Clear Lake City, TX

If you have been trying to decide to purchase a home then NOW is the time to buy! US Department of Housing and Urban Development has just issued a new Mortgagee Letter 2012-3 that will make stronger requirement on home buyers that have prior credit delinquencies.

If a borrower has individual or multiple disputed credit accounts or collections with singular or cumlative abalances equal to or greater than $1000, the acounts must be resolved (payments arrangements with a minimum 90 day pay history) or paid in full, prior to, or at the time of closing. The lender must obtain documentation supporting the pyament arrangements or that the debt has been paid off. The payments arranged for the accounts must be included in the calculation of the borrower's total debt-to-income ratios.

Disputed credit accounts or collections resulting from identity theft, credit card therf, or unauthorized use, may be excluded from the $1000 limit if proper and acceptable documentation of the credit or identity theft is provided to the lender for review.

Don't wait any longer...Call Me today to schedule your mortgage review appointment and obtain your conditional mortgage approval so that you may be shopping for your new home this evening. I look forward to hearing from you at 281-479-8191 x102 or via email at Nancy@BayAreaEliteProperties.com

Making purchasing your next home a smooth and simply transaction:)

As a Rotarian I am extremely pleased to be a member of the local Space Center Rotary here in the Clear Lake area. I am able to interact with a wonderful group of professionals and like minded individuals that believe in and enjoy giving back to our community.

Recently I was able to assist our youth exchange students on an out of town trip and was delighted to interact with two lovely exchange students, Julie and Hannah from Denmark and Sweden. Wonderful young ladies each full of excitement and genuine appreciation for the opportunity to be accepted as exchange students here. They spoke of their experiences in school, trips they've been able to experience with their host families and the studies they are engaged in. It was a wonderful experience to hear Hannah speak of how she wants to work in biomedical research and find the ultimate cure for cancer because the disease has attacked her loved ones and she wants to attack the disease right back!

I have been able to assist in a local shelter drive and provide clothing and tolietries for the homeless. I have been able to witness the generous monetary gifts given to local organization through the hard working fund-raiser efforts that the Space Center Rotarians participate in annually.

I also learned about fabulous programs like Shelter Box that Rotary supports. This organization send people and supplies to families located in areas of disaster around the globe. ShelterBox is an international disaster relief charity that delivers emergency shelter, warmth and dignity to people affected by disaster worldwide.

I would like to invite you to share and help us give back even more to our community. May 17th we will be hosting our annual Springoree...our Spring Fundraiser to once again assist in raising funds to give to the many worthy organizations in our area. You can help by making a donation to our silent auction. If you are a small business owner or just an individual that would like to provide an item for the silent auction items will be collected by Nancy Anderson. Items that have been donated in prior years include: Massage for Two at a local Spa; Deep Sea Fishing on Galveston Bay; Weekend Retreat to a Galveston Island Getaway; Family Entertainment Package to Space Center Houston, etc... We look forward to accepting your donation. To make your donation you may contact Nancy at 832-434-2894 or via email at Nancy@BayAreaEliteProperties.com

Become aware of the many assistance facilities located in your community. These facilities are there to assist those in need with food, clothing and other necessities. These groups serve thousands of clients, and their families every day...Right Here in the Bay Area.

Are you aware there are homeless in your community? Some of these groups provide assistance with backpacks filled with necessary essentials. Please consider making a donation of supplies, time or money in support of any of the following:

Food Pantries at:

Clear Lake Church of Christ 938 El Dorado Blvd, Houston 281-486-9350

Clear Lake Baptist Church 15700 Space Center Blvd, Houston 281-488-3767

Lighthouse Christian Ministries 825 Grand Ave, San Leon 281-339-3033

Living Faith Outreach 3700 Deats Rd, Dickinson 281-309-0799

Nassau Bay Baptist Church 18131 Nassau Bay Blvd, Houston 281-333-3844

St. Mary's Church 1612 E Walker, League City 281-332-3031

Clothing or Small Household Items:

Interfaith Caring Ministries 118 W Bay Aera Blvd, Webster 281-332-3881

St. Bernadettes Church 15500 El Camino Real, Houston 281-486-7664

Simple ways to assist your local food pantries: (1) Utilize the Kroger "Neighbor-to-Neighbor" Program by linking your Kroger plus card to ensure a portion of your purchase goes to support local food pantyies. Visit www.krogerneighbortoneighbor.com to find local entities that can benefit from this program. (2) Look for and purchase pre-made bags of food at local grocery stores. (3) Randall's shoppers can link their frequent shopper card to benefit local food pantries by visiting the in store coutesy counter.

Want to have more of an impact on assisting those in need through your family, neighbors or workplace? Utilize the contract list above and phone the local organizations to be part of "people helping people".

May you enjoy a generous 2012 and touch someone new this year.

Enjoy the teams battle it out on Super Bowl Sunday...Then Make the Call!

Now is the BEST time to Sell Your Home!

If you're thinking of making a move this year and have a home to sell, Call Me Now!

You get the highest price and sell faster early in the year, just after Super Bowl Sunday. The football weekends are over. Tax Refunds are flowing into buyer's hands.

The really servious and qualified buyers are out very early in the year and They Are Buying Homes Now.

Take advantage of the best buyers and the low interest rates.

Call Nancy Now 281-479-8191 x102

The Third Annual Bank Bites and Buys will be held on Thursday, February 23rd at 7:00pm. The event will showcase a live auction and a silent auction. Come and do some tast tasting with around twenty of our restaurants in and around the Clear Lake ARea. Tickets will be sold at the door for $12.00. If you or a local business would like to donate any item(s) to the silent auction please contact Ron Zaguli at 713-240-2488. This is truly an inexpensive and great way to sample our local area's cuisine and a great way to support and recognize some of the businesses in our community. Thank you and we all hope to see you at this grand event!