lynn911.com If you have a bankruptcy or foreclosure when can you obtain another Dallas home loan? GENERAL RULE:  Bankruptcy You can obtain an FHA loan two to three years from the date of your bankruptcy discharge, As long as you've maintained good credit since your debts were discharged. Foreclosure Maintain your credit in excellent shape since a foreclosure, an FHA loan will be available to you two to three years from the final date of your foreclosure     RECOMMENDATIONS: Move prior to any information posted to your credit report Once reported on your credit report your deposits secure any home could be outside of your disposal income Locate a home you know can live in for approximately two to three years till you can qualify for another Dallas home. If you are seeking a Dallas homes ... 04/22/2009

That the food in most restaurants considered "fine" is expensive simply doesn't fit the bill at Dallas' Royal Thai on Greenville, near Park, behind the popular World Market store. Owned by a well-known chef and his brother, I doubt you will say that you have ever been in any restaurant where there was more pride of ownership.  To begin with, the interior is beautifully and tastefully decorated.  It is spotlessly clean....spotlessly clean always! Here's how they tell their story: "Gene and Jay Potchana opened Royal Thai in July of 1992 for many reasons, but mostly their mutual love of authentic Thai food. Before then, Gene enjoyed working in management while Jay thoroughly enjoyed cooking. He spent 12 years working for others in the restaurant business before finally deciding to take the... 04/21/2009

Earth Day, celebrated April 22, was founded by U.S. Senator Gaylord Nelson as an environmental teach-in in 1970. Earth Day's purpose is to inspire awareness and appreciation for the Earth's environment. It is held annually during both spring in the northern hemisphere and autumn in the southern hemisphere. In observance of Dallas' Earth Day, Verizon offers 9 tips for using technology to help you live a greener lifestyle: 1. Telecommute one day a week or once a month. Working from home using broadband connections can help reduce traffic congestion and reduce your fuel bill. 2. Recycle cell phones that are no longer used. Donating old phones to recycling programs will keep batteries out of landfills and help raise funds to assist domestic violence survivors. 3. Switch to paperless billing... 04/21/2009

  lynn911.com I may have missed an article published in newspaper that you can just "order the tax credit purchase a Dallas home for sale. " as if you drove through fast food lane Past week I received approximately 5 similar calls Dallas home buyers wanting order their tax credit. I am a Dallas Realtor, and loan officer happy to assist anyone purchasing a Dallas home  -answer any questions.   Required steps purchase a home and receive tax credit: 1)  You must qualify for a home loan prior to receiving any tax credit 2)  Qualification process involves the following: a)  Loan officer pulls your credit scores NO other credit reports OR statements OR your assumed credit consider valid b)  Debt ratio - how much you owe vs. income earned c)   Employment history - 2 years or more d)   Down-pay... 04/20/2009

You know I was raised on the Texas coast where fresh seafood is not a luxury!  In fact when I was a kid, my mom kept a couple of pounds of fresh boiled shrimp in the refrigerator for us to snack on when we came home from school. Galveston parents weren't into the cookies and milk routine. Well, in general, Dallas couldn't have worse seafood for sale in its markets and restaurants if it tried harder!  Just awful.  And Patty and I have to have our fresh red snapper, flounder, lump crab meat and shrimp. Here's the source.  Flown in fresh several times daily.  T.J.'s Seafood on Preston Road.   BILL CHERRY, REALTORS DALLAS - HIGHLAND PARK 214 503-8563 On the Web   04/20/2009

Greetings North Texas home stagers! We are officially starting the process of bringing a Dallas Chapter of RESA to our area and you're invited to attend the 1st "Meet & Greet Kick-Off" . Graciously hosted by CORT Furniture Rental at their Irving Conference Center with snacks provided by Energized Seller. The purpose of this kick off meeting is to network and get to know about each other and the mission of RESA nationally and for our local area.  This will be the first of 3 meetings with the 3rd meeting being the "first official Dallas Chapter meeting" once we've laid the ground work, gotten the commitment from members who are willing to take leadership roles and other members who are interested in stepping up and growing the home staging industry locally through our Dallas RESA Chapter.... 04/19/2009

