What Our Clients Have To Say About Us
Monday, January 23, 2012
Postage Rates Just Went Up AGAIN
Did you remember that postage rates increased today? YES, as of Monday, January 23, 2012 first class letters are 45¢ and postcards increased to a whopping 32¢. If you are on the RozierTeam mailing list then you should have gotten a card alerting you to the change plus a supply of penny stamps to help you use up any old stamps you may have left over. Not on the RozierTeam mailing list??? Send us an email info@RozierTeam.com and we’ll add you. You’ll find there are many benefits knowing the RozierTeam besides our real estate expertise.
Wednesday, January 11, 2012
Energy efficient rental in Katy ISD
Huge and affordable rental in Katy
Saturday, December 31, 2011
Mortgage Rates Rebound All Time Lows
Click this link below to find out why NOW is absolutely the right time for you to buy your next home. So many benefits:
Contributed by Barbara Rozier; Keller Williams Premier Realty Katy; 22762 Westheimer Pkwy, Ste 430; Katy TX 77450. To start the journey to your new home call the RozierTeam directly at 281-395-0680.
- You can leverage your assets more efficiently.
- Buy the home of your dreams at a much lower mortgage payment.
- Buy a larger home for the same that the smaller ones were previously priced.
- Buy your first home and most likely pay less per month than you are for rent.
- If you are buying and selling then your current home more affordable to the buyer hopefully making a quicker sale.
- You will have the RozierTeam to guide you through the process.
Contributed by Barbara Rozier; Keller Williams Premier Realty Katy; 22762 Westheimer Pkwy, Ste 430; Katy TX 77450. To start the journey to your new home call the RozierTeam directly at 281-395-0680.
Wednesday, December 14, 2011
Exquisite in Cinco Ranch
Affordable home in Cinco Ranch
One of the most affordable homes in Cinco Ranch!!! Open kitchen includes stainless steel appliances and granite transformation countertops. Fabulous location on a cul de sac lot, near all 3 schools, blocks from La Centerra, County library, water park, with easy access to Grand Parkway. Plantation shutters downstairs. Fresh interior paint in neutral color. Carpet replaced Dec 2011; 4 BR, walk in closets. FREE RECORDED INFO CALL 1-888-266-0724 CODE # 2159 Click ROZIERTEAM to see the photos. Keller Williams Premier Realty Katy; 22762 Westheimer Pkwy, Ste 430; Katy TX 77450. To see this home call the RozierTeam directly at 281-395-0680. Tuesday, November 22, 2011
TEXAS OUTPERFORMS NATION IN OCTOBER HOME SALES
Texas is the place to live. Look what I just read in RECON-Real Estate Center Online News
November 22, 2011
Copyright 2011. All rights reserved.
Material herein is published according to the fair-use doctrine of U.S. copyright laws related to non-profit, educational institutions. Items attributed to sources other than the Real Estate Center at Texas A&M University should not be reprinted without permission of the original source.
COLLEGE STATION (Real Estate Center) – Sales of existing single-family Texas homes in October were up 8 percent from a year ago, according to the most recent Multiple Listing Services (MLS) data compiled by the Real Estate Center at Texas A&M University.
More than 15,600 existing single-family homes were sold, data showed. The median home price was $147,500, up 2 percent from a year ago, and the state's overall inventory was at 6.9 months.
Meanwhile, the National Association of Realtors (NAR) reported yesterday that, nationally, existing home sales rose 1.4 percent to a seasonally adjusted annual rate of 4.97 million in October from a downwardly revised 4.9 million in September, and are 13.5 percent above the 4.38 million unit level in October 2010.
The national median price for existing homes was $162,500, which was 4.7 percent below October 2010.
Talking about the national numbers, Center Research Economist Dr. Jim Gaines said homebuyers continue to be frustrated by stiff mortgage underwriting and appraisals despite favorable buying factors such as low interest rates, sluggish but positive job creation and lower home prices.
"NAR reported contract cancellations at 33 percent in October, meaning that one in three sales contracts failed to close," Gaines said. "Sales agents should be very circumspect when qualifying buyers for mortgages, rather than being frustrated later because the deal does not close."
October 2011 MLS data for many Texas cities are available on the Center's website. Here is a sampling (data current as of Nov. 21, 2011):
If you know of anyone moving to Texas have them give us a call.
Posted by: Barbara Rozier-The RozierTeam
Phone: 281-395-0680
Keller Williams Premier Realty Katy
November 22, 2011
Copyright 2011. All rights reserved.
Material herein is published according to the fair-use doctrine of U.S. copyright laws related to non-profit, educational institutions. Items attributed to sources other than the Real Estate Center at Texas A&M University should not be reprinted without permission of the original source.
COLLEGE STATION (Real Estate Center) – Sales of existing single-family Texas homes in October were up 8 percent from a year ago, according to the most recent Multiple Listing Services (MLS) data compiled by the Real Estate Center at Texas A&M University.
