information, advice and preparations to guide you through your … · 2020-06-13 · information,...

Information, Advice and

Preparations to Guide You

Through Your Real Estate Journey

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B U Y I N G A H O M E

Joa Realty

www.JoaRealty.com

Email: [email protected]

Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

U P D A T E M A Y 2 0 1 0

I N S I D E T H I S I S S U E :

H O M E B U Y I N G

B A S I C S 2

F I N A N C I N G

B U D G E T

8

H O M E S E A R C H 1 2

M O R T G A G E

O P T I O N S

1 4

C L O S I N G 2 0

I N S U R A N C E 2 7

R E S O U R C E S 3 0

S C H O O L

C O N T A C T S

3 1

T A X E E S B Y

C O U N T Y

3 2

J O A R E A L T Y

W E L C O M E T O T H E M A R K E T

Buying a home can be exciting, scary, and over-

whelming all at once. There are a number of

factors and considerations to take into account

in order to make the best real estate decision.

The more prepared you are, the better off you

will be. This guide is intended to arm you with

the most up-to-date and relevant information

possible.

The guide will provide information regarding

financing options. It will explain the differences

between 30, 20 , or 15 year, fixed or variable,

balloon or conventional mortgages. How your

amortization works, what to look for from your

lender and many other important considerations

when choosing the financing of your home pur-

chase.

This guide will also provide you with a field

guide for your home search. When looking at

potential houses, it’s easy to be distracted by a

home’s charm. The field guide will help you stay

on track. It will keep you looking for what you

want and what you don't want.

Also, the guide will explain the closing process.

It will get you familiar with what will happen and

make sure

that you are

prepared to

close on the

home of your

dreams.

This guide

was compiled

by our experi-

enced real estate professionals in order to pre-

pare future home buyers for the home buying

journey. It is intended to ensure that you have a

pleasant experience finding the home of your

dreams.

B E G I N N I N G T H E J O U R N E Y

Nothing describes the feeling.

Congratulations on begin-

ning your real estate journey!

Buying a home is a big step

that has a large impact on

your future financial and

family life.

Joa Realty is happy to be

able to aid and guide you

throughout this process. We

are here to lend our advice

for any questions or issues

you might have.

It is our goal to make sure

that you are able to locate,

finance and purchase the

home of your dreams.

We apply our training and

past experience to help

guide home buyers through

the journey. Joa Realty helps

clients to become well in-

formed so that they under-

stand what is going on dur-

ing their home purchase.

We hope that this will be a

memorable and exciting

experience from beginning to

end.

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G E T T I N G S T A R T E D I N S I D E T H E G U I D E

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

U P D A T E M A Y 2 0 1 0

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S T E P B Y S T E P C H E C K W H A T T O E X P E C T

1 2 S T E P S T O B U Y I N G A H O M E

1. Select a realtor and understand their role in your home pur-

chase as well as the services they provide.

2. Decide how much you can afford to spend on a home; usu-

ally it is considered standard for the cost of your home to be

between 25% and 30% of your income.

3. Decide possible neighborhoods you would like to live in; take

into consideration commute, schools, future construction,

etc.

4. Determine the amount you wish to put towards down-

payment and closing costs.

5. Check your credit for accuracy and determine your credit

score.

6. Explore different types of loans and determine which loan is

right for you.

7. Pre-qualify for a loan so you know how much you will have to

work with.

8. Search for a home in your preferred areas that will meet

your needs and requirements.

9. Determine the cost of the home including mortgage, inter-

est, taxes, maintenance and any home owners association

fees or dues.

10. Gather and organize all needed documentation for closing.

11. Sign documents and turn on utilities and phone service.

12. Move in and begin getting settled in your new home.

Following the path to your new home.

U P D A T E M A Y 2 0 1 0

Q U E S T I O N S T O A S K

Y O U R R E A L T O R :

Are you currently li-

censed in your state,

and is your NAR mem-

bership current and in

good standing?

Do you use the MLS

database for your home

searches?

Is Realty your full time

career?

What services will you

provide to help me with

my home purchase?

W H A T I S A R E A L T O R ®

and commit to practice under

their strict code of ethics and

guidelines.

What this means for you the

buyer is that you will be repre-

sented by a thoroughly edu-

cated and ethical individual

in the field. It also means that

your rights and interests will

be understood, protected and

upheld.

NAR’s code of ethics requires

agents to put the interests of

their clients before anyone

else’s, to protect their clients

confidentiality including nego-

tiation and contract informa-

tion, obey the clients lawful

instructions, convey any infor-

mation that would be useful to

the client, and account any

money involved to the client.

This kind of professional com-

mitment is very important

when making a large financial

purchase such as a home.

You need a person who is on

your side and committed to

meeting your goals.

A Realtor® is not just a per-

son with a real estate license.

Realtors® set themselves

apart from licensed agents by

completing necessary educa-

tion and requirements to be

accepted into the National

Association of Realtors.

This process begins with edu-

cation, examinations, and

experience as required by

their state to receive their real

estate license. They then

apply to join the National As-

sociation of Realtors (NAR)

“NAR’s code of

ethics requires

agents to put

their clients

interests before

anyone else’s.”

M A K I N G T H E B E S T C H O I C E

When choosing a Realtor® , it

is important to ensure that they

will be focused on your goals,

not theirs. Treat each presen-

tation from agents as an inter-

view.

Compile a list of questions and

concerns you have relating to

your home purchase ahead of

time. If they have not been

addressed at the end of their

presentation, ask for more in-

formation.

Your Realtor® or agent should

be able to answer those ques-

tions in a knowledgeable and

understandable manner. Your

agent will then be able to keep

these things in mind through-

out the home buying process.

It is also a good idea to tell

them what you expect of your

agent throughout the process.

Would you like a call every time

a suitable property comes on

the market, are there any time

constraints for you, etc.

Making sure you and your real-

tor are on the same page from

the beginning is key to a good

relationship and a smooth

home purchase.

Find your dream home and take it

with you.

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W H Y U S E A R E A L T O R P R O T E C T I N G Y O U R I N V E S T M E N T

U P D A T E M A Y 2 0 1 0

S U S I E K A N G G R I , B R O K E R , C C I M , C I P S , C R S , C D P E

U N I Q U E S E R V I C E S J O A

R E A L T Y P R O V I D E S :

Buyer meeting to assess your

goals, financing, and search crite-

ria.

CMA for your search area to assess

market condition.

MLS database search based on

your unique needs and preferences.

Compilation of suitable properties,

and discussion of viable options.

Visits to possible homes and guid-

ance for clients through their

evaluation of the property.

Feng Shui consultation to establish

balance with your new home.

Delivery of all offers and counter

offers to the sellers agent.

Open and accountable communica-

tion with clients at all times in all

stages of their home sale.

Considerate appointment sched-

ules for our clients’ busy schedule.

Closing procedure preparation for

client, including costs and docu-

ments required.

Custom relocation package for

client’s new neighborhood and

community.

Susie Kang has fifteen years

experience managing proper-

ties in the Austin and Round

Rock area and specializes in

income producing properties

including office buildings, retail

shopping centers, and multi

family and residential proper-

ties.

Prior to her career in real es-

tate commercial investment,

she has worked for major tech-

nology companies as a design

engineer, a product support

engineer in Austin, and an

elementary school teacher in

South Korea.

Susie Received a Bachelor of

Science in Electrical Engineer-

ing from the University of Illi-

nois and a Bachelor of Educa-

tion from Incheon Teachers

College in South Korea.

Susie is a licensed real estate

broker in the State of Texas,

and holds designations of

CCIM (Certified Commercial

Investment Member), CRS

(Council of Residential Special-

ists) and CIPS (Certified Inter-

national Property Specialist).

