realtors: Duck or Eagle - 07/31/13 12:10 PM
Great Service is a Choice!  Will you be a Duck or an Eagle?
No one can make you serve customers well. That's because great service is a choice. Years ago, my friend, Harvey Mackay, told me a wonderful story about a cab driver that proved this point. He was waiting in line for a ride at the airport. When a cab pulled up, the first thing Harvey noticed was that the taxi was polished to a bright shine. Smartly dressed in a white shirt, black tie, and freshly pressed black slacks, the cab driver jumped out and rounded the car to … (0 comments)

realtors: Hire a Humble TX Realtor - 07/23/13 12:29 PM
Hire a Humble TX Realtor!!
 
Did you read this article?
 
Why buying a home is more complicated than buying a car, and how you can make it easier
Article By:  Marty Kramer | Consumer columnist
 
A friend of mine once commented that a person can walk into an auto dealership and drive away in a $100,000 car a few hours later. So why, he wanted to know, does it take so long to purchase a home?
Here’s why
You don’t need to hire a surveyor to measure a car to find out if the neighbor’s fence encroaches on your … (0 comments)

realtors: Foreclosure Judicial v. Non-judicial - 05/28/12 10:36 AM
I got this question the other day.
"Hey, can you answer this question for me? How are judicial foreclosures slowing the recovery down?” Here is the deal. The housing market has continued to show slow signs that it is strengthening for some states. It all depends on whether or not the state is a non-judicial foreclosure state or a judicial foreclosure state. Let’s briefly go over what the difference between a judicial and a non-judicial state. A judicial foreclosure state is one in which the lender has to go through the court system to pursue a foreclosure. In a non-judicial foreclosure, … (0 comments)

realtors: Homestead Exemption Just Became More Complex - 09/03/11 02:59 AM
Homestead Exemption in Texas...more complex
The application process for a homestead exemption in Texas is about to grow more complex.  Earlier this year, the Texas Legislature approved new standards of mandatory disclosure for any one of several kinds of homestead exemptions.  Beginning on September 1, 2011, those new rules go into effect.  Prior to September 1, a homestead exemption was relatively easy to obtain; a property owner simply filed an application.  Now, home buyers will have to follow new rules and provide more proof they are eligible for the claimed exemption.
In order to receive a homestead exemption for property tax purposes, applicants must now provide a … (5 comments)

realtors: Housing Market is shrinking - 08/27/11 02:26 PM
Diana Olick says: The housing market is shrinkingThe foreclosure headlines today are that one third of all homesales in Q2 were of distressed properties (foreclosures and shortsales). The discount on those homes from comparablenon-distressed properties was 32 percent. What the headlinesdon't say is that while the percentage of the market that'sdistressed rose from a year ago, from 26 to 31 percent, theactual number of distressed sales fell. The share only went upbecause the number of non-distressed sales fell, leaving thetotal pool smaller.  And there's the biggest problem in housingtoday. Sellers are afraid to put their homes on the market forfear of … (2 comments)

realtors: Texas Housing Trending at 2009 - 08/02/11 05:38 PM
Texas housing market trending at 2009 levels Real estate markets nationwide reported steep drops after thefederal homebuyer tax credit expired last year, but Texas salescontinue to track alongside 2009 levels, according to the TexasQuarterly Housing Report. While the Lone Star State'ssecond-quarter sales fell 12% from a year earlier, Texas' totalsales volume of 58,795 homes was in line with 2009 levels,suggesting the market is maintaining a steady pace with orwithout federal stimulus. "Texas has dominated nationalheadlines for economic strength, which makes it clear therecovery continues in our state," said Jim Gaines, an economistwith the Real Estate Center at Texas A&M University, whichpublishes the … (1 comments)

realtors: 7 out of 10 Renters See Ownership as a Priority - 07/26/11 09:41 PM
Did you see this? NAR - 7 out of 10 renters see ownership as a priority
According to the 2011 National Housing Pulse Survey released today by the National Association of Realtors®, 72% of renters surveyed said owning a home is a top priority for their future, up from 63% in 2010.  Seven in 10 Americans also agreed that buying a home is a good financial decision while almost two-thirds said now is a good time to purchase a home. The annual survey, which measures how affordable housing issues affect consumers, also found that more than three quarters of renters (77%) … (0 comments)

