Open Houses Sunday

Author: admin  //  Category: Real Estate

OpenHouse10

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REDUCED PRICE!!! 14120 Chickasaw Dr Edmond, OK

Author: Terra  //  Category: Real Estate

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Just REDUCED to $181,777.00!

Magnificent! Updated master bath spa with a walk in shower, jetted tub, new mirrors, light fixtures and granite vanity. Master bedroom has THREE closets and two of them are walk in. Hall bath has new granite counter tops, tile on the floor and in the shower. Over sized and open living room with laminate wood floors and room for a pool table or sitting area. Kitchen is ALSO updated with fresh, painted white cabinets, granite tile counter tops, bar seating, a built in hutch and pantry space. Covered patio and fenced in yard. NEW CARPET! Utility room has a sink and great storage. The pictures do not show this home off like it is! It has VERY nice updates and it is move in ready! Call the RED Team for a showing today!

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Phases of Energy from BOLD

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

Kiley, Kim and I have all gone through a real estate program to better ourselves in real estate. It has been great in so many different ways for each of us. As some of you know, I am in a referral group here in Edmond and this morning, I shared a little about the “Phases of Energy” from our past BOLD program. These energy phases can impact daily life or your business.  We have to remind ourselves daily to stay passionate, joyful, peaceful, compassionate, and responsible or we will come off the wrong way to our clients, co workers, family and friends!

Phases of Energy

  1. Victim – this is where you are one step away from WHY ME to woe is ME.
  2. Conflict/Anger – this one can be felt from blocks away even if they are not angry with you.
  3. Responsibility – don’t you wish everyone had this energy throughout the day.
  4. Compassion – people that show this energy allow people to feel love.
  5. Peace – this energy allows people to be who they choose to be without judgment
  6. Joy – just think about living a game called the perfect game. Where everything for an entire day is perfect and you are joyous about what is happening all day long
  7. Passion – this is the highest of all energies. Gratitude is a form of passion. When we are in gratitude we are vibrating at an energetic scales that people are attracted to.

Don’t you want to be #3-7 all the time. It really makes you think. You and I both need to remind ourselves about the phases of energy on a regular basis so we are not putting out a BAD vibe to our clients, family, friends and co workers! STAY POSITIVE and I PROMISE IT WILL BE BENEFICIAL to each one of you who take action!

 

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Happy FALL Y’ALL!

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

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Today is officially Fall! What are you plans for this Fall? The RED Team came up with a few ideas to help get you thinking about what fun, small and big activities in Oklahoma you can be doing this FALL!

  • Buy a Home with the RED Team
  • Take a nature walk
  • Go on a Fall picnic
  • Watch an OU or OSU football game
  • Host a Halloween party
  • Bake an Apple Pie
  • Play in the leaves
  • Make hot cider
  • Go on a hay ride
  • Visit one of the awesome pumpkin patches in the area
  • Plant daffodil bulbs for next Spring
  • Go to the zoo
  • Decorate your mantle and home with fall decor
  • Carve a pumpkin
  • Wear the color Orange
  • Go to Octoberfest (for dates and more info go to http://www.funtober.com/oktoberfest/oklahoma/ )
  • Dip apples in carmel
  • Crunch the falling leaves
  • Make a pumpkin flavored food or drink
  • Roast marshmallows or make s’mores
  • Go listen to live music on the canal downtown OKC
  • Hang out with the RED Team ;)

And NEVER forget to Count Your Blessings and Give Thanks!

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Weekly Mortgage Memo

Author: Terra  //  Category: Lending

Today’s Topic: Rural Development

 

There is a lot of love in Washington for rural activities so it’s no wonder that the US Department of Agriculture has a home loan program.  These loans are only available in certain locations.  Attached is a map with a snapshot of the metro.  A quick rule of thumb is that you can’t be in a decent sized city.  So, for example, if you’re in Oklahoma County but outside any city limits in an unincorporated area you might be in a RD area.  If you’re driving West on Covell and you cross Penn you’ve just left Edmond and you’re in an RD area. If you’re driving North on MacArthur and you cross 164th you just left Oklahoma City and you’re in an RD area.  All of Logan and McClain County is RD.  To know for sure here is the website link where you can key in an address and, of course, you’re always welcome to call, text or email me and I’ll check for you.