She is skilled in applying Feng

Shui principles to residential,

commercial and office proper-

ties to improve wealth, health,

and relationships of the resi-

dents. She also likes golf and

ball room dancing in her lei-

sure time.

Susie Kang,

Broker, CCIM, CRS, CIPS

512-695-1481

[email protected]

J O A R E A L T Y ’ S M I S S I O N

Joa Realty provides complete and comprehensive representation of our clients. We do this

by focusing on each client’s individual needs and goals with the sale of their home. Our

team works to ensure that each sale is as fast and stress-free as possible.

In order to ensure a speedy and hassle-free sale, we initiate a unique marketing plan for

each property to ensure maximum exposure to prospective buyers. We work with buyers

agents and individual buyers to negotiate favorable and profitable terms of sale.

In order to provide the most comprehensive service, Joa Realty serves as the one stop

resource for all of our client’s real estate needs. We are here to support our clients with

information and assist them with any questions or concerns they have.

Joa Realty also considers client contact to be our number one priority and maintains open

and accountable communication as well as convenient appointments scheduled around

our clients’ busy schedules.

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W H Y U S E J O A R E A L T Y A W I N N I N G T E A M O N Y O U R S I D E

U P D A T E M A Y 2 0 1 0

Goals are one of the most important

aspects of purchasing a home. Before

you get started, sit down and try to

identify what is important to you with

this purchase.

When you are viewing homes, it is

much easier to have certain goals in

mind than to just be ―looking around.‖

When you ―look around‖ you run the

risk of making an impulse buy - a very

expensive one.

Whether you are looking for your very

first home or trying to find an invest-

ment property, you must identify your

motivations for purchasing a home.

We have included a questionnaire on

the following page that can help you

identify your goals.

Once you know what you are looking

for and what you need, make sure that

you inform your agent. Your agent will

be able to take these needs and goals

into consideration when they are com-

piling potential properties. This will

help save time and wasted trips to

properties that do not meet your needs

and goals.

Also, if your agent is familiar with your

goals, they will be able to help keep

you on track. Viewing properties can

be very strenuous, and it is easy to

stray from your original path.

Remember that this is an investment

in your future and you are working to

achieve your goals. Choosing a home

that is in line with your goals will make

it a much more satisfying place to live.

I D E N T I F Y I N G Y O U R G O A L S

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M O T I V A T I O N C H O O S I N G Y O U R P A T H

Guarding your goals.

J O A R E A L T Y

To stop renting and to gain tax

incentives.

To expand their home’s size, liv-

ing area and comfort.

To accommodate additional Mem-

bers of the family.

To change neighborhoods or

move closer to school or work.

To reduce the home size and

maintenance, often after the chil-

dren move out.

C O M M O N R E A S O N S

P E O P L E B U Y A H O M E

U P D A T E M A Y 2 0 1 0

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S H A R E Y O U R T H O U G H T S W E A R E H E R E T O S E R V E Y O U R N E E D S

T E L L U S Y O U R R E A S O N S , M O T I V A T I O N S , A N D C O N C E R N S

W H A T A R E Y O U R R E A S O N S F O R M O V I N G A T T H I S T I M E ?

W H A T A R E Y O U R G O A L S F O R T H I S P U R C H A S E ?

W H O W I L L B E L I V I N G I N A N D / O R V I S I T N G T H E H O M E ?

W H A T E X P E C T A T I O N S D O Y O U H A V E O F Y O U R R E A L T O R ?

Your needs are Joa Realty’s number one concern. We will keep these in mind throughout the buying

process to ensure that these goals are being achieved. Please share with us any thoughts or con-

cerns you have with the purchase of your home so that we are able to provide you the best service

possible.

A D D I T I O N A L C O M M E N T S :

Organizing your

thoughts, feelings, and

ideas.

U P D A T E M A Y 2 0 1 0

Once you have identified why

you are making this pur-

chase, you should determine

what you will be able to af-

ford. You will first need to

know what lenders are look-

ing for.

Lenders base their loan deci-

sions on minimizing the risk

of the loan not being repaid.

To determine this risk, they

look at past credit, current

debts and positive income.

In order to find an appropri-

ate loan amount, they calcu-

late how much of your total

monthly income would be

going toward bills, taxes and

mortgage payments. In gen-

eral they try to keep this

amount between 25-30% of

your monthly income.

Fannie Mae offers numerous

calculators to help you iden-

tify your possible loan

amounts. These calculators

are worth researching before

you try to get pre-qualified.

This will prepare you for what

you can afford and will help

you identify area’s of im-

provement.

Being prepared is the best

way to ensure you are able to

qualify for the amount that is

right for you.

Refer to the helpful numbers

at the end of the packet for

companies and websites that

will help you determine your

financial options.

W H A T A R E L E N D E R S L O O K I N G F O R ?

Money Time

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Y U P D A T E M A Y 2 0 1 0

F U N D I N G Y O U R D R E A M C O S T B E N E F I T A N A L Y S I S

J O A R E A L T Y

T H I N G S T O A V O I D B E F O R E

R E C E I V I N G Y O U R L O A N

Making large purchases on credit — this increases

your liabilities and can lower your loan amount.

Checking your credit repeatedly —this makes lenders

think that you will purchase something on credit after

you close on your home and increase likelihood of

default on their debt.

Moving or changing addresses — maintaining the

same address for three years or more can raise your

credit score and make you seem more dependable

to lenders.

Co-Signing on any loans — this increases your debts

and liabilities, and reduces your loan qualification.

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P R E - Q U A L I F Y K N O W B E F O R E Y O U G O

Pre-qualifying for your

home is a very important

step to take before even

beginning your search.

Pre-qualification is a proc-

ess of determining what

size mortgage you would

be qualified for. It is not

the same as being ap-

proved, it only means that

you qualify for that

amount.

You will not get actual

approval until you submit

an official loan application

for a specific property.

They will then determine if

you are a suitable candi-

date for the loan. Pre-

qualification is simply a

way to determine with a

lender what you will actu-

ally be able to afford.

Getting pre-qualified will

help you tremendously

with your search. It will

give you some parameters

to use. Knowing what you

can afford will save heart-

ache down the road. No

one wants to visit their

dream home only to find

that it is out of their reach

at the moment.

If you prepare yourself

mentally and financially

your search will be much

more pleasant and pro-

ductive. You will be able

to locate your dream

home and actually have

the option to purchase it.

W H A T I T I S

Pre-qualifying not only helps you search for compatible home prospects, it

also helps with negotiations once you choose the home that you want.

Being pre-qualified tells the seller that you are a sound bet and that they

are not going to risk taking their home off of the market only to have clos-

ing fall through because of problems with financing.

You will also be able to negotiate more efficiently if you know what you

can afford and what your spending limit is. It is a good idea to tell the

seller that you are pre-qualified, but do not disclose what amount you are

qualified for. Keep this information to yourself and take that into consid-

eration when negotiating your sales contract.

Information is power and preparations make perfect. The more you know

in advance, the more power you will have when negotiating. The key to a

successful purchase is ensuring that you are ready and able to make an

informed decision.

T O O L S F O R N E G O T I A T I O N

I wonder if he’s

qualified...

Toe to toe at the

negotiating table.

Planning makes perfect!

U P D A T E M A Y 2 0 1 0

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W H A T C A N Y O U A F F O R D ?

Q U A L I F I C A T I O N W O R K S H E E T

N O T E S /

A D D I T I O N A L

I N F O R M A T I O N

I N C O M E

Type Amount

Savings $

Investment (Stock,

etc.)

