Home ownership is one of the most exciting times in most peoples lives. It is often the result of hard work, sacrifice and commitment. It is also one of the most expensive purchases and investments that most people will make. Obviously, this is a decision that you want to make after you are sure you are ready for home ownership. So, what does “ready” mean exactly? It is important that you contact a real estate agent to help you know what steps you need to take. Even before you contact a real estate professional you can get “ready” by considering the following:
Do you currently have any money saved for a down payment?
This all depends on the price of the home, your loan interest rate and your lender.
Consider putting savings in a different account than your regular checking.
Do you have any debt that you can pay down such as credit cards or school loans?
Check with a qualified loan specialist who can help you with this question.
How long have you been at your current job?
Most lenders prefer over 6 months to 1 year. Check with a qualified loan specialist who can help you with this question.
Have you talked to any housing counseling agencies?
Housing counselors can be very helpful, especially for first-time home buyers. The U.S. Department of Housing and Urban Development or (HUD) supports housing counseling agencies throughout the country that can provide free or low-cost advice. You can find HUD-approved housing counselor at http://www.consumerfinance.gov/find-a-housing-counselor/ or by calling toll-free at 800-569-4287.
Consider “what you can afford”, it’s not just your monthly payments!
It is important to be realistic on how much you can afford in a new home. Taxes and interest rate (depending on type of loan) can change in the future. Utilities, HOA dues, taxes, repairs and routine maintenance need to be considered.
If you would like more information on the advantages of home ownership, please contact the Dream Key Real Estate Team!
There are a lot of reasons I love working for Keller Williams. The resources and teaching we get as realtors gives us the tools we need to deliver a great product to the people we serve, and it doesn’t hurt that I look pretty good in red. With all of the business factors aside, the big quality that really made the sale for me was the culture of Keller Williams.
KW is well known for its charitable efforts, and they have given millions for everything from disaster relief to food banks, but it is hard not to highlight one so adorable as this.
Little ten year old Tobias harper wanted more than anything to run the local 5k with his older brother, Titus. Titus has cerebral palsy and is confined to a wheelchair, so after reaching out to a local news station Tobias received a jogging stroller to push his older brother the whole way.
Keller Williams heard about the story, and during their last Family Reunion awarded over $57,000 to the Bass family for education and support of their five-child home.
If you want to hear more about Keller Williams’ charitable efforts, you can go to www.kwcares.org, or simply google “Keller Williams Charity” to view page after page of KW’s strides to make the world a better place.
Thank you Keller Williams and KW Cares for showing me what coming from contribution is all about!
As if living in Avery Ranch was not awesome enough with its convenient location, miles of hike and bike trails, loads of neighborhood amenities, our awarded Xerophytic landscape, acres of parks, pools and playgrounds and don’t get me started on the Golf course!
There is even more however, and those are the amenities that are open to the public like our Annual Avery Ranch Bazaar-Bazaar! This year will be a huge Bazaar with over 70 local vendors, music, food trucks, and lots of fun for the whole family. The weather will be delightful and the holiday season is right around the corner so this will be a great opportunity to shop local.
So this Saturday, November 9th, 2013 from 10:a.m.- 3:00 p.m. come and visit our community, see what all the hype is about and while you are here do a little holiday shopping, meet our awesome neighbors (who could be yours if you call me ) and be sure to bring the whole family! See more details on our website at http://averyranchbazaar.info
The global financial downturn of 2007-2912 (lovingly known as the Great Recession) was arguably the worst financial crisis of this generation. One of the biggest causes of this collapse was the over-lending of home mortgages in the US to those who ultimately could not afford them. This lending spree caused millions of buyers to be put in terrible financial danger and even foreclosed on, leaving a good portion of American citizens out of any near-future home buying opportunities.
Thankfully, the economy is seeing an upturn (knock on wood) and things are steadily improving, but the citizens who lost their jobs are still having a hard time getting back on their feet.
In comes the Back to Work Program, a government-sponsored program that specifically intends to give would-be homebuyers a second chance. Traditionally, there are two to seven-year waiting periods before you can get a loan after a “Negative Credit Event”, something such as a foreclosure or bankruptcy, before you can purchase a home or get a large loan. Waiting periods for some were extended even further when they realized that the period extended from the date of final foreclosure, and not when the process began. For some, the period between which home purchases were allowed was as much as ten years!
