Credit scores are calculated using the information on your credit reports, which includes details of your credit accounts, how often you apply for credit, debt collection accounts and some public records, among other things.

Quote:

"85% Of Americans Have A Credit Score That Will Enable Them To Get Into A Home. "

Shownotes:

(01:16) They don't educate us.

(02:15) No more renting. 

(07:05) Order a credit report right now. 

If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!

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Moving to a new home can be intensely stressful and throw your life into chaos.

So in this episode, we are going to share some things you need to avoid when moving. 

Stay tuned! :)

Quote: 

"Moving Is The Ideal Time To Get Rid Of Things You No Longer Need. "

Shownotes:

(02:22) Scheduling Stuff

(06:48) Skipping The Purge

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No more renting. If you want to make money slapping somebody in the face, you can make money by slapping your landlord in the face and go get your own home. That's how you make money. Stop making your landlord rich. 

Quote:

"You Want To Be Proactive If You Are Looking At Getting Into A Home This Year."

Shownotes:

(00:45) We Are Getting Into Credit Scores. 

(02:13) No ore renting.

(05:06) Max Credit Score.

(07:35) Wrong Information On Credit Report Side.

If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!

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According to Freddie Mac’s Primary Mortgage Market Survey, interest rates for a 30-year fixed rate mortgage are currently at their lowest for 2019. Rates like these haven’t been seen since February 2018!

Last week’s survey results reported an interest rate of 4.35%. This is a welcome change from the near 5% rates seen in mid-November. At 4.32%, the second week of February 2018 was the last time rates were this low.

If you plan on buying a home this spring, contact us, we can help prepare you for today’s market before rates increase!

Quote:

"Mortgage Rates Fell For The Third Consecutive Week"

Shownotes:

(00:57) Interest Rates.

(02:27) Mortgage Rates Fell For The Third Consecutive Week.

If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!

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A lot of people don't know that they are eligible for a mortgage. So today, we are going to dive in specifically to millennials to talk about some of the misconceptions.

Quote: 

"They've Got The Credit, All The Necessary Items And Necessary Criteria To Be Able To Own A Home. "

Shownotes: 

(00:33) Millennial Talk.

(01:51) Millennial Generation Is Growing Up In An Age Where They Can Make Money At A Much Earlier Age.

(03:18) Estimated Number Five Million Millennials That Are Going To Turn 30 In The Next Two Years.

(05:03)They've Got The Credit, All The Necessary Items And Necessary Criteria To Be Able To Own A Home.

(07:45) Some People Don't Change When Things Change. 

If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!

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A mortgage application can be complicated and requires several documents but as a minimum, you will need to provide some identification.

There are a few things you need to have ready before you apply for a mortgage, and we are going to share those things with you in this episode, so stay tuned.

Quote:

There Is A Balance Between Giving Information And Giving Too Much Information.

Shownotes:

(01:05) You Could Get A Mortgage Without Having A Job.

(04:01) Make Sure You Are Providing Enough Documentation.

(05:51) Have At Least The Last Two Months Of Bank Statements.

(08:13) Two Years Of Residency.

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Right now we're at a great time to get a lower interest rate.  You'll be able to make sure you're getting the most bang for your mortgage buck right and right now is an opportune time to do it.  If you are looking at getting into one home in 2019, I think you are right on the money doing it now as we're entering the spring season and as we start getting hotter and hotter in the market in April and May and then really burning through the summer. This is a great time to get into a home and make the most and get the most for your mortgage.

Show Notes:

(00:22) Houston Inside Out show introduction.

(01:21) It's time to buy a home now this 2019 because of low interest rates.

(02:29) A Core Logic report states that prices will increases at a rate of 4.6 percent next. year.  Home values will continue to appreciate as we move forward in 2019 and into 2020 and moving forward.

(03:25) Interest rates are going to come up this year so you have to take advantage of your buying power right now.

(04:22) If you're renting you're still paying mortgage either way.  The only time you're not paying mortgage is if you're living with your parents

(05:20) Renters have the opportunity to buy homes because of low interest rates.

(06:19) Labor shortages, supplies and construction plays a big role in building and buying a home and that’s one of the reason prices go up.

(07:17) We are here to help you with any questions on mortgage, home listing and many more just reach out and check out myhoustoninsideout.com.

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For both men and women, buying a home on your own by yourself requires more financial independence than does buy with the support of a partner. 

In this episode we are going to share the impact of buying a house with a woman.

Quote:

"A women purchasing homes at a greater flip than single men do."

Shownotes:

[00:37] Bloomberg Article.

[02:08] Women Are More Responsible.

[05:45] It's Going To Be A Little More Easier To Purchase When You've Got Another Person.

[07:20] Homeownership Is Definitely Something You Want To Seek Out.

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In this episode, we talk about an appraisal. An appraisal is an important part of the home buying process. Lenders require appraisals when buyers use their new homes as security for their mortgages. So stay tuned as we more about appraisals.

"You also have an income approach as far as the appraisal goes."

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Negotiation, the things that you can negotiate during the contract phase if you are a buyer and a seller. As a home seller, you want to close as soon as possible and as a seller, you want to get your households as quickly as possible.

In this episode, we discussed the five most important things for negotiation.

Stay Tuned :)

Quote:

"Once You Start Getting Into A Higher Price Point Maybe Not Necessarily The Case With Buyers Asking For Closing Costs."

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