$

Insurance (cash value) $

Gifts $

Other $

Salary $

T O T A L $

M O R T G A G E P A Y M E N T

Type Amount

Principal and Interest $

Taxes $

*PMI $

Home Owners Associa-

tion

$

Other $

T O T A L $

D E B T O B L I G A T I O N

Type Amount

Total Mortgage Pay-

ment

$

Auto Payments $

Credit Card Pay-

metns

$

Loans lasting longer

than 6 months

$

Child Support $

Other Monthly Ex-

penses

$

T O T A L $

A L O W A B L E P A Y M E N T S

Type Amount

FHA Monthly Pay-

ment

amount 40% of in-

come

$

Conventional Monthly

Payment Amount 38%

of income.

$

T O T A L

M O N T H L Y

P A Y M E N T

$

F I N A N C I A L W O R K S H E E T

U P D A T E M A Y 2 0 1 0

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H O M E C O S T T I P S H O W M U C H D O E S I T R E A L L Y C O S T

A $200,000 home costs more than a $185,000 home, right? Well, yes and no.

Assuming the same type of financing for both homes, the $200,000 home does

cost more initially. But many factors contribute to the overall long-term cost of a

house. Here are some things to keep in mind when trying to determine the true cost

of purchasing a particular home:

Does it have a pool or hot tub that requires maintenance?

How much yard maintenance is required and who will perform it?

Are there trees that should be removed?

What are the utility costs? (Although your usage would not be exactly the same as

the current owners, you may be able to get their utility bills for the past year from

them or directly from the utility company.)

How soon will the roof need to be replaced?

Does the house need repainting?

Does the electrical system need upgrading to handle the load for your appliances

and electronics?

Does the home have aluminum wiring, lead-based paint, or other safety or health

hazards you will want to address?

Does the house need new carpeting or flooring?

What remodeling projects do you see as a must?

Will appliances need replacing? What items convey?

What are the estimated property taxes for the property?

All of these things might not seem like much when you are thinking about the bene-

fits, but they will add up quickly. Make sure that you purchase a home that you can

keep up with.

L O O K O U T ! ! !

Courtesy of the Texas Real Estate Commission

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

U P D A T E M A Y 2 0 1 0

When you first begin to look for

your new home, it can get a little

overwhelming. We have included

some checklists and tips to make

the search much more enjoyable

and productive.

The main thing to keep in the

forefront of your mind is your

goals. What kind of home are

you looking for? What are your

plans for this home? What would

you like to be able to do in this

home or with this home?

All of these things will come into

play once you begin visiting

homes. Refer back to your moti-

vation questionnaire so you are

sure to remember all of your

goals and needs.

Keeping these things in mind will

help to increase your satisfaction

with the home now and in the

future.

T H E H U N T B E G I N S

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Y U P D A T E M A Y 2 0 1 0

F I N D I N G Y O U R D R E A M

H O M E F I N D I N G Y O U R D R E A M H O M E

Is the home appealing to you as you drive up?

Does the home have your desired garage arrangements?

Does the home have your desired number of bed and

bathrooms?

Do all of the doors open and close easily?

Is the kitchen usable and satisfactory?

Are the bedrooms your desired size?

Do bathrooms have any visible leaks or water damage?

Is there adequate storage? Closets, attic, etc.

Is the yard adequate size?

Does the landscape fit your desired amount of mainte-

nance?

T H I N G S T O C O N S I D E R

W H E N V I S I T I N G

The MLS database is one of the most useful tools available to locate

possible homes. It is essentially a large database that houses almost

all homes available on the housing market.

This database is a tool used by realtors to list and find properties of

all types. Commercial, residential, and multi-family properties are all

available on the database.

Your realtor will have experience searching the database, and will be

able to compile the most suitable properties on the market. MLS will

also provide the most complete and accurate information regarding a

property and will help you avoid wasted trips to ―great view, minor

repair‖ properties.

M U L T I P L E L I S T I N G S E R V I C E

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Y U P D A T E M A Y 2 0 1 0

H O M E E V A L U A T I O N O N A S C A L E O F 1 - 1 0

Area Home 1 Home 2 Home 3 Home 4 Home 5

First Impression

Lawn

Garage Size and Condition

Exterior Paint/Masonry

Entryway

Kitchen Size and Layout

Appliances

Sink and Countertop Condition

Living Room Size

Flooring

Master Bedroom

Bedroom 1

Bedroom 2

Bedroom 3

Bedroom 4

Master Bathroom

Bathroom 2

Bathroom 3

Home Office/Extra Room

Patio or Deck

Heating and Cooling

Taxes

Condition

Schools

Notes

Use a scale of 1-10 with 10 being the highest.

H O M E E V A L U A T I O N S

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Y U P D A T E M A Y 2 0 1 0

M O R T G A G E O P T I O N S F I X E D , V A R I A B L E O R B A L L O O N ?

Fixed Rate Mortgages — offer stability and predict-

ability with a fixed interest rate and monthly pay-

ment for the life of the loan.

Adjustable Rate Mortgages — lowers initial pay-

ments. Generally they operate on a ratio, for ex-

ample 5/1, in which the first 5 years of the loan is

fixed and after that, the rates adjust up or down

depending on national indexes. Be aware, how-

ever, that usually when the rates go up, the

monthly payment goes up as well.

Interest Only Loans — in which for the first 5 to 10

years of the loan only interest payments are

made. Once the interest only period is over, the

borrower must pay off the principal plus interest in

20 to 25 years based on the initial period length.

These are good for people who need cash flow in

the short term to pay off other debts or people

who have an irregular cash flow.

No or Low Down Payment Loans — in which the

entire purchase is financed. The borrower will

need to purchase private mortgage insurance to

protect the loan until 20% of the principal is paid

back. These are good for people with good credit,

and little savings for down payments.

Reverse Mortgages — are loans which pay out over

time in monthly installments from existing equity

in a home. These are usually used for retiree’s to

help pay for living and medical expenses.

J O A R E A L T Y

N E W M O R T G A G E O P T I O N S

When looking for a mortgage, it

is just like shopping for the

home itself. There are different

terms and prices that are nego-

tiable, so shopping around for

different options, comparing

them and negotiating will help

you save a lot of money.

Finding a mortgage broker may

be a convenient option for many

buyers. Mortgage broker con-

tact various lenders with your

application and find wider range

of options for you to choose

from. However, brokers are not

obligated to find you the best

deal unless they are contracted

with you, so contact different

brokers as well as lenders.

When obtaining information

about mortgages, knowing your

loan amount, monthly payment,

and or the interest rate is not

enough! Be sure to ask the

loan term, loan type and these

three other things:

1) Rates—whether it is fixed

or variable, if monthly

payment will be changed

(because it usually will if

variable), and the APR.

2) Points—are fees paid to

lender or broker for the

loan; usually higher the

points, lower the rate.

3) Fees—many fees are asso-

ciated with home loans

and these are usually ne-

gotiable. Every broker or

lender should be able to

give you the estimate, so

be sure to ask the amount

and what it consists of.

R E V I E W I N G Y O U R O P T O I N S

Finding your place in the maze.

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L E N D E R T I P S G E T T O K N O W Y O U R L E N D E R

W H I C H L E N D E R I S R I G H T F O R Y O U ?

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

A G O O D M O R T G A G E L E N D E R W I L L : Ask lots of questions about your personal financial situation

Be readily available to answer any and all questions you have

Be committed to finding the most appropriate loan for you, not getting you into a

―one size fits all‖ type of loan

Never ask you to do anything that you feel uncomfortable with

Return your calls and emails promptly

T I P S O N F I N D I N G A L E N D E R : Ask your friends and family which lenders they’ve used and what their experiences

were like with their mortgage lenders. Find out who they would recommend.

Do your research. An easy way to research many mortgage companies is to go online;

there are more lenders at your fingertips than you can count.

Visit each lender’s Web site – see if they’re offering you helpful information. Visit the

Better Business Bureau’s (BBB) Web site at www.bbb.org and find out what kind of

reputation they have with the BBB.

