally, you should have 20% of the purchase price set aside for a downpayment, but some lenders allow as little as 5% down. A small downpayment preserves your savings for emergencies.

However, the lower your downpayment, the higher the loan amount you’ll need to qualify for, and if you still qualify, the higher your monthly payment. Your downpayment size can also influence your interest rate and the type of loan you can get.

Finally, if your downpayment is less than 20%, you’ll be required to purchase private mortgage insurance. Depending on the size of your loan, PMI can add hundreds to your monthly payment. Check with your state and local government for mortgage and downpayment assistance programs for first-time buyers.

5. Ask about all the costs before you sign.

A downpayment is just one homebuying cost. A REALTOR? can tell you what other costs buyers commonly pay in your area — including home inspections, attorneys’ fees, and transfer fees of 2% to 7% of the home price. Tally up the extras you’ll also want to buy after you move-in, such as window coverings and patio furniture for your new yard.

6. Get your credit in order.

A credit report details your borrowing history, including any late payments and bad debts, and typically includes a credit score. Lenders lean heavily on your credit report and credit score in determining whether, how much, and at what interest rate to lend for a home. The minimum credit score you can have to qualify for a loan depends on many factors, including the size of your downpayment. Talk to a REALTOR? or lender about your particular circumstance.

You’re entitled to free copies of your credit reports (https://www.annualcreditreport.com/cra/index.jsp) annually from the major credit bureaus: Equifax, Experian, and TransUnion. Order and then pore over them to ensure the information is accurate, and try to correct any errors before you buy. If your credit score isn’t up to snuff, the easiest ways to improve it are to pay every bill on time and pay down high credit card debt.

7. Get prequalified.

Meet with a lender to get a prequalification letter that says how much house you’re qualified to buy. Start gathering the paperwork your lender says it needs. Most want to see W-2 forms verifying your employment and income, copies of pay stubs, and two to four months of banking statements.

If you’re self-employed, you’ll need your current profit and loss statement, a current balance sheet, and personal and business income tax returns for the previous two years.

Consider your financing options. The longer the loan, the smaller your monthly payment. Fixed-rate mortgages offer payment certainty; an adjustable-rate mortgage (ARM) offers a lower monthly payment. However, an adjustable-rate mortgage may adjust dramatically. Be sure to calculate your affordability at both the lowest and highest possible ARM rate.



By: G. M. Filisko
Published: February 10, 2010

Annual Credit Report.com - Home Page

HAR Account Login – HAR.com

Anyone looking to move? This great house is in the Cleveland area. No HOA. Sitting on 5 acres. Contact me for more details.

https://www.har.com/25741-tallow-vista/sale_53245021

HAR Account Login – HAR.com HAR.com consumers can use the award-winning residential property search engine to find a home, bookmark listings and view property search history.

12 Dollar Store Finds That Make Amazing Kitchen Organizers

I need to go to the Dollar Store. How about you?
https://www.womansday.com/home/organizing-cleaning/g2182/dollar-store-kitchen-organization/?slide=8

12 Dollar Store Finds That Make Amazing Kitchen Organizers It doesn't have to cost a fortune to streamline your cooking space.

20 Genius Ways to Organize Kitchen Cabinets

How cool is this?
https://craftsyhacks.com/organize-kitchen-cabinets/

20 Genius Ways to Organize Kitchen Cabinets Sharing 20 simple but practical kitchen cabinets organization ideas that will help you to organize the kitchen, the food, and all appliances. Great if you're looking for a few organization tricks.

15 Tricks That Will Change the Way You Use Your Fridge

Have you tried this trick?
https://www.onecrazyhouse.com/refridgerator-organization-tips/

15 Tricks That Will Change the Way You Use Your Fridge Looking for refridgerator organization tips? Kitchen hacks make life so much easier! And what do you use most in your kitchen? Your refrigerator. Organizing

13 Pantry Organization Ideas to CAN THE MESS

Wish my pantry looked this good.
https://mommyoverwork.com/pantry-organization-ideas-tips-hacks-organizer-door-storage/

13 Pantry Organization Ideas to CAN THE MESS Put a lid on the clutter with these PANTRY ORGANIZATION IDEAS. Really smart tips to conquer canned goods, find the best storage solutions, and more

Who knew there were so many uses for the Magic Eraser?

These small bathroom organization hacks are brilliant and will save so much space in my apartment's tiny bathroom! Love the ba… | Helpful house gadgets in 2019 | Small bathroom organization, Bathroom organization, Tiny bathrooms

Wish my bathroom was this organized.
https://www.pinterest.com/pin/251709066659471144/

These small bathroom organization hacks are brilliant and will save so much space in my apartment's tiny bathroom! Love the ba… | Helpful house gadgets in 2019 | Small bathroom organization, Bathroom organization, Tiny bathrooms These small bathroom organization hacks are brilliant and will save so much space in my apartment's tiny bathroom! Love the bathroom organizing ideas including storage solutions for toiletries, hair tools, and beauty products.

