Ernest Pujals

Calling all women of Bridlewood, located in Flower Mound, Texas! The Bridlewood Women's Association is always looking for women to connect with other women who live in Bridlewood in Flower Mound to help aid local charities by raising funds. Bridlewood Women's Association does this through luncheons, evening events as well as through community partnership. This non-profit woman's organization is dedicated to aiding those less fortunate. Established in the heart of Flower Mound, the Bridlewood Women's Association has aided many local charities for over 7 years. In 2009, the following charities were supported by the Bridlewood Women's Association:

•· Christ Haven Children's Home

•· Cross Timbers Care Center

•· Denton County Friends of the Family

•· Flower Mound Police Dept- Santa Cops

•· The Children's Advocacy Center

•· The North Texas Food Pantry

•· Youth and Family Counseling of Denton County

Bridlewood Women's Association 2010 Charities year-to date:

•· Pedi Place

•· The Children's Advocacy Center

•· Susan G. Komen Foundation

There are four Bridlewood Women's Association events a year which include: a Valentine's Bash, Spring Brunch, Fall Into Fashion Luncheon and the Holiday Tour of Homes. The most recent event was the Fall Into Fashion Luncheon on October 13, 2010. All donations raised went to the Susan G. Komen Foundation.

The next Bridlewood Women's Association event will be the Holiday Tour of Homes held on Thursday, December 9, 2010 (time to be announced). This is a fantastic event to get Holiday decorating ideas through the many different homes toured.

If you would like to be added the Bridlewood Women's Association evite distribution list, please visit www.yourbwa.org to subscribe to the mailing list. For additional questions, please email info@yourbwa.org.

For more information on real estate in Flower Mound, visit Ernest Pujals at www.ernestrealty.com . Also if you are interested in taking advantage of historically low interest rates contact Shelley Connell the co author of the article at www.shelleyconnell.com

I was going through some real estate related news and saw a great article from the Wall Street Journal quoting hedge fund Tycoon John Paulson He went on to say that it was a great time to buy a home. With all the bad media today and the gloom and doom, it was great to see some positive news. With all the foreclosures and the short sales in Dallas and surrounding area, there are all kinds of opportunity for potential buyers. There is also a silver lining in the cloud for anyone concerned about a personal economic situation there are many available options other than Foreclosure, that did not exist a short time ago.

Why don't we start by explaining what are Foreclosures and Short Sales in our area of Dallas and surrounding areas? Here is a list for an example of a list Most people understand that a foreclosure is when a bank or mortgage company takes a home away from the person(s) that owned it due to an inability to make payments. What is not always understood is that as far as an investor or a purchaser, there are really 3 types of foreclosures for sale. A true foreclosure is one that you would buy on a cash basis on the county courthouse steps. This is where you hear about the mind-blowing deals. The second is where most of the purchasing public falls into, which is a Bank Foreclosure. This is a property that has already been through the courthouse steps process and for some reason has ended up the property of the bank. The bank then sells them to the public. The benefit of this is the public can get regular financing to purchase the home and can also have the home inspected, both of which cannot be done on a foreclosure sold on the courthouse steps. The third type of foreclosure is a VA or FHA, also known as a HUD foreclosure. This type is when the government insuring those properties takes them back for nonpayment. The VA foreclosures work very similar to the bank foreclosure in that you make an offer in the traditional manner only on the VA forms. One different is that VA and HUD both have their own websites to see there foreclosure inventory. A HUD foreclosure differs in the fact that it is done in a bid format. This means everyone places their offer to HUD electronically and the highest net to HUD usually wins. I say usually, because HUD will always prefer an owner occupant vs. an investor. With the prices all of the three types of foreclosures offered you cannot go wrong! With financing hovering around 4% (October 2010) this is a win win situation. In the words of John Paulson 9/27/2010: "If you don't own a home, buy one. If you own one home, buy another one. And if you own two homes, buy a third and lend your relatives the money to buy one."

