Relocating to Kaufman Texas

04/20/2023

03/28/2023

02/01/2023

Take a look at this home I found on Realtor.com
1425 Hillcrest St, Mesquite
$180,000 · 3beds · 3baths

https://apps.realtor.com/mUAZ/7r3ymgfj

1425 Hillcrest St, Mesquite, TX 75149 is for sale. View 8 photos of this 3 bed, 3 bath, 965 sqft. single-family home with a list price of $180000.

08/09/2022

👀👀👀👀

08/03/2022

What Is A Bridge Loan?
A bridge loan lets you borrow against the equity in your current home to use as the Down Payment Funds for the new house. Whenever your old home sells, your bridge loan is paid off.

In order to utilize a bridge loan, you will typically need to have more than 20% equity in your current home.

The maximum size of your bridge loan will usually be limited to an 80% Combined Loan-to-Value (CLTV) and up to 50% of the value of your property.

The cost of a bridge loan can vary depending on the financing and whether or not an appraisal is needed. The fees are typically less than a regular refinance but can still be in the $1k-2k+ range.

An additional closing is needed with a bridge loan.

Most banks can close bridge loans in about 3 weeks.

Tammie Caballero, Mortgage Loan Officer, NMLS #291223 City Bank 469-602-8962 [email protected]

07/27/2022

My favorite LO🤗

Call me for financing - 469-602-8962 [email protected]
Tammie Caballero, Mortgage Loan Officer, NMLS #291223 City Bank

07/25/2022

NEW TEXAS LAW FOR HOMEOWNERS AND HOA’S BEGINNING SEPTEMBER 1, 2022:

• Senate Bill 1588:

• Homeowners anywhere in Texas will be allowed to put up a perimeter fence around their property for added security (front, sides, and/or back of homeowner’s property). The law specifically states that homeowners associations (HOA’s) cannot restrict it (i.e: New fence/gate around homeowner’s front yard/driveway). Homeowners associations are allowed to enforce covenants which mandate the type of fence material that must be used. If required by the HOA, homeowners must obtain prior approval for the material of any new fence being built, but not the fence itself. Replacement of established fences (i.e: backyard fences) with existing material, do not need prior approval.

• Homeowners are allowed to install a perimeter fence around their pool, as well as security cameras and motion sensors on their property without prior approval. HOA’s are allowed to enforce covenants which prohibit homeowners from installing security measures outside of the homeowner’s property.

• HOA’s are prohibited from restricting homeowners who display religious items on their property. HOA’s may only enforce covenants which prohibit religious items that violate a law, contain graphic language, pose a threat to public health/safety, or are offensive to the public (other than its religious content).

• Resale certificate fees are now capped at $375 and updated resale certificate fees at $75. Deadline for HOA to deliver such certificate is now 5 days as opposed to 7. Homeowners are now permitted to seek a judgement against HOA for no more than $5,000 for failure to deliver certificate in a timely manner.

• If your HOA board makes a budget amendment, they must do it now at an open public meeting.

• Any HOA must obtain bids before awarding any contract more than $50,000.

• The bill prohibits a person from serving on an architectural review committee (“ACC”) if the person is: 1) a current board member; 2) a current board member’s spouse; or 3) a person residing in a current board member’s household.

• If you are late paying your HOA dues, your HOA can still report you to a credit reporting agency but they can’t charge you the fee to do that. You now have 45 days instead of 30 days to cure a delinquency. HOA must now send homeowner requisite enforcement action “209” notice prior to reporting to credit agency.

Bill has been passed and goes into effect on September 1, 2022

07/06/2022

Here for all your buying and selling needs 🙂

Happy Wednesday Everyone!

06/24/2022

Happy Friday!

06/24/2022

Sometimes you need to think about things 😂😂

😂😂

06/23/2022

Know what the market is doing, hire a Realtor😁