Don't Let Fear Stop You from Applying for a Mortgage

Contact me to recommend a loan officer that can help you develop a spending plan, as well as determine how much home you can afford. Look forward to hearing from you. Your Realtor Debbie Breaux @ JLA Realty 832-276-7480

Don't Let Fear Stop You from Applying for a Mortgage A considerable number of potential buyers shy away from jumping into the real estate market due to their uncertainty about the buying process. A specific cause for concern tends to be mortgage qualification.

17518 Bering Bridge Ln Humble, TX 77346

See a virtual tour of my listing on 17518 Bering Bridge Ln Humble, TX.

17518 Bering Bridge Ln Humble, TX 77346 Immaculate, one of a kind, townhome in Eagle Springs. Largest of two floor plans built by Lennar in this section. laminate wood floors, tile and carpet. Flex space at top of stairs will make a great office, play area, sitting area. Fridgeto stay with home. Walk to parks, pools and schools.

4212 Sherri Lane Crosby, TX 77532

I would love to show you my listing at 4212 Sherri Lane Crosby, TX.

4212 Sherri Lane Crosby, TX 77532 Very nice one story home on 2 acres. Nice large custom kitchen with granite counter tops. Clean & easy to maintain ceramic tile floor. Storage in backyard to stay. Non-restricted area. Horses are allowed. Awesome back patio for barbeques. Drive through garage.

17518 Bering Bridge Ln Humble, TX 77346

I would love to show you my listing at 17518 Bering Bridge Ln Humble, TX.

17518 Bering Bridge Ln Humble, TX 77346 Immaculate, one of a kind, townhome in Eagle Springs. Largest of two floor plans built by Lennar in this section. laminate wood floors, tile and carpet. Flex space at top of stairs will make a great office, play area, sitting area. Fridgeto stay with home. Walk to parks, pools and schools.

4212 Sherri Lane Crosby, TX 77532

See a virtual tour of my listing on 4212 Sherri Lane Crosby, TX.

4212 Sherri Lane Crosby, TX 77532 Very nice one story home on 2 acres. Nice large custom kitchen with granite counter tops. Clean & easy to maintain ceramic tile floor. Storage in backyard to stay. Non-restricted area. Horses are allowed. Awesome back patio for barbeques. Drive through garage.

17518 Bering Bridge Ln Humble, TX 77346

Check out my listing in Humble, TX.

17518 Bering Bridge Ln Humble, TX 77346 Immaculate, one of a kind, townhome in Eagle Springs. Largest of two floor plans built by Lennar in this section. laminate wood floors, tile and carpet. Flex space at top of stairs will make a great office, play area, sitting area. Fridgeto stay with home. Walk to parks, pools and schools.

4212 Sherri Lane Crosby, TX 77532

I am looking for a buyer on 4212 Sherri Lane Crosby, TX.

4212 Sherri Lane Crosby, TX 77532 Very nice one story home on 2 acres. Nice large custom kitchen with granite counter tops. Clean & easy to maintain ceramic tile floor. Storage in backyard to stay. Non-restricted area. Horses are allowed. Awesome back patio for barbeques. Drive through garage.

17518 Bering Bridge Ln Humble, TX 77346

I would love to show you my listing at 17518 Bering Bridge Ln Humble, TX.

17518 Bering Bridge Ln Humble, TX 77346 Immaculate, one of a kind, townhome in Eagle Springs. Largest of two floor plans built by Lennar in this section. laminate wood floors, tile and carpet. Flex space at top of stairs will make a great office, play area, sitting area. Fridgeto stay with home. Walk to parks, pools and schools.

4212 Sherri Lane Crosby, TX 77532

Check out my newest listing in Crosby! Tell me what you think!

4212 Sherri Lane Crosby, TX 77532 Very nice one story home on 2 acres. Nice large custom kitchen with granite counter tops. Clean & easy to maintain ceramic tile floor. Storage in backyard to stay. Non-restricted area. Horses are allowed. Awesome back patio for barbeques. Drive through garage.

17518 Bering Bridge Ln Humble, TX 77346

I have a new listing with 3 Bedrooms, 2 full and 1 half Bathrooms Bath in Humble, TX.

17518 Bering Bridge Ln Humble, TX 77346 Immaculate, one of a kind, townhome in Eagle Springs. Largest of two floor plans built by Lennar in this section. laminate wood floors, tile and carpet. Flex space at top of stairs will make a great office, play area, sitting area. Fridgeto stay with home. Walk to parks, pools and schools.

December 2015 Housing Trends

December 2015 Newsletter Housing Trends eNewsletter Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general. The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. [ 69 more words. ]

https://dreamhomes123.wordpress.com/2016/01/04/december-2015-housing-trends/

December 2015 Housing Trends   December 2015 Newsletter Housing Trends eNewsletter   Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing ...

Debbie Breaux Realtor's cover photo