Time to Move

Research is a good thing, but now it's time to call me and put your research into action.


(However since Realtor.com gets its information from the MLS, I can set you up for an even better search!)

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 I was recently asked,
“What expenses are added on to the mortgage?”

The answer is:  
The items associated with a mortgage payment usually include the principle and interest payments on the loan and then the monthly taxes and insurance costs for the house.

The total monthly payment will be based on the amount of the mortgage, the interest rate you have and your escrows for taxes and insurance.

Contact me for information on contacting a mortgage professional and the details on buying a house, then let’s get to work and find your new home.

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Are You Behind in Payments?

Do you realize there is still a housing crisis. There is a segment of home owners who have fallen behind in their payments, but the mortgage company is not actively pursuing that foreclosure.

There is a  reason for this. Mortgage companies have been slow in reacting to these borrowers because in the past few years, house prices have been down and there was more potential for them to take a larger loss on the short sale or the foreclosure.

However, house prices have been increasing and the market is getting much more active as buyers are realizing the current mortgage rates are so low and they can now buy a house and have less of a payment than their rent for an apartment.

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Category: Arvest News

‘Tis the season for holiday celebrations! Whether it’s an intimate dinner party or a blowout bash, there are ways to throw a great party without breaking the bank.

  • Make it a team effort. Share hosting duties – and expenses – with a friend, plus the extra help will make it less stressful too! Or, involve your guests by asking them to bring their favorite wine or dessert to share with the group.
  • Keep the list short. You don’t have to invite the entire neighborhood or everyone in your office to your party. Narrow down your guest list and you’ll save money on the cost of the food and drinks. This will give you more time to enjoy your guests too, rather than constantly making the rounds and worrying if everyone is having fun.
  • Be progressive.Get a small group of friends together for a progressive dinner where each friend hosts the group for one course of the meal. Then, it’s off to another home for the next course. This is a great way to split up the costs and the work!
  • Downsize. A full bar, 10 appetizers or a six-course meal is not required to make your guests happy. Stick with a few crowd favorite dishes and drinks for your friends to nosh on while they mingle.
  • Simplify the invitations. You don’t have to send custom invitations on expensive stationery. If you’re having a casual soiree, consider an email invitation using a free online invitation service like evite.com*. If you feel like you need to send an invitation by mail, try a DIY invitation. Check out Pinterest* for ideas or purchase a downloadable template on Etsy* that you can print at home.

With a little planning you can stick to your budget without missing all the fun!

Links marked with * go to a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

Visit houselogic.com for more articles like this.



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Annual Maintenance

home maintenance 250.jpgA common expectation of homeowners is to want the components and systems in their home to work when they need them. Periodic maintenance is just as important as having a trusted service provider to make necessary repairs.

Victims of Murphy’s Law can attest that their air conditioner goes out on the hottest day of the year or the water heater fails when you have out of town visitors.

If the convenience of having things work doesn’t justify maintaining your home’s systems, consider that it can be less expensive than the results of neglect causing repairs or replacement.

  • Replace burned-out, dim or missing bulbs in light fixtures and lamps. Consider switching to LED bulbs.
  • Dryer exhaust vents build up lint even though you may be cleaning the filter regularly.
  • Fire extinguishers need to be recharged or replaced after expiration date.
  • Establish a recurring appointment on your calendar to change filters in your HVAC.
  • Replace missing or damaged caulk around sinks, bathtubs, showers, windows and other areas.
  • Clean gutters.
  • Schedule an inspection with a pest control a minimum of once a year unless you have a service contract.
  • Schedule a chimney cleaning prior to using the fireplace for the first time in the season.
  • Keep all tree branches and shrubs trimmed away from the home.
  • Pressure wash exterior, deck, patio, sidewalks and driveway.
  • Keep levels of insulation in the attic above your ceiling joists.
  • Check appliances with water lines for leaks or worn hoses. 
    • ice maker  • washing machine   • dishwasher   • others
  • Test all GFI breakers and reset.
  • Inspect all electrical outlets for broken receptacles, fire hazards or loose fitting plugs.
  • Have furnace and air conditioner serviced annually.
  • Test smoke and carbon monoxide detectors and change batteries.

The early fall is a great time to take care of these items before the weather becomes harsh.

Moms and dads are buying houses with the consideration of space where youngsters and their pals could hang out …

Residential developers state they’re responding to parents who wish their adolescents and preteens would invest additional time at the house. They are setting up specific areas, from a one-bedroom size to a thousand square feet or more where children could relax, play games and delight their good friends.

The room might consist of a ping-pong table or a billiard table, a recording studio, a pinball device, a cooking area or even a movie theater for motion pictures and video games.

Moms and dads have the tendency to make computer screens large so they could watch just what children are seeing.

As part of a whole-house remodel, Christine Markatos Lowe developed a
kid’s lounge off the home’s kitchen area. The customers’ two children claim it’s fun to go there after a long day at school. They unwind on the couch and play video clips, video games or watch tv.

Household specialists at The Wall Street Journal report that, as households become smaller when kids move out, and lots of residences are large, the teen area has evolved into a social facility in its very own right.

Psychologists think that moms and dads today spend more time with their children compared to past preferences. We are experiencing a loving and diligent generation of parents.

One mother turned the swimming pool house into a teen lounge for her child’s 16th birthday party. One objective: to urge him to invest even more time at home after he acquired his driving privileges.

Moms and dads state the tween and teen area can aid in maintaining peace throughout the other locations in the home. Children require space to hang out leaving other areas where moms and dads need serenity so they can loosen up.

Realty experts recommend that the teen areas must be developed in a way that makes it fairly easy to transform them back into your home. One appraiser states a teen room is a feature that doesn’t add much value when offering a residence for resale.


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Do you know about the current bond money available?

Do you realize you may be eligible?

This would mean less money out of your pocket when buying your new home!!

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There is also this information.

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