You Don't Know What You Don't Know!

In this episode Kristen and Robin review the PID and MUD special assessment taxes you may find notice of when looking to buy your first home. Understanding what these mean to you, the community you are looking to buy in, as well as how they affect your taxes, is all beneficial during your search to insure you are getting the best possible home!

If you have additional questions about special assesment taxes not reviewed or feedback you may reach us at [email protected] -or-
Kristen - 903-245-4778
Robin - 936-208-6808

Kristen and Robin continue their missin to educate, prepare, and equip you with the knowledge and understanding you need to be a confident first time home buyer. Underwriting is a process that ultimately determines whether or not you are going to be apprved for your loan and can close on your home. Special guest Denis Barr joins the show today to talk all things underwriting. She has been an underwriter for over 20 years and has been in lending for almost 40 years! She is a wealth of knowledge!
If you have feedback or questions please reach out to [email protected]
Kristen (903)245-4778
Robin (936)208-6808

On today's episode Kristen and Robin have Sr. Loan Officer Julie Velasco back to talk about what homebuyers need for down payments. Have you been under the impression that you need 20% down to achieve homeownership? Tune in to find out how to buy even if you don't have that much to put down and for the possibility of gettig a loan with as little 3% down to sometimes 0% down!! If you would like to visit more about getting a loan you can reach Julie at (210) 213-2630 or via email at [email protected]. For feedback or questins for Robin and I please send us an email at [email protected] or you can reach:
Kristen Sparkman (903)245-4778
Robin Patino (936)208-6808

Kristen and Robin give you the run down on PMI, and how it helps first time home buyers get into their dream home without having 20% cash for a down payment. They also explain what it is and how to get it removed once your home value meets the criteria. If you have additional questions about PMI or other home buying topics please reach out to Kristen or Robin at [email protected] or by calling or text at:
Kristen- 903.245.4778
Robin- 936.208.6808

Kristen and Robin share important questions to ask your mortgagge lender when getting ready to buy your first home. These questions help you understand the process of financing a home as well as the cost, and how to find the best fit for you! If you have additional questions please email [email protected] or reach out to Kristen and Robin in person by calling or texting:
Kristen- 903.245.4778
Robin-936.208.6808

Kristen and Robin discuss the pros and cons of different sites and apps to search for homes online and where they recomend looking first. They also discuss different ways to find homes in the areas of interest in a competitive market, before they are listed online as well as a tip for finding a realtor to work with!

Kristen and Robin discuss whether or not lenders require home inspections, how lenders determine the home value, and what you NEED to know!
Your feedback is welcomed and appreciated, and we enjoy all the great questions! You can reach reach us at [email protected]

Kristen- (903)245-4778
Robin-(936)208-6808

Kristen and Robin jump into the discussion about the current stte of the market and whether now is still a good time for home shopping. Is the impending recession a reason to wait?
If you have additional questions or feedbacl for Kristen and Robin please send us an email at [email protected]

Kristen Sparkman (903)245-4778
Robin Partino (936)2086808

In this episode Kristen and Robin review the final walk-thru. What to bring, what to evaluate, and what to expect should anything unexpected arise!
As always your questions and feedback and be directed to Kristen and Robin via email at [email protected]
Kristen-(903)245-4778
Robin- (936)208-6808

Today Kristen and Robin have guest speaker Howard join them to discuss all things appraisal. Howard is a double major graduate from Baptist University with a BA in Finance and Mgmt. He has been a certified appraiser for 35 years and most of his work has been in Houston, TX. He spent a few years in Austin, San Antonion, Dallas and McAllen, and a short period in other states. His knowledge and wisdom on appraisals will equip you to know what to look for in your report, when to have an appraisal done, and what the difference between the appraisal the market analysis from your realtor are! If you have any questions or want to reach Howard, his office number (281)778-1145. As always, Kristen and Robin are available at [email protected] or you can reach out via phone or text at:
Kristen Sparkman-(903)245-4778
Robin Patino_(936)208-6808
Kristen and Robin are both licensed Realtors with New Hope Realty Group- WLR- and welcome your feedback.