humble tx: New Qualified Mortgage Rules 2014 - 01/30/14 07:33 PM
New Qualified Mortgage Rules for 2014
There are new mortgage rules applying to Qualified Mortgages originated on or after January 10th, 2014, and we want to give you an overview.
 
First of all, what’s a Qualified Mortgage (QM)? A QM is a home loan that has stable features to make it easier for you to repay your loan. A loan must meet 3 requirements in order to be considered “qualified”: the lender must determine that the buyer has an Ability To Repay (ATR), the cost of the loan must meet certain requirements and the loan must not include any restricted … (0 comments)

humble tx: Holidays are coming!! - 12/13/13 02:59 PM
Holidays are coming
Stress-free Entertaining during the Holidays
Hosting a dinner with friends and family is always fun – right up until its midnight and you’re still washing the last load of dishes. During the holiday season when things are already hectic, entertaining can feel a bit overwhelming, to say the least. Not to fear! Here are four simple tips to help you throw a great party and keep your sanity.
http://www.ziprealty.com/blog/stress-free-entertaining-during-holidays
 
- See more at: http://www.ziprealty.com/blog/stress-free-entertaining-during-holidays#sthash.FqPPmJag.dpuf
 
Charles Gardner, Realtor
Zip Realty-Houston,TX
charles.gardner@ziprealty.com
(1 comments)

humble tx: Duck or Eagle - 07/31/13 07:10 PM
Great Service is a Choice!  Will you be a Duck or an Eagle?
No one can make you serve customers well. That's because great service is a choice. Years ago, my friend, Harvey Mackay, told me a wonderful story about a cab driver that proved this point. He was waiting in line for a ride at the airport. When a cab pulled up, the first thing Harvey noticed was that the taxi was polished to a bright shine. Smartly dressed in a white shirt, black tie, and freshly pressed black slacks, the cab driver jumped out and rounded the car to … (0 comments)

humble tx: Hire a Humble TX Realtor - 07/23/13 07:29 PM
Hire a Humble TX Realtor!!
 
Did you read this article?
 
Why buying a home is more complicated than buying a car, and how you can make it easier
Article By:  Marty Kramer | Consumer columnist
 
A friend of mine once commented that a person can walk into an auto dealership and drive away in a $100,000 car a few hours later. So why, he wanted to know, does it take so long to purchase a home?
Here’s why
You don’t need to hire a surveyor to measure a car to find out if the neighbor’s fence encroaches on your … (0 comments)

humble tx: Humble Idea to Avoid Foreclosure - 08/16/12 01:58 PM
Every homeowner in Humble and Spring should be educated on their options to avoid a foreclosure in Humble and Spring.
Many options are available in Humble and Spring to distressed homeowners however; short sales are becoming increasingly popular due to its abilities to assist homeowners in Humble and Spring.
Short sales offer cash back incentives in Humble and Spring, a credit score that suffers far less than one of a foreclosure in Humble and Spring and the assistance of a Humble and Spring short sale specialist at no cost.  Read more at http://www.humble.theshortsaleguide.com/
Here is too a great balance of … (0 comments)

humble tx: Buy Your College Student a House - 07/05/12 03:23 PM
Buy your College Student a House…Save $$$
If your college student is getting ready to live off campus, buying a rental property or condo may be an option worth considering.  Of course, with high rental costs and the opportunity to create a tax shelter for your hard earned money, this is a strategy many parents have found to be beneficial.
An investment property is an excellent opportunity to put your money to work for you, and may even help offset some of the income invested into your child’s education.  However, there are various factors you should consider before making any final … (0 comments)

humble tx: Foreclosure Judicial v. Non-judicial - 05/28/12 05:36 PM
I got this question the other day.
"Hey, can you answer this question for me? How are judicial foreclosures slowing the recovery down?” Here is the deal. The housing market has continued to show slow signs that it is strengthening for some states. It all depends on whether or not the state is a non-judicial foreclosure state or a judicial foreclosure state. Let’s briefly go over what the difference between a judicial and a non-judicial state. A judicial foreclosure state is one in which the lender has to go through the court system to pursue a foreclosure. In a non-judicial foreclosure, … (0 comments)

humble tx: Are Realtors a Good Lead Source for Investors?? - 02/27/12 09:56 AM
Are realtors a great source of leads for any investor and what would be their role in the transaction if they are supplying leads?" Yes, the realtors are a great source of short sale leads. Realtors can do much more than just providing leads, they can become important components in helping to market and sell properties. Real estate agents are good at selling homes. You can find an open-minded agent and teach them about what you do; this will develop into a solid relationship and once they close a short sale and the realtor is comfortable with the short sale concept, … (0 comments)

humble tx: Homestead Exemption Just Became More Complex - 09/03/11 09:59 AM
Homestead Exemption in Texas...more complex
The application process for a homestead exemption in Texas is about to grow more complex.  Earlier this year, the Texas Legislature approved new standards of mandatory disclosure for any one of several kinds of homestead exemptions.  Beginning on September 1, 2011, those new rules go into effect.  Prior to September 1, a homestead exemption was relatively easy to obtain; a property owner simply filed an application.  Now, home buyers will have to follow new rules and provide more proof they are eligible for the claimed exemption.
In order to receive a homestead exemption for property tax purposes, applicants must now provide a … (5 comments)