No I am not talking about the F word that I am sure has already crossed your mind when you think of buying or selling a home!   I am talking about FUN!  Nick Good of The Good Home Selling Team strives to make buying or selling a home as fun and stress-free as possible!   Buying or Selling a home is typically the largest financial task you will ever do...So we already know that most people will be stressed about this.  Nick takes the stress out of buying or selling a home by keeping you  up to date with everything going on in your real estate transaction... Whether it is getting TOP DOLLAR on your home or making sure that when you are buying a home that the seller pays for 100% of your closing cost!   Interest rates are at an all-time low and if you are buying or selling in the Dallas T... 04/19/2009

lynn911.com Dallas Fort Worth Real Estate Auction for home buyers If you are a Dallas home buyer interested in purchasing a Dallas home for sale via an auction have you read the fine print? a)  Who pays the Dallas auction house 10% .....included in your loan value and purchase cost? b)  Who pays for closing costs....included in your winning bid amount? c)   If you don't pursue the Dallas property purchase do you forfeit the money you paid as a deposit? d)   Does your deposit apply towards closing costs? e)   Can you have a professional inspector AFTER you secure your winning bid IF you don't like inspectors findings cancel your bid have all your money returned? f)    Have you previewed the Dallas bank foreclosure prior to auction? g)   Do you know the value of Dallas home for auction? N... 04/18/2009

Many consumers today are understandably worried about their nest egg. For many of them, however, their Dallas "nest" is the best investment they can make.  Not only does owning a Dallas home help people build long-term wealth, but also it provides shelter and security for their families and fosters involvement in community life. In essence, homeownership is the cornerstone of a healthy community.    U.S. Census Bureau data shows that Dallas homeowners move less frequently than renters. This stability is important in creating strong foundations for both families and communities.  A recent NAR research study shows that Dallas homeowners are more likely to vote, volunteer time for civic events or participate in local crime prevention programs because they're invested in what happens in the... 04/17/2009

  On Saturday, April 25, 2009, Walk Like MADD, a 5K walking event benefitting Mothers Against Drunk Driving, will take place in Dallas’ Uptown neighborhood.  The Opening Ceremony will begin at 8:30 A.M. with walker registration and step off will be at 9:00 A.M. MADD is a non-profit organization with approximately 600 local chapters.  Their programs and services (with an emphasis on youth and the prevention of underage drinking) help to make our communities safer places through raising public awareness and educating people about the dangers associated with drunk driving and aiding the victims of this crime. More information about MADD and Walk Like MADD can be found on the MADD website.  - - - - - - - - - - - - - - - - - - - - - - - - - - - - And as long as you will be in Uptown and walk... 04/17/2009

lynn911.com   IS IT WORTH DRINK AND DRIVE One of my professional business partners has been going through a horrible week. Perhaps this story will STOP you OR a friend from driving ! Over weekend with a family friend returning back to Dallas hit by a drunk driver.  Killed the driver of other car, her husband and friend in critical care. Driver of the other car drunk a father of 3 small children under age of 7 years old.  May we say a pray for all parties.  My business partners husband has had surgery and his friend will most likely have a long BUT full recovery. Stop and think of yourself, family, innocent person(s) next time you drive after a few drinks OR allowing a friend to drive.     National Featured Realtor and Consultant, Mortgage Loan Officer, Lecturer regarding Credit Repair  ... 04/17/2009

lynn911.com   Sign statement very simple, and direct Can you imagine if all is true how many jobs may have been saved if executives DID NOT take such large bonus which includes any industry out there. I financially sacrifice “income” to keep a person employed who support me in my personal and professional lifestyle Billboard located directly across entrance of corporte headquarters & DFW airport !   National Featured Realtor and Consultant, Mortgage Loan Officer, Lecturer regarding Credit Repair – Lynn911 04/14/2009

It pays to pay on time. The No. 1 way to raise your credit score? Pay all of your obligations on time. Your payment history constitutes 35% of your credit score.  That includes library fines and parking tickets. Municipalities have become increasingly aggressive about turning over delinquent accounts to collection agencies, which will drag down your score. One late payment reported to a credit bureau can drop your score by 100 points, particularly if you had a high score. Late payments can remain on your credit report for seven years. Bankruptcies appear for 10 years. If you find an error in your credit report, ask the creditor to correct it, then notify the credit bureau by sending a certified letter and copies of documents that support your claim. If the error isn't fixed, the bureau ... 04/14/2009

