Special Government Home Renovation Loan Program using Sherman TX FHA 203k Renovation Loans.Many people are not aware of a special government loan program that is part of the Federal Housing Administration or FHA (a department within HUD). A buyer or existing home owner can do meaningful amounts of remodeling or updates to their existing home without having a higher cost second lien thanks to this special FHA loan program.However, this loan program doesn't allow for "luxury items" in your home such as a swimming pool, hot tub, or other accessories. Although, you can repaint, replace flooring and appliances, add a room to an existing structure (which can add to value tremendously as you increase the square feet of your home) as well as remodel cabinetry in kitchens and bathrooms.This loan... 11/04/2019

There are many benefits to a VA home loan. It’s important to know how these loans can help you. First, thank you for your service to our country. According to the Mortgage reports, VA loans stand apart for its combination of low rates, lenient underwriting, and secondary benefits. These are 10 VA loan benefits in Sherman Texas in 2019. These are:        No down payment on a VA loan        No mortgage insurance        VA loans have a government guarantee        Your ability to shop and compare VA loans        VA loans don’t allow a prepayment penalty        They come in many varieties        It’s easier to qualify for a VA loan        VA loan closing costs are lower        The VA loan offers funding fee flexibility    VA loans are assumable Backed by the U.S. Department of Veterans Affai... 09/27/2019

There are many benefits to a VA home loan. It’s important to know how these loans can help you. First, thank you for your service to our country. According to the Mortgage reports, VA loans stand apart for its combination of low rates, lenient underwriting, and secondary benefits. These are 10 VA loan benefits in Sherman Texas in 2019. These are:        No down payment on a VA loan        No mortgage insurance        VA loans have a government guarantee        Your ability to shop and compare VA loans        VA loans don’t allow a prepayment penalty        They come in many varieties        It’s easier to qualify for a VA loan        VA loan closing costs are lower        The VA loan offers funding fee flexibility    VA loans are assumable Backed by the U.S. Department of Veterans Affai... 09/20/2019

The benefits of a preapproval (not prequalification) for Home Loans in Sherman Texas . Many consumers are not informed on the proper way for buying a home. No question, this is a big decision, and one that can be either immensely stressful- or immensely enjoyable- depending on how you go about the home buying process of Home Loans in Sherman Texas and the surrounding areas. The key is to take the proper steps to educate yourself on your buying power, initial investment, and taking some time to think about your lifestyle choices. This article will cover all of these.   Education   The steps necessary to purchasing a home in Sherman, Texas starts with getting pre-approved for your home loan. Notice we did not say get prequalified- in today’s world a prequalification is not meaningful. You... 08/19/2019

Surrounding Sherman area is a prime area for 100% financing on a home loan. Sherman, Texas buyers can get 100% financing on new home purchases in close by areas.This 100% program is truly not just for rural housing but for most of the geographic areas surrounding Sherman, Texas qualifies for: - 100% Financing Available- Small Monthly Mortgage Insurance (.30% of loan amount per year)- Interest Rates are still very competitive compared to Conventional and FHA. The biggest benefit is no down payment to a USDA loan- true 100% financing- with long term, 30 year fixed rate loans. Low MI (mortgage insurance) compare it to FHA and Conventional and see the savings! Let's take a look at qualifying requirements for a USDA home loan: There are some geographic areas that do not allow for USDA loans-... 05/29/2019

Veterans now have access to a new VA renovation loan to refurbish or remodel their homes.  This loan program is available for new home purchases as well as for remodeling homes currently owned by the veteran.  It is estimated that over 50% of homes nationally are 40 years or older, and in the current housing market many homes are in need of updating, addressing deferred maintenance, or improving the energy efficiency of homes to lower utility costs.VA loan benefits include the following unique advantages:  a.  up to 100% financing, b.  no mortgage insurance, c.  up to $ 35,000 in renovation funds escrowed, d.  all renovations must be completed within 60 days of closing, e.  you can close on a purchase or refinance in the “as is” condition, f. you can borrow against the future value of t... 05/07/2019

Veterans now have access to a new VA renovation loan to refurbish or remodel their homes.  This loan program is available for new home purchases as well as for remodeling homes currently owned by the veteran.  It is estimated that over 50% of homes nationally are 40 years or older, and in the current housing market many homes are in need of updating, addressing deferred maintenance, or improving the energy efficiency of homes to lower utility costs.VA loan benefits include the following unique advantages:  a.  up to 100% financing, b.  no mortgage insurance, c.  up to $ 35,000 in renovation funds escrowed, d.  all renovations must be completed within 60 days of closing, e.  you can close on a purchase or refinance in the “as is” condition, f. you can borrow against the future value of t... 02/27/2019

