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Susan Kelley

  • An Overlooked Must Do When Selling Your Home

    We often realize we must get preapproved for a loan when purchasing a home, but how often do we consider how important it is to get preapproved for a loan when we list our home "For Sale"?  What if you were to List your Home for Sale, get a contract on your home, only to find out when you go to look for your next home to purchase, that you don't qualify for a loan?  How sad that would be to find out your about to become homeless!  Sellers really must get preapproved for a loan for their next purchase as soon as you consider listing your current home for sale.  This would eliminate heartaches down the road.

    And while you're in the market for a move, consider other things you should or should not do to get a loan:
    Do - Make sure you are current on any credit card or mortgage payments and have no late payments for the past year
    Don't - Close out any accounts or pay them off entirely but keep a low balance on credit cards
    Don't - Go out and make large purchases on furniture or take expensive vacations while you are under contract to purchase a home
    Don't - Change careers for at least 6 months to a year before making an offer to purchase a home
    Do - Rely on a REALTOR to assist you in the negotiating process in the purchase or sale of a home.  Remember they are the Professional and can make your selling/buying process as painless and stress free as possible, and might keep you from being sued.

    Happy Hunting!

    Posted Monday, December 26, 2011 1:51 PM by The Gruene Team | 0 Comments

  • Manufactured Home For Sale in Comal Farms

    104 Dove Crest Loop
    Excellent Condition

    • 1,152 sq. ft., 2 bath, 3 bdrm manufactured home "In Mobile Home Park" - $34,000 - PRICED TO SELL

    Comal Farms, New Braunfels  -  3/2 Manufactured Home in Mobile Home Park on Lg Corner Lot. Move-In Ready. Eat-On Bar Separates Kit from Living Area. Ref, Elec Range, Dish Washer, Washer/Dryer all remain. Covered Porch. Storage Bldg. Double Car Drive. Nicest Manugactured Park in Town. Buyer must be approved by Comal Farms Management before purchase, and land rent is required. Sub had nice sized pool, play ground, Basket Ball Court. Security Gates.

    Property information

     

    Posted Wednesday, May 05, 2010 11:22 AM by The Gruene Team | 0 Comments
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  • Manufactured Homes

    It is getting harder and harder to find a lender who will loan on a manufactured home, but I continue getting more and more calls from people looking for a manufactured home to purchase. I believe people are thinking they can purchase a manufactured home and have lower payments, but heads up, this is not so. Take for example the man who called me about one of my listings that is a manufactured home. When asked why he wanted to go with a manufactured home, he stated it was because he wanted to keep his payments lower. After I asked him if he had considered purchasing a "real" home (many do not consider a manufactured home even on land, a "real" home), he had not. Therefore, I asked him if I could have a lender call him to get him prequalified for both, a manufactured home and a built home. He accepted the offer. After prequalifying him both ways, we found the he could afford my listing of the $49,000 manufactured home on land but his interest rate would be 13% for 15 yrs, and that is with good credit. However, we also found he could afford a $150,000 home at 5% interest for 30 yrs. Also the monthly payment would be basically the same for both. So if a client wants a manufactured home to keep their payments low, find out their qualifications for the purchase of a built home. They, and you, might be surprised and in the end, they will own a home with more selling power when they decide to move.
    Posted Sunday, January 17, 2010 9:28 AM by The Gruene Team | 0 Comments

  • Times are changing

    Times are changing - fast. The current lenders in our area are telling us REALTOR'S that after the first of next year, interest rates will likely climb and quite possibly into the double digit figures. If you are interested in buying or selling your home, you should not wait. Buyers, the interest rates are still very, very low. Even though the figure changes almost daily, you can still lock in a loan for around 5% for a 30 yr fixed. What are you waiting for?  Buy, Buy, Buy, and now!

    Sellers, I've heard people lately say, "I know this is a buyer's market, so I'm going to wait to sell my house later."  So what if it is a buyer's market. That only means there are a lot of homes on the market for the buyer's to choose from. Right now the buyer's are buying, but if the interest rates should go up to double digit after the first of next year, who will buy your house then?  If the buyer's are buying now, doesn't it make sense to put your home on the market now. And if you've done your homework of getting your house it tip top shape, it shouldn't be hard for buyer's to choose your house ove the one down the block. What are you waiting for? Put your house on the market now!

    Posted Saturday, December 05, 2009 7:48 PM by The Gruene Team | 1 Comments

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