Rosie Moore's Blog

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Real Estate Agent - Serving Sugar Land, Richmond, Rosenberg, Missouri City
RECENT BLOG POSTS
When buying a brand new home, two words come to mind: Energy Efficiency.   An excellent way to learn more about energy-efficient homes is to drop by a builder's sales office. They offer visual displays and can give you a crash course in "green" home construction. Based on my frequent visits to th...
03/15/2014
My next door neighbor contacted me to see if I could do a quick CMA for her son.  He is getting a divorce and his lawyer requested that he contact a realtor to get a CMA on the house. He purchased the home in 2009 for $222,000. As I was searching for comps, I noticed there were NO similar comps t...
03/08/2014
If a homebuyer's pre-approval letter expires, the lender can always re-issue another one.  The shelf-life of a mortgage pre-approval letter varies among lenders.  Generally speaking, a pre-approval letter is valid up to 90 days.  Suppose you have a 90-day letter, and you’ve found no potential hom...
03/01/2014
This is an excellent blog by John Meussner who shares tips on how to effectively shop for a mortgage loan while saving time and money. Shopping around allows you to see how different lenders operate, BUT what is more important is knowing HOW to shop around. Besides comparing the interest rate, bo...
02/10/2014
I thought I'd share this blog from Gene Mundt regarding the importance of homeowners insurance in the mortgage process. It's important for buyers not to procrastinate getting homeowners' insurance. This should be done at least two weeks prior to closing. The sooner the better. Any delays could po...
02/08/2014
  This is an excellent post by Jamie Russen. A good credit score is essential when purchasing a home.  If you want to improve your credit score, pay your bills on time and reduce your account balances, as they make up 65% of your total credit score. Here's the credit score breakdown:  35% - payme...
02/07/2014
 Often times, buyers think "pre-approval" and "pre-qualification" are the same thing. But, they are very different. Pre-qualification is based only on the information a borrower provides to the lender. The lender does not verify information about the borrower's assets, income and debts.  The lend...
02/07/2014
Staging, professional photography and an effective marketing plan are important to getting a home sold quickly and for top dollar.  Quite frankly, it annoys me when I see listing agents post terrible photographs on MLS and think these photos will sell a home. These agents are eager to get a listi...
01/29/2014
Now that you've executed a sales contract with the sellers, it's time to get approved for a mortgage loan. This is the most time consuming part of the transaction process. But, if you have all the paperwork together, the process should go smoothly. As a rule of thumb, it usually takes an average ...
01/27/2014
This is an excellent blog by George Souto that explains the difference between the Annual Percentage Rate (APR) and the interest rate, and why the APR is higher. When shopping around for the best rates on a mortgage loan, pay close attention to the APR.   The purpose of the APR is to help borrowe...
01/25/2014
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