You think you're ready to buy a home. You've saved some money for a down payment and you have a pretty good job. You've been on your job for more than a year. You know the general area where you want to live. Today we're going to take the next step toward getting where you want to go. To get to that home, unless you can handle a strictly cash purchase, you visit with a lender.
At this point, you do not have to decide which lender to get your mortgage with. You can make that final decision after you find the home that you want. Right now you want a pre-qualification letter from a lender that state what price home you can afford to buy. The mortgage person will ask you about your financial capabilities -- your income, your savings and your debts. Ask the lender to do a credit check and include in your letter that your credit would meet their credit guidelines for a loan. (Also if anything shows up here that would keep you from getting a loan, it's time to do some credit repair before you go house shopping.)
In Oklahoma, standardized contracts with a conventional loan contingency give you five days to make the actual application to a lender for a loan to buy the home. Loan approval is expected within 5 more days. (The number of days can be changed as part of your offer, just as most bargaining points).
The following is copied straight from an Oklahoma standard contract with a conventional loan contingency:
1. LOAN: The Contract is contingent upon Buyer qualifying for a Conventional Loan not to exceed $____________ plus Private Mortgage Insurance (PMI), if applicable.
Within five (5) days following Time Reference Date, Buyer shall either:
A. Make application for the described loan, or any other such loan Buyer deems acceptable, and proceed diligently to obtain such loan, or
B. Give notice to Seller that the loan terms are unacceptable, cancel the Contract by delivering written notice of cancellation to Seller and receive refund of Earnest Money.
C. BUYER INSTRUCTIONS TO LENDER: Buyer shall instruct lender to issue a written statement of loan approval (not final loan commitment) to Seller within _____days (10 days if left blank) of the Time Reference Date regarding the following:
1. Review and Approval of Buyer's credit worthiness, income plus funds necessary to Close.
2. Confirmation that Buyer has paid initial processing fees.
3. Property appraisal and credit report have been ordered.
4. Loan approval is not subject to sale or closing of Buyer's current property unless stated elsewhere in this Contract.
If within the time specified above, a written statement of loan approval is not delivered to Seller, Seller may provide Buyer written notice of intent to cancel and terminate the Contract. Upon Seller delivering notice to Buyer of Seller's intent to cancel, the Contract shall become null and void upon the fourth day following delivery of notice. However, if Buyer delivers to Seller written statement of loan approval before the end of the fourth day, the Contract shall remain in full force and effect.
Getting a prequalification letter can save you some surprises and trouble at the crucial time of making application for your actual home mortgage.
So if you believe that you are ready to purchase, go see your lender and get a pre-qualificaiton letter, BEFORE you call the real estate broker. It can make the whole process a lot easier.
SOLD SOLD SOLD
Pictures removed to protect buyers privacy.
Are you looking for luxury on the water? We have for you an exclusive, gorgeous lake home, ready for you to move into. There are 20 Streaming videos and 46 photos of this property available for your viewing enjoyment on our website.
This home has 451 ft of shoreline with a gentle slope in the back yard, right down to the water's edge. The spacious 3170 sq ft of living space in the home includes:
** 4 bedrooms/3 ½ baths including:
●A large master suite with master bath and very large walk-in closet
●Jack & Jill suites with the bath and a half between them (each bedroom has it's own toilet area and vanity area with a shared tub area with it's own doors)
●The fourth bedroom is a suite with it's own bath. This bedroom is on the lake side of the home with a view window.
**A Gourmet's kitchen desire, with upgraded cabinetry that has anything your cooking heart could want and solid counter tops. Be sure to click on the link below to get to the videos.
** 1100 sq ft of deck space on 2 levels on the lake side of the home. Some is covered by the roof of the home, some is open.
N A built-in central vacuum system, no more lugging the vacuum around.
** A whole home audio system with controllable speakers through-out including the deck and patio.
**A large 2 car garage of 700 sq ft with automatic openers,
** There are 2 heat/air units for zoned comfort.
** This home is all electric except for the gas logs in the fireplace.
**There's a large game room/family room that opens onto the patio/deck, with wet bar complete with icemaker and a view,
** 12 ft ceilings, with windows all the way up on the lake side,
** a hot-tub deck area with privacy fence, hot-tub included,
**plus much more,
To see more of this waterfront home, photos and videos, click here.
Call Judi Barrett at Integrity Real Estate Services 580-212-5946 or email at judi@integrity-realestate.net
SOLD SOLD
Pictures removed for buyers privacy.
This well cared for older home was completely remodeled in '97. The open floor plan with 2 living areas and 2 dining areas plus 3 bedrooms, 1 bath is made for lake living.
Take a look at the gentle slope and huge back yard just waiting for you to relax in.
