Real Estate with Robbie - Robbie English, Broker: buda

Showing posts with label buda. Show all posts

Wednesday, April 26, 2017

ROBBIE ENGLISH Achieves CERTIFICATION in NATIONAL Real Estate Network

Thursday, October 13, 2016

How to Choose a Lender

When is the Best Time to Lock in your Mortgage Rate?

Wednesday, October 12, 2016

Understanding What Causes Interest Rate Movement

The Role Access Plays in Getting Your House SOLD!

So you’ve decided to sell your house. You’ve hired a real estate professional to help you with the entire process and they have asked you what level of access you want to provide to potential buyers.

There are four elements to a quality listing. At the top of the list is Access, followed by Condition, Financing and Price. There are many levels of access that you could provide to your agent to be able to show your home.

Here are five levels of access that you could give a buyer with a brief description:

Lockbox On the Door – this allows buyers the ability to see the home as soon as they are aware of the listing, or at their convenience.
Providing a Key to the Home – although the buyer’s agent may need to stop by an office to pick up the key, there is little delay in being able to show the home.
Open Access with a Phone Call – the seller allows showing with just a phone call’s notice.
By Appointment Only (example: 48 Hour Notice) – Many out-of-town/state buyers and relocation buyers visit an area they would like to move to and only have the weekend to view homes. They may not be able to plan that far in advance, or may be unable to wait the 48 hours to be shown the house.
Limited Access (example: the home is only available on Mondays or Tuesdays at 2pm or for only a couple of hours a day) - This is the most difficult way to be able to show your house to potential buyers.

In a competitive marketplace, access can make or break your ability to get the price you are looking for, or even sell your house at all.

Robbie English, Broker, Realtor®, CRB, GRI, PSA, RENE • Dewey Blanton Real Estate • 512-910-HOME - mobile • soldbyrobbie@gmail.com
#DBRTX, #robbieenglish, #deweyblantonrealestate #austinrealestate #realtor #realtorslife #realestate #broker #realty #austinrealtor #realestateagent #austinrealtors #realestateagentaustin #realestateagentnewbraunfels #newbraunfelsrealestate #realestateaustin #realestatenewbraunfels #newbraunfelsrealtor #listingagent #salesagent #buyersagent #realestatecareer #realestateagentcareer #realestatebroker

Tuesday, October 11, 2016

PHH wins landmark victory: CFPB ruled unconstitutional | 2016-10-11 | HousingWire

http://ift.tt/2d5NUol
‘Indeed, other than the President, the Director of the CFPB is the single most powerful official in the entire United States Government, at least when measured in terms of unilateral power.’

PHH wins landmark victory: CFPB ruled unconstitutional | 2016-10-11 | HousingWire

PHH wins landmark victory: CFPB ruled unconstitutional | 2016-10-11 | HousingWire:

‘Indeed, other than the President, the Director of the CFPB is the single most powerful official in the entire United States Government, at least when measured in terms of unilateral power.’

The Importance of a Home Inspection Report

I want my own bathroom!!

The Past, Present & Future of Home Prices

CoreLogic released their most current Home Price Index last week. In the report, they revealed home appreciation in three categories: percentage appreciation over the last year, over the last month and projected over the next twelve months.

Here are state maps for each category:

The Past – home appreciation over the last 12 months

The Present – home appreciation over the last month

The Future – home appreciation projected over the next 12 months

Bottom Line

Homes across the country are appreciating at different rates. If you plan on relocating to another state and are waiting for your home to appreciate more, you need to know that the home you will buy in another state may be appreciating even faster.

Monday, October 10, 2016

Ranches for Sale in Hays County

3 Questions to Ask Before Buying Your Dream Home

If you are debating purchasing a home right now, you are probably getting a lot of advice. Though your friends and family will have your best interest at heart, they may not be fully aware of your needs and what is currently happening in the real estate market.

Ask yourself the following 3 questions to help determine if now is actually a good time for you to buy in today’s market.

1. Why am I buying a home in the first place?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with money.

For example, a recent survey by Braun showed that over 75% of parents say “their child’s education is an important part of the search for a new home.”

This survey supports a study by the Joint Center for Housing Studies at Harvard University which revealed that the four major reasons people buy a home have nothing to do with money. They are:

A good place to raise children and for them to get a good education
A place where you and your family feel safe
More space for you and your family
Control of that space

What does owning a home mean to you? What non-financial benefits will you and your family gain from owning a home? The answer to that question should be the biggest reason you decide to purchase or not.

