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Home Buyer Information Category

New first time home buyer loan program has lower down payment

Were you thinking about buying your first Spring Texas home in 2014 but didn't due to a high down payment and a high credit score requirement?   If so, you will want to learn about a new first time home buyer loan program.  It might just turn you into a new Spring Texas homeowner. The outline of the program is below: Conventional loan with a minimum down payment of 3% which is 2% less than a typical conventional loan Lower mortgage insurance than a typical conventional loan. Funds (down payment, closing...Continue Reading!

What you need to know about Spring Texas real estate taxes

When you are considering buying a Spring Texas home, there are a couple of things you need to know about real estate taxes. 1. Tax Amount Without Exemptions - The real estate taxes identified on a home's listing is BEFORE / WITHOUT exemptions.  You may qualify for a homestead, over 65, or disabled exemptions. All of these exemptions will reduce your Spring Texas real estate taxes.  How much lower the real estate taxes will be for a property depends upon the...Continue Reading!

D.R. Horton to develop The Reserve at Louetta Glen

D.R. Horton will develop The Reserve at Louetta Glen on 51.75 acres located south of Louetta and to the west of the Louetta Glen subdivision.  The northern section of the property that fronts Louetta will be reserved for commercial development. D.R. Horton plans to construct approximately 160 single family homes in The Reserve at Louetta Glen.  Both one story and two story homes will be available.  The square footage of the homes will range in size from 1,600 to 2,400 square feet....Continue Reading!

Not everything you read in the Houston MLS is accurate

The fine print. Locate the fine print on almost any website or advertisement and that is where you will find the disclaimer. Real estate websites including, Trulia, Zillow,, and even our own website of have disclaimers. The typical disclaimer on a real estate website is "information is deemed reliable but not guaranteed".  Websites displaying real estate information can not guarantee the accuracy of the listing data because they didn't collect and input the data. Spring Texas Realtors do not deliberately misrepresent room sizes...Continue Reading!

If you want it to be there on closing day, get it in writing

If you want a non-realty item to be there on closing day, you need to get it in writing.  Because in Spring Texas real estate transactions verbal means nothing.  Anything that's not in writing becomes a he said she said. If you thought the sellers were going to leave the refrigerator, washer and dryer, or a wall mounted tv and you don't have it in writing then don't expect it to be there on closing day. Refrigerators, washer and dryer, and wall mounted televisions are all personal items.  Personal...Continue Reading!

Mortgage interest rates on the rise

The days of the 3% interest rates for 30 year mortgages are GONE.  For the last couple of years, buyers have been locking in interest rates for 30 year mortgages in the 3s and loving it. Heck, I cashed in on the low interest rates myself.  Last fall, we refinanced the mortgage on our Spring Texas home and snagged a 3.5% interest rate for a term of 30 years. Cha ching! Over the last 90 days, economic good news has caused the mortgage interest rate to increase a full percentage...Continue Reading!

HAR shortens time frame to update listing’s status

Frustration by both home buyers and Houston Realtors on the accuracy of a listing's status has pressured the Houston Association of Realtors (HAR) Board of Directors to approve a rule change. Effective April 1, 2013, the time frame to update a listing's status from "Active" to "Option Pending" or "Pending" or "Pending continue to Show" has shorten from 5 days to 3 days. If the status of a listing is not updated within 3 days to reflect it's under contract status, HAR will...Continue Reading!

Top 7 ways you can screw up your loan pre-approval

Congratulations, you have been pre-approved for a loan!  You're one step closer to moving into the Spring Texas home of your dreams.  But don't get too far ahead of yourself because it's easy to screw up your loan pre-approval.  As loan pre-approval does NOT guarantee you full loan approval. Top 7 ways you can screw up your loan pre-approval are by: 1. becoming self-employed or changing jobs.  Lenders want borrowers who can demonstrate consistent earnings. 2. buying a car, truck or van. Your new car payment combined with your...Continue Reading!

Pulte commits to finish building out of Wimbledon Falls

Located to the West of Kuykendahl, South of Woodlands Parkway, and just North of W. Rayford sits the community of Wimbledon Falls. The first homes in Wimbledon Falls were constructed in 2004 and over the years several builders including Plantation, Gehan, Chesmar, Imperial, and Infinity Classic constructed homes in the community. Now Pulte has decided to join those builders with a commitment to purchase and build upon the remaining 88 available home sites. Upon final build out the homes in Wimbledon Falls will total 314.  Pulte's...Continue Reading!

How to write a winning offer in a sellers market

The Spring Texas real estate market has changed.  We are no longer in a buyers market where the buyers have all the negotiating power. We are in a sellers market and if you don't want to have to settle for the home that is your third or fourth choice, you need to write a winning offer. How to write a winning offer in a sellers market: 1.  Don't lowball. In a sellers market a lowball offer is not going to get you a deal. Yes,...Continue Reading!