The last and probably most important thing to remember is that you should look for a

lender before you start shopping for a home. This may sound backwards, but it’s actu-

ally a smart thing to do. If you get the mortgage process started before you shop for a

house, it can make things easier. The benefits to this are that you know how much you

can spend – there’s little guesswork. Plus, once you’re ready to make an offer on a

house, you can make a firm offer, which gives your offer more weight and credibility

over other offers that are not pre-approved.

Ultimately, the mortgage lender you choose should guide you through the entire mort-

gage process. The best lender must be one that is committed to taking care of your

needs – one you’re comfortable working with and one who will work to get you the best

mortgage to fit your situation.

Source: Quickenloans.com

U P D A T E M A Y 2 0 1 0

http://welcome.bbb.org/

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Y U P D A T E M A Y 2 0 1 0

M O R T G A G E P A Y M E N T S

15 Year Mortgage Monthly Principal and Interest Pay-

ments

Loan Amount 5.5% 6.0% 6.5% 7.0% 7.5%

$80,000 $654 $675 $697 $719 $742

$90,000 $735 $759 $784 $809 $834

$100,000 $817 $844 $871 $899 $927

$110,000 $899 $928 $958 $989 $1020

$120,000 $981 $1013 $1045 $1079 $1112

$130,000 $1062 $1097 $1132 $1169 $1205

$140,000 $1144 $1181 $1219 $1259 $1298

$150,000 $1226 $1266 $1306 $1348 $1391

$160,000 $1307 $1350 $1394 $1438 $1483

$170,000 $1389 $1435 $1481 $1528 $1576

$180,000 $1471 $1519 $1568 $1618 $1669

$190,000 $1552 $1603 $1655 $1708 $1761

$200,000 $1634 $1688 $1742 $1798 $1854

$210,000 $1716 $1772 $1829 $1888 $1947

$220,000 $1798 $1856 $1916 $1978 $2039

$230,000 $1879 $1941 $2003 $2068 $2132

$240,000 $1961 $2025 $2090 $2158 $2225

$250,000 $2043 $2110 $2177 $2247 $2318

$260,000 $2124 $2194 $2265 $2337 $2410

$270,000 $2206 $2278 $2352 $2427 $2503

$280,000 $2288 $2363 $2439 $2517 $2596

$290,000 $2370 $2447 $2526 $2607 $2688

$300,000 $2451 $2532 $2613 $2697 $2781

$310,000 $2533 $2616 $2700 $2787 $2874

$320,000 $2615 $2700 $2787 $2877 $2966

$330,000 $2696 $2785 $2874 $2967 $3059

$340,000 $2778 $2869 $2961 $3057 $3152

$350,000 $2860 $2954 $3048 $3146 $3245

P R I N C I P A L A N D I N T E R S T O N L Y

30 Year Mortgage Monthly Principal and Interest Pay-

ments

Loan Amount 5.5% 6.0% 6.5% 7.0% 7.5%

$80,000 $454 $480 $506 $532 $559

$90,000 $511 $540 $569 $598 $629

$100,000 $568 $600 $632 $665 $699

$110,000 $625 $470 $695 $731 $769

$120,000 $681 $719 $758 $798 $839

$130,000 $738 $779 $822 $864 $909

$140,000 $795 $839 $885 $931 $979

$150,000 $852 $899 $948 $997 $1049

$160,000 $908 $959 $1011 $1064 $1119

$170,000 $965 $1019 $1074 $1130 $1189

$180,000 $1022 $1079 $1138 $1197 $1259

$190,000 $1079 $1139 $1201 $1263 $1329

$200,000 $1136 $1199 $1264 $1330 $1398

$210,000 $1192 $1259 $1327 $1396 $1468

$220,000 $1249 $1319 $1390 $1463 $1538

$230,000 $1306 $1379 $1454 $1529 $1608

$240,000 $1363 $1439 $1517 $1596 $1678

$250,000 $1419 $1499 $1580 $1662 $1748

$260,000 $1476 $1559 $1643 $1729 $1818

$270,000 $1533 $1619 $1706 $1795 $1888

$280,000 $1590 $1679 $1770 $1862 $1958

$290,000 $1647 $1739 $1833 $1928 $2028

$300,000 $1703 $1799 $1896 $1995 $2098

$310,000 $1760 $1859 $1959 $2061 $2168

$320,000 $1817 $1919 $2022 $2128 $2237

$330,000 $1874 $1979 $2086 $2194 $2307

$340,000 $1930 $2038 $2149 $2261 $2377

$350,000 $1987 $2098 $2212 $2327 $2447

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S A T I S F Y I N G Y O U R L E N D E R

When you are applying for your

loan, there are a number of docu-

ments that your lender will request.

The lender will use these to verify

that you have been honest with

your application and that you are a

sound borrower.

It is a good idea to gather these

documents ahead of time so that

you are prepared when you meet

with your lender.

This will save you repeated visits

and wasted time traveling to, and

meeting with, your lender.

Your lender might require some

additional documents not listed, so

make sure to call ahead and verify

what documents they will need to

collect from you.

W H A T Y O U N E E D C O M E P R E P A R E D

Preparing for the meeting.

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

Source: www.realtor.org

W-2 forms — or business tax return forms if

you're self-employed — for the last two or three

years for every person signing the loan.

Copies of at least one pay stub for each person

signing the loan.

Account numbers of all your credit cards and the

amounts for any outstanding balances.

Copies of two to four months of bank or credit

union statements for both checking and savings

accounts.

Lender, loan number, and amount owed on other

installment loans, such as student loans and car

loans.

Addresses where you’ve lived for the last five to

seven years, with names of landlords if appropri-

ate.

Copies of brokerage account statements for two

to four months, as well as a list of any other ma-

jor assets of value, such as a boat, RV, or stocks

or bonds not held in a brokerage account.

Copies of your most recent 401(k) or other retire-

ment account statement.

Documentation to verify additional income, such

as child support or a pension.

Copies of personal tax forms for the last two to

three years.

L E N D E R C H E C K L I S T : W H A T Y O U

N E E D F O R A M O R T A G A G E

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F I N A N C I N G T I P S U S E Y O U R R E S O U R C E S

C R E A T I V E I D E A S


J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

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S H O R T S A L E S

W H A T I S A S H O R T S A L E ?

A short sale is when a lender is willing to take a lesser

amount of the mortgage in order to save money from going

through a foreclosure process. Lender will be willing to do a

short sale only when the borrower is far behind payments

and it is not likely to get the amount paid in full.

Buying a home in short sale requires going through a lot of

red tapes and it is a hassle for buyer, seller and lender as

well. So why would you consider a short sale? Because it

gives you an opportunity to purchase a property at a consid-

erable discounted rate. Also, because lender is eager to

collect any amount on mortgage possible, they will be more

willing to negotiate a favorable deal for you.

However, a short sale is not a do-it-yourself project. A short

sale is the one real estate deal that you need an experi-

enced agent or attorney. Not all real estate agents are ex-

perienced in short sale so make sure to consult someone

with special training and good track record in short sales.

1. Identify potential short sales

Use online data base, courthouse listings, legal ads or

experience real estate agents to locate pre-

foreclosures. Higher the amount owed , more likely

the lender will be willing to sell.

2. View the property.

Find out any costs to repair/renovate.

3. Do your research.

Find out how much the property is actually worth.

4. Find all liens and mortgages.

Find out who the primary lien holder is from the seller

or the agent.

5. Figure out the financing.

Consider working out a loan with the existing lender,

since it will expedite the process of all the paperwork.

6. Contact the lender.

Speak with the loss mitigation department rather

than the collections agency. Finding the decision

maker is the one of the most critical and challenging

parts of the process.

7. Complete the lender's short sale application.

Lenders will usually have a specific short sale applica-

tion.

