Download - Granbury Homes August 2012
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A Publication of the Granbury Association of REALTORS AUGUST 20
GranburyHomesGuide.com
C O M P L I M E N T A R Y
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www.LakeGranburyRealEstate.com
mpressive home, walk-out water, well de-gned floor plan, big trees, built-ins thru out.
Offered at $649,000
Beautiful home comes fully furnished, openfloor plan, great backyard, nice boat dock.
Offered at $439,000
Riverfront home in Pecan, new retainingwall, lots of French doors, bright & open.
Offered at $252,500
New 4/2/2 construction, great locaopen concept, lovely finishes thru-ou
Offered at $239,000
Excellent 2/2 condo near the golf course ingated community, open concept, lots of space.
Offered at $89,900
ustom Victorian manor on 10+acres, wraparound porches, built-ins, 2400 sqft barn.
Offered at $549,000
abulous waterfront home, chefs kitchen,arge living, boat dock + 880 sqft man cave.
Offered at $499,000
Great weekend getaway or full-time place!3/2/2, excellent potential, boat dock.
Offered at $199,900
ustom built 3/3/3, large cove just off main-ody, open & spacious floor plan, boat dock.
Offered at $425,000
Amazing lake view! Huge windows, lolight, open concept, vaulted/beamed cei
Offered at $479,500
Fabulous country setting on 3 acres, sparklingpool, endless entertainment options.
Offered at $359,000
Waterfront home, high ceilings, spaciousoor plan, lots of windows, big deck & dock.
Offered at $349,900
Excellent home in Pecan Plantation, opencept, gourmet kitchen, nice landscapin
Offered at $299,000
Waterfront getaway! Mainbody waterhome has been updated, incredible lake
Offered at $179,000
R E A L E S T A T E
. . . and The Authority on Real Est
m Kipowner/broKer
The Waterfront Experts
817.219.04
Big comfortable home, updated nicely, beceilings, game room & sunroom+doc
Offered at $299,900
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204-PECAN PLANTATION -2+ ACRES! Bring your horseor just enjoy the privacy of thisequestrian lot. Custom home,
just under 3000 sq.ft., 3 bd.,3 bath, study, plus exerciseroom & 3 full car garage.Large covered patio, welllandscaped yard, beautifultrees. Quality through-out!$349,900 MLS# 11796390
270-GOLF COURSE DREAMHOME, DCBE! Custom built2006 by Stephen Miller. Greatoor plan, fantastic views.High energy efciency, granitethru-out, very open con-cept with large kitchen, andbeautiful master suite. Largecovered patio, very privatelocation. $378,000MLS# 11726285
289-NUT CRACKER GOLFCOURSE, in Pecan Planta-tion! Custom 4 bedroom, 3bath, full 3 car garage, greatkitchen w/granite, large openliving area, and game room.Fantastic golf course view,well landscaped, maturetrees. $319,000MLS# 11728932
202-DECORDOVA RANCH!Builders personal home withall the extras. Beautifullydecorated, stained concreteoors, stone replace, fan-tastic oor plan, 2 full & 2 halfbaths, 3 spacious bedrooms& study. 3 car garage, welllandscaped yard, very private.High energy efciency.$374,500 MLS# 11753261
607-NEW WATERFRONTLISTING! Great location justoff the main lake, excellentwater frontage, huge dockwith sundeck & jet ski storage.Spacious 3/2 manufacturedhome, 2 living areas, immacu-late condition, most furnitureincluded. East side of lake.$139,500 MLS# 11535777
807-MOUNTAIN LAKES!Peaceful setting on 2 acres,nice trees, large deck, aboveground pool & workshop.Spacious 3/2/2, large openliving room, 2nd living areacould be formal dining.Great kitchen with granite,screened in porch. Access
to private lakes, pool, clubhouse. $214,900MLS# 11794234
234-STUNNING CUSTOM HOME! 4 bedrooms, 2.5 baOpen concept. Granite counLarge fenced yard with hugoak tree. Rock patio. HOT TBuilt-in barbeque. RV/boat ing. BEAUTIFUL! Only $249MLS# 11742505
240-LOVELY 3BD/2BA ON FT.WORTH SIDE IN GREAT NEIGH-BORHOOD. Open living/dining withplank oors. Great eat in kitchenlooking into living area. Corner re-place. Texas master bath. Fencedyard. NICE! $129,500MLS# 11788896
257-WELCOME TO PARDISE!!! Enjoy this fabulopool/spa with rock accengorgeous landscaping. Lnew 3bd/2ba with open ccept, lots of tile & wood Upscale waterfront neighborhood. OVER THE TO$259,900 MLS# 118007
265-OUTSTANDING 3/2/2 onalmost 1/2 acre. Gorgeoussetting. Very open with manywindows. Split bedrooms.Large kitchen. Formal din-ing. Oversized garage w/work area and wide drivewayw/20 extension, room to parkRV/boat. LAKE ACCESS!$195,000 MLS# 11773697
421-2700+ SQFT WAFRONT HOME ON CO3/3, could be 4! Open
cept, study/ofce. Windsunroom, 16X16 Tredeck, 28X12 shop/stoHuge double boat dockski lifts. MANY UPDATREES! NICE!! $33MLS# 11780924
426-DAZZLING SKILAKEHOME!! Almost new custombrick/rock 3bd/3ba/2 livingareas, gourmet kitchen, study.$111.00 monthly utilities!Seawall, dock/lift, adjoininglot available, fabulous views,upscale community! OverTHE TOP!!! $345,900MLS# 11798135
REALTOR Associate
Cell: 817-219-57Broker Associate
Cell: 817-929-3905RE/MAX Lake Granbury
817-579-15044810 Hwy. 377 E. Granbury, Texas 76049
Each Ofce is Independently Owned and Operated
LINDA
BLANKENSHIP26 Years Experience
Multi Million Dollar Producer
Steve Cook32 Years Experience
Multi Million Dollar Producer
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ASSOCIATION EXECUTIVE :
ADVERTISING & STORY SUBMISSIONEmily Burks
EXECUTIVE ASSISTANT :Pat Angeley
All real estate advertised in this publication is
subject to the Federal Fair Housing Act, which
makes it illegal to advertise any preference,
limitation, or discrimination based on race,
color, religion, sex, familial status, handicap,
or national origin, or an intention to make any
such preference, limitation, or discrimination.
This publication will not knowingly accept
any listing or advertising for rental or sell of
real estate which is in violation of the law. Our
readers are hereby informed that all dwellings
advertised in this publication are available on
an equal opportunity basis.
The Homes Guide is published by GAR, 2504
James RD, Granbury, Texas 76049 * (817) 326-
2530. All information in this publication is be-
lieved to be accurate, but is not guaranteed.
All information should be independently veri-ed by the customer. GAR assumes no liability
for any advertisement in this magazine. GAR
reserves the right to refuse advertising space
to anyone for any reason. Any reproduction, in
whole or in part, or any commercial attempt to
cover or alter the appearance of this publica-
tion without the written permission of GAR is
expressly forbidden. All rights reserved.