realtors: Are you Ready for 40% Down Payment - 07/13/11 07:38 AM
Riskier Loans Make a Comeback, as Private Firms Take the Field
Anybody ready to have their clients pay a 40% down payment on a home if they have difficulty getting a mortgage loan?  Read the WSJ article if you have not heard this.
http://online.wsj.com/article/SB10001424052702304793504576434221237511868.html?link=SM_spn_re_res#articleTabs%3Darticle
(3 comments)

realtors: Chris McLaughlin wrote-Fannie Mae offers - 07/09/11 03:35 AM
Chris McLaughlin wrote- Fannie Mae offers new financing option "Remember how we all blamed investor/flippers using faultyfinancing for the housing crash? You know, these are all the badguys who ran up home prices to their own profit, with no concernfor the inevitable fallout; they colluded with overzealous,borderline blind, lenders who gave anybody and everybody a loanwith no attention paid to their ability to repay said loan. That's all over now. You can't get a loan without pledging yourfirst born in collateral, and if you're an investor, you ranksomewhere just below Angelo Mozilo. Or do you? Last month FannieMae made a little change … (0 comments)

realtors: AARP says 25% have No Savings - 06/21/11 05:39 PM
Did you see this article from AARP?
25% of retirees have no savingsOne in four Americans age 50 or older said they had exhausted allof their savings during the recession, while 67% at least reducedtheir retirement savings account balances during the previousthree years, according to a report by the AARP Public PolicyInstitute released Tuesday.  More than half, 53%, said they werenot confident that they will have enough money to livecomfortably in retirement.  More than 80% said the economy hadimpacted their retirement plans. During the recession, nearly onethird said their home declined substantially in value and onequarter experienced a job loss.  As … (2 comments)

realtors: Zip Realty in Top 5 - 05/11/11 04:12 PM
In case you did not see this...Zip Realty is in the Top 5!!
Top 25 largest brokerages nationwide
Transaction sides down, sales volume up among Real Trends 500
The 500 largest real estate brokerages in the country completed 6.7 percent fewer transaction sides in 2010 than in 2009, according to rankings from real estate publishing and communications company Real Trends.
Real Trends ranks the country's 500 largest brokerages each year by transaction sides (in every real estate sale there are two transaction "sides": the buyer's side and the seller's side) and closed sales volume.
Transaction sides among the 500 fell to 1.89 … (0 comments)

realtors: Bird Dogs and Today's Market - 04/02/11 03:23 PM
Bird Dog Ratio's and Today's MarketThere is a great deal of interest in becoming a bird dog and with good reason; six-figure income, zero start-up costs and extremely low risk make it a win-win for everyone involved. Unfortunately, a few less than scrupulous real estate guru's have been promoting a bird dog type program that is long on promises and short on results. Now, we adhere to that old rule about "not saying nothing if you don't have anything good to say" so our lips are mum on the offending party. However, in an effort to educate our readers, it is … (1 comments)

realtors: Psalm 23 for the Work Place - 03/08/11 04:35 PM
Psalm 23 for the Work Place
The Lord is my real boss, and I shall not want. He gives me peace, when chaos is all around me. He gently reminds me to pray and do all things without murmuring and complaining.
He reminds me that he is my source and not my job. He restores my sanity everyday and guides my decisions that I might honor him in all that I do.
Even though I face absurd amounts of e-mails, system crashes, unrealistic deadlines, budget cutbacks, gossiping co-workers, discriminating supervisors and an aging body that doesn't cooperate every morning, I still … (4 comments)

realtors: Transactional Funding and Agents - 03/07/11 03:48 PM
Transactional Funding and Agents Transactional funding is a fabulous tool when properly used but many novice investors are surprised to find their real estate agent resistant to the very concept. Upon closer questioning, it's not because of a bad experience much less any type of legal restrictions but rather confusion or even outright ignorance of the very existence of such a mechanism. The reality is that most agents and brokers never encounter transactional funding and are even less informed than most novice investors. Unless you have the good fortune to find an agent that has worked with someone who has used transactional funding … (0 comments)