8. Assemble the proposal.

Proposal includes application, authorization letter,

purchase and sale contract, a hardship letter, state-

ment of property’s value, detail of costs and liabilities,

and a settlement statement.

9. Negotiate.

Figure out your budget limit and do not be afraid to

walk away from the deal that does not meet your

requirements. It is not unusual for lenders to reject

deals and come back with counteroffers.

10. Seal the deal.

Once the agreement is reached, make sure to get

everything in writing and officially recorded.

1 0 S T E P S T O S H O R T - S A L E B U Y I N G

Source: 2010 Real Estate Guide from bankrate.com

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C L O S I N G B A S I C S

W H A T T O E X P E C T

Closing can be an involved and compli-

cated process. Luckily your Realtor and

title company should handle most of the

leg work. It is a good idea, however, to

make sure you know what is going on so

that you are comfortable with the process.

Once you have a contract that both you

and the seller agree upon it is time for

closing. This contract should be delivered

to the title company as well as your lender

if you are not paying in cash. Once you do

this it will be time to formally apply for your

loan; even if you are pre-qualified for one

already.

You should also talk with your agent about

title insurance to protect against any prob-

lems that could be found during the title

search. The following page will discuss

title insurance more in depth.

Once these documents are received in-

spections and appraisals will begin for the

property. All bills for inspection and re-

pairs must be reported to the title com-

pany as well so that they may be included

in the HUD statement.

Once all documents are received, the title

company will begin the title search to en-

sure that the title is free and clear of any

liens or obstructions. They will also set up

the escrow for the closing at this time.

Your lender at this time will be verifying all

inspections and appraisals as well as your

credit history before approving the loan.

Once there is a commitment for title and

loan approval, and the cashier’s check is

received by the title company, you will be

ready for closing. You will either need to

be present to sign the documents or as-

sign a power of attorney to someone who

will be present. All parties will then sign

the paperwork and you will receive the

key.

D U R I N G C L O S I N G

Tying the knot.

After you have completed closing on your

house you will be ready to move in.

Make sure to get all keys and garage

door openers. It is a good idea to plan to

re-key all of the doors. This will ensure

that you know exactly who has a key to

your home. Remember to keep your

home as secure as possible for your

family’s safety.

You should receive your Warranty Deed

from the county clerks office after clos-

ing. Unlike a car title, you do not need to

keep the original. It will be recorded in

the county clerks office once it is proc-

essed.

You will receive your Owner Policy of Title

insurance as well. This will need to be

filed in safe keeping incase you need to

refer back to it for any reason.

You will then need to file for any home-

stead exemptions or tax incentives. If

your property taxes are being handled

through your lender, be sure to forward

any tax information you receive so that

they are aware of any dead lines etc.

Now that the paperwork is done, it is

time to enjoy your new home.

A F T E R C L O S I N G

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W H A T I S A H U D ? U N D E R S T A N D I N G T H E A G E N C I E S

D E P A R T M E N T O F H O U S I N G A N D

U R B A N D E V E L O P M E N T ( H U D )

HUD is a department of the govern-

ment with it’s roots in the housing

act of 1937. In 1965 HUD gained

cabinet level agency status and

have been working ever since to

improve housing in America.

The mission of HUD is to increase

home ownership, community devel-

opment, and access to affordable

housing.

To do this, HUD works with federal

and local government agencies,

community organizations as well as

faith based organizations to help

affect the housing market in a posi-

tive way. They provide programs

and initiative to ensure that housing

is fair, and affordable in America.

HUD recently released their new

strategic plan for 2006-2011. In

the report they outlined their plans

to increase home ownership, pro-

mote decent affordable housing,

and strengthen communities.

HUD strategically places public-

sector dollars in the form of mort-

gage insurance, grants, loans and

subsidies to try to accomplish these

goals. They also help regulate hous-

ing transactions to ensure that all

housing is available on an equal

opportunity basis. HUD also works

to improve the quality and availabil-

ity of rental housing as well.

HUD is a valuable tool in the hous-

ing industry and has served the

American people through it’s contin-

ued effort to steer the market in a

positive direction.

W H A T I S A M U D ?

A MUD is a municipal utility

district. Much different than

a HUD, a MUD is an organiza-

tion that provides utility ser-

vices such as water waste

water, trash management as

well as maintenance for pub-

lic areas.

They are formed for smaller

communities so that they can

get water publicly without

depending on wells or septic

tanks.

In addition to water and trash

services, MUD’s can provide

a number of other services to

their community such as

creating and maintaining

public facilities and parks.

MUDs are managed by a

publicly appointed board

which makes all decisions

relating to policy in a commu-

nity oriented and services

within the MUD district.

MUDs are designed to repre-

sent smaller communities so

that they are able to meet the

individual needs of a

neighborhood or district.

MUD?

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

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Y U P D A T E M A Y 2 0 1 0

I N S P E C T I O N T I P S I S T H E H O M E S I C K ?


J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

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Y U P D A T E M A Y 2 0 1 0

Service Conventional

Loan

VA Loan FHA ASSUMP

Amortization Schedule 20 20

Appraisal 350+ 350+ 350+

Assumption Fee Per Lender

Attorney’s Fee 200+ 200† 200+

Credit Report 65+ 65+ 65+

Discount Points Negotiable Negotiable

Escrow Fee 150 150 150 150

Home Owners Association Dues Prorated Prorated Prorated Prorated

Inspection Fee Per Lender 0 Per Lender

Insurance 1 year 1 year 1 year Prorated

Lender Required Reserve Per Lender Per Lender Per Lender Prorated

Messenger Fee Actual 50† Actual Actual

Mortgagee’s Title Policy 100+ 100+ 100+

Origination Fee Per Lender Per Lender Per Lender

Recording fee Actual Actual Actual Actual

Survey 400+ 400+ 400+

Tax Service Fee 100+

Termite Inspection 75+ 75+ 75+

Underwriting Fee 350+

VA Funding Fee Per Lender

Warehouse Fee Per Lender

Processing Fee 300+

Flood Certificate 20+ 20+ 20+

B U Y E R ’ S C L O S I N G C O S T A V O I D S U R P R I S E S

All figures are estimates and are subject to change. This might not represent all fee’s associated with the closing depending on the contract, lender and title company.

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H O M E B U Y E R T A X C R E D I T

A R E Y O U A F I R S T - T I M E H O M E

The First-Time Homebuyer tax credit

deadline has been extended to April

30, 2010. This was one of the key

provisions in the American Recovery

and Reinvestment Act signed by

President Obama in February of

2009.

The bill provides for a tax credit up to

$8,000 qualified first-time home buy-

ers until April 30, 2010. Hence, any

buyer who signed a written, binding

contract by this date and close before

July 1st, 2010 can apply for this tax

credit.

Also, the current home buyers can be

granted up to $6,500 for purchasing

a new or existing

home between No-

vember 7, 2009 and

April 30, 2010.

Surprisingly, many

home buyers were unaware of this

bill, and as the deadline was ap-

proaching, many were asking if there

will be any further extensions to this

bill.

There are some exceptions to this

deadline for certain groups who can

claim the credit into 2011. For exam-

ple, members of the Armed Forces

and certain federal employees serving

outside U.S., has an extra year to buy

a property in U.S. and still qualify for

this credit.

For most other people living in U.S.

who have missed this opportunity,

there may be some hope remaining.

With the constant decline of the hous-

ing market despite the tax credit ex-

tensions, it is undoubtedly the worst

recession for the real estate market

since the 1930s. Hence, many are

expecting another tax credit extension

at least to end of this year.

F R E Q U E N T L Y A S K E D Q U E S T I O N S

Q. Can you still qualify if you close after April 30, 2010?

A. Yes, as long as there is a written, binding contract is in

effect as of April 30, 2010.