BOARD OF DIRECTORS:
PRESIDENT : Kay Bailey
PRESIDENT ELECT : Kimberly Shook
PAST PRESIDENT : Pamela Z. Miller
SECRETARY : Freddie Crawford
TREASURER : Debbie Van Dyke
DIRECTOR : Denise Ray
DIRECTOR : Laura Life
DIRECTOR : Jerry Williamson
DIRECTOR : Joy Paris
DIRECTOR : Joe Rhodes
TAR DIRECTOR : Vickie Davies
2012 COMMITTEE CHAIRS
BYLAWS : Pamela Z. Mille
FINANCE : Debbie Van Dyke
GOVERNMENTAL AFFAIRS : Steve Foste
MEMBERSHIP : Scott Bradley
MULTIPLE LISTING SERVICE : Debbie Van Dyke
PROFESSIONAL DEVELOPMENT : Felicia Peter
PROFESSIONAL STANDARDS : Judy Hallowel
PUBLIC RELATIONS : Charlie Parrish/ Andrea Smith
SPECIAL EVENTS : Carol Seitz
TREPAC : Leigh York
2504 James Road, Granbury, TX 76049 PHONE: 817-326-2530 FACSIMILE: 817-326-2545 WWW.GRANBURYREALTORS.COM
WWW.GRANBURYREALTORS.COM
A Publication of the Granbury Association of REALTORS AUGUST 2012
GranburyHomesGuide.com
C O M P L I M E N T A R Y
Negotiate Your Best Home Buy
Page 18
4 Tips to Determine How Much
Mortgage You Can Afford
Page 6
Keep Your Home Purchase on Track
Page 28
Find the Home Loa
Fits Your
Pa
7 Steps to a Stress
C
Pa
5 Tips to Save Money on Home Ow
Insu
Pa
Scan the QR code to visit our website.
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Panoramic Golf Course View Home
in Pecan Plantation
Panoramic Views
Affordable LuxuryAffordable LuxuryAffordable Luxury
The Peninsula on Lake GranburyThe Peninsula on Lake GranburyThe Peninsula on Lake Granbury
No Yard Maintenance
Spectacular Garden HomeSpectacular Garden HomeSpectacular Garden Home
Fountain VillageFountain VillageFountain Village
Deeded Boat Slip
ExecutiveExecutiveExecutive Style HomeStyle HomeStyle Home
Mallard Pointe on Lake GranburyMallard Pointe on Lake GranburyMallard Pointe on Lake Granbury
Boat Dock With Lift
Affordable Lake LivingAffordable Lake LivingAffordable Lake Living
Port RidgleaPort RidgleaPort Ridglea
Zoned For Horses
Beautifully LandscapedBeautifully LandscapedBeautifully Landscaped
The Peninsula on Lake GranburyThe Peninsula on Lake GranburyThe Peninsula on Lake Granbury
Panoramic Golf Course View HomePanoramic Golf Course View HomePanoramic Golf Course View Home
Pecan PlantationPecan PlantationPecan Plantation
3-Tiered Deck with Spa
- 2454 square Feet - Golf Course Lot
- 4 Bedrooms - Country Club
- 2.5 Baths
- 2261 sq. ft. - 2 Acre Lot
- 4 bedrooms - 2 Dining Areas
-2.5 Baths $169,000$239,900
- 1568 SQFT - XL Storage Building
- 3 Bedrooms - Covered RV Parking
- 2 Baths$139,900
- 3217 sq. ft. - 3 Car Garage
- 4 bedrooms -1.4 Acre Lot
- 3 Baths$375,000
- 2193 square Feet - 2.72 Acres
- 3 Bedrooms - No City Taxes
- 2.1Baths $229,000
- 2713 Square Feet - Split Bedrooms
- 3 Bedrooms - Gated Community
- 3 Full Baths $269,000
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4 Tips to Determine How Much
Mortgage You Can AffordBy: G. M. FiliskoPublished: March 11, 2010
By knowing how much mortgage you can handle, you can ensurehat home ownership will t in your budget.
Homeownership should make you feel safe and secure, and thatncludes nancially. Be sure you can afford your home by calculat-ng how much of a mortgage you can safely t into your budget.
nstead of just taking out the biggest mortgage a lender qualiesyou to borrow, consider how much you want to pay each month forhousing based on your nancial and personal goals.
Think ahead to major life events and consider how those mightnuence your budget. Do you want
o return to school for an advanceddegree? Will a new child add day careo your monthly expenses? Does a rela-ive plan to eventually live with you and
contribute to the mortgage?
Still not sure how much you can afford?You can use the same formulas thatmost lenders use, or try another ofhese traditional methods for estimatinghe amount of mortgage you can afford.
1. The general rule of mortgage af-
fordabilityAs a rule of thumb, you can typi-cally afford a home priced two to threeimes your gross income. If you earn
$100,000, you can typically afford ahome between $200,000 and $300,000.
To understand how that rule applies to your particular nancialsituation, prepare a family budget and list all the costs of hom-eownership, like property taxes, insurance, maintenance, utilities,and community association fees, if applicable, as well as costsspecic to your family, such as day care costs.
2. Factor in your downpayment
How much money do you have for a downpayment? The higheryour downpayment, the lower your monthly payments will be. Ifyou put down at least 20% of the homes cost, you may not haveo get private mortgage insurance, which costs hundreds each
month. That leaves more money for your mortgage payment.The lower your downpayment, the higher the loan amount youllneed to qualify for and the higher your monthly mortgage pay-ment.
3. Consider your overall debt
Lenders generally follow the 28/41 rule. Your monthly mortgage
payments covering your home loan principal, interestaxes, and insurance shouldnt total more than 28% oyour gross annual income. Your overall monthly paym
for your mortgage plus all your other bills, like car loautilities, and credit cards, shouldnt exceed 41% of yogross annual income.
Heres how that works. If your gross annual income i$100,000, multiply by 28% and then divide by 12 moto arrive at a monthly mortgage payment of $2,333 oNext, check the total of all your monthly bills includinpotential mortgage and make sure they dont top 41%$3,416 in our example.4. Use your rent as a mortgage guide
The tax benets of homeownership generally allow yafford a mortgage payment-i
ing taxes and insurance-of aone-third more than your current payment without changinyour lifestyle. So you can muyour current rent by 1.33 to aat a rough estimate of a mortpayment.
Heres an example. If you culy pay $1,500 per month in reyou should be able to comforafford a $2,000 monthly mortpayment after factoring in the
benets of homeownership.
However, if youre strugglingkeep up with your rent, consiwhat amount would be comfoable and use that for the calc
tion instead.
Also consider whether or not youll itemize your dedutions. If you take the standard deduction, you cant aldeduct mortgage interest payments. Talking to a tax viser, or using a tax software program to do a what ireturn, can help you see your tax situation more clea
G.M. Filisko is an attorney and award-winning writerwhos owned her own home for more than 20 years. quent contributor to many national publications includBankrate.com, REALTOR Magazine, and the Acan Bar Association Journal, she specializes in real ebusiness, personal nance, and legal topics.
Visit houselogic.com for more arcles like this. Reprinted
HouseLogic with permission of the NATIONAL ASSOCIATIO
REALTORS Copyright 2012. All rights reserved.
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UNITED REALTY
www.feliciapeters.com
Felicia Peters,ABR, CRS, GRI, SRES
Managing Broker
Country home on 3.9 ac on the Brazos RLovely rooms 3 levels - tornado room inbasement Media room with giant projescreen Black granite counter tops Stainappliances woodoors. $314,000
Incomparable 4-3.5-3 home on mainbody of Lake Granbury. Very gently used with customdecorated window treatments, crown molding and neutral colors. Granite counters accent the
stylish kitchen. Double boat dock. $699,000
Wonderful home with 4 bedrooms, fodining and open concept oorplan. Rereplaced microwave, range and dishwwith stainless. Delighul tree shaded Pecan Plantaon. $158,500
Best Deal on Hwy 377 for Execuve OceSpaces. Several sizes available. Call today.1st month free rent!!