Through this program, many will now be able to recover and purchase a home even with poor credit. Even with this good news, the word is not out there, and even the occasional lending agency has not been notified of the program’s existence. The best thing you can do is to make sure that if either you personally, or a close friend or family member has experienced a home foreclosure that they know they have a chance for the future.
For more detailed info from HUD, you can view this downloadable PDF here:
To schedule a time for you or someone you know to talk about this new program, please contact us at email@example.com or call us directly at (cp) 512-300-4568, or (office) 512-222-8665. You can also start your dream home search on our website at http://dreamkeyrealestate.com
A golfer will know a great course when he sees one. A course with nice, conditioned greens, a course with challenging (but not too challenging!) holes, a course with great views, a nice atmosphere, and of course most of all, a well-stocked club house. If you agree with any of the above statements you might just be a prime candidate for Avery Ranch’s exclusive golf course.
People forget about Texas’ vistas. Typically when non-natives think of “Texas” they think deserts and ranches, dusty trails and rattlesnakes, but they never get to see Central Texas’ beautiful subtropical hills and woodlands. Avery Ranch Golf Course is nested in the very heart of just such an area and its open layout lets you appreciate it in all of its beauty. Natural limestone caverns, fields of active water features, and more wonderful, established Oaks than you can shake a 5-iron at.
Rated the “Best Overall Golf Course” by Avid Golfer Magazine and one of the “Best Places to Play” with a near-perfect rating by Golf Digest, Avery Ranch’s Golf Course is in a class of its own. With the best finishing hole in all of Central Texas, Avery Ranch’s 18th is a masterpiece with a view of the Texas Hill country rarely seen elsewhere.
Whether you are a pro or an amateur they have you covered. Don’t have your own gear? No problem. Avery Ranch’s pro shop is fully stocked with high-end gear for the most discerning golfer for rent or for purchase.
Don’t put up with sub-par (Haha, golf pun) courses, go the Avery Ranch way. Avery Ranch does everything better, brighter, and more beautiful. This fantastic course is absolutely no exception. Go with the course the community and Central Texas has trusted for years and try it for yourself today. You have nothing to lose, except for maybe a ball or two. Those lake bits look tricky.
Austin-area home sales up 32 percent, hit nine-year high for April
Austin Board of REALTORS® releases real estate statistics for April 2013
AUSTIN, Texas – May 21, 2013 – According to the Multiple Listing Service (MLS) report released today by the Austin Board of REALTORS® (ABoR), the volume of Austin-area home sales continues to rise as April became the 23rd straight month of year-over-year sales volume increases, and April saw its most home sales since 2004. Click here for more details….
W. Cavin Weber
Dream Key Real Estate “Making Dreams Come True One Key at a Time!”
Whether you are an avid outdoorsman or a professional sits-downs-man, you have to appreciate the value of going outside and taking in the beautiful Texas greenery. One such destination is Cat Hollow/Brushy Creek’s fantastic disc golf course.
Unlike traditional golf, disc golf only costs a few dollars to buy a few discs at your local store and join along right next to everyone else. Easy and inexpensive to pick up and play (and entirely absent of plaid knee-length pants) this is a sport that is meant to be played just as easily by yourself as with your whole family. Cat Hollow’s disc golf course is no exception with a perfect blend of both straightforward holes and challenging ones that will keep the amateur excited and the professional engaged.
The course was designed in 2003 by world-renound and award-winning course designer and frisbee player John Houck. Houck has designed some of the most famous and highest-rated disc golf courses across the United States, and this course is no exception. The course makes an excellent use of space and ensures that the player does no needless walking from basket to basket and makes finding the next starting point easy. The 18th hole ends immediately next to where the 1st began so you will have the energy to take that victory lap around your car you know you so definitely deserve.
Whether you are an avid player or you just want to try out something exciting and new, come check out Cat Hollow Disc Golf course today. Bring lots of water and maybe a snack and make a day of it. Again, plaid pants optional.