More than 15,600 existing single-family homes were sold, data showed. The median home price was $147,500, up 2 percent from a year ago, and the state's overall inventory was at 6.9 months.
Meanwhile, the National Association of Realtors (NAR) reported yesterday that, nationally, existing home sales rose 1.4 percent to a seasonally adjusted annual rate of 4.97 million in October from a downwardly revised 4.9 million in September, and are 13.5 percent above the 4.38 million unit level in October 2010.
The national median price for existing homes was $162,500, which was 4.7 percent below October 2010.
Talking about the national numbers, Center Research Economist Dr. Jim Gaines said homebuyers continue to be frustrated by stiff mortgage underwriting and appraisals despite favorable buying factors such as low interest rates, sluggish but positive job creation and lower home prices.
"NAR reported contract cancellations at 33 percent in October, meaning that one in three sales contracts failed to close," Gaines said. "Sales agents should be very circumspect when qualifying buyers for mortgages, rather than being frustrated later because the deal does not close."
October 2011 MLS data for many Texas cities are available on the Center's website. Here is a sampling (data current as of Nov. 21, 2011):
Posted by: Barbara Rozier-The RozierTeam
Phone: 281-395-0680
Keller Williams Premier Realty Katy
Thursday, November 3, 2011
Buy a Home for $100 down payment
I just got this information from one of the lenders in the area.
After a short hiatus, the $100 down payment when buying a HUD Foreclosure program is back. This is a great program if you are looking to buy a HUD foreclosure as your primary home. Here are the general rules that you must know to qualify:
1. This program is only when buying a HUD Foreclosure.
2. You must buy the home for the List price or more to qualify for the $100 down payment
3. You will still have closing costs to pay, but you can negotiate with HUD to pay all or some of them
4. This is only when using a FHA loan. So the same great benefits: great rate, low mortgage insurance, etc.
5. $100 is way less than the 3.5% (of the sales price) that FHA normally requires for your down payment.
6. You can ROLL in the cost of some repairs. This is determined on what the home is worth “as is”. So, if sales price is $100k, but the as-is appraised value is $103,000, you could roll in $3000 of required repairs while simultaneously doing the $100 down program.
7. Your lender might be able to use the appraisal that HUD has done for the property, saving you the cost of another appraisal ($400), as long as the appraisal is less than 6 months old.
Not only is buying a foreclosure sometimes a great deal in itself, but buying one with only a down payment of $100 is fantastic news.
Give us a call and we'll help you find your next home.
David, Barbara and Elizabeth - The RozierTeam
Keller Williams Premier Realty Katy
22762 Westheimer Pkwy, Ste 430
Katy TX 77450
281-395-0680
After a short hiatus, the $100 down payment when buying a HUD Foreclosure program is back. This is a great program if you are looking to buy a HUD foreclosure as your primary home. Here are the general rules that you must know to qualify:
1. This program is only when buying a HUD Foreclosure.
2. You must buy the home for the List price or more to qualify for the $100 down payment
3. You will still have closing costs to pay, but you can negotiate with HUD to pay all or some of them
4. This is only when using a FHA loan. So the same great benefits: great rate, low mortgage insurance, etc.
5. $100 is way less than the 3.5% (of the sales price) that FHA normally requires for your down payment.
6. You can ROLL in the cost of some repairs. This is determined on what the home is worth “as is”. So, if sales price is $100k, but the as-is appraised value is $103,000, you could roll in $3000 of required repairs while simultaneously doing the $100 down program.
7. Your lender might be able to use the appraisal that HUD has done for the property, saving you the cost of another appraisal ($400), as long as the appraisal is less than 6 months old.
Not only is buying a foreclosure sometimes a great deal in itself, but buying one with only a down payment of $100 is fantastic news.
Give us a call and we'll help you find your next home.
David, Barbara and Elizabeth - The RozierTeam
Keller Williams Premier Realty Katy
22762 Westheimer Pkwy, Ste 430
Katy TX 77450
281-395-0680
Monday, October 31, 2011
Local Restaurant Guide
If you are like me, you have driven past many a restaurant and wondered if it is worth a try. I recently opened up my latest issue of Katy Lifestyles & Homes Magazine to see the Dining Guide. Running down the list I realized that I am a creature of habit. I have tried the majority of the list, but my local favorites are slim. Not that we don’t have an abundance of food option in Katy, I just tend to go to my favorites. If you want some good recommendations here are my favs, in not particular order except for my #1.
- Hacienda Guanajuato will always take #1 in my restaurant favorites! My current obsession is the Enchiladas Poblanas with are a close resemblance to Cyclone Anya’s Enchiladas Suiza. Tasty!
- At The Original Marini’s Empanada House I recommend the gaucho empanada alongside the caramel apple empanada for dessert.