HUGE
Pric
e
Redu
con
Peca
n
Plan
tao
n
Old World charm in this spacious home withsoaring ceilings with triple crown molding,wonderful great room open to the hugekitchen. The study can be used for a musicroom or sing room. The covered porch inback has an extra replace too! $214,500
Abes
Land
ing
Like new home in Pecan with 3 bedrms, 2.5baths plus a home oce and 3 full car garageon large tree shaded lot $179,500
Peca
n
Plan
tao
n
Great 4 bedroom, 3 bath home on the FWorth side. Neutral tones throughout.Granite counters and stainless appliancin kitchen. Backyard pao covered withpergola. Fourth bedroom would make agreat home oce! Priced to sell quickly$220,000
Timbe
rCov
e
Unbelievably beauful custom home withupscale xtures, appliances crown moldingand design features youve dreamed about.Aenon to detail is evident everywhere.The back pao has a charming pergola.$280,000.
ForL
ease
DeCo
rdov
a
Bend
Over 2 acresss in the the gated subdivof Tres Vistas. And this lot has a wondview to enjoy! $98,000
Beauful Carsman style home by ChrisThomas in the heart of Granbury featuringgranite counters hardwood ooring andcustom cabinetry. Just a short walk tothe City beach and Hewle Park for only$262,500
Large landscaped yard with room for afabulous salt water pool! Upscale customhome in Stoney Creek with desirable Actonschools. $210,000
Tres
Vist
as
OldTo
wne
Ston
ey
Cree
k
Mainbody Waterfront
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914 Thelma. Spectacular New Walk OutWaterfront. Large boat dock. Ft Worth side.2 Living, 3 Bedroom, 3 Baths & OversizeDouble Garage. Outdoor kitchen, hot tub,
gas repit. $559,900
2009 Wigeon Austin Stone Home inMallard Pointe. Updates. New carpet andinterior paint. 4 Bedroom, 2.5 Baths, 3 CarGarage. One Acre Lot. Includes Boat Slip
in Marina. $299,900
10411 Ravenswood Nice home in PecanPlantation. 4-2.5-2 with a golf cart garage.Newer carpet and paint. New roof and
gutters. $174,900
2116 Sierra Vista Neat and Cozy 3/2/2 inSpanish Trail on Cul de Sac with fencedyard and screened porch. Gas Range
and Refrigerator Included. $94,900
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TrusT. jusT as imporTanT as The number
of bedrooms and baThs.
Onl REAlTORS cOplETE OngOng AnATOR EThcS TRA
Every markets differet, a a REAlTOR today.
Houseloi.om/buyadse
When youre buying a home, you want specic things: marble countertops, his and hers sinks, a three-car ga
You also need condence, peace of mind and trust. You want a REALTORsomeone committed to doing busine
according to a strict, professional code. REALTORS
complete real estate business ethics training every four years as of their membership in the National Association of REALTORS.
When youre ready to buy a home, work with a REALTOR, a member of the National Association of REALTO
who can explain options that best t your situation.
2010 National Association of REALTORS.
REALTORS are the best source for real estate information. Working with a REALTOR gives buyers, sel
and investors the advantage they need to succeed in todays market.
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INCREDIBLY BEAUTIFUL TREED DOUBLELOTS WITH WALK OUT WATER JUST OFFMAIN BODY AND POOL! Large family home withfresh paint and carpet inside and out. Large outdoorcovered patios, pool bath, large workshop and RV-boat storage area. Two replaces and huge familyroom with vaulted ceilings. Three hot water heaters,several HVAC units, separate storage area for shingand water equipment and great boat dock. $369,000
SPACIOUS HOME ONE CORNER LOT IN DE-CORDOVA BEND ESTATES. Lovely home withlarge rooms throughout create a warm home as youenter the tiled entry. A extra large eat-in kitchen withworlds of storage and china cabinets features a largeisland and double ovens. Fridge, dining room tableand chairs, washer and dryer included in sale of thehome.A $4000.00 carpet allowance with agreed onPrice $138,900
Fantastic Mainbody lake home. Located in quitecul-de-sac with huge lake view and porches. Almostnew 2 deck boat dock with trec like decking and twoslips. Fireplace for year-round enjoyment, privacy,four bedrooms and screened in porch. This is thelakehouse you always hoped to nd and seldom do.Excellent condition and move in ready $319,000
Ron HamptonVice President, Mortgage
Lending Manager
Apply online at www.mgfnb.com
817-279-6655FAX 817-279-6645 MEMBER
Your Dream... Our GoalThe best mortgage possiblefrom a name you trust!
New Loans Conventional Loans Home Improvement Loans Home Equity Loans Interim financing
FHA/VA/USDA Loans
Lots/Land Commercial Construction Custom Homes Re-Finance
Remodel
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REALTOR Associate
817-219-1969CALL ANYTIME
www.granburycoldwellbanker.com
PATSwisherREALTOR
READY TO MOV E YOUR WE LCOME M AT - C ALL PAT
#31043 EXTRAS! RV Barn, Efficiency Guest Quarters, WorkShop, Extra Detached Garage. On 1.9 Acres with Trees. Brick
3/2/2 Home with Fireplace, Formal Dining, Granite Counter-tops & New Appliances. Chaparral Estates, near Hunter Park onthe Lake. $269,000 FIRM
#77183 Shade & Privacy Provided By The Many Tto Enjoy the Enormous Deck Overlooking the Brazos ROne Owner Custom Home 2922 sq.ft., built by Brian fin. Beautiful Woodwork Throughout. Huge Kitchen h
Abundance of Cabinets & Counterspace. 4 Bedrooms, 3Baths. Sunroom with heat and A/C. $279,000
#74093 Pecan Tree Shaded 1.639 ac. corner lot. OOwner Custom 2971 sq.ft. Formal Home. Open Living
Dining with Fireplace. Large Den/Study. Big master su+ 2 guest bedrooms. 2 Utility areas. Covered Patio, Beatiful Landscaping. Circle Drive at front. 2-Car GarageStorage/Golf Cart Bldg. $379,000
THERE
TREAT
#21203 Lakeside Two-in-One. 3653 sq.ft. includesattached guest suite. Open or lock apart. Total 5 bedrooms, 3
baths, 2 living, 2 kitchens, 2 utility areas, sunroom. Waterfronthas boat ramp & boat slip. $249,000
PRICE
REDU
CED
LAKE
FRONT
1.69
ACRES
#62083 RESORT LIVICome for the Weekend orForever. Lake access. Walall Downtown Activities a
City Beach. Clean 1368 sqbedroom, 2 bath. Nice covparking & covered patio. FYard. Storage Bldg. New RNOW $104,900
Adjoining Properties -Currently Rentals
#39103 2006 SW Home 3/1on large lot. $36,900#13783 2006 SW Home 3/1on 2 lots. $36,900These can be bought as apackage deal. Also with#60153.
