No mortgage insurance for you!No MI with just 10% down on your next mortgage is available now for well-qualified homebuyers.  The Richard Woodward Team is here to make mortgages easier – and less expensive.  Get the best program custom-designed for your needs, low rates and cost.What Is Mortgage Insurance And How Does It Work?Mortgage insurance or MI, reduces the risk for a lender to take out a loan, so you can apply for a loan that you would not otherwise be able to get. Typically, borrowers who make a down payment of less than 20% of the purchase price of the home will have to pay for mortgage insurance. Mortgage insurance is usually also required for FHA and USDA loans. Mortgage insurance reduces the risk for a lender so you can put down as little as 3%.  Check out our first-time hom... 11/24/2021

Introducing our Mortgage Rate Lock & Shop Program.Traditionally, home buyers are unable to lock in an interest rate until they have found a home and executed a purchase contract. Most mortgage lenders will not allow you to lock in the interest rate until they receive an executed purchase contract. That’s normally okay in a declining interest rate market but when interest rates are going up, that could cause some problems.I’m proud to introduce our Lock and Shop mortgage rate program. The lock and shop program allows homebuyers to lock in the interest rate once they have completed a full application and provided all the documentation necessary to seek full approval. Once this has happened we will issue a full conditional approval subject to an acceptable appraisal, title report, and surv... 11/09/2021

8 Things to Know About Selling Your House Before or After DivorceThere are many things to consider and decisions to make when going through a divorce process. One of them is figuring out what to do about the house. In some cases, one of the partners keeps the house; however, this can become an increasingly difficult situation to manage, especially when there are debts involved. This is why many couples choose to sell the home and split the money obtained. That said, this is a complex process and there are some things you need to know to make it as painless as possible.Retaining the house is equally complex.  To learn how to divide the equity in a divorce visit our previous blog post. How to divide the equity in a divorce | Here is what to know.Ways to Sell Your House During Divorce 1.  ... 08/02/2021

In a previous blog, I mentioned that as a Real Estate Professional, you file Schedule C, the Tax Form that is the form most audited by the IRS.  The IRS has found that Schedule C’s contain a large number of errors compared to other forms and finds that they are very successful with audit changes to the returns, and able to recover a higher amount of additional taxes to the taxpayer that is audited. If you are one of those unlucky individuals that get an audit invitation in the mail, what do you need to do to make sure that you have documented your return properly?  We’ve already discussed that you don’t want to represent yourself unless you’re an attorney or experienced in handling audits.  In addition, you need to have an effective bookkeeping system and have your records organized in ... 08/01/2021

Refinance rates drop as Fannie Mae removes adverse market fee.Refinance rates drop as #fanniemae and #freddiemac drop the adverse marketing fee.  This will enable more of the 12 million homeowners that have not already refinanced take advantage of these new lower rates.Tumbling mortgage rates just went even lower following news that an unpopular fee on refinances is coming to an end.A surcharge of one-half percent, meant to offset pandemic related losses for Fannie Mae and Freddie Mac, created a stir when it was implemented last summer; but now homeowners can breathe easy since the charge will be eliminated.Now that lenders don’t have to pay an Adverse Market Refinance Fee, they can pass on the cost savings to borrowers. The Enterprises (Fannie Mae and Freddie Mac) got rid of this fee e... 07/21/2021

Veteran’s Home Loans for Weston TexasIf you are reading this, you or a family member have likely served in our military.  First off, we would like to say a sincere “Thank You” for your service!  We recognize that not only do our Veterans sacrifice by serving, but their families do as well-, and we owe you all a debt of gratitude!One of the best benefits Veterans and their families receive due to their service to our great country is the VA home loan benefits.  We are going to outline just a few of these significant benefits in this article for you. Here are some of the major benefits you may receive by using your VA home loan benefits:*100% financing available- one of the very few loans available with no down payment!*Lower rates available than most loan programs- which saves you money ... 06/08/2021

