Blogging Oklahoma City

Homes For Rent 11/25/08

Tammy Carpenter (Home Team Realty, llc) — Tue, 25 Nov 2008 14:22:24 -0600

HOME TEAM REALTY,LLC

RENTAL LIST

11/25/08

To schedule a showing, call Tammy (405) 670-1600

No cats allowed in any property, if a pet is allowed it is limited to a dog under 40# and a non-refundable pet fee is applicable.

Address: 201 Woodman Lease amount: $650.00 Sect. 8: Yes

City: Midwest City Schools: Mid-Del Bedrooms: 3 Bathrooms: 2

Garage: n/a Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove, dishwasher, refrigerator

Date Available: now Security Deposit: $500 Pets: No

Non-refundable pet fee: N/A

Directions: Reno & Midwest Blvd east to Woodman north to property

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Address: 6203 SE 47th Lease amount: $475.00 Sect. 8: Yes

City: Oklahoma City Schools: Mid-Del Bedrooms: 2 Bathrooms: 2

Garage: 0 Fireplace: yes Heat type: cent electric

Cooling type: cent electric

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: not allowed

Non-refundable pet fee: N/A

Directions: S.E. 48^th and Sooner east to Springcreek north to SE 47^th to property

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Address: 4801 Creekwood Lease amount: $725.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 2

Garage: 2 Fireplace: yes Heat type: cent gas

Cooling type: cent electric

Appliances: stove,

Date Available: 12/31/08 Security Deposit: $400 Pets: No

Non-refundable pet fee: N/A

Directions: SE 44^th and Bryant south to Oakcliff drive east to Creekwood left to property

Two living areas

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Address: 205 Windsor Way Lease amount: $450.00 Sect. 8: Yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 2

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: cent elec

Appliances: stove, dishwasher

Date Available: now Security Deposit: $400 Pets: yes

Non-refundable pet fee: 4200

Directions: Duplex-- Ne 10^th & Air Depot North to Cambridge east to Windsor Way right to property

Address: 1213 Christine Lease amount: $600.00 Sect. 8: yes

City: Midwest City Schools: OKC Bedrooms: 3 Bathrooms: 1

Garage: 1 Fireplace: no Heat type: cent gas

Cooling type: window unit

Appliances: stove new carpet, fresh paint

Date Available: now Security Deposit: $400 Pets: no

Non-refundable pet fee: N/A

Directions: NE 10^th & Douglas east to Christine north to property

Address: 5300 Creekwood Lease amount: $650.00 Sect. 8: Yes

City: Oklahoma City Schools: OKC Bedrooms: 3 Bathrooms: 1.5

Garage: 2 Fireplace: no Heat type: Cent gas

Cooling type: cent elec

Appliances: stove

Date Available: 11/1/08 Security Deposit: $400 Pets: yes

Non-refundable pet fee: $200

Directions: SE 44^th & Bryant south to Oakcliff east to Creekwood right to property

Address: 725 Eckroat Lease amount: $550.00 Sect. 8: No

City: __OKC_____ Schools: _Crooked Oak Bedrooms: 2 Bathrooms: _1.5_

Garage: 2_ Fireplace: yes__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove, dishwasher__

Date Available: __now_ Security Deposit: _$400 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 15^th and Bryant west to Grand north to SE 8^th east to property_______________________________________

Address: ___401 S Grand Lease amount: __$650.00_ Sect. 8:__no

City: __OKC_____ Schools: _Crooked Oak Bedrooms: 3 Bathrooms: _1

Garage: 2_ Fireplace: no__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove, dishwasher__

Date Available: __now_ Security Deposit: _$600 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 15^th and Bryant west to Grand north to property_______________________________________

Address: ___3017 SE 57th_________Lease amount: __$775.00_ Sect. 8:__yes

City: _Oklahoma City_____ Schools: _OKC Bedrooms: 4 Bathrooms: _2_

Garage: 0_ Fireplace: yes__ Heat type: Cent gas__

Cooling type: _Central___

Appliances: _stove,__

Date Available: __now_ Security Deposit: _$400 Pets: _No_

Non-refundable pet fee: n/a__

Directions: SE 59^th & Bryant north to SE 57^th east to property_____

2 living areas

SOLD AND CLOSED IN 33 DAYS

Tammy Carpenter (Home Team Realty, llc) — Wed, 03 Sep 2008 11:03:07 -0500

3609 SE 24th, Del City, OK

SOLD AND CLOSED IN 33 DAYS

Who says the market is slow in Oklahoma?

This newly remodeled home in Del City sold and closed within 33 days of it's lisitng. I'm a firm believer a property in good condition and priced within the market will sell. If you would like to know the marketability of your home, give me a call at (405)202-3690.

Tammy Carpenter

FHA...the time to act is now!

Tammy Carpenter (Home Team Realty, llc) — Wed, 03 Sep 2008 10:44:14 -0500

Via Larry Bettag Illinois FHA Specialist:

FHA mortgages are the best thing out there. Now representing over 40% of the market in this economy, this once dinasour of a program that was thought to be near extinction is now the buzz for most home buyers. What does FHA give you as a homebuyer?