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

 Key points of the program include:

 

  • Finance 100% of the appraised value (yes you read that right – appraised value)
  • Income limits

o   1-4 family 74,750

o   4-8 family 98,650

  • Ratios

o   31% Housing ratio (% of house payment to gross monthly income)

o   43% Total debt to income ratio.

  • No house size maximum.  Although the 31% housing ratio limits you to about $270,000 (1-4 family) and $355,000 (4-8 family)
  • Fees

o   2% Funding Fee (Financed into the loan)

o   .5% Annual Fee – paid monthly for the life of the loan.

  • 6% seller concession

 

Interest
Markets Rates Equities (stocks) Commodities
Last Week 4.25 Dow Jones Industrials 17,279 Oil 92.41
Today 4.25 Devon 70.97 Natural Gas 3.84
FHA Today 4 Chesapeake 24.67 Gold 1,215

*Info provided by Tom Davies, Sr. VP Mortgage

 

Taylor Ortiz
Mortgage Loan Officer for Spirit Bank

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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Open House Today!

Author: admin  //  Category: Real Estate

OpenHouse7

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Drive on by to see this NEW listing in Eagle Crest!

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

aerie

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Fresh on the market! Don’t miss out!

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

 

516 W 8th Edmond, OK 73003

Ingleside to Edmond $144,777

True entry way welcomes you into this darling home. 3 bed, 2 bath, 2 living, 1 dining, 1584 sqft/mol, built in 1979, 2 car garage and Edmond Schools. Spacious living room with tall ceilings and cozy fireplace. Dining room open to living and kitchen. Second living would be great for entertainment, hobbies or play room. Mater suite with walk in closet and remodeled bathroom. Larger than normal, secondary bathroom has been neutrally updated. Front yard has great curb appeal and mature trees plus fenced backyard with room to roam. Within walking distance to Sunset Elementary.

 

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Awesome updates! Great location!

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

chickasaw

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The OK State Fair & The RED Team

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

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The Oklahoma State Fair is a tradition in the Spencer family and now the Myers family, too! When September and my birthday come around every year, we all start getting excited for the fair. We don’t really ride the rides, we go to eat the food and people watch. This year, Kiley and Brad did take the boys on the bumper cars. And years ago, we might have tried out the potato sack slide. I just can’t imagine eating all the yummy food then riding a roller coaster.

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We decided the boys were old enough to go to Disney on Ice this year, too! They had a blast and sat through the whole event. They have not successfully sat through a movie or the circus, so I was impressed! It brought back great memories of taking my friends to the fair and ice capades, as a kid, for my birthday!

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We never miss a year visiting our friend at the Corn Dog stand(by the needle) plus who does not want a tasty corn dog! Then, Brad and my Dad have to have a cinnamon roll from the Silver Dollar Cinnamon Roll stand. We might have some fried cheese or a funnel cake, too! This year I wanted to try some of the new and unique items that the fair was suppose to be serving, but I could only find the Red Velvet Cinnamon Roll and the Fried Gummy Bears. I decided to refrain from ordering both of them.

News Channel 4 shared these new items that should be at the fair this year, so please let us know if you saw them or got to try any of them! We would love to hear! Hope you ALL have a chance to visit the fair, too!

All American Hot Dog-  It’s a grilled polish sausage on a freshly baked artisan bun, topped with homemade macaroni and cheese and grated cheddar cheese. It can be found at Diamond Dawgs

Bacon Bloomin’ Onion – It’s a batter-fried onion topped with hand-cut onions with bacon. It can be found at Porky’s.

Bacon Explosion Sundae – It combines ice cream, whipped cream, caramel sauce and bacon. It can be found at Guiltless Concessions.

