Credit Tips for First-Time Homebuyers

If you are thinking about purchasing a home for the first time, you may not know that your credit will be one of the key factors in determining whether you are approved for a mortgage and your mortgage interest rate. Your credit score is calculated using five major factors:

  • Payment history – Creditors will look at any utility bills and payments on outstanding loans or credit cards.
  • Amount owed – This is the amount of credit card or loan debt that is outstanding.
  • Length of credit history – This is determined by how long you have held credit on loans or credit cards.
  • New credit – Creditors will make note if you have opened new credit cards or taken out any loans recently.
  • Types of credit used – This is seen as your different kinds of credit, such as credit cards, auto loans or student loans.

Before you begin the home buying process, request a free copy of your credit report and check for errors, which can have a negative effect on your score. If you see any errors, be sure to dispute them. Additionally, try to begin paying off outstanding debts, since those also affect your credit score.

Once you have applied for a mortgage, avoid opening new credit accounts such as credit cards or auto loans until your home has closed. You will also want to keep the balance low on any current credit cards.

I would love to meet with you and have a conversation about your financial goals and your future home purchase.

 

New Listing: Pastoral Escape In Edmond!


1300 Echo Dr.
Edmond, OK 73034

4 bedrooms – 2.1 bathrooms – 3360 SF mol – Edmond Schools

                                                                                                        

Rest from a long day to your pastoral escape w/out leaving Edmond! Stunning traditional home on 1.5 acres offers beautiful view through large windows of lush landscape dotted w/ trees. Pull into the long & private driveway & walk to the lovely covered porch. The formal dining room is flooded w/ natural light. Down the hall the spacious living room has plenty of room to entertain/relax by the fireplace! Kitchen offers plenty of room to entertain too & a great central island makes for easy serving area & more counter space. Large master bed plus master bath w/ jetted tub, double sinks & matching walk in closets. Upstairs is a movie room w/ built in shelves & storage plus a game room w/ built ins & a retro booth! Relax on the back covered patio & enjoy the green of the property compliments of underground sprinkler system. Comes w/ detached workshop that holds up to 5 cars plus a bed/office, bath, & the possibility to build out an upstairs apartment! You’ll love this peaceful getaway!
Click here for a virtual tour!

Fabulous New Listing With Great Updates!

8404 Aspen Hills Dr.
OKC, OK 73132

3 bedrooms – 2 bathrooms – 1,476 SF mol – Putnam Schools

 
                                            
Fabulous home with awesome updates! Updates include: all new heat and air in 2013, granite in 2014, a stainless steel dishwasher in 2017, a hot water tank in 2015 and a garage door opener in 2015. The living room is open to the dining room. It has tall ceilings, a fireplace, natural light, two inch, white faux blinds and plenty of room to set up your furniture. Seller offering $2500.00 in flooring allowance/update allowance/buyers closing costs. All bedrooms are on one side of the home. Hall bath between secondary bedrooms. Master bedroom has a tray ceiling and is at the end of the hallway. The master bath has two sinks, a tub, shower and two walk in closets with builtins. Great patio with room to garden or relax! Easy to show and ready for YOU to make it your own home!

Click here for a virtual tour!

Beautiful Edmond Home In Immaculate Condition!

1001 Fox Lake Ln
Edmond, OK 73034

4 Beds – 3.1 Bath – 3,431 SQFT mol – Edmond Schools

                                                     
This beautiful home is located in a desirable SE Edmond neighborhood! Stunning entry way welcomes you into the home! Nice flow throughout with open formal dining & living. Gourmet kitchen has double ovens, island, granite, stainless steel app, and pantry. Main living room has soaring ceilings and cozy fireplace. Master bedroom has tray ceiling, bay window and amazing and updated master closet. Master bath has a jetted tub, shower and double sinks. Study comes with built-ins and wood floors. There is a game room upstairs plus three bedrooms and two bathrooms. Beautiful wood floors, light and bright with tons of windows. Gorgeous landscaping, soaring trees and a corner lot. Neighborhood lake and pool! Easy access to I-35, shopping and restaurants. Immaculate condition and ready for YOU to make it your own! Don’t miss out on this breathtaking home!

Click here for a virtual tour!

Charming New Listing!!

2829 Cambridge Ct
OKC, OK 73116

3 Beds – 1 Bath – 1,250 SQFT mol – OKC Schools

                           
Absolutely adorable home! Enter into the beautiful spacious living room complete with a large window and abundant natural light. The open living and formal dining room both equipped with beautiful wood floors. The kitchen has been updated and has classic black and white flooring. Two, charming lovely bedrooms are conveniently located close by the bathroom. The third bedroom is off of the dining room and comes with a NEW sliding barn door (could be used as second living). Over-sized deck is perfect for cookouts and parties! The deck has been re-stained, as well. This charming home has been updated with a NEW garage door, NEW kitchen sink, and NEW garbage disposal in 2018. You’ll also love the neutral colors and designer touches throughout! It’s comfortable and current yet a classic! In a great location off of NW Expressway! This home is ultimately a great place to call HOME!

For a virtual tour click here!

 

 

Adorable NEW Listing You Don’t Want To Miss!