- Hasta la Pasta has a dish I crave with the same name, the Hasta La Pasta. You can bet that if it takes the name of the restaurant, the chef must do a stand up job. Be sure to eat lots of the rolls with hot butter or the herbed olive oil, it will leave you in a carb euphoria!
- 9’ers Grill is cheaper than the large chain restaurants Red Robin and Fuddruckers but stays on par with the quality. My constant recommendation is just get a burger, any burger but add avocado!
- It’s dessert time! I love Ooh La La, but you must go to the one on Westheimer Pkwy if you want to enjoy the atmosphere. Their coffee is a few bucks cheaper than Starbucks and just as tasty, they have pie, cake, cake balls, cookies, and their best-known staple is their cupcakes. I have attended many a wedding or baby shower with cupcake towers. They also have cupcakes of the month, one I failed to try in time was their blueberry cupcake with maple icing…but their daily favorites are also a hit Margaritaville, Peach Melba, S’Mores and Pina Colada.
I eat out often, probably too often and as you can tell I appreciate local restaurants over big chain restaurants. If you want a local recommendation just let me know, chances are I have probably tried it!
Friday, October 14, 2011
Behind on your property taxes???
I was reading an article from the Real Estate Center in Texas located at Texas A&M University and thought I would pass along this information to you. Hopefully it won't pertain to you since you are up to date on your taxes. But you might know of someone who could benefit from it.
AUSTIN (Wilson County News) – Homeowners who fall behind on their property taxes may be tempted to take out a loan to pay off those taxes. However, the Better Business Bureau (BBB) strongly recommends doing a little homework first.
According to the BBB, the homeowner should:
• Call the taxing agency first. Most government agencies are willing to create payment plans and make other arrangements with those behind on tax payments. Certain individuals may even qualify for a property tax deferral. The homeowner should make sure every means of assistance available through the agency has been exhausted before considering a loan.
• Understand the process. A property tax loan provider will pay off the taxing entity, but that doesn’t mean taxes are paid. The tax lien simply transfers to the private lender.
• Pay attention to the terms. Find out how much, in total, the private lender will charge in interest and fees. The homeowner could end up paying more than he would have paid the taxing entity.
• Check other avenues. A property tax loan provider is not the only option. Check with banks for a lower-interest loan, or see if the balance can be paid with a credit card. The interest rate may be higher with a credit card, but the homeowner will keep the home should he default or file bankruptcy.
• Consult an attorney. A lawyer can help the homeowner negotiate with a taxing entity and understand the terms of a property tax loan, or help the homeowner decide whether or not to file bankruptcy. Texaslawhelp.org provides information to help those who cannot afford legal counsel, and can help find low-cost representation.
• Check out a lender’s BBB business review at bbb.org to see how many complaints have been filed against it before doing business. Also ensure the lender is licensed by the State of Texas.
And as always, give us a call if we can help you or someone you know buy or sell a home.
Posted by Barbara Rozier
The RozierTeam phone: 281-395-0680
Keller Williams Premier Realty Katy
22762 Westheimer Pkwy, Ste 430
Katy TX 77450
AUSTIN (Wilson County News) – Homeowners who fall behind on their property taxes may be tempted to take out a loan to pay off those taxes. However, the Better Business Bureau (BBB) strongly recommends doing a little homework first.
According to the BBB, the homeowner should:
• Call the taxing agency first. Most government agencies are willing to create payment plans and make other arrangements with those behind on tax payments. Certain individuals may even qualify for a property tax deferral. The homeowner should make sure every means of assistance available through the agency has been exhausted before considering a loan.
• Understand the process. A property tax loan provider will pay off the taxing entity, but that doesn’t mean taxes are paid. The tax lien simply transfers to the private lender.
• Pay attention to the terms. Find out how much, in total, the private lender will charge in interest and fees. The homeowner could end up paying more than he would have paid the taxing entity.
• Check other avenues. A property tax loan provider is not the only option. Check with banks for a lower-interest loan, or see if the balance can be paid with a credit card. The interest rate may be higher with a credit card, but the homeowner will keep the home should he default or file bankruptcy.
• Consult an attorney. A lawyer can help the homeowner negotiate with a taxing entity and understand the terms of a property tax loan, or help the homeowner decide whether or not to file bankruptcy. Texaslawhelp.org provides information to help those who cannot afford legal counsel, and can help find low-cost representation.
• Check out a lender’s BBB business review at bbb.org to see how many complaints have been filed against it before doing business. Also ensure the lender is licensed by the State of Texas.
And as always, give us a call if we can help you or someone you know buy or sell a home.
Posted by Barbara Rozier
The RozierTeam phone: 281-395-0680
Keller Williams Premier Realty Katy
22762 Westheimer Pkwy, Ste 430
Katy TX 77450
Subscribe to:
Posts (Atom)