2. Where are home values headed?

According to the latest Home Price Index from CoreLogic, home values are projected to increase by 5.3% over the next 12 months.

What does that mean to you?

Simply put, if you are planning on buying a home that costs $250,000 today, that same home will cost you an additional $13,250 if you wait until next year. Your down payment will need to be higher as well to account for the higher home price.

3. Where are mortgage interest rates headed?

A buyer must be concerned about more than just prices. The ‘long term cost’ of a home can be dramatically impacted by even a small increase in mortgage rates.

The Mortgage Bankers Association (MBA), the National Association of Realtors, Fannie Mae and Freddie Mac have all projected that mortgage interest rates will increase over the next twelve months as you can see in the chart below:

Bottom Line

Only you and your family will know for certain if now is the right time to purchase a home. Answering these questions will help you make that decision.

Sunday, October 9, 2016

The Federal Reserve and Inflation

Home Warranty and Why You Want One...

Friday, October 7, 2016

Ready to Trade-In Your Home?

Veteran Home Loans

Mortgage Rates by Decade Compared to Today [INFOGRAPHIC]

Some Highlights:

The interest rate you secure for your mortgage greatly influences your monthly housing costs.
In the 1980s, 30-year fixed mortgage rates averaged in the high 12s making the monthly principal and interest payment over $2,000.
Interest rates are still at historic lows; this is a great time lock in your housing cost and protect yourself from increasing rents, or refinance your current mortgage.

Thursday, October 6, 2016

FHA & VA Assumptions

Why We Need More Newly Constructed Homes

The number of new home sales is far off historic norms. The National Association of Realtors (NAR) just reported that the percentage of all house sales that were newly constructed homes has fallen to the lowest numbers in forty years. Here is a graph showing the percentages:

This should come as no surprise as the number of new housing starts has fallen dramatically over the last several years:

Bottom Line

We need more new construction for two reasons:

It will relieve some of the pent-up buying demand that is causing price appreciation to continue to increase well above historic norms.
It will give better opportunities to many current homeowners who want to sell but can’t find an adequate home to move in to.

Wednesday, October 5, 2016

Have You Put Aside Enough for Closing Costs?

There are many potential homebuyers, and even sellers, who believe that you need at least a 20% down payment in order to buy a home, or move on to their next home. Time after time, we have dispelled this myth by showing that there are many loan programs that allow you to put down as little as 3% (or 0% with a VA loan).

If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs.

Freddie Mac defines closing costs as:

“Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage. These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 and 5% of your purchase price.”

We’ve recently heard from many first-time homebuyers that they wished that someone had let them know that closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount that you saved for your down payment.

Here is a list of just some of the fees/costs that may be included in your closing costs, depending on where the home you wish to purchase is located:

Government recording costs
Appraisal fees
Credit report fees
Lender origination fees
Title services (insurance, search fees)
Tax service fees
Survey fees
Attorney fees
Underwriting fees

Is there any way to avoid paying closing costs?

Work with your lender and real estate agent to see if there are any ways to decrease or defer your closing costs. There are no-closing mortgages available, but they end up costing you more in the end with a higher interest rate, or by wrapping the closing costs into the total cost of the mortgage (meaning you’ll end up paying interest on your closing costs).

Home buyers can also negotiate with the seller over who pays these fees. Sometimes the seller will agree to assume the buyer’s closing fees in order to get the deal finalized.

Bottom Line

Speak with your lender and agent early and often to determine how much you’ll be responsible for at closing. Finding out you’ll need to come up with thousands of dollars right before closing is not a surprise anyone is ever looking forward to.

About Robbie

Robbie typically works by referral and has enjoyed a life-long career in the real estate industry. He started at age 15 working for his father’s law office and property management company. Robbie continues to offer his clients with the same incomparable mix of honest, down-to-earth guidance with thorough knowledge. Having worked extensively in commercial and residential real estate management, sales, and as a mortgage banker and mortgage broker, Robbie understands all the pieces of the puzzle required to put transactions together.

Tx law requires all license holders to provide the "Information About Brokerage Services" http://www.deweyblanton.com/iabs/ & "Consumer Protection Notice" http://www.deweyblanton.com/trec/. To view these documents, click on the respective links.