Q. Who qualifies?

A. 1. First-time home buyers who purchased a home

between November 7, 2009 and April 30, 2010

2. Current home owners purchasing a home between

November 7, 2009 and April 30, 2010, who have used the

home being sold or vacated as a principal residence for

five consecutive years within the last eight.

Q. Which properties are eligible?

A. Homebuyer tax credit applies to primary residences such

as single-family homes, condos, townhomes, and co-ops.

Q. How is the credit amount determined?

A. Home Price($800,000 or less) and Buyer’s Income (single

-$125,000; couple-$225,000)

Q. If your income exceeds these, can you still qualify?

A. Yes, but the amount decreases. Maximum qualifying in-

comes are as follows: single-$145,000; couple-$245,000.

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Y U P D A T E M A Y 2 0 1 0

C L O S I N G T E R M S A - N L E A R N T H E L I N G O

C L O S I N G T E R M S

Fitting together the pieces.

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

Amortization Schedule Fee buyer pays to lender to originate a new loan. Normally one

percent of loan amount.

Owner’s Title Policy Insures buyer against loss due to any defect of the title not expected

to or excluded from the policy.

Appraisal Fee Fee for lender required appraisal to establish property value.

Administrative Fee Fee charged to process the loan for approval.

Assumption Fee Fee assessed by the lender to the buyer to assume the seller’s

existing loan.

Attorney’s Fee Charge for preparation of the release of lien document when seller is

paying off existing loan.

Commission Fee generally paid by seller to real estate agents for sale of property.

Credit Report Fee assessed by lender for required credit information from credit

bureaus.

Discount Points Points lender charges to increase the investor’s yeald. May be paid by

either the buyer and/or seller as negotiated per contract. Points

fluctuate with mortgage.

Escrow Balance Buyers purchase of seller’s existing reserve account, i.e. taxes and

insurance.

Flood Certificate Required by lender to obtain information designating status of subject

property regarding floodplains.

Home Warranty Fee One-year home systems and appliance warranty.

Homeowner’s Assoc. Fee Maintenance fee assessed property owners within a condo or townhouse

complex, a planned unit or a single-family residence subdivision.

Insurance Premium paid year in advance for buyers hazard or homeowner’s policy.

Lender Inspection Fee As required by lender to determine condition of property.

Lender Required Reserve Money required by lender, collected at closing, going to its escrow account.

Messenger Fee Covers delivery charges incurred.

Mortgagee’s Title Policy Required by lender to insure that lender has a valid lien; does not protect

buyer. It is also usually required for second mortgages and seller financed

transaction.

C L O S I N G T E R M S

Origination Fee Fee buyer pays to lender to originate a new loan. Normally one

percent of loan amount.

Owner’s Title Policy Insures buyer against loss due to any defect of the title not ex-

pected to or excluded from the policy.

Origination Fee Fee buyer pays to lender to originate a new loan.

Normally one percent of loan amount.

Owner’s Title Policy Insures buyer against loss due to any defect of the title not

expected to or excluded from the policy.

Pay Off Amount needed to pay off existing mortgage lien on property

being sold.

Processing Fee Charge to process loan for application submittal to

underwriting.

Recording Fee Charge by county clerk to record documents in the public

records. Charges based on per page recorded.

Repairs Any repairs required by lender and/or warranted

by inspections and to be paid at closing.

Settlement or Closing Fee Charge by title company to service transaction and to escrow

money and documents.

Survey Land survey required by lender: lot size, easements,

encroachments, locations of improvements, etc. May be a

negotiated requirement on a cash contract.

Tax Certificates Issued by taxing authorities to show amount of current year’s

taxes and the last date that taxes were paid.

Tax Proration Seller pays buyer from January 1 through day of closing.

Tax Service Fee Fee required by lender for collection and disbursement of tax

escrow by a serving company.

Termite Inspection Fee Required by lender showing free of active termites. May be

negotiated requirement on cash contract.

Underwriting Fee Fee lender charges for underwriting the loans on behalf of

the investor.

VA Funding Fee An administrative fee charged by the Veterans Administration.

Wire/Funding Fee Lender’s charge for sending ―good funds‖ to the title company.

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C L O S I N G T E R M S O - Z L E A R N T H E L I N G O

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

Title insurance is a very impor-

tant aspect to closing on your

home. It insures against any

problems that might arise

from the title search of your

prospective property.

Title insurance protects you

from losses that could arise

due to any problems relating

to the title of your property.

Problems that can arise with

your title include: forged docu-

ments, undisclosed heirs to

property, mistaken interpreta-

tions of wills or trusts, misfiled

documents, confusion of simi-

larly spelled names, incorrect

marital status, and mental

incompetence.

You’ve come this far in your

home search, why risk any of

these things affecting your

property now or in the future?

Your property more than likely

has been bought and sold

numerous times up to this

point. The link of sales over

time can begin to get thin, and

any weakness in the chain

could cause you major prob-

lems in the future.

Your title insurance should

cover any claims or legal fee’s

associated with fixing any

discrepancy on your title. The

policy protects anything that

occurred before the policy is

issued. This means that if 60

years ago, someone forged a

document to transfer title, you

will not have to incur any ex-

pense in resolving the issue.

Title insurance is simply a

good bet. It is something that

could come in very useful in

the future.

W H A T I S T I T L E I N S U R A N C E

Don’t let your title turn out like

this.

Home owners insurance is one of the most important purchases

that you will make for your new home. As with most things in life,

the more you know, the better off you will be.

Before choosing a policy,

take a moment to explore

the options available.

Most home owners poli-

cies protect four areas of

damage: your home’s

structure, your belong-

ings, liability for damage

caused by you or your

home, and coverage in-

case you are unable to

live in your home due to damage.

Standard policies include damage for hail, wind, fire, lightning,

explosions, theft, vandalism, and falling objects. Double check

your policy to make sure all of your desired protection is covered.

Disasters not usually covered include flood, earthquake, and

maintenance related issues. You will need to purchase separate

flood and/or earthquake coverage. These items are not included

in standard policies due to their frequent use. For this reason you

are at even greater risk for these things and will want to make

sure you are adequately insured.

Also, when purchasing home owners insurance, make sure your

belongings are insured. Most policies allow for 50%-70% of the

amount insured. Do an inventory on your home and make sure

that this amount will be adequate to compensate for all of your

belongings.

For most people their home is one of their main assets. Make

sure your home and your investment are well protected.

U N D E R S T A N D I N G Y O U R H O M E O W N E R S I N S U R A N C E

Don’t get caught with your shoes off.

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A D D I T I O N A L I N S U R A N C E D O N ’ T F O R G E T

Flood insurance might be one of the most

valuable forms of protection you get.

There is a reason that it is not included in

standard home owners insurance poli-

cies.

This reason is it’s frequent use. Floods

can happen in the most unlikely of areas

at any time. Just because you do not live

next to a creek bed or

river does not mean

that you are not at risk.

The entire Central

Texas region is subject

to periodic floods for a

number of weather and

terrain conditions.

According to Flood

Smart, the federal

agency for flood disas-

ter relief, every one

lives in a flood zone,

and floods and flash

floods can happen in all 50 states. Visit

their website at www.floodsmart.gov to

learn more information as well as deter-

mine your flood risk.

Flood insurance will cover structural dam-

age, furnace, water heater and air condi-

tioner damage, debris clean up, and floor

surfaces such as carpeting and tile.

You can also buy additional coverage to

insure your furniture, personal items,

collectables, and artwork.

If you live in a high risk zone, it might be

required by your lender to have a flood

insurance policy. You will want to check

with your insurer to make sure all of the

risks that you would like covered are cov-

ered.

Don’t count on government aid if a disas-

ter strikes—make sure your home and

your family are protected. A flood can

have a devastating impact if you are not

protected.