Sherman TX VA Loans and 100% Tyler TX VA Loans - the best loan program in Texas!  VA Mortgage Loans are one of the best mortgage loan programs available today for both honorably discharged Vets and active duty military personnel.  Here are some of the great features of this fantastic program:  - Zero Down Payment, 100% financing.  - Monthly mortgage insurance is not tacked on to your payment.  - Easier credit qualifying compared to other types of mortgage loans.- VA Mortgage Rates are low compared to other types of home loans.   How do you know if you qualify for Sherman TX VA Loans?  You must first verify your eligibility. Eligibility is verified by ordering your Certificate of Eligibility or COE. A Texas VA loan lender can order your COE quickly for you, or you can go directly to the ... 10/02/2018

Being a First Time Homebuyer in Sherman, TX makes you have to consider your options before you buy. The first thing you will need to consider is what your long-term goals are with being a home owner  and how your goals fit in with that plan. One goal could be to stop paying rent that just increases after every lease you renewBuying your own home first is one of the happiest times of your life! However, a lot of paperwork and time goes into it and finding a lender with great reviews will ease much of the stress. But, the satisfaction you get from your first home closing is something you will never forget! The benefits of being a First Time Homebuyer in Sherman, TX greatly outweighs renting for the following reasons:          Greater privacy.          Homes typically increase in value the... 07/11/2018

5 Things to do in Sherman Texas  1. Hagerman National Wildlife Refuge6465 Refuge Rd, Sherman, TX 75092-5878903-786-2826 You will find many fun outdoor activities here.      Wild Life Watching , there is a 4 mile route to drive to see many birds, with wet lands , cropland and open water areas that will allow you to see the birds along the way.      Nature Trails, enjoy the great outdoor life with a stroll along the trails of Hagerman National Wildlife Refuge. You can get a list by stopping by the Visitors center.      Audio auto tours, enjoy the ride with an audio tour in your very own vehicle. You will learn about the history of Hagerman and much more.      Fishing is a fun way to relax the day away.      Butterfly garden is available as well watch the beauties flutter around you.    2.... 02/19/2018

DAWG  Dog Adoption today 07-08-2017 10-3 pm  Are you thinking about a fur baby addition to your family? Then today is the day to head on out and adopt a fur baby that is just waiting for you to love them. Saturday July 8 2017 at PETSMART  in Sherman , the Denison Animal Welfare Group has fur babies you can adopt. These beautiful fur babies are looking for a furever home and you could just be the one that puts a smile on their sweet faces. What better way to make their weekend than to save a sweet heart that is sure to give you a lifetime of love and affection. The Denison Animal Welfare Group  has the perfect pet for you these darlings will be already spay and or neutered, all shots and a Microchip included in the small fee  for adoption. This program is today July 8th from Ten to Three... 07/08/2017

Hagerman Wildlife Refuge offer fun programs for kids. There are two programs geared to age groups which are 4-7 and then 8-12. On July 15 2017 from 10 am to 11:30 am This months topic will be on Eagles. Soar high with the knowledge of the Eagles on Lake Texoma. You will learn  and have fun at the same time.  As the eagle flies high above. Learn facts about The United States of America's  national symbol, the Bald Eagle this month July 15 2017. Here is an  example, did you know that an Eagle's nest is 6 feet across wow that is amazing can you image how large that really is - the largest one ever found was the size of a small vehicle!This event is FREE  but it is a good ideal to register to ensure that everyone has the materials needed to learn more about the Eagles on Lake Texoma and Hag... 07/04/2017

December 2016 Real Estate Market Summary for Sherman, TX (MLS Area 37)   Month Year to Date   2016 2015 % Change 2016 2015 % Change New Listings 41 35 -14.6 645 663 2.8 Closed Sales (Reported) 39 47 20.5 510 555 8.8 Closed Sales (Projected) 39 53 35.4 510 561 10.0 Listings Under Contract 28 40 42.9 516 563 9.1 Average Sales Price $143,283 $164,634 14.9 $143,269 $159,282 11.2 Median Sales Price $120,000 $155,000 29.2 $129,000 $149,000 15.5 Percent of Original Price Received 88.4 96.8 9.5 94.1 94.5 0.5 Days on Market Until Sale 69 39 -43.2 54 52 -3.1 Inventory of Homes for Sale 135 104 -23.0       Months Supply of Inventory 3.2 2.2 -29.2       In Sherman in December 2016 houses sold was higher 20.5% from December 2015, with 47 houses sold this month. Year to date the number of reported p... 02/14/2017