Your home could be on Lake Raymond Gary in S E Oklahoma. Bring the boat and build it's own spot so that it's always easy to jump in and take a spin or go fishing. Lake Raymond Gary is well known among the local fishermmen. Central heat/air, 2 car attached garage with auto openers and a 2 car detached garage that could be converted into a guest house.
Central heat/air, 2.2 acres, paved road, city utilities, including water, sewer, electricity, garbage pick-up and cable tv. About a mile to 4 lane highway. Fort Towson, Ok
Contact Judi Barrett, Broker/Realtor
580-212-5946
or email judi@integrity-realestate.net
Videos and more pics on our website:
http://integrity-realestate.net
This new cabin is in Lost Rapids Estates which is across the road from Lost Rapids Park where you can launch your boat or have guess stay in their rv. Lost Rapids Estates is surrounded by Corp of Engineer Land and is only 600 feet to the waters edge in Pine Creek Lake. Cabin has an open floor plan with upstiars master bedroom and bath. Natural pine is used throughout the cabin. The lot is approx one acre of wooded area with 14 lots also available in the Lost Rapids Estates. Decks are on 3 sides with covered deck on 2 sides. There are streaming videos on our website at http://integrity-realestate.net Call Judi Barrett about this cabin. List price is $119,500. Pine Creek Lake is in beautfiful southeast Oklahoma.
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Restaurant for sale. "The" Cedar Shed in Hugo. Large (nearly 6000 sq ft), able to seat large crowds, large parking area.and located to bring the customers in. On 2.25 acres. The Cedar Shed is on 271 S toward Paris on the south side of Hugo. Conveniently located near the highway 70 by-pass that leads to Indian Nation Turnpike on the east side of Hugo. Details business available to serious inquirers on an appointment basis. Contact Judi Barrett, at Integrity Real Estate Services for appointment. Priced at $474,000
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Let us help you find a quiet peaceful home on Lake Raymond Gary or a Country Home with some acreage in SE Oklahoma. We live on a farm and also at the lake. We know the area. Call me or email me. today
Judi and Don Barrett own Integrity Real Estate Services. They have an office in Idabel, Oklahoma but they stay on the road between Haworth and Hugo. The name of their company says it all! It's about integrity and providing service to their clients and customers. They provide real estate services that their clients can trust.
Judi and Don ahve 3 grown children and 7 grandchildren. They are of the Christian faith and believe in living it every day. They want those that they work with and for, to know that they live by the Golden Rule and they can expect fair and honest treatment from the Integrity Real Estate office. Judi tries to remember to ask the Lord to "order" their day every day. That means that they have to be thankful for each and everyone that He sends and try to find what it is that they am supposed to do for that person. Sometimes it's just to include their name in prayers for that day.
Judi first passed her real estate exam in 2000 but did not place it with a broker. She passed the exam again in 2002 and has been licensed since August of 2002. She and Don have lived in the Southeastern part of Oklahoma most of their adult lives. Judi has a background as a loan officer for a Savings and Loan, a math and science teacher, and a child support caseworker. She is currently working on certification also as Christian counselor through The National Christian Counselors Association. She has a B.S. in Education from Southeastern Oklahoma State University in Durant, OK.
Don is a licensed home inspector and takes care of the farm when he is not busy with the office business. Don has a degree in Chemistry from Southeastern Oklahoma State University in Durant, OK.
With such varied backgrounds of working with people, They have found that they bring much to the real estate business from these backgrounds.
Don and Judi's farm was a National Environmental Award Winner Tyson Foods Farm in 2000. Only 5 farms are selected out of 7500 farms. The following year, Don and Judi were asked to help the Tyson team select the 2001 award winners. The family farm that they live on has been in the family since 1944. They understand being a part of something much bigger than they are. They understand having roots in an area. They love the rural farm life.
Judi and Don Barrett are passionate about Lake Raymond Gary. They have been going to that little lake for 30 years. It has been wonderful to own a part of the shoreline there and they enjoy helping their clients find their own place on Lake Raymond Gary at Fort Towson, Oklahoma in Choctaw County.
The areas that the Barretts work in are McCurtain County and east Choctaw County. Their office has had great success because they work hard and treat people right.
Some of the recreational areas that Integrity Real Estate Services has developed specialized marketing in: Raymond Gary Lake, Pine Creek Lake, and Hugo Lake. Their office enjoys selling Southeast Oklahoma because it's so beautiful and has such varied topographies. Some of the towns and cities that they work in are Idabel, Lukfata, Holly Creek, Haworth, Redland, Goodwater, Valliant, Garvin, Millerton, Fort Towson, Swink, Sawyer, and Hugo. If you are wanting to buy or sell in these areas, call or email Judi for fast, fair, and friendly service. Of if you're an agent, Judi does referrals both ways and do our best to take care of our clients.