3608 Jim Robison Dr.
Edmond, OK 73013

4 Beds – 2.1 Bath – 2,111 SQFT mol – Edmond Schools




   
     














Location! Location! Location! Located in the sought after Chisholm elementary this home is both gorgeous and in a great location! Great floor plan for entertaining with two living areas and two dining areas. The kitchen has double ovens, granite, bar seating, built in desk/hutch, a walk in pantry plus it is open to the living and dinette. There’s also a lovely little half bath off of kitchen for guests. The updated master bathroom comes with new tile, counter top and shower area. The spacious master bedroom is tucked away at the end of the hallway and it has two walk in closets. Three, secondary bedrooms are the perfect size and share the hall bath. Over-sized backyard with plenty of room to run and play. Seller offering $3000.00 flooring allowance to replace carpet or make updates. Storm shelter in garage floor. Close to Oklahoma Christian University, walking trails, and the park! You don’t want to miss out on this fantastic buy!

For a virtual tour of this listing click here!

Just Hit The Market: Breathtaking NEW Listing!

9125 SW 36th St
Oklahoma City, OK 73179

4 Beds – 3 Bath – 3,284 SQFT mol – Mustang Schools

                               

    

   

 

 

 

 

  
    

Spectacular new home with all the bells and whistles! Beautiful, hand-scraped wood floors in the main living, formal dining and all bedrooms. Open floor plan makes it easy to entertain all your guests. Master suite with jetted tub, walk in shower, electric plugs for your hair dryer in the drawers and double sinks. Split floor plan with two beds on one end of the house sharing the guest bath. All beds have walk in closets, tall ceilings and ceiling fans. Bonus/theater room with built in cabinet storage, storage closet, and walk in attic access. Gourmet kitchen has over & under cabinet lighting, pantry, coffee bar, & island. Spacious backyard with extended, stamped, stained, & covered patio plus a wood fence. Study with wood floors and built in desk with bookshelves. Sink and mud bench in laundry room. Plenty of space to work in the 4 car garage plus the doors are insulated! Storm shelter is also located in the garage. The home is also equipped with full sprinkler system on a larger lot. Tankless hot water heater, low E windows, central vac, & surround sound! You don’t want to miss out on this gem!

Click here for a virtual tour!

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Why I Love Living In Edmond

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I first stepped foot in Edmond, OK in 2013. I arrived after driving 29 hours in my cramped ’94 Toyota Corolla to the front entrance of Oklahoma Christian University. Coming from the North West, I wasn’t sure what to expect of the people or culture of my new home but let me tell you I was not prepared for what warmly greeted me! I was caught off guard by how clean and neatly manicured the beautiful landscaping around the city was. I was caught off guard by how friendly and social everyone is- especially the drivers! My four years at school were so sweet and I felt so safe here, even walking around in the dark, enjoying the warm summer evenings! Now that I’m out of school, married, and looking for my first home- I’m beginning to view Edmond through an entirely new lens and I’m falling in love with it again for entirely different reasons! Last year, Edmond was ranked among the 50 best U.S. cities to live in and here’s why!

  1. Livability
    Edmond has retained it’s charm and inviting almost small town feel while being home to several nationally recognized and very profitable businesses. You’d think that the steady economy and the low crime rates in the area would cause home prices to sky rocket as people move to the area but it is still an affordable area to live in!
  2. Community
    I believe that the small town charm effect that Edmond tends to have is due to the incredible community involvement in the area! There’s always fun and free opportunities happening around the area to do with your family. For that reason, among others, it’s a great place to raise your children! You’ll find endless opportunities for exciting learning times and chances to grow together!
  3. Location
    Located in the heart of Oklahoma, Edmond is just minutes away from great attractions, beautiful scenery, and of course OKC! For the outdoor enthusiast, ignore the flack you might hear about Oklahoma being flat and hop in your car. You’ve got options but one of my favorite places to visit is the Wichita Mountains And Wildlife Reserve. Technically, they’re not mountains but they are sure beautiful and make for great hiking! If you’re more interested in what the city can offer you, try out the fabulous dining and entertainment in the area to start! Edmond is home to so many original and unique restaurants and businesses you can only find here!

If you’re looking to move to Edmond, which I highly recommend, let us give you a hand in transitioning! Give The RED Team a call at 405.330.2626 if you’d like to learn a little more about the area and what it offers! From there we’d love to help you find your dream home!

How To Update Your Home Without Spending A Dime

Beautiful living room with white couch, woven rug, green plants, white and blue striped pillows, wood apothecary coffee table, chalkboard wall decor, hanging iron light pendant.

It’s that restless time of year again where you’ve just finished Spring cleaning but something still feels so tired about your space. Until you get that nice tax return back you probably don’t want to be spending too much on updates so what’s a girl (or guy) to do? Never fear, there is a totally free and totally chic solution to your decorating woes. The best part is, you don’t even have to leave the house for most of these- which is great since you’re probably already there with the kids during the OKC Teacher Walkout (woop woop, we love our teachers!). So throw on your most comfortable pair of sweats and try your luck with these super cute, super free, Spring fixups!

furniture arrangement tips

First, begin by rearranging your furniture! This trick may seem obvious but it’s amazing the difference it can make! The beauty of it is that you can change it up once, and then twice, and then again until you like it! Have the kiddos help move around the furniture and they’ll be tired out before you know it and you’ll have a new layout you love! Mom (or dad) of the year!