Bacon & Gouda French Fries – It features french fries covered in freshly shredded Gouda cheese and crumbled bacon. It can be found at Bacon Habit.

Bacon-Wrapped Jack Daniels – A churro infused with a half shot of Jack Daniels, wrapped in bacon and grilled. It is topped with maple syrup and whipped cream. It can be found at Bacon Habit.

Boudin On-A-Stick – Rolling in the Bayou is presenting a favorite southern dish on a stick.

Capt’n Crunch Chicken On-A-Stick – Chicken strips are battered in a special Capt’n Crunch cereal batter and served with honey on the side. It can be found at Diamond Dawgs.

Caveman Turkey Leg – A giant turkey leg is wrapped in about a pound of bacon before it is smoked. It can be found at Bacon Habit.

Cuban Pork Crepe- It features shredded pork, Swiss cheese, pickle spears and a dash of spicy Tabasco mayo rolled into a fresh crepe. It can be found at CoCo Flow Concessions.

Churro Shortcake – L’il Bits Donuts traded out the typical shortcake for churros then topped them with strawberries and fresh whipped cream.

Chocolate Dipped Twinkie On-A-Stick – Mom & Pop Corn skewer a twinkie and then dip it in chocolate.

Deep-Fried Apple Fries – Crisp slices of apples are deep-fried to a golden brown and then topped with cinnamon and sugar are served with vanilla ice cream. It is available at L’il Bits Donuts.

Deep-Fried Bacon Cinnamon Roll – The bacon cinnamon roll is being deep-fried by the Sweet Shop.

Deep-Fried Banana Nutella Crepe – Coco Flow Concessions is lining its sweet vanilla crepe with fresh bananas and Nutella before deep-frying it  and topping it with chocolate, caramel sauce and whipped cream.

Deep-Fried Bison Balls – Lean bison meat is mixed with tangy blue cheese crumbles and red onion, then rolled and put in the deep fryer. It is served at Sweet Shop with horseradish-mayo.

Deep-Fried Chocolate Chip Ice Cream Sandwich On-A-Stick – Homemade chocolate chip ice cream is spread between two cookies and quickly deep-fried by Aunt Edmoe’s.

Deep-Fried Giant Gummy Bears – The Sweet Shop is putting large gummy bears in the deep fryer and topping them with powdered sugar and strawberry sauce.

Deep-Fried Sauerkraut Balls – Sauerkraut, cream cheese, breadcrumbs and cheddar-jack cheese are combined and deep-fried  at the Sweet Shop.

French Toast Burger – A delicious burger sandwiched between pieces of french toast at Porky’s.

Fried Chicken & Donuts with Maple Syrup – L’il Bits Donuts are combining chicken and doughnuts to create a new classic.

Honey Bun Bacon Cheeseburger – Harvell Concessions is combining sweet and savory by switching out a typical bun for a HoneyBun on their burger.

Monkey Time Donut – A specialty doughnut is topped with creamy peanut butter, fresh banana slices, honey and bits of crumbled bacon. It can be found at L’il Bits Donuts.

Nutella Donut – L’il Bits Donuts mixed Nutella and doughnuts to come up with a delicious combo.

Red Velvet Cinnamon Roll – Sweet Shop made a cinnamon roll out of red velvet and topped it with real cream cheese icing.

Wonderboy Corn Dog – A hot dog is coated in a homemade batter of Capt’n Crunch cereal and served with a side of honey mustard. It is found at Diamond Dawgs.

The Oklahoma State Fair runs from Sept. 11 through Sept. 21!

Discounts for the fair:

Monday, September 15: School Kids’ Day – FREE admission for all kids thru grade 12

Tuesday, September 16: Super Saver Tuesday – $3, Armed Forces’ Day – FREE admission for Armed Forces personnel and spouses (Military I.D. required)

Wednesday, September 17: Senior Citizens’ Day – FREE admission for Senior Citizens 55+ (I.D. required)

 

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