They specialize in farm/rural properties, country homes on acreage and waterfront properties at Lake Raymond Gary. The Barretts live on a farm and they own waterfront property at Lake Raymond Gary so they are very familiar with these two types of properties and know how to market them. They also market residential properties, commercial locations, businesses of varied natures, vacant land, and other recreational property. If you're looking for any of these in our area, especially waterfront at Lake Raymond Gary, give Judi , broker at Integrity Real Estate Services a call.
Feel confident that when you send your referrals to their office that they will be taken care of. Integrity Real Estate Services answers to a higher authority. Rest assured that Judi will also update you on a regular basis, after accepting a referral from you.
Check out our websites at http://integrity-realestate.net
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Life in Southeast Oklahoma is GREAT! If you're looking for a home or land in my part of the country, give me a call: Judi Barrett, broker, Integrity Real Estate Services, 580-212-5946
Or visit one of our websites:
Broken Bow Lake
Lake Raymond Gary
Raymond Gary Lake
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Judi Barrett
Broker - Integrity Real Estate Services
Our Name Says It All.
Real Estate Services You Can Trust.
580-212-5946
Email me at judi@integrity-realestate.net
call me at 580-212-5946.
Let's get acquainted over a good real estate deal and if the deal doesn't work out, let's still be friends.
And may God bless your life as He has mine!
Judi would like to visit with you about property in Southeast Oklahoma, whether you are wanting to sell or to buy. Integrity Real Estate Services owns 32 different domains. Some of them have been created and are working to serve our clients. Soem of them are under construction and some of them are on the shelf waiting for time to work on them.
From the time that Integrity Real Estate Services takes a listing until the day the transaction closes (and past then), Don and Judi Barrett are right there with you working to make everything to smoothly.
For details on selling visit the 8 part series of posts that starts here on selling your home
Read Judi's blog posts on various birds found in Oklahoma. Scan through the posts and you will find several about the local birds.
To find the nearest airports to Southeast Oklahoma, read this post.
Various posts about DV Fennell and his rodeo career can be found in Judi's blog and at DV's blog.
Every Saturday, Judi does a post entitled, Tell Me Something Good That Happened To You This Week. Reading it and the comments will sure lift you up and create some positve aura around you.
The next sections talk about what wer're good at and what our clients have to say about us.
There is no better advertisement than word of mouth. We appreciate you coming by the Life in Southeast Oklahoma Blog. We hope you will stay and awhile and look things over.
Please call Judi at 580-212-5946 if she can help supply ifnormation about our area including motel information or restuarants, medical facilities that are in our area, school informaiton, or any informatin that you may need as you look at Southeast Oklahoma as a possible relocation area.
I have a B.S. in Education from Southeastern Oklahoma State University in Durant, OKlahoma. That along with working toward certification as a Christian Counselor through the National Christian Counselors Association has allowed me to develop good people skills. We like people ad we like helping them get what they want in the way of real estate. It is very satisfying to help someone sell the house that they need to sell or help someone else find just the right home for their family. Sometimes it's someone needing or wanting a commercial property to make a living with. Whatever it is, we enjoy the working with people aspect of it. I also enjoy the technological tool side of it. I do my own websites and own and operate several real estate related domains. I do everything that I can think of to get my clients' properties in front of prospective buyers.
We enjoy working with recreational land homes in Southeast Oklahoma, especially homes and land around Lake Raymond Gary in Choctaw County, and properties around Hugo Lake (Hugo, Ok) and Pine Creek Lake (Valliant, Ok). I work really hard to be "THE BROKER" in this area. Lake Raymond Gary is the small lake in Southeast Oklahoma where you can actually own the shoreline and have a boat dock with your boat parked just off your yard. Our Corp of Engineer lakes do not allow this. We have sold many properties around Lake Raymond Gary.
We work hard at and enjoy working with residential, vacant land, and commercial properties in McCurtain County and Eastern Choctaw County. Our work ethic brings good things to our clients. My husband and I work together from our home and this has really been a great benefit to both us and our clients. We live on a farm and we enjoy helping others find their rural home. Our farm is only about 2 miles outside the city limits of Idabel so we know the town and the area well, we enjoy selling homes in Idabel and helping people find a home in Idabel. I guess when you sum it all up, we enjoy each and every area that we work because it's about the people and some of the finest people in the world are right here in Southeast Oklahoma.
As one of my clients put it: "Judi is a professional but personable. I trust her with my real estate needs whether I'm buying or selling."
Areas that we serve:
Idabel
Haworth
Redland
Valliant
Fort Towson
Hugo
Messer
Hugo Lake
Pine Creek Lake
Raymond Gary Lake
Rural Homes on acreages between 2 and 10.