Other home purchase opportunities are what are called short sales. Short sales are where an owner decides for a hardship reason to sell the home. Through a short sale they are able to sell the home at a loss to avoid foreclosure or additional hardship. A short sale is when the bank approves that the seller can sell the home for less than they owe the bank. As a buyer, this means you are able to purchase a home at a great price. As the seller/owner, they are able to sell their home and pay off the bank with less than they owe and avoid foreclosure, in many cases with out severe dings on their credit. Buyers should be aware though that the Short sales process many times takes longer to close than a traditional sale. With the development of HAFA and HAMP programs the banks are now required in some cases to move in an expeditious manner and have clear terms of negotiations for homes in Dallas and surrounding areas. Just to give you an example, we were able to help one of our clients purchase a home tax valued at $220,000 for approximately $155,000! At that home price of $155,000 with today's rates the principal and interest on an FHA loan would be only $735.82. Two years ago that same payment would have been a home purchase of only $120,000! Payment scenarios provided are by Shelley Connell. If you would like your own payment scenario run please call Shelley Connell at 972.899.5160.

If you happen to be caught in an economic spiral and need some help please keep the short sale concept in mind. We have seen many people save their credit and even in some cases the banks became more accommodating in working something out. If you have any questions on either side of a short sale or foreclosure in the Dallas and surrounding areas, contact me, Ernest Pujals at 214-714-5772. If you find yourself in a situation and see no way out on your home, Coppell, Valley Ranch and surrounding areas let us see what we can do to help we have been helping people in the Ffor the last 19 years. Call us Ernest Pujals 214-714-5772 or visit us on the Web at www.ernestrealty.com. If you would like a list of foreclosures or shortsales at no obligation go to www.ernestrealty.com or email at ernest@kw.com .If you would like to refinance your current mortgage, to take advantage of the historically low rates contact Shelley Connell at 972.899.5160 or visit www.shelleyconnell.com. Or to purchase a home in Dallas and surrounding areas.

I was going through some real estate related news and saw a great article from the Wall Street Journal quoting hedge fund Tycoon John Paulson He went on to say that it was a great time to buy a home. With all the bad media today and the gloom and doom, it was great to see some positive news. With all the foreclosures and the short sales in Coppell, Valley Ranch and surrounding area, there are all kinds of opportunity for potential buyers. There is also a silver lining in the cloud for anyone concerned about a personal economic situation there are many available options other than Foreclosure, that did not exist a short time ago.

Why don't we start by explaining what are Foreclosures and Short Sales in our area of Coppell, Valley Ranch and surrounding areas? To get an Idea of the foreclosures available you can go click here. Most people understand that a foreclosure is when a bank or mortgage company takes a home away from the person(s) that owned it due to an inability to make payments. What is not always understood is that as far as an investor or a purchaser, there are really 3 types of foreclosures for sale. A true foreclosure is one that you would buy on a cash basis on the county courthouse steps. This is where you hear about the mind-blowing deals. The second is where most of the purchasing public falls into, which is a Bank Foreclosure. This is a property that has already been through the courthouse steps process and for some reason has ended up the property of the bank. The bank then sells them to the public. The benefit of this is the public can get regular financing to purchase the home and can also have the home inspected, both of which cannot be done on a foreclosure sold on the courthouse steps. The third type of foreclosure is a VA or FHA, also known as a HUD foreclosure. This type is when the government insuring those properties takes them back for nonpayment. The VA foreclosures work very similar to the bank foreclosure in that you make an offer in the traditional manner only on the VA forms. One different is that VA and HUD both have their own websites to see there foreclosure inventory. A HUD foreclosure differs in the fact that it is done in a bid format. This means everyone places their offer to HUD electronically and the highest net to HUD usually wins. I say usually, because HUD will always prefer an owner occupant vs. an investor. With the prices all of the three types of foreclosures offered you cannot go wrong! With financing hovering around 4% (October 2010) this is a win win situation. In the words of John Paulson 9/27/2010: "If you don't own a home, buy one. If you own one home, buy another one. And if you own two homes, buy a third and lend your relatives the money to buy one."