Bridge Loans | How to Buy Your Next Home Using a Bridge Loan without selling first.A bridge loan is often used in real estate transactions to provide cash flow during a transitional period, such as while moving from your current residence into your new home. Homeowners can use these short-term loans, which can help quickly put more cash in their pockets, to finance the purchase of a new home or pay off an existing debt obligation.For many, it's a common misconception that you have to sell your old home to buy a new one. But with the help of a bridge loan, you can buy your next home without having to worry about selling the current one first. In this article, we'll explore how they work and what they can do for you!The Richard Woodward Team wants to make sure you're well-informed on all ... 06/03/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 304 E Stone Road 1,076 3 1.1 No $239,500 1205 Quail Meadow Drive 1,630 3 2 No $250,000 522 Stone Circle 1,332 3 2 No $250,000 1805 Eastfork Lane 1,700 3 2 No $275,000 216 Lake Travis Drive 1,634 3 2 No $275,000 1504 Schooner Bay Drive 1,303 3 2 Yes $279,000 918 Ann Drive 1,893 3 2 No $280,000 302 Springwell Parkway 1,775 3 2 No $289,000 1211 Periwinkle Drive 1,872 3 2 No $300,000 211 Forestbrook Drive 2,009 4 2 No $304,000 100 S Rolling Meadows Drive 2,258 4 2 No $310,900 1204 Wyndham Drive 1,412 3 2 No $315,000 307 Lochwood Drive 1,668 3 2 No $318,000 210 Cedar Ridge Street 2,392 4 2.1 No $320,000 1416 Anchor Drive 1,706 3 2 No $320,000 110 Cliffbrook Drive 1,727 3 2 No $335,000 1304 Greensboro Drive 2,343 3 2.1 No $339,900 ... 05/28/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 2412 Richmond Drive 1,292 4 2 No $235,000 1627 Hawthorne Lane 1,051 3 1 No $235,000 1812 Overglen Drive 1,261 3 2 No $247,000 2701 E 15th Street 2,266 4 2.1 No $250,000 1304 Cherokee Trail 1,872 3 2 No $279,000 2033 Willow Lane 1,887 3 2 No $287,000 924 Longhorn Drive 1,521 3 2 No $310,000 5040 Frontier Lane 1,780 3 2 No $315,000 2524 Laurel Lane 1,863 4 2 No $325,000 1301 Windy Meadow Drive 1,828 3 2 Yes $330,000 409 Ruidosa Circle 2,076 3 2 No $335,000 913 Lombardy Drive 2,113 4 2 No $345,000 6612 Berretta Drive 1,925 4 2 No $349,900 1327 E 16th Street 1,514 3 2 No $349,900 1025 Revere Circle 2,710 4 2.1 No $350,000 3801 Sailmaker Lane 1,444 3 2 No $351,000 3109 Hilltop Lane 1,988 3 2 No $375,000 1413 Amherst Drive 1,911 4 ... 05/26/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 809 Sunny Slope Drive 1,277 3 2 No $235,000 628 Mountain Side Drive 1,347 3 2 No $250,000 311 N Bonham Drive 1,824 4 2 No $289,000 811 Lake Highlands Drive 1,987 3 2.1 No $320,000 1 Shannon Court 2,064 3 2 No $330,000 1404 Lighthouse Lane 2,167 3 2 No $364,900 1615 Salvia Springs Drive 2,277 4 2 No $369,900 1618 Briarhollow Court 2,211 3 2 No $369,900 1402 Sunderland Court 2,189 3 2 No $373,000 1702 Briarhollow Drive 2,210 3 2 No $390,000 2001 Knights Court 2,474 4 2.1 No $440,000 1939 Palisade Court 2,808 4 3.1 No $450,000 1035 Quail Valley Road 1,642 2 2 No $484,400 901 Charles River Court 2,432 2 2.1 Yes $499,000 1300 Neches Drive 3,103 3 3.1 No $499,900 1041 Quail Valley Road 1,948 2 2 No $519,400 431 Fox Trail 2,940 4 3.... 05/26/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 207 E 3rd Street 949 2 1 No $249,000 207 E 5th Street 2,016 3 2   $399,000 15932 Placid Trail 2,423 3 2.2 No $435,900 1424 Candler Drive 3,176 4 3.1 No $440,000 2730 Bluegill Lane 3,542 4 3 No $630,000 841 Willowmist Drive 4,142 4 3.1 No $649,900 1051 Lone Grove Lane 2,348 3 2.1 No $664,162 2771 Clarendon Court 3,003 4 3.1 No $665,000 2731 Kingston Street 3,148 3 3 Yes $800,000 1900 Thackery Lane 4,888 5 4.1 No $835,000 3244 E Prosper Trail 3,800 4 2.1 No $850,000 1721 Star Trace Parkway 4,161 5 5.2 No $870,000 1320 Brittany Way 5,136 4 3.1 No $899,900 2170 Ivywood Lane 3,664 4 4.1 No $918,900 2150 Ivywood Lane 3,991 4 4.1 No $963,900 2190 Bryn Mawr Drive 4,861 5 5.1 No $1,040,900 1940 Cattle Drive 4,442 4 4 No $1,149,000 281... 05/25/2021