1) The loan is assumable. If you want to, when you sell your home, you can get your mortgage to be assumed by future homebuyers. If rates climb to 9% and the rate your in is 6.5%, you can have your mortgage be assumed by a future homebuyer;

2) Gifts are still allowed for downpayments. No other program is as agressive in getting buyers into loans. Conventional loans require a minimum of 3% of the buyer's own funds to be invested into the purchase. No so with FHA. FHA allows gifts for the entire downpayment.

3) Downpayment Assistance, albeit for the time being short lived, can still be used to puchase a home. In other words, a non for profit downpayment assistance company can get you in the home by providing for your entire downpayment;

4) Non-occupant co-borrowers - are allowed. The primary borrower doesn't even need to qualify by their own merits. I see this a lot for parents who want to buy a home and have their college child live in it during their schooling;

5) Non-traditional credit. FHA has a manual called the 4155. The 4155 specifically says "the lack of credit is not sufficient reason to deny a borrower." That means that even if you don't have credit you still have the opportunity to buy a home. You'll never find this with a conventional loan;

6) Credit in general - FHA allows for manual underwriting and automated underwriting. That means that if your credit is less than stellar, that, in and of itself will not bar you from obtaining a loan.

7) Appraisals - Appraisals have been streamlined to look more like Fannie Mae and Freddie Mac. What does that mean to you? You won't have all of the headaches that you initially would have in order to get an appraisal approved. A lot less conditions for appraisals;

8) Increased loan limits - FHA has raised the county loan limits nationally. Those of you who thought your loan was too big to refinance....that's not the case anymore. With expanded loan limits, this just might be perfect. Plus FHA is more agressive in what they'll permit for cash-out refinances. This is huge!

There are a myriad of other FHA pluses to help you consider buying a home, but if you're looking to buy. The FHA Modernization Act has brought FHA back to the forefront. Call me today to find out more about your homebuying options.

DEL CITY'S CITY WIDE GARAGE SALE

Tammy Carpenter (Home Team Realty, llc) — Wed, 03 Sep 2008 10:19:14 -0500

CITY OF DEL CITY

CITY WIDE GARAGE SALE

SEPTEMBER 5- 6- 7, 2008

The city of Del City is hosting a City Wide garage sale the first weekend of September. There will be no charge for the permits.

Pick up your free permit at

City of Del City

4517 SE 29^th, Del City, OK

For more information call (405)677-5741

FHA Financing Changes...

Tammy Carpenter (Home Team Realty, llc) — Fri, 29 Aug 2008 10:14:24 -0500

I found this post very informative and want to share it with you.

Via Ken Pederson, Certified Mortgage Planner:

FHA financing is undergoing some changes as a result of the "Housing and Economic Recovery Act" or HERA. Here are a few of the major changes.

*No more seller-funded Down Payment Assitance programs. Grants and gift money is still OK.
*Buyer contributions will be increased from 3% to 3.5%
*The recent credit-score driven mortgage insurance costs are being postponed.
*For most FHA home purchases and refinances, there is a small bump from 1.5% to 1.75% for the Upfront Premium that is financed and the monthly renewal cost is increasing from .50% to .55%. This is a minor change that won't alter qualifying or anyones ability to qualify for a home.

FHA home financing has dramtically increased their market share of loans due to the HUGE tightening changes that conventional (FNMA and FHLMC) and private mortgage insurance companies have initiated over the past 10 months. FHA is flexible, has more credit score flexibility and more down payment options and similar and even sometimes lower interest rates.
Primary benefits of FHA:
*6% seller concession is allowed
*3.5% buyer contribution may be gifted to the buyer
*Non-occupying co-borrowers are allowed to help with qualifying
*FHA says they have no minimum credit score, but most investors have their own limitations, often in the 580 range.
*1-4 unit properties, owner-occupied only, may be purchased with small down payment

Luckily for me, FAIRWAY Independent Mortgage is a fully approved FHA Lender which gives us many advantages over mortgage brokers that are not approved FHA lenders or acting as a broker. Be safe, work with a fully approved FHA lender and mortgage banker.

PA's Best Lender
Ken Pederson
Certified Mortgage Planner, CMPS
717-431-9299

DEL CREST SOFTBALL SCHEDULE

Tammy Carpenter (Home Team Realty, llc) — Fri, 29 Aug 2008 09:52:33 -0500

Date	Day	Falcon Softball Opponent	Place	Time
Postponed	Thursday	Choctaw	Home	4:00
Cancelled	Friday	Tounament	Carl Albert	TBA
Cancelled	Saturday	Tounament	Carl Albert	TBA
8/26/2008	Tuesday	Kerr	Away	4:00
Postponed	Thursday	Carl Albert	Home	4:00
9/2/2008	Tuesday	Nicoma Park	Home	4:00
9/4/2008	Thursday	Jarman (DH)	Away	4:00
9/9/2008	Tuesday	Kerr	Away	4:00
9/11/2008	Thursday	Carl Albert (DH)	Away	4:00
9/16/2008	Tuesday	Monroney (DH)	Away	4:00
9/18/2008	Thursday	Choctaw (DH)	Away	4:00
9/29/2008	Monday	Nicoma Park	Away	4:00

Last updated: Aug 26 2008 01:14:35 pm CST

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