Do you have a clogged drain?

Author: Terra  //  Category: Just for Fun, Miscellaneous, Real Estate

This past weekend I decided that my bathroom sink was draining way to slow. So, I thought about what one of my favorite home inspectors tells our clients. He always says when you have a slow draining sink then put equal parts vinegar and baking soda down the drain. So that is what I did. I put probably a 1/4 cup of baking soda down the drain and followed with a 1/4 cup vinegar.

It bubbled lots, but as soon as it calmed down, it drained so much faster. Everything went right down without a delay!

 

 

 

Bookmark and Share

Beautiful New Listing in Hunters Creek

Author: Terra  //  Category: Just for Fun, Lending, Miscellaneous, Real Estate

3612 Hunters Creek Road Edmond, OK 73003 

Listed at $555,000. Wow! Fabulous home with 4.5 bath, 4 bed plus a study, 2 dining, 3  living, 4355 sqft/mol and built in 2003. Wood floor in study and formal living. Features a wonderful upstairs suite including full bath, huge bedroom, and perfect media/game room. Top quality solid core doors, intricate woodwork, and crown molding throughout. Absolutely beautiful gourmet kitchen club with built ins, double ovens and bar seating. Surround sound inside and out, 2 walk in attics and 3 covered patios.

 

 

Bookmark and Share

Setting up appointments

Author: Terra  //  Category: Just for Fun, Real Estate

Last night I was planning my schedule for  today and Jagger wanted to help! I had to make appointments to see a few houses to some friends who are looking at homes for their in-laws. Hopefully they will be moving to town soon. Good times!

By the way, Jagger loves helping Mom with work especially when it involves getting to pound on the key board!

Bookmark and Share

Weekly Mortgage Update

Author: Terra  //  Category: Lending, Real Estate

Are we there yet?  Well, Europe looked better this week as the bond auctions for Spain and France went well.  Unemployment claims came in well below prior levels.  The S&P showed its best yearly start in 15 years, AND even Bank of America surprised the financial markets with a great 4th quarter.  Even so, we won’t be out of the woods until Europe goes through its version of a chapter 13 bankruptcy.   Until then, we will continue our slow but steady recovery.  What  most don’t realize due to all the negative news is the positive aspect of our current real estate market. The key is perspective. 

It’s understandable that you long to be back in 2007, but do you realize that today’s rates allow you to buy approximately 25% MORE home for the same monthly payment than you could in 2007?  In 2007 let’s say your budget would buy a $300,000 home.  Now that SAME budget buys a $400,000 home.  Granted you’ll take a discount when you sell your current home but you’ll get that same discount on the next home you buy…ONLY NOW rates allow you to buy a home worth 25% more!  You are actually better off than in 2007!

So, you can either focus on the negative and live in the past or you can see the incredible value that is out there right now and grab it.  The key is perspective.  We have low inflation, real estate values stabilizing and more buying power than  I have ever seen in my lifetime. The choice is up to you.

This week Freddie Mac’s 30 year fixed rate survey came in at 3.88% depending on program, credit and points.  

To unsubscribe, simply reply back to me with a request. Thanks.  If you know of someone else who might like to receive this, just have them send me an email to add their email address to my list.

 

This message is intended for real estate professionals only.

Starkey Mortgage is an equal housing lender.

                                                                                                              The views expressed are those of the author and do not represent Starkey Mortgage.