#60153 Private set-ting with large front lawnand Pecan Trees. SpaciousPalm Harbor DW with 3/2Screened Porch & CoveredDeck. 30x30 Shop Building
w/elec. $112,900
RENT
ALS
#57303 10 Acres withTrees, South of GranbuSubdivision.Well, septic, and electricproperty. Has 26 x 100 Carport/Storage Bldg. +22 Workshop. Older fahouse and mobile on pro
need TLC. $139,000
RIVERFRO
NT
10ACRES
BRAZOSHA
RBOR
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405 E. Hwy 377, Suite B
Granbury, TX 76049
Albert La
Owner Bro817-279-2676
817-573-7564
Visit us on the web - www.albertland.com email: [email protected]
# 210 A WALL OF WINDOWS VIEWS LAKE GRANBURY
beauful 4 bedroom, 3 bath, 2 story home in Gated Golf
Course Community: home oers 2 master suites; recently
completed remodel shows o an elegant home loaded
with amenies : Granite kitchen tops, stainless whirl-
pool gold series appliance pkg., lots of ceramic ooring,
custom lighng & faucets, zoned A/C Heat system and
more; a 2 year old covered dock oers boat li and double
jet ski li. $355,000
25 SECLUDED 3-2-2 BRICK COUNTRY HOME on 17.3
RES; large pecan and oak trees; beauful country style
me; lots of covered porch with view of pond & creek;
cious island kitchen; landscaped yard area w/sprin-
; coastal pasture; nice barn w/pens & hay storage.
ing $269,000
#105 CUSTOM BUILT 3 BR 2.5 BATH 2 CAR GA
HOME ON GREAT WOODED LOT; Split bedroom, o
cept oor plan features a spacious cook top island
large master suite includes marbled jeed tub, se
marble shower, marble vanies, and walk-in close
guest bedrooms separated by jack & jill bath arra
shady privacy fenced back yard; oversized garage
area: Asking $170,000 looking for an oer!
BUILDING LOTS AVAILABLE
# 145 BEAUTIFUL HILLTOP 9.9 ACRE WOOD TRACT with
this spacious 3 BR, 3 BATH, 2 CCP manufactured home
oering a shop building, 34 X 40 livestock barn, and a very
secluded seng; open concept split bedroom oor plan
with 2 living areas and a large island kitchen; lots of large
oak trees provide ample shade and covered front and rear
decking to view wildlife and scenery; enjoy the outdoors.
ASKING $ 150,000
# 705 Secluded 22.7 acre tract; fenced; 2 water w
property one with electric and pump; heavily wo
good views; deer blind remains: Asking $95,000 P
owner terms! Make Oer !
5 BEAUTIFUL 8.5 ACRES IN PREMIER NEIGHBORHOOD
LANTANA FEATURING ESTATE HOMES & PROPERTY.
fectly located just minutes from Granbury or I-20 to
where. Breathtaking views, mature trees, several great
ding sites, and horses welcome. $75,900
w w . L a k e G r a n b u r y R e a l E s t a t e . c o
R E A L E S T A T E
. . . and THE Authority on Real Estate.The Waterfront Experts
817.219.0456
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Find the Home Loan tha
Fits Your Need
Article From BuyAndSell.HouseLogic.
com
By: G. M. FiliskoPublished: February 10, 2010
Understand which mortgage loan is best
for you so your budget is not stretched
too thin.
Its easier to settle happily into your new
home if youre condent you can afford it.
That requires that you understand your
mortgage nancing options and choose
the loan that best suits your income and
ability to tolerate risk.
The basics of mortgage nanc-ingThe most important features of your mortgage loan are its
term and interest rate. Mortgages typically come in 15-, 20-,
30- or 40-year lengths. The longer the term, the lower your
monthly payment. However, the tradeoff for a lower pay-
ment is that the longer the life of your
loan, the more interest youll pay.
Mortgage interest rates generally come
in two avors: xed and adjustable. Axed rate allows you to lock in your in-
terest rate for the entire mortgage term.
Thats attractive if youre risk-averse, on
a xed income, or when interest rates
are low.
The risks and rewards of ARMsAn adjustable-rate mortgage does just
what its name implies: Its interest rate
adjusts at a future date listed in the loan
documents. It moves up and down according to a particular
nancial market index, such as Treasury bills. A 3/1 ARM
will have the same interest rate for three years and then
adjust every year after that; likewise a 5/1 ARM remains
unchanged until the ve-year mark. Typically, ARMs include
a cap on how much the interest rate can increase, such as
3% at each adjustment, or 5% over the life of the loan.
Why agree to such uncertainty? ARMs can be a good
choice if you expect your income to grow signicantly in the
coming years. The interest rate on some-but not all-ARMs
can even drop if the benchmark to which theyre tied also
dips. ARMs also often offer a lower interest rate than xed-
rate mortgages during the rst few years of the mortgage,
which means big savings for you-even if theres only a half-
point difference.
But if rates go up, your ARM
payment will jump dramatically,
so before you choose an ARM,
answer these questions:
How much can my month-
ly payments increase at each
adjustment?
How soon and how often
can increases occur?
Can I afford the maximum
increase permitted?
Do I expect my income to increase or decrease?
Am I paying down my loan balance each month, or
is it staying the same or even increasing?
Do I plan to own the home for longer than the initia
low-interest-rate period, or do I plan to sell before the rate
adjusts?
Continued on p. 14
Granbury Association of REALTORS Pa
Before you decideon any mortgage, remem-ber that slight variations ininterest rates, loan amounts,and terms can signicantlyaffect your monthly payment.
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Will I have to pay a penalty if I renance into a
wer-rate mortgage or sell my house?
Whats my goal in buying this property? Am I con-
ering a riskier mortgage to buy a more expensive house
an I can realistically afford?
onsider a government-backed mortgage loanyouve saved less than the ideal downpayment of 20%,
your credit score isnt high enough for you to qualify for a
xed-rate or
ARM with a
convention-
al lender,
consider
a gov-
ernment-backed
loan from
the Federal
Housing Ad-
ministration
(http://www.
d.gov/buying/loans.cfm) or Department of Veterans Affairs
tp://www.benets.va.gov/homeloans/vap26-91-1.asp).
A offers adjustable and xed-rate loans at reduced inter-
rates and with as little as 3.5% down and VA offers no-
oney-down loans. FHA and VA also let you use cash giftsm family members.
fore you decide on any mortgage, remember that slight
riations in interest rates, loan amounts, and terms can
nicantly affect your monthly payment. To determine how
uch your monthly payment will be with various terms and
n amounts, try REALTOR.coms online mortgage calcula-
s (http://www.realtor.com/home-nance/nancial-calcula-
s/mortgage-payment-calculator.aspx).
M. Filisko is an attorney and award-winning writer whos
ted for both xed and adjustable-rate mortgages. Aquent contributor to many national publications including
nkrate.com, REALTOR Magazine, and the American
r Association Journal, she specializes in real estate, busi-
ss, personal nance, and legal topics.
sit houselogic.com for more articles like this. Reprinted
m HouseLogic with permission of the NATIONAL AS-
OCIATION OF REALTORS Copyright 2012. All rights
served.
