Typically, everyone is pulling for the Dallas Cowboys... all year long... even during the offseason. So, its great when other Dallas Teams hit the spotlight. Takes a little pressure off of Tony Romo during the week.
I will disclose upfront that I am not a huge baseball fan, however, I always cheer for the home team. That being said, I am of course watching and pulling for the Texas Rangers ( who are now tied 1-1 with the St Louis Cardinals in the World Series). Im not sure if that qualifies me as a Band Wagon fan or not. After all, I do live in Texas so it only seems right to cheer on the home team!
Other successful Dallas Teams include the 2011 NBA Champions - Dallas Mavericks. Now, I am a HUGE basketball fan. Even before moving to Dallas in 2004 I was a Mavericks Fan (and still a Laker Fan as well).
What you may not be aware of is that Dallas has another winning team... FC Dallas, which is our MLS Team. Well, they just clinched a return trip to the MLS Cup Playoffs. Last year FC Dallas was the Western Conference Champions. We are lucky enough to be just 5 minutes from Pizza Hut Park in Frisco Texas, which is home of FC Dallas. This could be our year!!!
On October 23rd, there will be a FREE event at Pizza Hut Park - a Playoff Pep Rally - to celebrate FC Dallas when they return home. The event is from 6-8 pm. The full squad of FC Dallas will be there, taking pictures and celebrating.
Come out and support our team!
AND Tickets are on sale for FC Dallas Playoffs. Call 888-FCD-GOAL for tickets.
LETS GO TEXAS!!
Supreme Lending now offers FHA Home Loans to borrowers down to 620 Credit Scores.
There are a few lenders out there that are offering FHA Home Loans for Home Buyers with a FICO score down to 620. Many are offering the FHA products for home buyers and homeowners with a 640 FICO or above.
I can proudly say that Supreme Lending is now offering FHA Mortgages to Home Buyers in Texas and Homeowners looking to refinance their Texas home, with a Credit Score (FICO) down to 620.
If you have a FICO score that is below 620, no problem. Let's talk about your credit situation and see what steps can be taken to put you back on track and increase your score, so that in a few short months you'll be in a position to purchase (or refinance) your home.
Have a few questions? Call us so we can help you.
Other helpful reads about Your Credit Score and/or Getting Pre-Approved to Buy a Texas Home.
I look forward to helping you buy YOUR Texas Home!
FHA MIP Changes Effective April 18 2011
Its only a week away for yet another change which will effect homebuyers in Frisco Texas.
A few weeks back, it was announced within HUD Mortgagee Letter 2011-10 that there would be an increase in the Annual Mortgage Insurance Premium for all new FHA Case Numbers assigned on or after April 18, 2011.
If you recall, there were changes to the Mortgage Insurance Premium back in October 2010 which changed the UFMIP (UpFront Mortgage Insurance Premium) from 2.25% to 1%. That was great news, except that the Annual Mortgage Insurance Premium increased from .55% up to .90% (depending on the Loan To Value ratio).
So, how will this new change effect Homebuyers as of April 18th? Well, the good news is that the Upfront Mortgage Insurance Premium will not incease. It will remain at 1% of the Loan Balance.
The change is specific to the Annual Mortgage Insurance Premium which is increasing 25 BPS (or .25%). Below is a snap shot from the Mortgagee Letter 2011-10:
For a homebuyer, this means that your payment is going to increase on a monthly basis. If your principal balance is $180,000 with a 96.5% Loan-to-Value, your MIP payment would increase from $135.00 a month to $172.50 ($37.50 extra per month).
If you have would prefer not to have your payment increased, you only have two options. The first option is to have an offer accepted and your mortgage loan originator to create a FHA Case Number prior to April 18th. This is only suggested IF you already know the house of your dreams. Do not feel rushed to make a decision.
The second option is to look for a home that is slightly less costly. For example, instead of a home for $180,000, you could choose a home for $172,800.
This scenario may not fit your specific Texas home loan. Feel free to contact me to discuss your financial situation further.
Because there are so many options available to you, it's important to seek advice from an experience mortgage professional who has your best interest at heart. The first step in determining which Texas Home Loan Program is right for you is to ask yourself some important questions, which I've listed below. These questions can also help you confirm that you've chosen the right mortgage professional as well, because he or she should be asking you the same questions before trying to put any mortgage in place: The reason these questions are so important is that different loan programs will offer specific benefits thats important to borrowers at different stages of life. What one homeowner might find desirable may cause another homeowner to need some Rolaids(r). In the end, be sure you are given a complete picture of exactly how much your Texas Home Mortgage will cost you over the amount of time you anticipate having the loan in place. This is the single most important factor you should cover when shopping for a Home Loan. When shopping for a Texas mortgage, you should ALWAYS evaluate your choices carefully and consider how it will fit in with your long-term financial plan. Answer the important questions that I've listed above and always speak with a mortgage professional. If you are currently shopping for a Texas mortgage and have a few questions, feel free to contact the Texas Loan Guy.
Finding a Texas Home Loan in Frisco Texas that's right for you should be easy. Right? Whether you are refinancing your Frisco home or looking to purchase a home in Frisco, you should know up front that there are many Texas Home Loan Programs to choose from beyond the basic Conventional, FHA, or VA. In addition, there is a myriad of ways to structure the loan in terms of the amount, payment, rate, closing costs... the list of options may seem endless.
Wondering where to recycle your Christmas Tree in Frisco Texas?
The City of Frisco has an easy process in place to dispose of your tree. But before you think about recycling the tree, make sure its environmentally ready - remove the stand, lights, ornaments, and any wiring.
The magic number is 5 feet. If your tree is over 5 feet tall, it will need to be cut into sections no larger than 5 feet. Once the tree is removed of all Christmas Decoration and cut into smaller sections, the tree can simply be placed 3 feet away from your trash can.
On trash day, the tree will be picked up and be composted. These trees are not taken to the landfill.
If you have a Flocked Tree, they can not be placed outside. Call CWD @ 972.392.9300 to request the tree be picked up. CWD will charge a small $10 fee for this service.
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A Texas Mortgage Expert in Frisco that specializes in removing the stress from buying or refinancing your home. Call me when buying your first home, tenth home, or just looking to lower your rate.
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