Ted Clay
Senior Loan Officer
Senior Loan Consultant

NMLSR # 217991
OK License # MLO01963
Office: 405-341-8644 x 102
Cell: 405-826-1320
Fax: 866-208-5309
tclay@wrstarkey.com
www.TedClay.com

WR Starkey Mortgage, LLP NMLSR # 2146
10 E. Campbell
Edmond, OK 73034

Bookmark and Share

Weekly Mortgage Update

Author: Terra  //  Category: Lending, Real Estate

A December hangover is what we have this week.  After some relatively good economic news in December we are seeing retail sales and trade deficit numbers coming in lack luster.  This is due in part to the normal ups and downs of this anemic recovery and also in part due to the coming recession in Europe and the uptick in oil prices.  Europe is buying less from us and we are paying increased oil prices resulting in us sending more money overseas.  BUT, on the bright side, the consumer sentiment numbers from the University of Michigan show that the ‘average Joe or Josephine’ are feeling better about our economy.  That is good news.  What this boils down to is more of the same ‘slow growth’ muddling-through.

RATES!   Whether purchase or refi, people need to know how much VALUE this low rate environment creates for them and their family (call on your friendly mortgage loan officer to help you with this).  I just showed a friend how to pay for his spring break trip and keep his mortgage payment the same…without adding years to the loan.  Now that’s TRUE VALUE.

This week Freddie Mac’s 30 yr. fixed rate dropped to 3.89%  assuming points and good credit.

To unsubscribe, simply reply back to me with a request. Thanks.  If you know of someone else who might like to receive this, just have them send me an email to add their email address to my list.

Starkey Mortgage is an equal housing lender.

                            The views expressed are those of the author and do not represent Starkey Mortgage.

Ted Clay
Senior Loan Officer
Senior Loan Consultant

NMLSR # 217991
OK License # MLO01963
Office: 405-341-8644 x 102
Cell: 405-826-1320
Fax: 866-208-5309
tclay@wrstarkey.com
www.TedClay.com

WR Starkey Mortgage, LLP NMLSR # 2146
10 E. Campbell
Edmond, OK 73034

Bookmark and Share

Healthy Home Tips

Author: Terra  //  Category: Just for Fun, Miscellaneous, Real Estate

Bookmark and Share

10 Easy Upgrades to Add Style & Value to Your Home

Author: Terra  //  Category: Just for Fun, Miscellaneous, Real Estate

Sometimes, it’s the little things that make the biggest difference in the value and appeal of your home.

Our new listing at 4713 SW 62 in Oklahoma City is a great example of doing some work and making it better!  The seller updated the kitchen, carpet, bathrooms, and did some other small things to bring more value to the home.

Whether you’re trying to sell your home of just spruce up the place, here are 10 easy ways to get started.

    1. Update hardware on cabinets and drawers
    2. Replace towels and rugs in the bathroom(s)
    3. Add overhead lighting, lamps, or wall sconces to brighten rooms
    4. De clutter small spaces and closets with DIY storage kits
    5. Wash or power wash the exterior of your home (especially windows)
    6. Add area rugs to throw in a hint of color
    7. Hang a mirror in small rooms to give the illusion of more space
    8. A fresh coat of paint on walls and trim brighten any room
    9. Try a fresh new color on your front door for character
    10. Mow and mulch your lawn even in the cooler months

Make a plan. Set a budget. Get started! Some information from American Home Shields. Go to AHS.com for more info!

Bookmark and Share

19 Unusual Household Uses for Lemon Juice

Author: Terra  //  Category: Just for Fun, Miscellaneous, Real Estate


When life gives you lemons, use them to clean your house.

Juicy, aromatic and highly acidic, lemons bring out the flavor in sweet and savory foods but they nearly always play a supporting role in the kitchen. Stop relegating them to the rim of your glass and give these winter citrus fruits their due — because they’re serious cleaning and freshening powerhouses.

These 19 unusual uses for lemon juice will make your home look and smell fresh, brighten your laundry, and improve your hair, nails and skin.

1.Fingernail Brightener- Nails looking dull and yellowed after a long period covered in dark polish? Just squeeze a lemon into a small dish, clean your nails and soak them in the lemon juice for a minute or two. Some women claim that this treatment will also make nails stronger, particularly when adding a tablespoon or so of olive oil to the dish.