Granbury Association of REALTORS Page 14
Lee Overstreet, GRI
817-219-5246
REALTOR115 W. Pearl St. Granbury, TX 76048
Very nice brick hothe #12 green in Plantation. Featureclude 2 living/2 dinreplaces, split bearrangement, walk-iets in all bedroomsoven & microwave, upgrade, in-ground
ming pool, oversizrage w/golf cart stcircle drive & low tenance yard. $15
PECAN Extensivemodeling and upthroughout. Scenicof the #8 fairway, and green. Threeroom, 2 bath, studcar garage. Graniteter tops in kitchen, and hardwood ocircle drive, woodeREDUCED $21
Great home for the m3-2-2 with brick andexterior. Split bearrangement, 10 ceilings in living, kand dining areaslots, 2 storage buiLocated in a gatedmunity with lake aREDUCED $13
Pecan Plantation dated 3/2/2 brick hoshady orchard lot.tures include two areas , granite cotops, hardwood oceramic tile & carpebedroom arrangewalk-in closets. Fyard, separate golshop building. for move-in. $15
NUTCRACKER Egolf course home quiet cul-de-sac. on the large coveretio overlooking the
cracker #2 fairway aboxes. 4 bedroom, 3featuring 2 living/2 areas, split bedroorangement, circle dcar garage, fencedsprinkler system, &scaping. $269,000
GOLF
COURSE
PECAN
PLA
NTATION
ORCHARD
LOT
GOLF
COURSE
AFF
ORDABLE
DECORDOVA - C3/2.5/2+ brick homupgrades and extrasliving and 2 dinin
eas. Granite countegas replace, cetile, carpeting and ooring. Separate walk-in closets, built-ins. Private, fyard with covered pterracing, & landscShows very well $26
DEC
ORDOVA
Find the Home Loan that Fits Your Needs
Continued from p. 13
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Outstanding Agents Outstanding Res
OPEN
NDAYS!remax-lakegranbury-tx.com
Visit Our Website to View ALL Listing
Jeff
Alexander817-219-2939
Linda
Blankenship817-219-5774
Steve
Conley254-205-2733
Steve
Cook817-929-3905
C817-
16-SCENIC HILLTOP SETTING ON 5 ACRES IN MOUNTAIN LAKES.nergy efcient 2392 sq.t. home. Open concept. 2 living areas.8X15 screened porch. Huge 70X30 metal shop with ull livinguarters. $335,000 MLS# 11777074
411-CHARM AND CHARACTER ON MAINBODY IN DCBE. Easy accesswaterront aces southeast or spectacular sunrises and aternoonshade. Custom 3/2/2, 3400+ sq. t. Huge living/dining with wallo windows. Massive master suite with connecting study. $625,000MLS# 11718889
251-NEED 4 BEDROOMS IN ACTON SCHOOL DISTRICT?well maintained 4/2/2, plus 27x24 air conditioned worHigh ceilings throughout. Split master suite. Huge encewith garden spot. Trex-deck patio, gazebo & repit. $1MLS# 11745347
01-HUGELY LOVED, LIGHTLY LIVED IN, this immaculate remodelill take your breath away! 3 bedrooms, 2 baths - open withood oors, granite in all baths & huge granite island. Panoramicater views (has unimproved main body waterront). $186,000
MLS# 11726760
210-NICE 3 BEDROOM 2 BATH home in Heritage Heights. Great starterhome with replace, large lot, new paint and nice landscaping. Closeto town and shopping. $104,500 MLS# 11760766
221-ELEGANT GOLF COURSE HOME LOCATED ON 17TH TELarge living area and glassed in sunroom. Shutters throughoucourse views! Built-in sound system. $169,900 MLS# 1165349
44-GREAT LOCATION - FT. WORTH SIDE - Fantastic like-new customome - Open concept with tall ceilings - spacious great room - cozyreplace - Kitchen has granite countertops and abundant customabinets - and youll enjoy south breezes on the large back porch.174,900 MLS# 11774601
828-GREAT HOOD COUNTY RANCH LAND 18 acres o pasture (2)stock tanks. 175X40 barn with 12 stalls, 10 paddocks each withpiped in water. 4000 t o piped encing. Huge doublewide with largecovered porches just waiting or you. Good sandy loam or yourprized horses. $310,000 MLS# 11677293
26-NEARLY NEW CUSTOM HOME in gated-gol course communityInviting Very Open 3 BR + Study, 2 BA, 3 Car Garage -Very Energyfcient - Many Windows - 10 Ceilings - Outstanding Spacious
Master Suite. $209,500 MLS# 11797024
224-BEAUTIFUL GOLF COURSE HOME, 3 bedroom, 2 bath home.Open oor plan close to clubhouses. Elegant granite counter tops,split bedrooms, walk-in closets, gas logs, sprinkler system. Plenty otrees. What a view! $164,000 MLS# 11798835
408-210 MAINBODY WATERFRONT! 3/2 ully urnished! Tupdated w/granite travertine tile & more. Sprawling open dining. 2 car + RV/shop. Gazebo w/hot tub, covered dock w/AWESOME VIEWS! FABULOUS WATER! $369,900 MLS# 1173116
04-IMMACULATE WATERFRONT on the Ft. Worth side. 3 bedroom,bath, would make a great weekender, with split bedrooms, boat
ock, storage building. $119,000 MLS# 11646589
261-UPSCALE DUPLEX - WALKING DISTANCE TO HISTORIC SQUARE.Floorplan, both sides identical. 3178 sq.t. total. Immaculate, many
upgrades. New appliances, Energy Star Low E windows, HVAC &water heaters, carpet & paint. Let one side oset cost o living in theother. $185,000 MLS# 11762059
804-VISTA CANYON! A GATED COMMUNITY, horse ridingscenic views, large mature live oak trees, very private. 2010 c
built 4 bedroom, stained concrete oors, huge open livinkitchen area. 10+ acres. $339,900 MLS# 11668953
245-DECORDOVA BEND ESTATES. Charming contemporaryhome on an extra large treed & enced lot with an inground pool. Light and open oorplan, large den with WBFP & sceilings. Formal & inormal dining, spacious master suite on goor. $149,000 MLS# 11532002
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Outstanding Agents Outstanding Results
SU
www.remax-lakegranbury-tx.com
Rod
Davis817-578-0660
Lynn
Dirks817-578-4841
Evelyn
Joseph817-243-9089
Each ofce is independently
Owned and Operated
Gloria MackCRS, GRI, ABR
817-279-3380
Sally
Moore817-219-0896
31-OH WOW! This is a real jewel. Totally remodeled. Pristine, clean& ready for you. This 3/2 home has a 4 stall covered carport. On 3 lotswith large storage building. $124,900 MLS# 11746352
417-QUALITY CUSTOM HOME ON BEAUTIFUL RIVER LOT! 3/2/2split bedroom. Formal dining, gorgeous tile kitchen! Full RV setup.Screened porch overlooking the Brazos! Too lovely to describe!!ONLY $205,000 MLS# 11778934
258-HARBOR LAKES! Custom built, 3bd/3ba/3 car garageopen living area, beautiful master suite with double rSpacious kitchen, granite counter tops, island and breakfLarge outdoor living space overlooking pool, and fantasticwater and golf course. $349,900 MLS# 11756584
14-THOUGHTFUL DESIGN FOR LIVING ON THE BEAUTIFUL BRAZOSIVER!!! Sprawling 3 bedroom 3 bath, 3 living areas, hot tub/eautiful gunite pool. 2 acres + tons of trees. Separate quarters foruests & shop. Organic/eco friendly landscaping, Country Club.RULY UNIQUE! $309,000 MLS# 11798984
246-BACK YARD OVERLOOKS HARBOR LAKES GOLF COURSE.Beautiful newer home has a very open oor plan (over 2000 sq.ft.),spacious living area, 2 dining areas and bonus room. Master hasen-suite bath with 3 walk-in closets. New roof and hot water heaterinstalled in past year. $178,900 MLS# 11776102
602-4 BEDROOM WATERFRONT!! Beautiful views on OPEN 4/2/2 carport, manufactured home. 2 living areas + bonus rmaster. Huge covered deck, 16X14 storage-shop, rock undercovered shing dock, well + much more. LIKE NEW! - FHA available - $189,900 MLS# 11766859
22-SPACIOUS 3 BEDROOM, 2 BATH located in quiet neighborhood,lose to town & shopping. Large backyard for the kids. Greatoorplan. $153,000 MLS# 11767005
235-GREAT FAMILY HOME IN DCBE. Tremendous buy! Enjoy allthe amenities, free 27 holes of golf; tennis, swimming, clubhouse,marina, parks & more. Gated & guarded entrance with 24hour patrolled security. Large lot. Great workshop. $114,900MLS# 11786110
23-BRING YOUR HORSES! Just under 5 acres, great location closeo town. 3 bedroom, 2 bath brick home, with 2 living areas, recentlypdated, rustic decor perfect for country living. 36x36 metal workhop or large garage, extra covered area, 2 stall horse barn. $279,900
MLS# 11805088