realtors: Who buys Starter Homes? - 02/24/11 07:21 AM
Who buys Starter Homes?
Only a few short years ago starter homes were scorned by all but the most impoverished home buyer. Why purchase a property in need of improvements when it was possible to buy a sparkling new McMansion with no money down instead? Today all that has changed as investors and first-time buyers, retirees and former homeowners in search of more financial security all compete for affordable dwellings without the high carrying cost.
In fact, starter homes are among the most highly sought after types of real estate on the market today. A recent nationwide survey indicates some major … (0 comments)

realtors: Social Media Ten Commandments - 02/07/11 04:32 AM
 
Ten Commandments of Social Media Marketing in Real Estate
Don't you wish life came with an instruction manual? It would certainly make things a lot more simple.  Of course there is and some follow it.  But did you think there were Ten Commandments for Social Media Marketing?
Well of course, why would this blog be written., the 10 commandments of social media marketing provide a telling outline of what it takes to make the most of your real estate marketing efforts in a connected world.
1. Thou shall not take social media in vain. Ignore it at your own peril but … (10 comments)

realtors: FHA Anti-Flippining Suspended - Humble, TX - 01/24/11 03:16 PM
FHA anti-flipping suspended for another year - Humble TX Investors Good NewsA classic real-estate flip involves the quick resale of a house or condominium at a significantly higher price than the purchaser paid with only cosmetic improvements to the property, if any at all. Sometimes only the contract itself is being signed over to a new buyer at a higher price.  For years the federal government prohibited the use of FHA mortgage financing by buyers purchasing homes from sellers who had owned the property for less than 90 days. The idea was to prevent speculators from defrauding the government through quick … (0 comments)

realtors: Are YOU a Realtor Investor Mentor? Do Realtors need Mentors? - 01/08/11 04:53 PM
Are You a Realtor who will Mentor a Real Estate Investor? Why would a Real Estate Investor refuse a Mentor's help? Why would a Realtor refuse a Mentor's help? A mentor can make a big difference. After all, a mentor is often worth their weight in gold (literally!) thanks to experience, education and expertise. So why don't more people take advantage of all that knowledge?  Find out the top reasons real estate investors and others refuse to use a mentor - and how you can make the most of their mistakes! 1. Fear of Failure - It might seem like common sense to … (5 comments)

realtors: Mortgage Monikers (Humble, Tx) - 12/23/10 11:25 AM
Mortgage Monikers (First blogged by Chris McLaughlin) As lending experts attempt to redefine today's borrowers, the need for new monikers within the mortgage market has resulted in a few less than flattering client categories. Keep reading to find out how the banks really view prospective clients and how real estate pro's can use this information on behalf of homeowners and prospective buyers. Distressed Homeowners - These borrowers are simply broke. Not only are they underwater on a mortgage they cannot afford but they are often deep in debt with credit cards, car loans and even educational expenses. The likelihood of repayment is slim … (0 comments)

realtors: Keys to Running a Smooth Humble TX Short Sale Business - 12/15/10 07:49 AM
Keys to Running a Smooth Short Sale Business
This topic may be covered in many books, tapes and seminars, but nothing completely prepares you for setting up and operating a short sale business until you actually do it. Or know someone else who already done it. From my personal experience running such a business, I would like to share a few key pieces to have in place for a smooth-running short sale business.
1.   Get your marketing in place. Create your marketing materials, then get them automated to sell your services-whether for an Investor or distressed homeowner. Use such systems as … (0 comments)

 
Charles Gardner-Realtor/Investor (ZIP Realty, Inc-Houston District)

Charles Gardner-Realtor/Investor

Humble, TX

More about me…

ZIP Realty, Inc-Houston District

Address: 4582 Kingwood Dr, Ste 162E, Kingwood, TX, 77345-2640

Office: 832.527.5098

Mobile: (832) 527-5098

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