  Address SqFt Total Beds Total Baths Total Pool Current Price 621 Pride Court 1,100 3 2 No $215,000 1036 Daniels Drive 1,100 3 1.1 No $219,900 106 Belden Circle 1,272 3 2 No $230,000 404 Short Street 1,781 4 2 No $239,900 2808 Sundance Drive 1,294 3 2 No $260,000 9221 Norfolk Lane 1,458 3 2 No $267,500 313 Franklin Avenue 1,152 3 1.1 No $270,000 1202 1st Avenue 972 3 2 No $285,000 805 Paula Road 1,444 3 1.1 No $290,000 3617 Rand Creek Trail 1,342 3 2 No $295,000 411 S Benge Street 1,158 3 1.1 No $295,000 1804 W Josephine Street 1,464 3 2 No $299,990 8304 Twin Oaks Drive 1,815 3 2 No $310,000 3416 Loblolly Lane 2,904 4 3 No $320,000 3101 New York Avenue 2,064 3 2 No $320,000 2804 Sundance Drive 2,000 3 2.1 No $327,000 5308 Hampshire Drive 1,951 3 2 No $334,500 1000 Greenbriar Lane 2,669... 05/20/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 1648 Princess Lane 1,873 3 2 No $276,900 10699 Keathley Drive 1,883 3 2 No $310,000 9420 N County Road 1,122 3 2 No $329,000 11805 Summer Springs Drive 1,777 4 2 No $330,000 2680 Honeybee Lane 1,549 2 2 No $335,000 1558 Birmingham Forest Drive 1,532 2 2 No $335,000 13325 Duesenberg Drive 1,955 3 2 No $339,000 5517 Baton Rouge Boulevard 2,300 4 2.1 No $347,000 4072 Sun King Lane 2,096 4 2 No $350,000 3801 Blessington Drive 1,758 3 2 No $350,000 11916 Port Road 2,137 4 2.1 No $370,000 9909 Mallory Drive 2,249 4 3 No $389,900 7405 Saint Petersburg Drive 1,920 2 2 No $399,900 11908 Cape Cod Springs Drive 1,794 3 2 No $399,900 1447 Celebration Drive 1,712 3 2 No $399,900 1048 Colleton Lane 2,633 4 2.1 Yes $400,000  *information ta... 05/19/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 4522 Nervin Street 1,246 3 2 No $245,000 5013 Wagner Circle 1,711 3 2 No $250,000 5408 N Colony Boulevard 1,425 3 2 No $275,000 5124 Alpha Drive 1,379 3 2 No $280,000 7001 Northpointe Drive 2,095 4 2.1 No $285,900 5057 Roberts Drive 1,856 4 2 Yes $350,000 5608 Westwood Lane 2,314 3 2.1 No $364,900 6501 Maple Drive 2,350 4 2 Yes $380,000  *information taken from ntreis If you are interested in viewing any of these homes or would like more information, give me a call at 469-371-2899.  I have helped many first-time home buyers and people who are downsizing get into their homes. I'm here for you! CLICK HERE TO VIEW ALL LISTINGS  My client's reviews and testimonials are available below and on LinkedIn  “Susie is a very detail-orie... 05/19/2021

NO Down ,$200-$300 for New Construction in Lavon Texas If You Qualify!Don't let anyone tell you there are no homes available! Lavon TX is building a new community & this is your chance to move to one of the hottest new communities in Lavon, Texas !!  This new community is close to Lake Lavon, Lake Ray Hubbard  & in Community ISD!  Lakepointe in Lavon is a premier new community with walking trails, resort style swimming pool & a slated new Brookshires Grocery Store coming soon! Approximately 15 minutes to Interstate 30 or Interstate 190 for commuters. This is the perfect place to live where you love but not to far to commute to your workplace ! Prices range from Low $200's to the $400's. There are 3 builders to choose from who "build as they sell"  Inotherwards you will choose from what ... 05/17/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 103 S 4th Street 768 2 1 No $150,000 3007 Lake Vista Drive 1,374 3 2 No $220,000 301 N Winding Oaks Drive 1,401 3 2 No $225,000 604 Dielman Drive 1,550 3 2.1 No $234,900 1514 Coral Reef Lane 1,390 3 2 No $245,000 106 Enchanted Forest Drive 1,639 4 2 No $274,000 233 Lake Travis 1,635 3 2 No $290,000 1302 Huntsville Drive 1,781 3 2 No $292,000 3300 Creekwood Drive 1,872 3 2 No $309,000 1222 Majestic Way 1,912 3 2 No $315,000 706 Gateway Bend 1,806 4 2 No $315,000 1204 Wyndham Drive 1,412 3 2 No $315,000 1816 Brookridge Drive 2,057 3 2 No $319,900 1416 Anchor Drive 1,706 3 2 No $320,000 307 Lochwood Drive 1,668 3 2 No $320,000 413 Da Vinci Lane 1,924 3 2 No $325,000 3101 Glenwood Drive 2,088 3 2 No $332,900 110 Cliffbrook Drive ... 05/16/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 1608 Judy Drive 1,108 3 1.1 No $215,000 2809 N Avenue 1,214 2 2 No $239,900 1812 Overglen Drive 1,261 3 2 No $250,000 3713 Mckinley Drive 1,544 3 2 No $254,900 3205 Oak Vista Drive 1,452 3 2 No $289,900 1400 Finley Drive 1,748 3 2 No $309,999 924 Longhorn Drive 1,521 3 2 No $310,000 5040 Frontier Lane 1,780 3 2 No $315,000 1421 Heidi Drive 1,760 3 2 No $319,900 3844 Beaumont Lane 1,414 3 2 No $320,000 1804 Crescent Creek 1,788 3 2.1 No $325,000 4432 Denver Drive 2,060 4 2.1 No $329,000 4508 Cleveland Drive 2,099 4 2.1 Yes $330,000 2008 Cross Bend Road 2,089 4 3 No $330,000 3444 Timber Brook Drive 2,002 3 2 No $335,000 4540 Fremont Lane 1,727 3 2 No $335,000 4460 Junction Drive 1,634 3 2.1 No $335,000 952 Goodwin Drive 1,930 3... 05/15/2021