248-PERFECT-SIZED RETIREMENT HOME ON GOLF COURSE with$25K workshop. On quiet cul-de-sac , this home features open oorplan with island kitchen. Split bedrooms. Wide handicap doorways,plantations, fenced yard, golf cart ga rage. $259,000 MLS# 11794118
229-ATTRACTIVE PRICE for those looking at making cochanges. Open kitchen/family room with double doors todeck . Corner lot, circular drive, storage building, huge pecaSeller will pay 1/2 of HOA initiation fee. Seller will considernancing with a cceptable oer. $129,900 MLS# 11653672
13-PRIME WATERFRONT! Fantastic view and deep water, very
rivate location, minutes from downtown Granbury. Spacious 3/2/2,ecently updated, kitchen and baths have granite, FP in master suite,uge walk-in closet. Oversized boat dock, large deck to enjoy theew. Beautifully landscaped. $399,500 MLS# 11769946
264-GREAT WEEKENDER! Small A-frame, 1 bedroom, 1 bath.Newer appliances. Across the street from boat ramp. $29,900MLS# 11718090
402-NEW WATERFRONT LISTING! Great location east Granbury. Good water, stone landing, double boat dock
landscaped lots, with trees. Immaculate 3/2/2 brick, extra gawork shop, new AC and appliances. $229,500 MLS# 1168456
266-PECAN PLANTATION CONDOMINIUM! Relax and enmany amenities of the country club, and let someone else mmaintain your home while you play. Two bedroom, 2 bath, parking, golf cart storage, large patio. $79,500 MLS# 115603
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Negotiate Your Best Home Buy
Arcle From BuyAndSell.HouseLogic.com
By: G. M. Filisko
Published: June 04, 2010
Keep your emoons in check and your eyes on thegoal, and youll pay less when purchasing a home.Buying a home can be emoonal, but negoang theprice shouldnt be. The key to saving money whenpurchasing a home is scking to a plan during theturbulence of high-stakes negoaons. A real estateagent who represents you can guide you and oeryou advice, but you are the one who must make the
nal decision during each round of oers and coun-ter oers.
Here are six ps for negoang the best price on ahome.
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MANDATORY ETHICS TRAINING.NOT MANY PROFESSIONALS CAN CLTHAT ON THEIR RESUM.
Every markets different, call a REALTOR today.
HouseLogic.com/buyandsell
When REALTORS complete mandatory Code of Ethics training,
they not only set themselves apart from other professionals in the r
estate industry, they set themselves apart from many industries. W
it comes to the business of buying or selling a home, its nice to kn
that theres someone you can count on to be honest and maintain
standards of practice. Visit realtor.org/codeofethics to learn exact
what the Code of Ethics is and how it benets you as a customer.
REALTORS are the best source for real estate information. Wo
with a REALTOR gives buyers, sellers and investors the advantag
need to succeed in todays market.
et prequalied for a mortgage
ng prequalied for a mortgage proves to sellers that youre serious
ut buying and capable of aording their home. That will push you to
head of the pack when sellers choose among oers; theyll go with
ers who are a sure nancial bet, not those whose nancing could
.
sk quesons
your agent for informaon to help you understand the sellers nan-
posion and movaon. Are they facing foreclosure or a short sale?
e they already purchased a home or relocated, which may makem eager to accept a lower price to avoid paying two mortgages? Has
home been on the market for a long me, or was it just listed? Have
re been other oers? If so, why did they fall through? The more signs
t sellers are eager to sell, the lower your oer can reasonably go.
Work back from a nal price to determine your inial oer
w in advance the most youre willing to pay, and with your agent
k back from that number to determine your inial oer, which can
the tone for the enre negoaon. A too-low bid may oend sellers
oonally invested in the sales price; a too-high bid may lead you to
nd more than necessary to close the sale.
rk with your agent to evaluate the sellers movaon and comparable
me sales to arrive at an inial oer that engages the sellers yet keeps
ney in your wallet.
void conngencies
ers favor oers that leave lile to chance. Keep your bid free of com-
plicated conngencies, such as making the purchase condiona
the sale of your current home. Do keep conngencies for mortg
approval, home inspecon, and environmental checks typical in
area, like radon.
5. Remain unemoonal
Buying a home is a business transacon, and treang it that wa
helps you save money. Consider any movement by the sellers, h
ever slight, a sign of interest, and keep negoang.
Each me you make a concession, ask for one in return. If the sask you to boost your price, ask them to contribute to closing c
or pay for a home warranty. If sellers wont budge, make it clea
youre willing to walk away; they may get nervous and accept y
oer.
6. Dont let compeon change your plan
Great homes and those compevely priced can draw mulple
fers in any market. Dont let compeon propel you to go beyo
your predetermined price or agree to concessions-such as waiv
an inspecon-that arent in your best interest.
G.M. Filisko is an aorney and award-winning writer who has to
mind herself to remain unemoonal during negoaons. A freq
contributor to many naonal publicaons including Bankrate.co
REALTOR Magazine, and the American Bar Associaon Jou
she specializes in real estate, business, personal nance, and le
topics.
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Laurel W Pirkle, Agent301 S. Morgan
Granbury, TX 76048
Bus. 817-573-5504 Fax. 817-573-6631
24 Hour Good Neighbor Service
The Granbury Association o
REALTORS recommends you
do business with our GREAT
afliates.
moregreat rates, low feesfriendly, responsive servicequick approvals
Melissa Schaefer
NMLS #441943
817-579-4902
www.communitymortgage-tx.com
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Shirley HooksBroker
Shirley Hooks, Inc.
- GRANBURY -
817-573-8801
122 N. Crockett St.
- GODLEY -
817-389-2121
101 Main Street
THE EXPERTS IN LUXURIOUS CASUAL LIVING
WWW.CENTURY21SHOOKS.COM
1-888-770-7356
RESIDENTIAL
HOMES WITH ACREAGE
#139 Heart of Granbury8/8.5/8 Turn of the cen-tury historic craftsmanstyle home. Foreclosure!$350,000
#132 Royal Oaks 3/2/2 Glocation! One owner hwith large fenced backhas parklike setting backs to beautiful pas$182,500
#213 Waters Edge 4/3/2 Fromthe moment you walk inyou appreciate the like newhome with huge back porch!$360,000
#121 Gateway Add 3/2/2 Verynice, move-in ready home onFt worth side of town on halfacre lot! $124,900
#136 Stoney Creek 3/2.5/2Immaculate, well cared forhome wins the curb appealaward $224,900
#115 Thrash 3/2/1 Beful early craftsman h
just blocks from downsquare. Reduced! $249,0
#1403 Pecan Plantation5/4/2 Awesome home withtons of space! MUST seeto appreciate this value.$273,000
#503 Blue Branch Ranch4/2/4 Peaceful home on 2acres in gated subdivisionwith 20 acres private lake &100 acres of trails. $224,900
#404 Pecan Plantation 4/3/3Stunning open conceptcustom home on 1.5 acreswith Brazos river frontage!Reduced! $374,900
#123 Peninsula 3/Beautiful, upscale comnity home with one owready for you to move$239,900
#156 DeCordova Hills 3/3/2Excellent location! This wellmaintained home sits on 2.5acres with small vineyard!$230,000
#135 Pecan Plantation 5/4/2Spacious home on cor-ner lot with in-ground poolgreat for outdoor entertain-ing! Reduced! $254,000
#224 Harbor Lakes 3/3.5/3The best of lake front andgolf club living. ExclusiveHarbor Lakes executivehome. $689,000
#124 Heres Your CountryHome! 4/3/0 Completely re-modeled on nearly 3 acresready for your horses Re-
#507 Country Living 3/2.5/3Wonderful country homeon 26+ acres. Shows prideof ownershi in home and
#505 Bosque County 4/2.5/2Rustic Texas Hill Coun-try home includes stockpond and lots of wildlife!