2. Food Preservative- Keep cut fruit and vegetables like apples, pears, avocados and potatoes from turning brown by squeezing on a little bit of lemon juice. You can also perk up droopy lettuce by soaking it for an hour in a bowl of cold water and the juice of one lemon.

3. Emergency Deodorant- Caught smelling less-than-fresh, with no deodorant around to save the day? Cut a lemon in half (or snag a wedge from your drinking glass) and rub it under your arms. The citric acid in lemon juice will reportedly kill odor-causing bacteria. In fact, you could use this trick to ditch conventional deodorants altogether.

4. Heartburn Relief- The efficacy of this trick depends on whether your heartburn is caused by too much acid in your stomach, or not enough. If it’s the latter, drinking a little lemon juice in water can quickly relieve discomfort.

5. Facial Treatment- Applied with a cotton ball, a little lemon juice acts as an astringent, eliminating oil and tightening pores for a smoother look. Mix salt and lemon juice into a paste for an all-natural exfoliant.

6. Itchy Skin Soother- Apply full-strength lemon juice to unbearably itchy skin rashes like poison ivy to soothe them and keep them from spreading.

7. Odor Destroyer- Even garlic, fish, mothballs and that disgusting gunk in your garbage disposal can’t stand up to lemon juice’s odor-eliminating power. Use a cut lemon or fresh-squeezed lemon juice to remove bad smells from your refrigerator, cutting board, microwave or practically any other surface. You can even add it to the cooking water of stinky foods like cabbage, or just simmer lemon peel in water on the stovetop as a natural air freshener.

8. Insect Deterrent- Many insects are highly sensitive to smell, including spiders, ants, fleas and typically so-hardy-they’re-almost-alien cockroaches. Squirt lemon juice in windowsills, the thresholds of doors, along baseboards and into any cracks where insects might get into the house. Add lemon juice to your floor wash for even more insect-repelling action.

9. Lighten Age Spots and Freckles- There’s some debate as to whether this actually works, but if you’re desperate to reduce the appearance of freckles or dreaded age spots, lemon juice might be worth a try. Apply lemon juice with a cotton ball once per day and over time — we’re talking months — they may lighten a little bit.

10. Glass Cleaner- Lemon juice will make hard water stains, debris and other marks on glass disappear. Use straight lemon juice on a sponge for tough jobs, or dilute a few tablespoons in a cup of water and spray it on. Wipe it off with newspaper for totally transparent windows (that might just kill a bird or two.)

11. Stain Remover- Sweat, mildew, berries, wine, oil — pretty much any substance that leaves a stain on fabric can be removed with good old lemon juice. Durable fabrics can be rubbed with a paste of lemon juice and salt while more delicate fabrics might require a gentler touch, saturating the stain with lemon juice and then washing it out.

12. Sore Throat Soother- Gargle with a teaspoon of lemon juice in 1/8 cup of warm water to help shrink swollen throat tissue and kill bacteria. Frequent cups of hot tea made with a tablespoon of honey and a tablespoon of lemon juice will also do the trick.

13. Toilet Cleaner- When mixed with household borax (not the insecticide kind), lemon juice can remove even those stubborn rust stains from the toilet bowl. Make a paste of borax and lemon juice and apply it to the stain with a scrub brush or sponge. Let it sit for up to two hours, then scrub away.

14. Metabolism Booster- Does lemon juice really boost metabolism? Some of the claims raise red flags as being a bit too enthusiastic, and most of these lemon-based “metabolism boosters” are recommended as food replacements in starvation diets. But hey, adding a little lemon juice to your water every day will make it taste better, and drinking more water can definitely help you lose weight. So, there’s that!

15 Dandruff Treatment- Lemon juice may not cure dandruff or prevent it from occurring in the first place, but it can remove flakes that are already present so you don’t have to worry about them making an appearance on your clothing. Massage lemon juice into your scalp, leave it on for ten minutes and shampoo as usual.

