About Clear Lake City's Pine Brook

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:)

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

A community favorite! Come out and join residents of Pine Brook for the annual Holiday Hayride. Create new memories before the year ends and bring your children and family members to visit Santa on Sunday, December 11. The fun begins at 7:00 PM, so make sure you bring thick coats and jackets to keep warm!



Residents will meet at the Pine Brook Park/Pool on Park Center near Clear Lake City Blvd. Hope to see everyone there!

More than 93% of all students passed the Texas Assessment of Knowledge and Skills (TAKS) test in 2009 and the District's overall completion rate was 97%. When it comes to college readiness, Clear Creek ISD students outpace their statewide and national peers, scoring 30 to 45 points higher on the SAT.

2010 CCISD Scores

TAKS (% of students passing)

Reading - 97%

Writing - 97%

Social studies - 98%

Math - 93%

Science - 94%

Where The Revenue Comes From

Texas public schools receive their operating revenue from three primary sources.

- Local sources: 56.2%................. $158,755,000

- State sources: 43.5%................. $125,561,000

- Federal sources: .2%........................ $650,000

5 STAR RATING

Cleark Creek ISD earned the highest rating of five stars on the Financial Allocation Study for Texas (FAST). The FAST report examines spending against student performance. CCISD was recognized for having low operating costs and high student achievement.

The report is accessible by visiting www.fastexas.org.

While you may be familiar with required weekly tests, this first-ever nationwide Emergency Alert System test may contain different elements. Audio will indicate that this is in fact a test, scrolling text across television screens may not.

When millions of Americans hear the warning at 13:00 CST Wednesday, the words will sound familiar, but the occasion will be historic. It will mark the first-ever nationwide test of the Emergency Alert System, a system that enables the president to address the American public within 10 minutes from any location at any time.

Although state and local communities regularly use the system to notify communities about hurricanes, flash floods, tornadoes, child abductions and other events, all previous tests of the system have been local or regional, and involve the voluntary compliance of broadcasters. Wednesday's test is the first national test featuring a live "presidential" alert code, which instructs TV and radio stations that the alert takes priority over all other programming.

The test will air on every broadcast, cable and satellite TV station in the nation, as well as every AM, FM and satellite radio station. But it will not be sent to landline or cell phones, pagers or computers, which millions of people monitor for news and information.

The test will be brief -- 30 seconds from start to finish.

In the event of a real emergency, the test would originate from wherever the president is. For test purposes, it will originate from a FEMA operations center. The president will not be involved and will not speak.

Houstonians should take this time to make sure that they have an emergency kit, a family emergency plan and ways to stay informed during emergency situations. Residents can find information on how to plan for emergencies, as well as sign up for AlertHouston emergency emails from the Office of Emergency Management online at http://www.houstonoem.net/.

For more information on the nationwide EAS test and emergency preparedness visit http://www.houstonoem.net/ or email info@houstonoem.net.