Farms and Ranches (we live on one).
Not only can we sell you the land but can help you with information on where to buy the things to get your farm or ranch up and running. Call or email us for help with your real estate needs.
We specialize in Internet Marketing. It is our desire to dominate in online marketing for our listings. With various domains (32) that we own, along with websites that specialize in certain kinds of property that we pay to be on, plus using websites such as Zillo, Home Gain, Yahoo Real Estate, Lands of America, Landwatch, and other specialized places, we have your property "all over" the internet. We have sold world-wide to people in various locations around the globe.
Some clients have been able to puchase waterfront here while being stationed in Baghdad, Korea, etc. Some have bought sight unseen and still have not viewed their property after threee years, They had friends meet me at the property and view. That along with videos and lots of pictures,,, did I say lots of pictures???
We'd love to have you move to our area. Come for a visit, you may decide to stay.
Judi,You have been "awesome" and your husband too. We really appreciate the way you "went the extra mile" for us and stayed until after dark to help get this going. We love our lots ...Thank you again for your help--and kindness. We are so looking forward to getting back and building the house. Clients in California
"Thank you so much for all your help. You have been a jewel and both Larry & I appreciate you very much." Clients in Texas.
"Thank you, everything about our transaction with Integrity Real Estate Services was smooth and handled well. You are an "easy" to do business with company." Clients in NE Oklahoma
Thank you for everything that you have doneto make our purchase a positive experience! Clients in Nebraska.
Thanks for being such a wonderful real estate agent. Very honest folks are not as plentiful as you'd like and we stumbled across such a person! Clients in Maryland.
"We are grateful for the services that you gave us in purchasing our lakefront property. This has been our dream and you made it come true for us. Thanks for being so knowledgeable, kind and honest. It is great to meet someone of your integrity in the Real Estate business." Thanks Again, Clients in Oklahoma
Thank you for selling our house. It has been a pleasure doing business with you. If I ever sell again, I will call you to sell my property... Clients in SE Oklahoma.
You did us right when we bought our house. I would recommend you to anyone! Clients in Choctaw County Oklahoma.
I like the way that you do business. Thank you. Client in McCurtain County Oklahoma.
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My wife & I had never been to Oklahoma before, but our first impression was a good one. We called Integrity Real Estate Services about a piece of property on Lake Raymond Gary and spoke with Integrity's owner, Judi Barrett, who was very friendly and helpful, and extremely knowledgeable. She helped us find a piece of property we liked, then guided us through the real estate buying process, answering our questions, helping us through negotiations, and the transaction process, most of which was done by long distance since we had to leave the area. We felt that we could trust Judi from the first time we met her. WE WERE RIGHT! Through her honesty, hard work, and expertise, we are now proud owners of a Raymond Gary lakehouse. We thank Judi and recommend her to anyone buying or selling! Clients from Idaho, now living in Choctaw County Oklahoma.
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Judi is professional and personable. I trust her with my real estate needs whether I'm buying or selling.
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Judi is trustworthy. She does not take advantage of anyone and that's the reason that I can do business with her.
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Judi Barrett at Integrity Real Estate Services did a great job for us when we needed to sell our house.
"Just want you to know we appreciate your friendliness, your true heart and your integrity."
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"Dear Judi,
I just wanted to send my wishes to you for a wonderful holiday season. And, to thank you for the great job you did for me on the sale of the Broken Bow property.
Never once, did I have a concern abut any detail. You handled it all very professionally. I hope to meet you sometime. It was a pleasure doing business with you.
Happy Holidays"
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"We aprpeciate you spending your day with us and helpign us to buy our dream home!"
"Don and Judi Barrett are a wife and husband team that work to make it happen for their clients!"
"No better team anywhere. We found Judi on Active Rain, read her blog for awhile.. felt like we had gotten to know her and then called her about property in the area. By that time, we felt that we knew her well enough to know that we wanted her for our broker."
"Judi was able to handle all the parts of our purchase and direct it through to closing without us ever having to be there." She is truly someone you can trust to tend to the details.
I found Judi online even though I live in Virginia and sent a link to her profile to my daughter in Idabel who needed to find a real estate agent to help her sell her house. My daughter eneded up using her to sell her house. She was very pleased with ther and I am too because my daughter got to move close to me.
I referred a client to Mrs. Barrett who needed to buy a house in the Idabel area. Judi found them just the right house and they were thrilled with ther work ethic and ability, besides her helpfulness. She treated my clients right. I would refer clients to her again in a heart beat.
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Judi,
Thanks so much for all your help and hard work during the sale of our property. We had our fair share of challenges but you were right there every step of the way guiding us through it.
You were a pleasure to work with and I would recommend your agency without hesitation. I wish you all the best.
Sharon L
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