#504 Glen Rose 3/3/3 Lly home on 8 acres guest quarters. Redu$299,000
#142 Canyon Creek 3/2/2Open concept home readyfor you to move in! $145,000
#146 Mooreland 3/2/0 Dar-ling home on large lot closeto shopping, lake, andHistoric Granbury square.$129,900
#407 Pecan Plant1-1.1-CP Walk to the house for dinner or round of golf from thisdo. $56,500
WATERFRONT & GATED
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Protecting home ownership,now and for future generations.
A child doesnt know that owning a home helps buildcommunities. That home ownership contributes to higherself-esteem and better test scores. They just know that homeis where they belong. Its where they play, grow and learn.
The National Association of REALTORS will always stand upfor home ownership and strive to protect it. Because homeownership matters to our families, our neighborhoodsand our country.
HouseLogic.com/homeownership
2012 REALTORS are members of the
National Association of REALTORS
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A Great Place for You...and for Mom and Dad, t
100 Watermark Blvd., Granbury, TX 76048
(817) 573-3434
www.WaterviewLife.com
A Legend Retirement Corp. CommunityAL# 104023, 104024
Waterview offers everything you have been looking for. A lakefront property, custom-built hompool, clubhouse and dining options await you at The Vistas Edge at Waterview. On site are stathe-art Independent Living, Assisted Living and Memory Care communities that include spaciopartments, many floor plans from which to choose, chef-prepared dining, and fitness and well
lasses. You can keep your independence in your own home, and know that Mom and Dad are by, receiving the care and attention they deserve.
Stop by today to view our homes. We know youll fall in love with the indoor and outdoor firepviews over Lake Granbury, beautiful kitchens and detailed woodwork. And while youre here, taook at our communities to see what Mom and Dad could be enjoying as well.
Call us today at (817) 573-3434 to schedule a tour
and learn about all the great savings going on now!
-
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24/3224
7 Steps to a Stress-FreeClosing
-
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25/32
G. M. Filisko
blished: February 10, 2010
doing homework in advance, youll understand what youre
ked to sign when you close the sale of your home.
uve already cleared several hurdles by nding the right
me, negotiating the best price, and securing favorableancing. The last obstacle on your homebuying track is the
sing, which can be both tedious and tense. By knowing
at to expect and doing some legwork, you can put your
sing behind you. These seven steps will guide you through
mooth closing.
Set a closing date
ur real estate agent will work with the sellers agent and title
mpany to schedule your closing date. Be sure it meshes
h the end of your lease or the sale of your existing home
d a time when youll able to play hooky from work. If youre
ht on cash, schedule your closing for the end of the month
cause thats when youll have to pay the least amount of
erest at the closing table.
Gather your funds
u may be required to bring funds to the closing. If theyre
t easily accessible, arrange early to transfer them to a liquid
count to avoid last-minute problems. If the title company
quires the funds in the form of a cashiers check, also leave
e to stop by the bank and pick one up.
Purchase title insurancee insurance protects the policyholder against trouble with a
mes title. Your lender will insist that you purchase a policy
protect it. You should also consider purchasing whats called
owners title policy from the same insurer, which protects
u from fraudulent claims against your ownership and errors
earlier sales. In some areas, sellers traditionally pay for the
yers title policy. Shop online at Closing.com (http://www.
sing.com), EasyTitleQuote.com (http://www.easytitlequote.
m), and FreeTitleQuote.com (http://www.freetitlequote.com).
our home has been sold within the past few years, ask the
or owners insurance company for a reissue discount.
Line up homeowners insurance
t quotes and compare policies to be sure coverage will
in effect by your closing date. An annual policy should
n $500-$1,000, depending on your homes size, age, and
enities. If you live in an area where natural disasters occur,
e earthquakes, oods, or hurricanes, youll need separate
urance to protect your home.
5. Review your good-faith estimate and HUD-1 settlement
sheet
Your lender must provide a good-faith estimate of your closing
fees. Some of those fees cant change, and others can rise by
10%. Before you go to the closing, read your good-faith esti-
mate, compare it with your HUD-1 settlement statement, and
question any fees that increased.
6. Do a walk-through
Schedule an appointment to walk through the home one last
time just before your closing. Make sure repairs you requeste
have been made, no major changes have occurred since you
last viewed the property, and that the sellers left anything they
agreed to leave and took all their belongings.
Also test electronics and appliances, such as the doorbell,
dishwasher, washer and dryer, and oven, to ensure theyre
functioning properly. Do the same with the hot water heater
and heating and air conditioning systems. Walk the yard to be
sure no plants or shrubs have been removed.
7. Resolve issues identied in your walk-through
If your walk-through uncovers problems, in some states you
can delay the closing until the seller corrects them. But thats
often not feasible because your lease is probably over and
youve already scheduled movers. Another option is to negoti
ate a discount to your sales price to cover the cost of the work
needed. If the air conditioning is on the fritz and a contrac-
tor says the repair will cost $500, ask that the sales price be
reduced by that amount. If you make that request at closing,
however, be ready for a delay while the title company redoes
the paperwork.A third option: Have the title company hold a portion of the
sellers proceeds in escrow until the dispute is resolved. Once
that happens, the funds will be released to you or the seller,
depending on the outcome.
More from HouseLogic
Do you have the right amount of homeowners insurance?
(http://www.houselogic.com/articles/homeowners-insurance-
are-you-over-or-underinsured/)
Shop for an umbrella policy when you shop for homeowners
insurance (http://www.houselogic.com/articles/whats-coveredumbrella-insurance/)
G.M. Filisko is an attorney and award-winning writer who has
endured several property closings, but the easiest was done
through the mail. A frequent contributor to many national pub-
lications including Bankrate.com, REALTOR Magazine,
and the American Bar Association Journal, she specializes in
real estate, business, personal nance, and legal topics.
Granbury Association of REALTORS page
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26/3226
260-PECAN PLANTATION
3BR-2 bath-2 large living
areas with WBFP. Split
bedroom arrangement, eat in
kitchen & formal dining area.Upstairs game room with
bath. Sprinklers, circle drive.
$174,000 MLS# 11556189
5-LAKE GRANBURY MAIN-
ODY WATERFRONT 3 story,
ntemporary style living. 4
R, 3 baths, 3 car garage.
ews from almost every
om of the house. Double
cker boat dock with boat
et ski lifts. $499,000 MLS#
730052
406-WATERFRONT HOME
with spectacular views of
water and trees. 3BR/3 BATH,
open living, dining and
kitchen. Glassed sunroom
with mini kitchen. Inground
heated, pool and spa.