Llano River flood picture taken Novermber 4, 2004

F L O O D I N S U R A N C E

While earthquakes are rare in Central

Texas, we feel that in order to help our

buyers be as well informed as possible

that we would need to touch on the sub-

ject.

Earthquake insurance is considered a

catastrophe insurance. It covers major

damage caused or resulting from an

earthquake. It does not, however, cover

any floods or tidal waves resulting from an

earthquake.

It is normally sold with a deductable of

10% to 15% of the policy value. It pro-

tects against mudslides, settlement, mud-

flow, and the rising and sinking of the

earth may be covered if it was caused by

an earthquake.

It is a good idea to research your risk fac-

tor to determine if earthquake insurance

will be a good investment. Keep these

things in mind if you ever relocate to any

other area of the country.

E A R T H Q U A K E I N S U R A N C E

J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

http://www.floodsafe.gov

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J O A R E A L T Y

Joa Realty

www.JoaRealty.com


Phone 512.480.8384

eFax 512.428.8119

800 Newman Drive

Austin, TX 78703

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H E L P F U L R E S O U R C E S N A M E S A N D N U M B E R S

Name Web Address Phone Number

ABIA International Airport www.ci.austin.tx.us/austinairport/default.htm 512-530-2242

Arts Division www.ci.austin.tx.us/redevelopment/cad.htm 512-974-9315

Austin Chamber of Commerce www.austin-chamber.com 512-478-9383

Austin City Connection http://www.ci.austin.tx.us/ 512-974-2000

Austin Energy www.austinenergy.com 512-494-9400

Austin History Center www.ci.austin.tx.us/library/ahc/ 512-974-7480

Austin Police Non-Emergency www.ci.austin.tx.us/police/default.htm 311

Austin on About.com http://austin.about.com/

Austin Police Department www.ci.austin.tx.us/police/default.htm 512-974-5000

Barton Springs Edwards Aquifer www.ci.austin.tx.us/watershed/groundwater.htm 512-974-2550

Bat's Hotline http://www.io.com/house/bats1.html 512-416-5700

Bulk Trash Pickup N/A 512-494-9400

Capitol Metro www.capmetro.org 512-474-1200

Carver Museum http://www.ci.austin.tx.us/carver/ 512-974-4926

Central Texas Clean Cities http://www.ci.austin.tx.us/cleancities/ 512-974-3550

City Search Austin www.austin.citysearch.com

Connect Utilities Online www.connectutilities.com/index.pl

Crime Stoppers www.austincrimestoppers.org 512-452-5223

Employment Service http://www.ci.austin.tx.us/jobapp/cityjobs.cfm 512-974-3210

Fire Department http://www.ci.austin.tx.us/fire/ 512-974-0130

Flood Safe www.floodsmart.gov

Interesting Facts http://www.io.com/~xeke/funfacts.htm

Joa Realty www.JoaRealty.com 512-480-8384

Nature and Science Center http://www.ci.austin.tx.us/ansc/default.htm 512-327-8181

Parks and Recreation Department www.ci.austin.tx.us/parks/default.htm 512-974-6700

Relocation Services www.relocationessentials.com

Seton Network of Hospitals www.seton.net 512-324-7000

Sex Offender Registry www.records.txdps.state.tx.us/soSearch/

default.cfm

512-424-2000

St. David's Hospitals http://www.stdavids.com/ 512-901-1000

Temporary Traffic Control N/A 512-974-7255

http://www.ci.austin.tx.us/austinairport/default.htm

http://www.ci.austin.tx.us/redevelopment/cad.htm

http://www.austin-chamber.com

http://www.ci.austin.tx.us/

http://www.austinenergy.com

http://www.ci.austin.tx.us/library/ahc/

http://www.ci.austin.tx.us/police/default.htm

http://austin.about.com/

http://www.ci.austin.tx.us/police/default.htm

http://www.ci.austin.tx.us/watershed/groundwater.htm

http://www.io.com/house/bats1.html

http://www.capmetro.org/

http://www.ci.austin.tx.us/carver/

http://www.ci.austin.tx.us/cleancities/

http://Www.austin.citysearch.com

http://www.connectutilities.com/index.pl

http://www.austincrimestoppers.org

http://www.ci.austin.tx.us/jobapp/cityjobs.cfm

http://www.ci.austin.tx.us/fire/

http://www.floodsafe.gov

http://www.io.com/~xeke/funfacts.htm

http://Www.JoaRealty.com

http://www.ci.austin.tx.us/ansc/default.htm

http://www.ci.austin.tx.us/parks/default.htm

http://Www.relocationessentials.com

http://Www.seton.net

https://records.txdps.state.tx.us/soSearch/default.cfm

https://records.txdps.state.tx.us/soSearch/default.cfm

http://www.stdavids.com/

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School District Website Phone Number