Other home purchase opportunities are what are called short sales. Short sales are where an owner decides for a hardship reason to sell the home. Through a short sale they are able to sell the home at a loss to avoid foreclosure or additional hardship. A short sale is when the bank approves that the seller can sell the home for less than they owe the bank. As a buyer, this means you are able to purchase a home at a great price. As the seller/owner, they are able to sell their home and pay off the bank with less than they owe and avoid foreclosure, in many cases with out severe dings on their credit. Buyers should be aware though that the Short sales process many times takes longer to close than a traditional sale. With the development of HAFA and HAMP programs the banks are now required in some cases to move in an expeditious manner and have clear terms of negotiations for homes in Coppell, Valley Ranch and surrounding areas. Just to give you an example, we were able to help one of our clients purchase a home tax valued at $220,000 for approximately $155,000! At that home price of $155,000 with today's rates the principal and interest on an FHA loan would be only $735.82. Two years ago that same payment would have been a home purchase of only $120,000! Payment scenarios provided are by Shelley Connell. If you would like your own payment scenario run please call Shelley Connell at 972.899.5160.

If you happen to be caught in an economic spiral and need some help please keep the short sale concept in mind. We have seen many people save their credit and even in some cases the banks became more accommodating in working something out. If you have any questions on either side of a short sale or foreclosure in the Coppell, Valley Ranch and surrounding areas, contact me, Ernest Pujals at 214-714-5772. If you find yourself in a situation and see no way out on your home, Coppell, Valley Ranch and surrounding areas let us see what we can do to help we have been helping people in the Ffor the last 19 years. Call us Ernest Pujals 214-714-5772 or visit us on the Web at www.ernestrealty.com. If you would like a list of foreclosures or shortsales at no obligation go to www.ernestrealty.com or email at ernest@kw.com .If you would like to refinance your current mortgage, to take advantage of the historically low rates contact Shelley Connell at 972.899.5160 or visit www.shelleyconnell.com. Or to purchase a home in Coppell, Valley Ranch and surrounding areas.

I was going through some real estate related news and saw a great article from the Wall Street Journal quoting hedge fund Tycoon John Paulson He went on to say that it was a great time to buy a home. With all the bad media today and the gloom and doom, it was great to see some positive news. With all the foreclosures and the short sales in Flower Mound and surrounding areas, there are all kinds of opportunity for potential buyers. There is also a silver lining in the cloud for anyone concerned about a personal economic situation there are many available options other than Foreclosure, that did not exist a short time ago.

Why don't we start by explaining what are Foreclosures and Short Sales in our area of Flower Mound or surrounding areas? To get an Idea of the foreclosures available you can click here. Most people understand that a foreclosure is when a bank or mortgage company takes a home away from the person(s) that owned it due to an inability to make payments. What is not always understood is that as far as an investor or a purchaser, there are really 3 types of foreclosures for sale. A true foreclosure is one that you would buy on a cash basis on the county courthouse steps. This is where you hear about the mind-blowing deals. The second is where most of the purchasing public falls into, which is a Bank Foreclosure. This is a property that has already been through the courthouse steps process and for some reason has ended up the property of the bank. The bank then sells them to the public. The benefit of this is the public can get regular financing to purchase the home and can also have the home inspected, both of which cannot be done on a foreclosure sold on the courthouse steps. The third type of foreclosure is a VA or FHA, also known as a HUD foreclosure. This type is when the government insuring those properties takes them back for nonpayment. The VA foreclosures work very similar to the bank foreclosure in that you make an offer in the traditional manner only on the VA forms. One different is that VA and HUD both have their own websites to see there foreclosure inventory. A HUD foreclosure differs in the fact that it is done in a bid format. This means everyone places their offer to HUD electronically and the highest net to HUD usually wins. I say usually, because HUD will always prefer an owner occupant vs. an investor. With the prices all of the three types of foreclosures offered you cannot go wrong! With financing hovering around 4% (October 2010) this is a win win situation. In the words of John Paulson 9/27/2010: "If you don't own a home, buy one. If you own one home, buy another one. And if you own two homes, buy a third and lend your relatives the money to buy one."