humble tx: Scripture for Today-Saturday August 27, 2011 - 08/27/11 09:22 PM
Saturday, August 27, 2011
Read Matthew 25:14-30
Well done, my good and faithful servant.  Since you were faithful in small matters, I will give you great responsibilities.
Father, thank you for giving me so many wonderful gifts! Help me to develop them to their greatest potential, and to use them all for your glory.
(3 comments)

humble tx: Scripture Sunday August 14, 2011 - 08/14/11 12:05 AM
 
Sunday, August 14, 2011
 
Read:  Matthew 18:1-14
 
“See that you do not despise one of these little ones, for I say to you that their angels in heaven always look upon the face of my heavenly Father…”
 
Lord, grant freedom and comfort to the millions who are enslaved and suffer throughout the world.
 
(6 comments)

humble tx: Scripture Today August 9, 2011 - 08/10/11 11:20 AM
Wednesday, August 9, 2011
Read:  1 Kings 19:9-13
At the mountain of God, Horeb, Elijah came to a cave where he took shelter.  Then the Lord said to him, “Go outside and stand on the mountain before the Lord; the Lord will be passing by.” …After the fire there was a tiny whispering sound.  When he heard this, Elijah hid his face.
Jesus, I long to hear your voice.  Open my heart so that I can experience your presence each day.
(2 comments)

humble tx: Scripture for Today-Saturday August 6, 2011 - 08/05/11 11:44 PM
Saturday, August 6, 2011
Read Matthew 16:24-28
What profit would there be for one to gain the whole world and forfeit his life?  Or what can one give in exchange for his life?
Lord, I rejoice in you!  You have set me apart as a member of your people.  Let the truth of your calling sink deeply into my heart.
(2 comments)

humble tx: Scripture for Today-Friday August 5, 2011 - 08/04/11 11:00 PM
Friday, August 5, 2011
Read Psalm 95
Come, let us sing joyfully to the Lord; let us acclaim the Rock of our salvation.  Let us come into his presence with thanksgiving; let us joyfully sing psalms to him.
Jesus, I give you my heart.  Form me into your servant and let me be a rock for your people.
(3 comments)

humble tx: Texas Housing Trending at 2009 - 08/03/11 12:38 AM
Texas housing market trending at 2009 levels Real estate markets nationwide reported steep drops after thefederal homebuyer tax credit expired last year, but Texas salescontinue to track alongside 2009 levels, according to the TexasQuarterly Housing Report. While the Lone Star State'ssecond-quarter sales fell 12% from a year earlier, Texas' totalsales volume of 58,795 homes was in line with 2009 levels,suggesting the market is maintaining a steady pace with orwithout federal stimulus. "Texas has dominated nationalheadlines for economic strength, which makes it clear therecovery continues in our state," said Jim Gaines, an economistwith the Real Estate Center at Texas A&M University, whichpublishes the … (1 comments)

humble tx: Scripture for Today-Wednesday August 3, 2011 - 08/03/11 12:35 AM
Wednesday, August 3, 2011
Read Psalm 51
Have mercy on me, O God, in your goodness; in the greatness of your compassion wipe out my offense.  Thoroughly wash me from my guilt and of my sin cleanse me.
 Thank you, Jesus for loving me and for saving me from condemnation.  Keep me centered on you.
 
(9 comments)

humble tx: Scripture for Today-Tuesday August 2, 2011 - 08/01/11 10:58 PM
Tuesday, August 2, 2011
Read Matthew 14:22-36
Jesus spoke to them, “Take courage, it is I; do not be afraid…”Come”… “Lord save me!”…He stretched out his hand and said “O you of little faith, why do you doubt?”
Lord Jesus, I trust in your unfailing love.  Teach me to run to you first always.
(1 comments)

humble tx: Scripture for Today-Monday August 1, 2011 - 08/01/11 01:32 AM
Monday, August 1, 2011
Read Romans 8:35, 37-39
Brothers and sisters:What will separate us from the love of Christ? Will anguish, or distress, or persecution, or famine,or nakedness, or peril, or the sword? No, in all these things we conquer overwhelminglythrough him who loved us.
Father, thank you that I can know you and enjoy your presence today! Help me to trust your promise, ‘I will,’ in every circumstance that I face today
(5 comments)

humble tx: Scripture for Today-Sunday July 31, 2011 - 07/30/11 11:08 PM
Sunday, July 31, 2011
Read Psalm 67
May God have pity on us and bless us; may he let his face shine upon us.  So may your way be known upon earth; among all nations, your salvation.
Father, your grace is always enough for me.  Please give me a pure heart today, and strengthen me against temptation.
(0 comments)

humble tx: Scripture for Today-Saturday July 30, 2011 - 07/30/11 06:10 PM
Saturday, July 30, 2011
Read John 11:19-27
Martha said to Jesus, “Lord if you had been here, my brother would not have died.  But even now I know that whatever you ask of God, God will give you”.
Jesus, show me anything that threatens to come between me and my brother and sister.
(0 comments)

 

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