Austin ISD www.austinisd.org 512-414-1700

Bastrop ISD www.bastrop.isd.tenet.edu 512-321-2292

Del Valle ISD delvalle.tx.schoolwebpages.com/ 512-386-3000

Dripping Springs ISD http://www.dsisd.txed.net 512-858-3000

Eanes ISD www.eanes.k12.tx.us 512-732-9000

Elgin ISD www.elginisd.net 512-281-3434

Florence ISD florence.tx.schoolwebpages.com/ 254-793-2850

Georgetown ISD www.georgetownisd.org 512-943-5000

Hays ISD www.hayscisd.net 512-268-2141

Jarrell ISD www.jarrellisd.org 512-746-2124

Lago Vista ISD www.lagovista.txed.net 512-267-8300

Lake Travis ISD www.laketravis.txed.net 512-533-6000

Leander ISD www.leanderisd.org 512-570-0000

Liberty Hill ISD www.libertyhill.txed.net 512-260-5580

Lockhart ISD www.lockhartisd.org 512-398-0000

Manor ISD www.manorisd.net 512-278-4000

Marble Falls ISD www.mfisd.txed.net 830-693-4357

Pflugerville ISD www.pflugervilleisd.net 512-594-0000

Round Rock ISD www.roundrockisd.org 512-464-5000

San Marcos ISD www.smcisd.net 512-393-6700

Taylor ISD www.taylorisd.org 512-365-1391

Wimberly ISD www.wimberley.txed.net 512-847-2414

Texas Education Agency http://www.tea.state.tx.us/ 512-463-9734

http://www.austinisd.org

http://www.bastrop.isd.tenet.edu

http://delvalle.tx.schoolwebpages.com/

http://www.dsisd.txed.net

http://www.eanes.k12.tx.us

http://www.elginisd.net

http://florence.tx.schoolwebpages.com/

http://www.georgetownisd.org

http://www.hayscisd.net

http://www.jarrellisd.org/

http://www.lagovista.txed.net

http://www.laketravis.txed.net

http://www.leanderisd.org

http://www.libertyhill.txed.net

http://www.lockhartisd.org

http://www.manorisd.net

http://www.mfisd.txed.net

http://www.pflugervilleisd.net

http://www.roundrockisd.org

http://www.smcisd.net

http://www.taylorisd.org

http://www.wimberley.txed.net/

http://www.tea.state.tx.us/

County Jurisdiction

Bastrop County 0.4992

County Road 0.1200

Total County 0.6192

Cities/Villages

City of Bastrop 0.5540

City of Elgin 0.7776

City of Smithville 0.4785

Emergency Services/Special

Emergency Service District #1 0.0900

Emergency Service District #2 0.0994

Bastrop-Travis ESD 0.1000

Special Road #3 0.2906

School Districts

ISD-Bastrop 1.4810

ISD-Elgin 1.5400

ISD-McDade 1.1099

ISD-Smithville 1.2500

MUD’s/WCID’s

The Colony MUD#1 IE 1.0000

The Colony MUD#2 IF 1.0000

WCID #3 0.5000

WCID #3-Defined Area 0.5000

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County Jurisdiction

Comal County 0.262855

County of Comal LTR.FL 0.050100

Total County 0.312955

Cities/Villages

City of Bulverde 0.146900

City of Graden Ridge 0.254808

City of New Braunfels Coll by Comal CO

0.409862


Emergency Services District #1 0.062412







School Districts

ISD-Comal 1.310000

ISD-New Braunfels Coll by Comal CO

1.339100

MUD’s/WCID’s

Rebecca Creek MUD 0.830000

York Creek Improvement DIST

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County Jurisdiction

Hays County 0.4248

Cities/Villages

City of Buda 0.2567

City of Dripping Springs 0.1100

City of Hays 0.1160

City of Kyle 0.4153

City of Mountain City 0.1100

City of Neiderwald 0.3000

City of San Marcos 0.5302

City of Uhland 0.1700

City of Woodcreek 0.1305

City of Bear Creek 0.0920


Caldwell Hays ESD #1 0.1000

North Hays Co. ESD #1 0.0258

Northeast Hays Co. ESD #2 0.0300

Hays Co. ESD #8 0.1000

Hays Co. ESD #5 0.0953

Northwest Hays Co. ESD #6 0.0795

South Hays ESD #3 0.1000

Wimberley Hays County ESD #7 0.0610

Wimberley Fire Hays Co ESD #4 0.0350

School Districts

ISD-Dripping Springs 1.4900

ISD-Hays Consolidated 1.4613

ISD-San Marcos 1.3500

ISD-Wimberley 1.2327

MUD’s/WCID’s

Greenhawe WCID #2 0.8506

Hays Co. MUD #4 0.8500

Hays Co. MUD #5 0.9000

Hays Co. WCID #1 0.8750

Hays Co. WCID #2 0.8750

North Hays Co MUD #1 0.9000

Plum Creek Conservation 0.0195

Plum Creek Underground Water 0.0195

South Buda WCID #1 0.9000

Sunfield MUD #1,2,3,4 0.9000

York Creek Improvement 0.0038

H A Y S C O U N T Y

County Jurisdiction

Travis County 0.465800

Cities/Villages

City of Austin 0.457100

City of Bee Cave 0.020000

City of Cedar Park 0.493501

City of Jonestown 0.560000

City of Lago Vista 0.620000

City of Lakeway 0.199600

City of Manor 0.802600

City of Mustang Ridge 0.337100

City of Pflugerville 0.604000

City of Rollingwood 0.134800

City of Westlake Hills 0.053400

Village of Briarcliff 0.096200

Village of Point Venture 0.090000

Village of San Leanna 0.249800

Village of The Hills 0.036000

Village of Volente 0.128600

Village of Webberville 0.302500


Travis Co ESD #1 0.100000














School Districts

Austin Community College Dist 0.095100

ISD-Austin 1.227000

ISD-Coupland 1.040050

ISD-Del Valle 1.530000

ISD-Eanes 1.202500

ISD-Lago Vista 1.180000

ISD-Lake Travis 1.315900

ISD-Leander 1.454800

ISD-Manor 1.515000

ISD-Pflugerville 1.460000

MUD’s/WCID’s

Anderson Mill Limited Dist 0.130000

Bella Vista MUD 0.504200

Belvedere MUD 0.450000

Cottonwood Creek Mud 0.950000

Cypress Ranch WCID #1 0.900000

Hurst Creek MUD 0.449000

Kelly Lane WCID #1 0.950000

Kelly Lane WCID #2 0.950000

Lakeside MUD #3 0.900000

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Lakeside WCID #1 0.900000

Lakeside WCID #2A 0.970000

Lakeside WCID #2B 0.970000

Lakeside WCID #2C 0.970000

Lakeside WCID #2D 0.970000

Lakeway MUD 0.205200

Lost Creek MUD 0.171100

Moores Crossing MUD 0.910000

NE Travis County Utility District 0.899300

Northtown MUD 0.750000

Northwest Travis Co Rd. Dist. #3 0.145000

Presidential Glen MUD 0.501900

Ranch @ Cypress Creek MUD #1 0.706500

River Place MUD 0.335000

Senna Hills MUD 0.577400

Shady Hollow MUD 0.050000

Sunfield MUD #1 0.900000

Tanglewood Forest Limited District 0.203000

Travis County Bee Cave Rd Dist #1 0.890000

Travis County Healthcare District 0.071900

Travis Co MUD #2 0.970000












WCID #10 0.026000

WCID #17 0.060000

WCID #17 (Flintrock Ranch Estates) 0.422900

WCID #17 (Steiner Ranch) 0.524800

WCID #18 0.208100

WCID #19 0.260000

WCID #20 0.320000

WCID Point Venture 0.361300

Wells Branch MUD 0.470000

West Travis Cnty MUD #3 0.250000




Wilbarger Creek MUD #1 0.950000

Wilbarger Creek MUD #2 0.950000

WMSN Co WSID Dist #3 0.815000

WMSON & Travis CNTY MUD #1 0.664000

WMSON & Travis CNTY WCID #1D 0.421000

WMSON & Travis CNTY WCID #1F 0.900000

WMSON & Travis CNTY WCID #1G 0.575800

County Jurisdiction

Williamson County 0.459999

Cities/Villages

City of Cedar Park 0.493501

City of Florence 0.636019

City of Georgetown 0.356220

Coty of Granger 0.888817

City of Hutto 0.507580

City of Jarrell 0.377100

City of Leander 0.650420

City of Libertyhill 0.353888

City of Round Rock 0.417280

City of Taylor 0.813893

City Of Thrall 0.500000

City of Weir 0.265339


Williamson County ESD #1 0.100000










School Districts

Austin Community College 0.095100

ISD Coupland 1.040050

ISD Florence 1.280000

ISD Georgetown 1.290000

ISD Granger 1.105000

ISD Hutto 1.535000

ISD Jarrell 1.390000

ISD Leander 1.454800

ISD Liberty Hill 1.260000

ISD Round Rock 1.380000

ISD Taylor 1.470000

ISD Thrall 1.194000

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MUD’s/WCID’s

Avery Ranch Road MUD 0.144480

Anderson Mill MUD 0.130000

Blockhouse MUD 0.846000

Brushy Creek MUD 0.500000

Donahoe Creek Watershed 0.020000

Fern Bluff MUD 0.509500

Georgetown Village PID 0.200000

Lakeside WCID #2A 0.970000

Lakeside WCID #3 0.900000

Meadows at Chandler Creek MUD 0.420000

Paloma Lakes MUD #1 0.950000

Paloma Lakes MUD #2 0.950000

Parkside at Mayfield Ranch MUD 0.950000

Ranch at Cypress Creek MUD 0.706500

Sonterra MUD 0.773300

Springwoods MUD 0.455000

Stonewall Ranch MUD 0.950000

Upper Brushy Creek WCID 0.020000

Walsh Ranch MUD 0.650000

Wells Branch MUD 0.470000

WMSN-TRAV WCID #1D 0.664000

Williamson CNTY WSID #3 0.799900

Williamson CNTY MUD #9 Vista Oaks 0.740000

Williamson CNTY MUD #10 Terravista 0.850000

Williamson CNTY MUD #11 Terravista 0.900000

Williamson CNTY MUD #12 Rancho Sienna 0.850000

Williamson CNTY MUD #13 Summerlynn 0.850000

Williamson CNTY MUD #15 0.900000

Williamson/Travis MUD #1 0.714000

Williamson CNTY RFM 0.030000

Williamson Co ESD #1-7, 9-10 0.100000

Williamson Co ESD #4 0.099400

Williamson Co ESD #8 0.091795

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