November 2016 Real Estate Market Summary for Sherman, TX (MLS Area 37)   Month Year to Date   2016 2015 % Change 2016 2015 % Change Closed Sales (Reported) 37 36 -2.7 471 506 7.4 Closed Sales (Projected) 37 40 9.3 471 510 8.4 Listings Under Contract 39 45 15.4 488 524 7.4 Average Sales Price $135,092 $168,070 24.4 $143,268 $158,940 10.9 Median Sales Price $113,500 $156,500 37.9 $130,000 $147,900 13.8 Percent of Original Price Received 92.7 94.9 2.3 94.5 94.3 -0.3 Days on Market Until Sale 47 50 7.1 53 54 1.5 Inventory of Homes for Sale 139 121 -12.9       Months Supply of Inventory 3.3 2.7 -18.5       The number of recorded homes sold in November 2016 was down 2.7% from last year, with 36 recorded homes sold this month. In Sherman year to date property sales showed a gain of 7.4% from ... 01/22/2017

Houses sold so far this year increased 11% relative to the same period last year, with 510 homes sold. There were 39 homes sold in Sherman this December, a 0% growth from the previous month. Cumulatively this year, new listings have reached 644 in all. New listings year-to-date grew 1% compared to the same period last year. New home properties listed this December in Sherman gained 41%, with 41 houses listed this month. In December of this year, there were 29 properties currently listed in Sherman, a 12% upturn from last month. Year-to-date, listings under contract are at 519 overall, which is a 12% growth from last year. The average sales price was about $143,283 this December, which is a 9% growth from a month ago. Cumulatively this year, the average selling price for homes in Sherman... 02/23/2016

Year-to-date there have been 419 homes sold, which is a 12% upturn relative to the same period last year. This month, Sherman homes sold rose 42%, with 26 properties sold. Cumulatively this year there, have been 602 new homes listed in all, which is a 1% rise relative to the same period last year. There were 28 new housing properties listed in November 2015, a 30% fall from a month ago. Year-to-date, current listings under contract have reached 491 total, which is a 12% increase relative to the same period last year. This month, there were 40 properties currently listed in Sherman, a 11% growth from a month ago. This month, the average home sales price for properties in Sherman was approximately $135,092, which is a 2% gain from the previous month. So far this year, the average selling ... 01/19/2016

There are many benefits to a pre-approval and not a pre-qualification for Sherman TX Home Loans.   Many consumers are not informed on the proper way for BUYING A HOME. Of course this is a big question that can stressful or enjoyable, it just depends on the steps you take in the home buying process for Sherman TX Home Loans and the surrounding areas. You must take the steps necessary to educate yourself on your buying power, take some time to think about your lifestyle choices, and the initial investment. Each of these will be discussed in this article.  Education The steps necessary to purchasing a home in Sherman, Texas starts with getting pre-approved for your HOME LOAN. Notice we did not say get prequalified- in today’s world a prequalification is not meaningful. You should choose a ... 12/23/2015

Another Sherman Home is Closing in our office this week! This Stunning 2.43 Acre Property Is In The Desirable Carriage House Estates, A West Sherman Neighborhood. Spacious Split Bedrooms, With 3 - Full Baths, Open Floorplan With Breakfast Nook, Formal Dining & Secondary Living Area. Outside You Will Find Lush Landscaping With Mature Trees & Your Very Own Lighted Tennis Court! Very Well-Maintained Home That Is Move-In Ready.We are excited to have found new homeowners for this beautiful house!935 Carriage Estates, Sherman, TX 12/16/2015

Pet's Place Lodge Sherman Texas Needs some help.  Are you the person that can reach out to help these beautiful animals. You can make the difference in the life of these sweet adorable dogs. Please read the story above that will give you the needs that need to be addressed. The contact info is in the story above as well. Thank you for your help and consideration in reaching out to Pet's Place Lodge.  Pet's Place Lodge Sherman Texas Needs some help    Thank you for your help    Pet's Place Lodge Sherman Texas Needs some help    02/25/2015

The benefits of a pre-approval and not a pre-qualification for Sherman TX Home Loans.       A lot of consumers are not educated enough on how they should go about buying a home.  Of course this is a big question that can stressful or enjoyable, it just depends on the steps you take in the home buying process for Sherman TX Home Loans and the surrounding areas. You must take the steps necessary to educate yourself on your buying power, take some time to think about your lifestyle choices, and the initial investment. We will discuss each of these in this article.     Education     The steps necessary to purchasing a home in Sherman, Texas starts with getting pre-approved for your home loan. Please note that we did not say to get pre-qualified, in today's mortgage world a pre-qualification... 02/16/2015