Address SqFt Total Beds Total Baths Total Current Price 400 N Central Expy 1,137 3 1.1 $195,000 1000 Harrison Drive 1,320 3 2 $215,000 713 Meadow Mead Drive 1,430 3 2 $259,500 708 Willow Oak Drive 1,922 3 2.1 $278,000 311 N Bonham Drive 1,824 4 2 $289,000 720 Bush Drive 1,876 3 2 $295,000 1112 Dove Brook Drive 1,549 3 2 $295,000 1534 Sleepy Hollow Drive 1,781 3 2 $325,000 2029 Saint Anne Drive 2,009 3 2 $339,900 1620 Bur Oak Drive 2,210 3 2 $343,000 800 Heritage Court 2,376 4 2.1 $343,900 1404 Brookside Drive 1,958 4 2 $345,000 2023 Westbury Lane 1,956 4 2 $349,500 1721 Long Prairie Road 2,128 3 2 $349,900 411 N Allen Heights Drive 2,468 4 3 $350,000 743 Whitman Drive 2,458 4 2.1 $350,000 822 Cedar Crest Lane 2,527 4 2.1 $370,000 1601 Lake Tawakoni Drive 2,324 3 2.1 $375,000 1585 Bradf... 05/15/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 207 E 3rd Street 949 2 1 No $249,000 1501 Coleto Creek Trail 1,800 3 2 No $461,000 16705 Lincoln Park Lane 2,174 4 2 No $482,000 16001 Brelsford Place 2,438 4 2.1 No $491,500  *information taken from ntreis If you are interested in viewing any of these homes or would like more information, give me a call at 469-371-2899.  I have helped many first-time home buyers and people who are downsizing get into their homes. I'm here for you! CLICK HERE TO VIEW ALL LISTINGS  My client's reviews and testimonials are available below and on LinkedIn  “Susie is a very detail-oriented, customer-focused, and proactive realtor. She is very responsive in her communication, a top quality that I think most realtors are lacking of. Her professiona... 05/12/2021

Address SqFt Total Beds Total Baths Total Pool Current Price 1036 Daniels Drive 1,100 3 1.1 No $219,900 404 Short Street 1,781 4 2 No $239,900 4417 Cordova Lane 1,274 3 1.1 No $258,000 5002 Quail Ridge Drive 1,527 2 2 No $269,000 313 Franklin Avenue 1,152 3 1.1 No $270,000 2322 Brookview Drive 1,171 3 2 No $285,000 2405 Rockhill Road 1,530 3 2 No $290,000 3617 Rand Creek Trail 1,342 3 2 No $295,000 10316 Cotulla Place 1,405 3 2 No $299,900 1804 W Josephine Street 1,464 3 2 No $299,990 9204 Chesapeake Lane 1,826 3 2 No $300,000 2150 Fm 546 1,621 3 2 No $300,000 9917 Pronghorn Road 1,817 3 2.1 No $325,000 2804 Sundance Drive 2,000 3 2.1 No $327,000 1922 Meandering Way 1,667 3 2 No $329,000 2515 Shadow Lane Drive 1,982 3 2 No $336,000 10108 Benwick Drive 2,136 3 2.1 No $339,900 3724 Creek... 05/11/2021