Other home purchase opportunities are what are called short sales. Short sales are where an owner decides for a hardship reason to sell the home. Through a short sale they are able to sell the home at a loss to avoid foreclosure or additional hardship. A short sale is when the bank approves that the seller can sell the home for less than they owe the bank. As a buyer, this means you are able to purchase a home at a great price. As the seller/owner, they are able to sell their home and pay off the bank with less than they owe and avoid foreclosure, in many cases with out severe dings on their credit. Buyers should be aware though that the Short sales process many times takes longer to close than a traditional sale. With the development of HAFA and HAMP programs the banks are now required in some cases to move in an expeditious manner and have clear terms of negotiations for homes in Flower Mound and surrounding areas. Just to give you an example, we were able to help one of our clients purchase a home tax valued at $220,000 for approximately $155,000! At that home price of $155,000 with today's rates the principal and interest on an FHA loan would be only $735.82. Two years ago that same payment would have been a home purchase of only $120,000! Payment scenarios provided are by Shelley Connell. If you would like your own payment scenario run please call Shelley Connell at 972.899.5160.

If you happen to be caught in an economic spiral and need some help please keep the short sale concept in mind. We have seen many people save their credit and even in some cases the banks became more accommodating in working something out. If you have any questions on either side of a short sale or foreclosure in the Flower Mound or surrounding areas please call me, Ernest Pujals at 214-714-5772. If you find yourself in a situation and see no way out on your home, let us see what we can do to help we have been helping people in the Flower Mound and surrounding areas for the last 19 years. Call us Ernest Pujals 214-714-5772 or visit us on the Web at www.ernestrealty.com. If you would like a list of foreclosures or shortsales at no obligation go to www.ernestrealty.com or email at ernest@kw.com .If you would like to refinance your current mortgage, to take advantage of the historically low rates contact Shelley Connell at 972.899.5160 or visit www.shelleyconnell.com. Or to purchase a home in Flower Mound or surrounding areas

Flower Mound Fitness

One of the neatest things about our town is the vast opportunities to enjoy a healthy and happy fitness lifestyle. We are not short of Flower Mound parks, jogging trails, fitness clubs and of course the lake for water sports. That's why staying in shape if Flower Mound if not easy defiantly has many choices for it's residents fitness. From Mountain Biking around the lake to long bike rides in the country have it all. We are also able to enjoy what seem to be limitless jogging trails following along Golf Courses like Bridlewood to multiple walkways in Wellington. You can go boating one day jogging the next and Biking the third. Flower Mound is also not short of some wonderful Fitness clubs and some excellent private trainer facilities.

The center of Flower Mound's Fitness Community is one of the nation's premier fitness centers Life Time Fitness of Flower Mound Texas. Life time Fitness has been embedded within the Flower Mound community since 2004. Located within walking distance from Flower Mound High. Adjacent to the neighborhoods of Bridlewood, Wellington, and Westchester, one city block west of Long Prairie rd and Cross Timbers in Flower Mound. Life Time Fitness serves the health and fitness needs for members and their families 24 hours a day seven days a week.

The club recently underwent a massive restoration and remodel. New additions to the facility include a modern cycle studio, a larger advanced training and stretching floor, and updated cardio cross training equipment. The center even donated its resistance machines and cardio equipment that were being replaced to the local Flower Mound Fire Dept. and has also given to institutions in need through the Life Time Fitness Foundation. Grand re opening Open House spooktacular scheduled the weekend of October 23 during which time anyone can come and enjoy the club for the weekend for free, there will be quite a bit of fun for the whole family, especially the children. The Children will have there very own spooktacular with bounce houses and a live petting zoo and of course plenty of candy. You will be able to see the updated Flower Mound facility sure to serve the health and fitness needs of the active Flower Mound community for years to come. Besides the actual facilities, that are over 100000 square feet of fitness the club exhibits coordinated running clubs, cycling clubs and even walking clubs for those who like to exercise with others. They are also great if you have never worked out before there services include fitness evaluations group fitness classes and you can also choose from a large group of personal trainers to help you achieve your health and fitness goals. If you any questions about the club contact Spencer Kimball. Direct 972 956 5218 or via e-mail at skimball@lifetimefitness.com. Don't for get to come by and enjoy the Open House Spooktacular and come by and Visit me, Ernest Pujals, at out table in the Gym and meet Flower Mound's very own redheaded mortgage girl, Shelly Connell. Hope to see you there!!!