granbury homes august 2012

7/31/2019 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

[email protected]

EXECUTIVE ASSISTANT :Pat Angeley

[email protected]

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


6/326anbury Association of REALTORS Page 6

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.


7/32

UNITED REALTY

[email protected]

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


9/32

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.


10/320

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


11/32

REALTOR Associate

817-219-1969CALL ANYTIME

[email protected]

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


12/322

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


13/32

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.


14/32

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


15/32


16/326

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


17/32

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


18/32ranbury Association of REALTORS page 18

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.


19/32

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.


20/3220

Laurel W Pirkle, Agent301 S. Morgan

Granbury, TX 76048

Bus. 817-573-5504 Fax. 817-573-6631

[email protected]

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


21/32

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


22/3222

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


23/32

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!


24/3224

7 Steps to a Stress-FreeClosing


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


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

[email protected]

KER/ASSOCIATE

RE/MAX Lake GranburySALSELLSGRANBURYREALESTATE.COM

4810 E. Hwy. 377, Granbury, Texas 76049


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#

[email protected]

Rod Davis, AREALTOR Assoc

www.roddavis.remaxtexas.com4810 E. Hwy. 377

Granbury, Texas 76049

817-579-1504


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


27/32


28/3228

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


29/32

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

3818 WINDING WAYPORT RIDGLEA WEST Newer brick waterfr3/2/2 hardwood, granite, stainless, doc

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4013 FAIRWAYDeCordova Bend Rock Kuykendall GoCourse Home w/Split Plan*18th FairwayGranite Kitchen & Newly Updated *Roc

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D

C

B

E

D

C

B

E

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


30/32


31/32

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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

e amily home on 5 acres ready or horses, enced &s enced, 5 stall barn, spacious foor plan, RV storage.

Ofered at $439,000

cute 3/2/2 home, lots o trees, great shaded property,Ofered at $114,900

Ofered at $1,900,000

Incredible countryside estate on 54+ acres, 6 bdrms, 2kitchens, 4 living areas, guest house, pool, barn & more.

Ofered at $449,900

Relaxing country home on 24 acres, 3400 sqt, bright &spacious living area, amily sized kitchen, RV hookups.

Ofered at $179,900

Charming 3/2/2 custom home, well maintained, great

Ofered at $525,000

Country gem on 28+ acres. Walk inside & be

Warm & inviting, large open foor plan, 36x30

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Absolutely gorgeous waterront home, 180 eerontage, huge boat dock, inviting atmosphere

Ofered at $795,000

Exquisite home, spectacular panoramic lake view, custom

built, extensive built-ins, Texan infuences thru-out.

nicent lakeside estate, 1 acre, mainbody water, luxu-

s living space, outdoor kitchen, pool/spa, boat dock.

Ofered at $985,000

ly sized luxury home, walk-out water, versatile foor private study, outdoor kitchen, dock+guest quar ters.

Ofered at $789,000 Ofered at $489,900

Gorgeous log lake house with beautiul nishes &bdrms, 3 baths, large gameroom, covered porch &

Ofered at $189,000

Great 3/3 house on deep cove surrounded by hu

granbury homes august 2012

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