16. Metal Polish- Slice a lemon in half, dip it in salt and rub it onto metal surfaces like stainless steel ranges and copper pots to eliminate grime and make them gleam.

17. Hair Highlighter- You can achieve natural-looking highlights at home with nothing more than a little lemon juice, a sunny day and something to occupy your hands for an hour or two. Either apply it directly to the strands you want to highlight or get an overall lightening effect by spraying on a diluted mixture of 1/2 cup lemon juice to 1/2 cup of water. The intensity of the lightening will vary depending on your hair type and texture.

18. Laundry Brightener- Just as it removes stains, lemon juice can act as a natural, non-toxic alternative to bleach. Add a quarter cup of juice to the washing machine to brighten whites. Lemon juice’s stain-removing power is further heightened by hanging the treated laundry up to dry in the sun.

19. Rice De-Sticker- A few drops of lemon juice added to simmering rice will keep it from sticking to the pot, making clean-up a lot easier.

Quick tip: roll a fresh lemon under your palm on the countertop to soften it up for easier juicing.

All information found at  http://www.huffingtonpost.com. From EcoSalon’s Stephanie Rogers.

 

Bookmark and Share

Weekly Mortgage Update

Author: Terra  //  Category: Lending, Real Estate

Last month the number of jobs increased by 200,000 with local government layoffs slowing down and private sector employment picking up.  Unemployment also ticked down to 8.5%, continuing a steady trend. This is all good until the next surprise, the biggest of which will be Europe’s inevitable re-structuring of its sovereign debt. 

As Bubba once said, ‘It’s all about the ‘ology’; In our business, the most important  ‘ology’ is  psychology.  One of our biggest jobs this year will be helping buyers through the ‘surprises’ as our economy continues its steady upward climb out of the ‘great recession’.  We have good data and keep it handy for when the surprises come to help assure clients that the overall trend is up! 

One fact you can use is that buyers should BUY NOW because rates won’t get much better.  It’s simple math.  Mortgages rates follow the 10 year T-Bill.  In order for mortgage rates to drop, the 10 year T bill rate has to drop.  Right now the 10 year rate equals inflation which means that inflation takes away all the profit the investor makes on their investment.  For investors to accept less of a rate, they’d have to be willing to actually loose money after accounting for inflation.  Loosing money is NOT what investors like to do and that is why pushing rates much lower is unlikely.  What is likely is that they will go up when the surprises stop.  Buyers- don’t miss the opportunity.

This week Freddie Mac’s 30 yr. fixed rate dropped to 3.91%  assuming points and good credit.

 

Ted Clay
Senior Loan Officer
Senior Loan Consultant

NMLSR # 217991
OK License # MLO01963
Office: 405-341-8644 x 102
Cell: 405-826-1320
Fax: 866-208-5309
tclay@wrstarkey.com
www.TedClay.com

WR Starkey Mortgage, LLP NMLSR # 2146
10 E. Campbell
Edmond, OK 73034

Bookmark and Share

Neighbors!

Author: Terra  //  Category: Just for Fun, Real Estate

Just walked outside to take a break from computer and paper work to a friendly greeting by the neighbors! I love Redbud Canyon, the neighborhood I live in, and love it even more because of the people who live in the neighborhood! Yesterday I needed a fresh breath of air and so I decided to take the boys on a walk. When I was leaving the driveway, the neighbors pulled in, so I invited them to go also. Then I got a call from another neighborhood friend and she wanted to go walk, too! It turned out to be a fun afternoon. Definitely makes me smile and feel good knowing that I have multiple neighbors that can call me and ask to borrow an egg or sugar and I can do the same for them. Make 2012 the year to get to know your neighbors! It is not fun living by the people who pull in and shut their garage before they get out of the car. You know who I am talking about right? Just thought I would share what I was thinking and hope you feel the same way. Good luck and “Happy Neighboring”!

Bookmark and Share