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Why you should wait to buy that car until after your home purchase?
by Samantha Hart-DFW's Most Innovative Realtor
Why you should wait to buy that car until after your home purchase Getting preapproved for a mortgage is a major step in buying a home. In fact, it’s a virtual necessity to secure a home in this market environment if you’re not paying cash. The great news is, when done properly, it’s like having cash in your hands so you can negotiate effectively with a seller to buy a home. It’s easily one of the most important things you can do in order to buy the home of your...
Read MoreHow Much House Can You Afford? Use This Affordability Calculator To Find Out
by Samantha Hart-DFW's Most Innovative Realtor
The amount of house you can afford depends on various factors including your income, financial obligations, credit score, and down payment. As a general rule of thumb, most lenders recommend that your monthly housing cost should not exceed 28% of your gross monthly income. This includes your mortgage principal and interest, property taxes, and homeowners insurance. To determine how much house you can afford, you can use this Affordability Calculator Home Affordability Calculator In addition to the...
Read MoreWhat is your debt to income ratio...why should you care?
by Samantha Hart-DFW's Most Innovative Realtor
What is your debt to income ratio...why should you care? Any time you have more income and less debt, you’re in good shape in life. That said, there is an ideal ratio between your debt and income in order to qualify for a good mortgage. When your debt to income ratio is on the high side, you run the risk of not getting a good loan (or not getting a loan at all) if your income were to take a hit right before or during the loan funding process. Conversely, having no debt can work...
Read MoreHow To Sell a Home Today: The New Rules
by Samantha Hart-DFW's Most Innovative Realtor
If you’re selling your home right now—or thinking about doing it soon—you should know that today’s housing market is in a new post-COVID-19 normal. During the pandemic’s height, Americans started moving, many freed from the constraints of a daily commute to the office. This fueled a homebuying rush, with properties in many areas of the country getting snapped up fast, sometimes within days of going on the market. Buyers mired in bidding wars were offering more than the...
Read MoreProperty tax assessment too high...what you can do about it?
by Samantha Hart-DFW's Most Innovative Realtor
Property tax assessment too high...what can you do about it? For more details, visit each counties’ appraisal district website using the contact information listed below: Collin County Central Appraisal District | www.collincad.orgDallas County Central Appraisal District | www.dallascad.orgDenton County Central Appraisal District | www.dentoncad.comGrayson County Central Appraisal District | www.co.grayson.tx.usHunt County Central Appraisal District | www.hctax.infoJohnson County Central Appraisal...
Read MoreHow to get the home with the furniture included
by Samantha Hart-DFW's Most Innovative Realtor
How to get the home with the furniture included So you like the dining room table in the house you want to buy, but your agent tells you it’s not included with the sale. What do you do? In short, you ask for it. Well, you negotiate it as part of your offer to purchase the home from the seller. To effectively get the home you want with the furniture included, you should identify in advance any furniture that you are interested in buying and let the seller (or your agent) know...
Read MoreOwning vs. Renting
by Samantha Hart-DFW's Most Innovative Realtor
Owning vs. Renting Making the decision to own a home versus renting one is no small decision. Not only does it affect your expendable cash, but it also has a huge impact on your lifestyle and how much money you’re able to save over time. Sometimes, the goal to achieve the “American Dream” of owning a home clouds some people’s vision for the future and they buy a home when they should really be renting one. Similarly, there are people who continue to rent for the...
Read MoreWhat does a real estate agent actually do?
by Samantha Hart-DFW's Most Innovative Realtor
What does a real estate agent actually do? Being a real estate agent requires you to employ a significant number of skills to complete a variety of different tasks on a daily basis. Trying to put in one or two sentences what an agent does each day is virtually impossible to do. It would be like trying to tell you what a chef does — “cooks food” — or what a nurse does — “takes care of patients”. There’s a lot more that goes into what...
Read More6405 Eaglestone Dr, McKinney TX Qualifies For A $10,700 Lender Credit
by Samantha Hart-DFW's Most Innovative Realtor
Here is how it works: Qualified buyers get a $16,300 lender credit applied toward reducing their interest rate! In most cases, buyers’ income must be within 120% of the Area Median Income. Select census tracts qualify for NO income limitations. Buyers do NOT need to be first time buyers – they simply cannot currently own a property.
Read More100% FHA Financing
by Samantha Hart-DFW's Most Innovative Realtor
3401 O Neal St Greenville TX
Read MoreRecent Posts
- Why you should wait to buy that car until after your home purchase?
- How Much House Can You Afford? Use This Affordability Calculator To Find Out
- What is your debt to income ratio...why should you care?
- How To Sell a Home Today: The New Rules
- Property tax assessment too high...what you can do about it?
Most Popular Posts
- How Much House Can You Afford? Use This Affordability Calculator To Find Out
- Backyard Paradise With 6 Bedroom Home For Sale-McKinney TX
- How to get qualified to purchase a home for no money down
- If your home inspection report comes back bad, now what?
- Why landscaping can make your home sell faster and for more money
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