As seen on HGTV's "Fixer Upper."

Remember that coffee table you banished to the garage or shed or saw on the side of the road the other day? Just because it doesn’t have a brilliantly shiny finish doesn’t mean it wouldn’t breathe new life into your room! After all, shabby chic is forever. You’ll especially love this idea if you’re a fan of the farmhouse style decor!

While you’re out there rummaging around looking for that table- be sure to grab a handful of fresh flowers from the yard! Or prune some twigs with beautiful little leaves and buds! Just another free option that will add a little life, color, and dimension to your room!

Bücherstapel, Kissen oder Kakteen: 14 inspirierende Ideen für einen Singlehaushalt.

Here’s another quick tip on dressing up your coffee table. Grab a serving tray or platter, set it on the table, add a few little knick knacks and BAM- instant trendy and cute centerpiece! This simple fix makes for an interesting and eye catching scene and it won’t cost you a dime!

Diy potpouri

This might not count as an update (unless your home smelled bad before) but it will only serve to make your home even more ready for spring without making you dive into your pockets. Cut up that one ugly orange that you can’t convince the kids to eat (or let’s be honest, yourself) and toss it into a simmering, shallow pot of water with some other herbs and spices from your pantry! A bay leaf, a dash of rosemary, a little vanilla, and that ugly orange and you’ll be cookin’! Literally! You probably won’t want to eat this ever but it will give off a fantastic aroma in your home! You can always do this on the cool Spring days and as it warms up just throw open the windows for a breath of fresh air!

UrbanOutfitters.com: Awesome stuff for you & your space

EXTRA TIP: Alright, you caught me… this one does cost a little bit, but not much and it can make a world of difference! Buy a thin, decorative rug for Spring and Summer and put away the thick floor coverings you’d normally have on the floor during the Winter. You can find the thin rugs at a reasonable price and they’ll change the look of the whole room! Not to mention putting your normal rug in storage should eliminate some of the built up dust in that room!

Ah! Spring! A breath of fresh air and new life! We can’t wait for it to continue to warm up! In the meantime, we’ll be busily rearranging our furniture and selling houses! We’d love to hear about which tips you try! Good luck!

 

 

 

Your Ultimate Guide To Edmond This April!

There are so many sayings that float around this time of year. ‘March came in like a lion and out like a lamb’ or ‘April showers bring May flowers’. ‘Out with the March, in with the April!’ I’m not sure that’s quite how that saying goes but nonetheless, I’m excited to be another month deeper into Spring and closer to Summer! If I stop writing this and look out the window from my desk I can see a beautiful flowering tree covered in purple blooms. I love this time of year because most of Edmond starts to look this way too! The grass begins to green and you start to see tulips popping up all over the place! The Edmond/OKC area is great this season for many reasons, like the fun community events happening! We’ve rounded up a couple of engaging occasions you’ll definitely want to be a part of this April!

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Arcadia Lake Sweep – Saturday, April 7th  (8-11am)
BYOG (bring your own gloves) to this fun event! Help clean up your city with your community and receive a tshirt and hotdog lunch in the meantime! Great event to try volunteering with the kiddos and teach the importance of community! Help keep our lake beautiful!

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‘Covered In Color’: Sidewalk Chalk Competition & Art Festival – Saturday, April 7th (11am – 4pm)
This event features great entertainment, food trucks, art vendors, in addition to this fun and colorful competition! You’d hate to see rain on a day like this!

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Open Streets OKC (Uptown 23rd & Paseo District) – Sunday, April 8th (12- 4pm)
Take to the streets of OKC for this awesome event that promotes getting moving and getting healthy! Grab your bike, skates, tennis shoes (you name it!) and check out the food trucks and healthy ideas being promoted here!

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Movie Night At The Park- Friday, April 13th (Starts At Dark)
Grab a blanket, load up on snacks, and head down to the Mitch Park Amphitheater for a showing of “Ferdinand”. Snuggle up with the family for this cute movie and enjoy a night under the stars!

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First Saturday Farmers Market – Saturday, April 14th (8am-1pm)
Grab your reusable bag and a little cash and stop by the farmers market! Load up on fresh fruits and vegetables and support your local farmers too! There’s plenty of baked goodies or handmade items as well. Something for everyone here.

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Earth Day Festival – Sunday, April 22nd (12- 5pm)
This free event at Reaves Park is a great opportunity to teach the kids the importance of keeping the environment clean! There will be plenty of fun and hands on activities to help illustrate this not to mention, animal adoptions for those who love furry friends!

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Mutts & More 5k Dog Walk – Sunday, April 22nd (Starts At 2pm)
Speaking of furry friends, they deserve a little fun too! Take them and the kiddos out for a nice 5k walk at Mitch Park. Dogs must be leashed and all proceeds will go towards aiding sick and abused animals.