$320,000 MLS# 11779825
SALLY MOORE(817) 579-1504
Cell: (817) 219-0896
KER/ASSOCIATE
RE/MAX Lake GranburySALSELLSGRANBURYREALESTATE.COM
4810 E. Hwy. 377, Granbury, Texas 76049
Each Ofce is Independently Owned and Operated
18-VERY UNIQUE 3 STORY
bedroom, 2 bath home in
Mountain Lakes. Great views
rom the many windows
nd decks. 1st oor living,
itchen, dining needs nish
ut. $68,000
03-LOTS OF ROOM IN THIS
BR, 2 BATH MANUFAC-
URED HOME. Open concept,
ving, dining & kitchen. Split
edroom, separate cozy den
with replace. Located on
arge corner lot. $60,000 MLS#
1771961
805-GORGEOUS 4 BED-
ROOM, 4 BATH, 2 STORY
ROCK CRAFTSMAN STYLEHOME ON 20 ACRES. Outdoor
kitchen, pool & spa. Separate
2 bedroom, 1 bath guest
house. 2 barns, well & pond.
Fenced & cross fenced.
$775,000 MLS# 11784489
220-BEAUTIFULLY LANDSwith all the amenities and gocurb appeal. Open concept,kitchen, granite counters; hemoulding; split bedrooms; jegas logs; c-fans, golf cart gacircle driveway. $239,000MLS# 11780177
200-COZY AND WELL MAIN
one-story 3 bedroom home
living areas on quiet street in
Nice-size kitchen with break
opens to family room with wburning replace. Large bac
$149,900 MLS# 11678828
273-GORGEOUS HEAVILYCREEK SETTING with woooutdoor patio. Charming 3 bhome with designer touches
kitchen appliances, granite countertops & hard surfaceFireplace & 2 living areas. $MLS# 11747956
272-WOW! Youll think youhome. New paint & carpetGranite c-tops & mosaic bkitchen. New appliances. cabinets & doors, new lighc-fans. New wood deck. $MLS# 11787190
253-FIRST CLASS CUSTODESIGNED HOME with allamenities. Plantation shuttereplaces, screened-in porcglass cabinetry, plated shel
countertops, wood oors, hmetal roof, and relaxing orcin Pecan Plantation. $199,0MLS# 11654515
236-BEAUTIFUL TREED GSETTING IN DCBE. Wrougback yard with covered porcdeck overlooking 10th greeand trim, granite countertopbath suite. $279,000 MLS#
Rod Davis, AREALTOR Assoc
www.roddavis.remaxtexas.com4810 E. Hwy. 377
Granbury, Texas 76049
817-579-1504
Each Ofce is Independently Owned and Operated
254-LIGHT & BRIGHT, sittinneighborhood with quick acto Hwy. 377 on Fort Worth sbedrooms, 2 baths, on corn
starter home for rst-time hor for investors. $90,000MLS# 11743987
416-GORGEOUS RIVERFHOME ON 2 LOTS IN PECPLANTATION; 1 assessmeSeparate studio with half bhobbies, or guest quarters.views. Master down; 3 repliving areas. Seller will lookoffer. $287,000 MLS# 1159
282-MULTI-LEVEL RIVERFRin Pecan with 2-level deck ovriver. 4 bd, 2 baths, about 22 lots & 1 assessment. Updakitchen with granite, wood o
2-car garage with walled off gworkshop space. $299,000MLS# 11778729
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Keep Your Home Purchase onTrack
Arcle From BuyAndSell.HouseLogic.com
By: G. M. Filisko
Published: March 30, 2010
Youve found your dream home. Make sure missteps dont pre-
vent a successful closing.
A home purchase isnt complete unl you make it to the clos-
ing. Unl then, the transacon can fall apart for many reasons.
Here are ve ps for avoiding mistakes that cause a home sale to
crater.
1. Be truthful on your mortgage applicaonYou may think fudging your income a lile or oming debts
when applying for a mortgage will go unnoced. Not true. Lend-
ers have become more diligent in verifying informaon on mort-
gage applicaons. If you b, expect to be found out and denied
the loan you need to fund your home purchase. Plus, intenon-
ally lying on a mortgage applicaon is a crime.
2. Hold o on big purchasesLenders double-check buyers credit right before the closing to be
sure their nancial condion hasnt weakened. If youve opened
new credit cards, signicantly increased the balance on exisng
cards, taken out new loans, or depleted your savings, your credit
score may have dropped enough to make your lender change its
mind on funding your home loan.
Although its tempng to purchase new furniture and other items
for your new home, or even a new car, wait unl aer the closing.
3.Keep your jobThe lender may refuse to fund your loan if you quit or change
jobs before you close the purchase. The me to take either step i
aer a home closing, not before.
4. Meet conngenciesIf your contract requires you to do something before the sale, do
it. If youre required to secure nancing, promptly provide all the
informaon the lender requires. If you must deposit addional
funds into escrow, dont stall. If you have 10 days to get a home
inspecon, call the inspector immediately.
5. Consider deadlines immovableGet your funds together a week or so before the closing, so you
dont have to ask for a delay. If youll need to bring a cered
check to closing, get it from the bank the day before, not the day
of, your closing. Treat deadlines as sacrosanct.
G.M. Filisko is an aorney and award-winning writer who
wanted a successful closing on a Wisconsin property so bad that
she probably made her agent rethink going into real estate. A
frequent contributor to many naonal publicaons including
Bankrate.com, REALTOR Magazine, and the American Bar
Associaon Journal, she specializes in real estate, business, per-
sonal nance, and legal topics.
Visit houselogic.com for more arcles like this. Reprinted from
HouseLogic with permission of the NATIONAL ASSOCIATION OF
REALTORS Copyright 2012. All rights reserved.
ranbury Association of REALTORS page 28
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Kay Bailey,GRI
817-776-1668UNITED REALT
PROFESSIONAL
100% Financing Available for Qualifying BUYERS.
SHORT SALES & FORECLOSURE
Resources Certied
www.GranburyRealProperty.com
ITS A GREAT TIME TO
BUY.....
Lowest Interest Rates
in Decades
5006 RIO VISTA
DeCordova Bend Brick ReDO 3/2/2 with1900sqft * 4 Plank Hardwood Floors* Graite * Stainless & Farm SINK * Crookneck Re
Entry Garage enough for Cart $164,500
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life, jet ski platform on natural cove!It has it all! $319,000
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5 Tips to SaveMoney on Home-Owners Insurance
Raise your deducble. An increase
from $500 to $1,000 could save up to
25% on your annual premium.
Check the nancial health of any
home owners insurance company
youre thinking of buying a policy
from. Ask friends and family if theyve
had any experience with the companyto nd out if it handles claims fairly
and eciently.
Dont drop ood insurance to cut
costs. Standard home owners insur-
ance doesnt cover ood damage and
25% of all ood losses occur in low-
risk areas.
Look into mul-policy discounts.
Buying several policies with the same
insurer, such as home owners, auto,
and life, usually gets you a discount on
all the policies.
If local home values have fallen,
insuring your home for its real estate
value may cost less than insuring it
for its replacement value (the cost to
rebuild) but will leave you without
enough money to rebuild aer a disas-
ter. Dont opt for home value cover-
age unless you can aord to cover the
excess replacement costs.
Source: Insurance Informaon Instute
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#11769763-MAINBODYWATERFRONT inHarbor Lakes. 4
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817-578-4424
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WeSell
Granbury!
Pam KnieperOwner | Broker
R E A L E S T A T E
w w w . K n i e p e r T e a m . c o
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Ofered at $1,900,000
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