Ok so myself and team have been calling people non stop this week drumming up some real estate. Sooooo we keep hearing .... I don't have a down payment.... GUESS WHAT YOU CAN BUY A HOME NO MONEY DOWN!! Who wants to know more about that?? #mortgage #downpayment #yes #thewoodlands #texas #kellerwilliams #kevinbakerhomes #kwri #homeloan #buy #luxury how to buy a home get loan pre approval the woodlands conroe tomball tx


If you are considering to buy or sell. You should take a moment to consider how mortgage interest rates could affect your purchase or how could reduce the market of buyers for your home to sell. Be smart and dont wait!
Pacific Union International CEO, Mark McLaughlin, "“If I am a seller in the next 24 months, I would be acutely aware that every 1 percent rise in mortgage rates effectively eliminates 30 percent of the portion of buyers — last night’s example of 25 percent in the Bay Area can afford a $1 million mortgage at 4 percent, 20 percent at 5 percent, and 16 percent at 6 percent.”

Closing Costs for Home Buying in Houston TX

Non-Recurring Closing Costs Associated with the Lender

Appraisal fee: cost varies. The property being appraised is collateral for your mortgage so the lender will want to verify that the property’s value is comparable to similar property based on recent sales in your area.

Credit Report: $7-$60. The lender naturally wants to verify your good (or acceptable) credit rating.

Flood certification fee: cost varies. The certification verifies whether your property is in a federally designated flood zone.

Flood monitoring: cost varies. This service monitors your property if and when flood zones are remapped.

Lender’s Inspection fee: cost varies. Also...

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Foreclosure Investment Myths

Foreclosure—the very word strikes fear in the hearts of most homeowners. Unless, that is, you are looking to take advantage of a foreclosure from a buyer’s perspective. Then it can be music to the ears. However, you’ll want all the facts before you jump in. There are plenty of myths regarding foreclosures, and you need all the information you can get before you make your move.

Contrary to conventional wisdom, which states that “foreclosures are at an all-time high!”, foreclosure rates have stayed fairly constant since the Depression at just less than 1 percent of all loans. However, because of the trend toward risky loans (such as inte...

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Yes, you read right – eating burns calories. The process is called thermogenesis (meaning heat generation) and it is designed to regulate body temperature -- to keep the body warm. A good way to visualize the process is like feeding coal into a locomotive steam engine: if you keep the fire stoked, by adding coal at even intervals, and not smothering it with too much, the engine will run efficiently and consistently.

Can you increase thermogenesis? Increased thermogenesis means increased heat production, which means an increase in oxygen consumption (heat needs oxygen to be release), and higher metabolism. Sadly, there are many unscrupulous companies out there trying to convince overwe...

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Air Conditioning Maintenance .AC and HVAC tips for The Woodlands, Spring, and Houston Texas.

l Have a professional check your system periodically.

l Oil the blower motor and fan on both the condensing and the evaporation units annually.

l Keep the condensing-unit pan free of bugs, leaves and dirt.

l Check the tension on the condensing and evaporation unit blower fan belts each spring.

l Inspect the blower ducts and joints for leaks and insulation slippage annually.

l Clean or replace air filters frequently.

l Keep the blower motor fan blade free of mold and mildew.

l Set your a/c fan speed on high except when it’s humid.

l Use a whole-house attic fan.

l Set your thermostat as high as comfortably...

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Real Estate Trends

The last two years have been the strangest on record for the housing industry. An unprecedented housing boom increased throughout the 1990s and continued into the new millennium, thanks to relaxed credit standards, sinking interest rates, low unemployment and an insufficient housing supply. But signs now point to the impending end of the boom.

In more than 100 U.S. cities, home prices have climbed at least twice as fast as household incomes since 1998, according to The Wall Street Journal with information from the economic consulting firm Home prices have risen nationally three times faster than incomes since the turn of the century, which has made home ownershi...

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Falling in love is exhilarating. It can also be a bit scary, especially when a home has captured your heart. What if something goes wrong and you end up not spending the rest of your life with this stack of brick and mortar you're lusting after?

No matter how careful you are, some deal killers are unavoidable. Others, however, are preventable, so pay heed if you hope to keep your deal alive.

1. Don't Mess with Your Mortgage Preapproval
A common reason for a real estate deal to fall apart is that many homebuyers don't fully understand the mortgage process. Sure, you may get a loan preapproval, but don't think for one minute that this guarantees you will get the loan. It doesn't.

Here's what happe...

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5 Steps to Buying a Home in North Houston TX by Kevin Baker of Keller Williams The Woodlands & Magnolia, blog article courtesy of The Woodlands Monocle,

North Houston TX and The Woodlands offers many great options for living and remains one of the strongest real estate markets in the country. The continued growth in The Woodlands is the result of corporations relocating which has created a business-friendly environment, and prime spot for those looking to live in a great community with plenty of amenities.


Obtain a pre-approval early. The pre-approval will let the buyer know how much home they can afford....

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Real Estate in The Woodlands & North Houston TX: Done Right by Kevin Baker Local Realtor® blog article courtesy of The Woodlands Monocle ,

Kevin Baker, of Kevin Baker Homes, Keller Williams The Woodlands, is a top rated Real Estate Agent who lives in The Woodlands, Texas.

The 40-year-old professional Real Estate agent, owner of Kevin Baker Homes, helps anyone with their home buying needs. Included in this are first time home buyers, luxury home buyers, seasoned buyers, clients relocating to the area, sellers that need to list and sell their home, new construction with builders and real estate investors...

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