Cynthia West EllisABR, AHS, CMS, CNHS, CNS, CRS, PMN, RCC, 203k Specialist(469) 556-3231 Direct(972) 704-2932 FaxTHINKING ABOUT BUYING OR SELLING A HOME?WHAT QUESTIONS DO YOU NEED TO ASK?~~BUYERS BEWARE ~~DON'T EXPERIENCE BUYERS REMORSE!WHAT QUESTIONS DO YOU NEED TO ASK:HOW MUCH ARE THE CLOSING COSTS?WHO PAYS FOR THEM?WHO PAYS FOR MY REPRESENTATIONS?WHAT DO YOU NEED TO GET STARTED?WHAT ABOUT GREEN/ENERGY EFFICIENT HOMES?CALL YOUR FIVE STAR REALTOR TO ANSWER THESE QUESTIONS AND MORE - BE FULLY INFORMED.
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Credit Card Wisdom-Paying revolving credit cards down is generally more beneficial than, for example, paying down student loans, mortgage or auto loans.-Always leave a 30% or higher gap between what you owe on the card and the card´s limit. Lenders look for this minimum gap.-Use cards with care even if you pay off balances each month because depending upon statement dates, the lender may see big balances.-Pay down the cards closest to their limits first for speedier credit repair. The lending bank will then see the "gap" it wants to see.-Do not ask a creditor to lower credit limits or close out your card account. Keep the account open. -Generally, carrying smaller balances on several cards is better than one large balance on one card.-Check your credit card limits to make sure the report is correct. Limits may not be reported on all cards.-Never make a late payment on credit cards or any loan.
Protesting Items
It is important not to worry about smaller items like incorrect address information or an old employer listed as current. This is, of course, unless there is the possibility of identity theft or the file is mixed with someone else´s.
This is certainly not an all-inclusive list of the steps that can be taken to improve a credit score, but it is a great start if you are wanting to focus on your scores and debt-to-income ratio.* Not sure what your credit scores are?* How do you calculate debt-to-income ratio?If you would like to know more or wanting some assistance with your credit repair, just give me a call 469-556-3231
USDA RURAL DEVELOPMENT HOME LOAN GUIDELINES
Applicant Qualifications
?
Loan Terms
Eligible Areas
TEXAS VET LOANS
Requirements:
Must be the veterans primary residence
Must be located in Texas
Must be a single family attached or detached home, town home,
condo or planned unit development
Duplexes or other multi-family units must have been constructed
at least five years prior to the closing date of the loan
All new construction homes must meet the EPA guidelines for
Energy Star® qualified homes, and must be ENERGY STAR®
labeled and certified
Please check the following website for weekly rates: wwwdb.glo.state.tx.us/vlb/general/interest.cfm
SSSSSSS SELLING YOUR HOME ??CYNTHIA CAN HELP YOUSELL YOUR HOMEGet The Highest Price,Quickly and EasilyCall her Today and Get:A realistic price for your homeProfessional Representation in purchasing a NEW HomeAn HONEST assessment of what your home needs to be more marketableHelp in dealing with complicated Disclosure LawsA competitive advantage with a Five Star Realtor working for YOU
When choosing Cynthia West Ellis to service your real estate needs, you can be assured that you'll be working with a Five Star Realtor who has experience, knowledge and expertise in the world of real estate. You can feel at ease knowing that your real estate agent is well-equipped to understand the constantly changing market dynamics and evolving consumer behavior. When it's time to close the purchase or sale of your home, you can be confident that you have a highly qualified and skilled real estate negotiator in your corner dedicated to delivering the best service possible.
If you currently own property and are thinking of placing it on the market, this site contains information about preparing your home for sale,pricing your home appropriately, marketing it effectively, going through the inspection processes, and receiving a timely market evaluation, which we can help you with, to make selling your home a smooth and easy process. Lake Ray HubbardBeing located right off of Lake Ray Hubbard gives me a chance to introduce my clients to a very serene environment. Can you imagine waking up in the morning looking out your bedroom window to the sun rising over the calm gentle water? It's just amazing. The lake is also great for weekend family fun. There is fishing, boating, lakeside marina activities and camping. ****************************************************************************** ** 1 ST TIME HOMEBUYERS ** Go to the TAX INFO button for the NEW 2010 Tax CreditStill available for our Armed Forces until 2011ASK ME HOW????(SEE DETAILS - IT IS AWESOME)*******************************************************************************
****************************************************************************** ** 1 ST TIME HOMEBUYERS ** Go to the TAX INFO button for the NEW 2010 Tax CreditStill available for our Armed Forces until 2011ASK ME HOW????(SEE DETAILS - IT IS AWESOME)*******************************************************************************
SELLERS: Have you ever wondered..."What's my house worth?" The Cindy Ellis is here to help you answer that question!Just Click Your Homes's Value to find out! BUYERS: Would you like to receive the most recent listings delivered to your email daily??The Cindy Ellis can do that for you! Just Click Dream Home Finder and fill in the requested information or search for youself at Property Search!
SELLERS: Have you ever wondered..."What's my house worth?" The Cindy Ellis is here to help you answer that question!Just Click Your Homes's Value to find out!
BUYERS: Would you like to receive the most recent listings delivered to your email daily??The Cindy Ellis can do that for you! Just Click Dream Home Finder and fill in the requested information or search for youself at Property Search!
"CERTIFICATIONS & DESIGNATIONS"ABR - Accredited Buyer RepresentativeAHS - Affordable Housing Specialist1031 ExchangeCMS - Certified eMarketing SpecialistCNHS - Certified New Home SpecialistCNS - Certified Negotiation SpecialistCRS - Certified Residential SpecialistPMN - Performance Management NetworkRCC - Residential Construction Certified203k Specialist - Rebuilding America One Dream at a Time!
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Thank you for signing the guest book... First Name* Last Name* E-mail* Telephone* Questions? By submitting this form with your telephone number you are consenting for this website's authorized representatives to contact you even if your name is on the Federal "Do not call List" Return to: Dallas Real Estate About - Featured Listings - Search for Homes - Free Reports Favorite Links - Apply Online - School Info - Community Links Dream Home Finder - Resource Center - Your Home's Value - Local Partners FHA Limits by FHA.comYou are the 39,588th visitor to my website.Real Estate Websites by Advanced Access © 1998-2012
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