More and more Dallas homebuyers looking for green features in the home they buy. The green trend is a means of lowering costs, becoming more environmentally friendly, and adopting a healthier lifestyle.  The average green buyer will shell out $12,400-on average-for green features, according to the National Association of REALTORS. National Association of Home Builders green-building standards program manager Kevin Morrow expects the market share of green-certified homes to rise to 20 percent in 2010 from about 10 percent in 2009 and 2 percent in 2006.  Green features Dallas homebuyers are looking for include energy efficiency, water efficiency, resource efficiency, and indoor air quality and include such elements as Energy Star appliances, low-flow shower heads, carpets and paint with l... 04/13/2009

lynn911.com Cost savings on landscaping projects FREE BUILDING MATERIALS Many builders new construction projects have surplus materials NEVER USED they place in a certain area of subdivision upon completion of home.  “Surplus piles” are priceless in many instances materials you can use at your own home.  Once new home development is completed builder will usually load these materials take to city dump.  CATCH:  You need contact builder to confirm FREE possession load up these extra materials if not you can be arrested for stealing    PROJECTS I HAVE COMPLETED: I own several homes outlined flower beds 600 bricks cost savings $1000 Another home completed flagstone projects around several trees for planter box, walkway, currently using bricks to widen a sidewalk.   Overall savings $2500 in... 04/13/2009

lynn911.com   Office of Lynn911.com Dallas Real Estate Team Wish everyone and their families a wonderful Easter Sunday, spent with friends and relatives. May you enjoy the memories, including the smiles of our children while decorate Easter Eggs, hear the screams of laughter during the festival egg hunts, and   wonderful display of holiday dress.     04/12/2009

Many people look at the calendar for this week and they see holidays… Passover, Good Friday and Easter.   And others see something more ominous… the beginning of ALLERGY SEASON! I have suffered from seasonal allergies my entire life and I know that I can count on several sinus infections or bouts with hay fever each year… it’s a given.  If you are an allergy sufferer too, you know what I am talking about.  Interestingly, one thing I have never been good at is understanding the pollen count info that is presented on the evening news and how that info affects my allergies… but that is about to change! If you suffer from allergies and want more info on the allergy forecast for your area, check out Pollen.com.  This website is great!  It not only offers a pollen forecast and e-mail alerts,... 04/11/2009

  I have nothing against rocking chairs or whittling, but this Porch is all about the food!   The Porch, located at 2912 N. Henderson Avenue in Dallas is a great indoor/outdoor dining experience in the heart of the Knox/Henderson Dining and Retail distict. Offering interesting variations on traditional American cuisine, The Porch creates a dining experience that combines a hip, fun and lively atmosphere with delicious foods that make you feel at home.  That, combined with the great outdoor patio facing Henderson Avenue could definitely have been the inspiration for the restaurant’s name. Offering both lunch and dinner menus, The Porch never seems to disappoint.  The food and service levels seem always consistent.  The staff is friendly and attentive, yet not hovering.  The bar staff mix... 04/11/2009

lynn911.com   HOW TO SAVE MONEY utilities bills have entire family participate  Approx. $3000 per year ! March bill Gas    -                                   $28.77   March bill Electric             -                      $35.48   March bill  Water, sewer, trash -               $47.64  Disconnected cable TV                            $70.00   Watch all programming via laptop !  $840 year savings ! Estimated savings over 3/08 approx.       $250 month x 12 months = $3,000 year If your entire family participates it is amazing how much money you can save overall.  We unplugged items not used for electric, dressed warmer cooler weather, additional blankets at night, used less light around house in evening. HUGE REDUCTION We decided audit …. last year utility bills and overall savings to thi... 04/11/2009

If you are buying Dallas real estate, you will want to know what your credit score is. Lenders look at your credit history, debt-to-income ratio and your credit score when qualifying you for a home loan. Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history. 2. How much you owe.If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it's a good thing if you have a good proportion of balances to total credit limits. 3. The length of your credit history. In gener... 04/11/2009