Open Houses Sunday

Author: admin  //  Category: Real Estate

OpenHouse16

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St. Patrick’s Day Is Here!

Author: Terra  //  Category: Real Estate

The RED Team hopes you have a fantastic St. Patrick’s Day! We hope that you not only have good luck today, but in years to come.  Thank you for being the best clients we could ever ask for! We are truly the lucky ones!st_patricks_day_quotes_05

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Happy Birthday KIMMA!!!!

Author: Terra  //  Category: Real Estate

Happy Birthday to the best Mom, Kimma, wife, daughter, aunt and friend!!!!! We would not be who we are without you setting such a great example for us! Hope today is full of love, laughter and some Thunder basketball. You make our world go round! We love you! KIMMA

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18301 El Greco Open Sunday 2-4pm

Author: Terra  //  Category: Real Estate

el greco

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Colorado

Author: admin  //  Category: Just for Fun, Real Estate
Just a couple months late with this blog post, but I wanted to share our Colorado adventures with you! Wanting to see the leaves of the aspens turn, Brad, the boys and myself headed to Breckenridge, CO, along with my mom and dad. The first day we arrived, we saw signs for the Parade of Homes an so we couldn’t resist not going to see the gorgeous Colorado homes nestled in the mountains. Colorado real estate is quite a bit pricier than here in Edmond, OK. We saw new construction homes that started at a million dollars for only 3000 SF mol to three million plus for 5000 sf mol and larger. Here are just a few of the pictures we took of the homes and their features.
IMG_4343 IMG_4344 IMG_4346
Each home had tons of amenities, all the extras you would and could ever desire, not to mention the stunning views, and you could tell they were of excellent quality.

The weather was gorgeous, the leaves were turning, we had a very relaxing trip, and still, we SOLD a few homes while we were out of town! ;)  The highlight of the trip for our boys was split between the first snow of the year, which happened while we were there, and we rode horses across 4 summit peaks while it snowed on us! Here are a couple of photos we took on our trip too!

colo2 colo1colo3 colo4

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SpiritBank Mortgage Update

Author: Terra  //  Category: Real Estate

The RED Team wanted to share this weeks Mortgage Update with you because even though it is talking to Realtors about looking and checking Prequalification/Preapproval letters, buyers need to know why you need one, why, as Realtors, we are asking for the letter, and we want you know the what your true preapproval amount should be or could be so you can make an offer on a home. It is also for the Realtor and seller’s safety that we ask for a Prequalification/Preapproval letter before we show you a home.  The Mortgage Broker or Lender has your information and as a Realtor, we do not have to worry about the preapproval and personal information. Then, everyone is on the same page and you can go look at houses and make an offer if you are ready!

SpiritBank Weekly Mortgage Memo

Today’s Topic: Prequalification/Preapproval letters

 These days letters are standard practice.  There are, however, lots of stories about loans that bust even when a letter was presented.  There are myriad reasons for this and most of them start with the loan officer. Very often loan officers don’t dig deep enough.  Or they don’t verify income.  An amazingly large number of people don’t know what they make and relying on a conversation or online application can be fraught with peril.  Buyers will state their gross income if self-employed or include overtime in their number.  Lots of folks who are 1099’d don’t think their self-employed and don’t offer that information unless prodded.  So when you get a letter from someone you don’t know or your spidey-sense is tingling here are some questions to ask a loan officer to improve the letter’s chances:

1.    Have you reviewed paystubs?

2.    Have you reviewed tax returns?

3.    Have you verified funds to close?

These are especially important with self-employed, commission and overtime employees.   The tax returns will also reveal (assuming the loan officer looks) buyers with unreimbursed business expenses that we deduct from their income. 

- Info provided by Tom Davies

Interest
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Taylor Ortiz
Mortgage Loan Officer
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Edmond Mortgage
2575 S Kelley Pointe Parkway Suite #180,
Edmond, OK 73013
Office phone: 405-513-7805
Mobile phone: 405-509-1064
NMLS# 449866

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SPRING FORWARD! Don’t Forget to move your clocks forward ONE hour TONIGHT!

Author: Terra  //  Category: Real Estate

 

SpringAD

 

 

 

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Open House SUNDAY 2-4 PM!

Author: admin  //  Category: Real Estate

OpenHouseNEW1

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Open Today

Author: admin  //  Category: Real Estate

OpenHouse15

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Open Houses Sunday: UPDATED!

Author: admin  //  Category: Real Estate

OpenHouse14

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