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 to Town?

Unpacking the Boxes is a 10-week class for women in the Edmond and Oklahoma City area. The class is inspired by Susan Miller’s book After the Boxes are Unpacked: Moving On After Moving In. Women from the Memorial Road Church of Christ run the weekly meetings. The class is designed to help women connect with other women who are new to area.  Bible-based lessons will help you learn to move past the pain and loss of what you’ve left behind and toward an appreciation of your new community.  You will have an opportunity to meet other newcomers in the Edmond area and build friendships by sharing relocation challenges, memories of “home,” and common interests.  The optional book may be purchased on the first day of class. 

Class meets Wednesday mornings, 9:30-11:30, at Memorial Road Church of Christ, 2221 E. Memorial Road, from September 5 to November 14.  Child care is provided. 

For more information about the class, visit  www.unpackingtheboxes.com or e-mail unpackingtheboxes@gmail.com or phone 405-478-0166.

A/C Tips and Tricks!

The weather is warming up (finally!) and it’s time to start thinking about sunshine, outdoor activities and… cooling. You don’t want to be caught with a broken down air conditioner when the asphalt starts melting.
Tuning up your equipment is the best way to ensure that you get the most out of your air conditioner while lowering your utility bill.
                                                                                              
Here are the critical components you need on your tune-up list.
 
Your condenser coils need cleaning to keep the heat transfer up and maximize efficiency.
 
Your blower fan must be cleaned and oiled to reduce friction, lower energy consumption and keep it in working order.
 
The evaporator coil needs to be inspected for leaks and damage to coil fins which can cause problems with refrigerant and heat transfer.
 
Your air filter should be cleaned or replaced four times per year on average. If you haven’t done it recently, your filter should be cleaned or replaced.
 
Your drain pan collects the condensate from your evaporator coil. Your drain pan needs inspection for damage, which can cause leaks. The drain line should be inspected for blockages as this can cause your drain pan to overflow, especially as the humidity rises.
 
If your control system isn’t working properly, you run the risk of using more energy or having your system fail completely. Your thermostat should be calibrated and all control wiring inspected.
 
Don’t let summer sneak up on you. Give us a call and we can make sure you’re well prepared for the heat. 
 

 
 
HUNTER SUPER TECHS
580-798-4606

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!

Rainy Day Family Fun!

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April showers bring May flowers and kids with cabin fever from being stuck inside! You don’t want to loose them to the rain and run the risk of them getting sick but they’re about to lose their minds if they have to stay inside any longer and  you’re about to do the same! For everyone’s sanity on a day like today we’ve rounded up a couple of fun activities and places to go in the area to keep the kiddos occupied!

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  1. Paint pottery at Unpluggist Paint & Play
    If you’re kiddo loves crafts then this might be  a great option for you! Here you’re able to choose a piece you want to paint, make your creation, and take it home! If you’ve also got a couple of kiddos with ants in their pants half way through painting, that’s fine too! There’s a play place here and it’s a totally kid friendly location so let them run wild!

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  2. Skating at Skate Galaxy OKC
    This is a terrific plan for parents who just need a breather from entertaining their little ones for a moment. Take them here, rent a couple of skates at an affordable price and then let them skate their hearts out until they’re tired! There are sure to be plenty of other kids for them to make friends with a play around with. If your kiddo doesn’t want to skate the whole time there are also arcade games there to play!

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  3. Head to Story Time at the Library
    You could read books at home and we of course know that no one tells stories to your kids better than you but sometimes it’s just a change of location they need. These readings are usually free and happen frequently! Just check out the times offered at your local library!

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  4. Try Out a Board Game Cafe
    There are a number of board game cafes in the area and there seem to be more and more popping up over time! Edmond Unplugged is a great example! Located in downtown Edmond, take the kids and sit down and pick out some games to try! Enjoy a refreshment while you play too!

 

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!

Maintenance Tasks That Will Save You $$$ In The Long Run

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Okay, so this isn’t the sexiest topic but maintenance is so critical to well… maintaining the integrity of your property! Some things are more important than others but it can be hard to differentiate what you really need to keep on top of and what you can get away with doing once a year. When something slips through the cracks (maybe literally) year after year there are potential pitfalls lying in wait that could cost you dearly. Let us remind you to not forget about these particular maintenance tasks and hopefully you’ll get to save your hard earned money in the end!

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  1. Roof and gutter maintenance
    Oh, leaves in my gutter? How cute! Fall! Then BOOM, you’ve got overflowing gutters, foundation damage, and drainage issues. Don’t indulge your sentimental side here, leaves in the gutter can cost you a lot of money in the damage they can do! It’s easy to forget to do this since you probably don’t check out your roof very much. Be sure to to check out your roof too! You can have minor cracks that you probably won’t notice if you’re not looking for them. They can allow water to slowly enter into your home and cause damage to ceilings and walls which will also rack up the bill! Be sure to spend some quality time with your roof and gutters, your wallet will thank you!

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  2. Creepy Crawler Critter Maintenance
    Unless you’re really alright with raccoons as roommates you might want to listen up. You’re careful… it’s not like you leave all your doors and windows open all the time and leave out bowls of cat food everywhere (to the people who identify with everything I just said… you might have raccoons). But even not doing those things can set you up with critters if you’re not being diligent about safeguarding the rest of your house. It’s easy to disregard those venty looking things sticking just slightly off your house but that’s exactly where your friendly family of squirrels will climb up in the winter time. Place mesh over vent faces and cover up any access points leading to underneath the house. Save yourself from waking up in the middle of the night to a mouse trying to make a nest in your hair and save yourself from hiring a pest control guy!

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  3. Chimney Maintenance
    I doubt that chimney cleaners look like Dick Van Dyke in Mary Poppins anymore but nonetheless be sure to step in time and be sure to inspect your chimney and have it cleaned regularly (how about that Mary Poppins reference, huh?)! It’ll make it easier for you to spot cracks should the ever appear! If you do happen to find cracks in the bricks of the flue or there are gaps in the mortar on the outside of the chimney between the bricks, your home could be in trouble. This sort of damage could ultimately bring the chimney down on your roof if you’re not careful! That’s why regular maintenance and inspection is so important!