Tammy Carpenter

October is just a few days away and that means it's time to start planning for next year. Goal setting is a plan for your life and very useful tool. Without goals life just happens and you will find yourself wandering aimlessly through it.

If one of your goals for next year is to buy a new home, start planning now. Below are a few steps you should take to make it happen.

Work up a budget and save for the expenses you will incur. When purchasing a home you will need to have a down payment along with closing costs. Depending upon the type of financing you receive you will need approximately 3.5% - 10% of the cost of the home for down payment and another 3% - 6% for closing costs.

1. Pay off any and all small bills you have lingering around. When qualifying for a home loan your house payment should not exceed 31% of your gross income and other bills an additional 12% of your gross income. If your other bills are in excess of the 12% limit the difference will be deducted from the amount of house payment you may qualify for.
2. Find a Realtor. A Realtor can help you pre-qualify with a lender, show you homes in your price range and specifications, assist in negotiating your offer and setting up inspections. The best thing about a Realtor is there is no charge to you as the Buyer.

Setting a goal and planning in advance helps take stress and disappointment out of your life. Planning ahead to purchase one of the largest investments in your life is the best advice a person can receive.

When the time comes to achieve your goal, give me a call and I will be happy to assist you. I give you my commitment to make the journey of purchasing your new home a pleasant and joyful one.

Tammy Carpenter, Broker

Home Team Realty, llc

(405)670-1600

Eagle Harbor Opened May 25, 2009

Del City Swimming Pool

located behind Fire Dept and Library

671-2843

9am - 7pm

admission $5 per child all day

Season pass $45

HOME TEAM REALTY,LLC

RENTAL LIST

11/25/08

To schedule a showing, call Tammy (405) 670-1600

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 201 Woodman Lease amount: $650.00 Sect. 8: Yes

City: Midwest City Schools: Mid-Del Bedrooms: 3 Bathrooms: 2

Garage: n/a Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher, refrigerator

Date Available: now Security Deposit: $500 Pets: No

Non-refundable pet fee: N/A

Directions: Reno & Midwest Blvd east to Woodman north to property

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Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent electric

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

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Address: 4801 Creekwood Lease amount: $725.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 2

Garage: 2 Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove,

Date Available: 12/31/08 Security Deposit: $400 Pets: No

Non-refundable pet fee: N/A

Directions: SE 44^th and Bryant south to Oakcliff drive east to Creekwood left to property

Two living areas

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Address: 205 Windsor Way Lease amount: $450.00 Sect. 8: Yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 2

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent elec

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: yes

Non-refundable pet fee: 4200

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

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Address: 1213 Christine Lease amount: $600.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: window unit

Appliances: stove new carpet, fresh paint

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: NE 10^th & Douglas east to Christine north to property

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Address: 5300 Creekwood Lease amount: $650.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 1.5

Garage: 2 Fireplace: no Heat type: Cent gas

Cooling type: cent elec

Appliances: stove

Date Available: 11/1/08 Security Deposit: $400 Pets: yes

Non-refundable pet fee: $200

Directions: SE 44^th & Bryant south to Oakcliff east to Creekwood right to property

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Address: 725 Eckroat Lease amount: $550.00 Sect. 8: No

City: __OKC_____ Schools: _Crooked Oak Bedrooms: 2 Bathrooms: _1.5_

Garage: 2_ Fireplace: yes__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove, dishwasher__

Date Available: __now_ Security Deposit: _$400 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 15^th and Bryant west to Grand north to SE 8^th east to property_______________________________________

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Address: ___401 S Grand Lease amount: __$650.00_ Sect. 8:__no

City: __OKC_____ Schools: _Crooked Oak Bedrooms: 3 Bathrooms: _1

Garage: 2_ Fireplace: no__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove, dishwasher__

Date Available: __now_ Security Deposit: _$600 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 15^th and Bryant west to Grand north to property_______________________________________

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Address: ___3017 SE 57th_________Lease amount: __$775.00_ Sect. 8:__yes

City: _Oklahoma City_____ Schools: _OKC Bedrooms: 4 Bathrooms: _2_

Garage: 0_ Fireplace: yes__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove,__

Date Available: __now_ Security Deposit: _$400 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 59^th & Bryant north to SE 57^th east to property_____

2 living areas

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3609 SE 24th, Del City, OK

SOLD AND CLOSED IN 33 DAYS

Who says the market is slow in Oklahoma?

This newly remodeled home in Del City sold and closed within 33 days of it's lisitng. I'm a firm believer a property in good condition and priced within the market will sell. If you would like to know the marketability of your home, give me a call at (405)202-3690.

Tammy Carpenter