tips: What if Realtor is ABR, ALC, CIPS, CPM, CRS, GRI, SRES, BPOR, ePRO, RSPS, SFR, and GREEN"?. - 09/16/11 06:31 AM

If you don't know what all those letters mean, don't feel bad. Many of us Realtors don't know either. Most are designations given following completion of a short course offered by (sold by) real estate schools. As Realtors, we must continue our education to maintain our licences. This is done by taking certain courses approved by the Texas Real Estate Commission, either online or in the classroom. Typically these courses consist of topics such as legal & ethics, contracts, finance and other matters important to the financial well being of the client. While this education is mandatory and indeed important, … (0 comments)

tips: Is a large downpayment always better? - 09/16/11 05:35 AM
 
Many buyers think they need huge amounts of cash for a downpayment, thinking that will save thousands in interest and lower your monthly payment in addition, you won't need to buy mortgage insurance if you pay 20% down. Fact is, most people do not pay near that much. Federal Housing Administration loans, with down payments as low as 3.5%, have become very common.
 
Here are a few reasons why a small down payment, even with the required mortgage insurance, can be a better idea.
 
The mortgage insurance premium that you pay may be offset by a lower rate. Many … (2 comments)

 
Patrick Kelly, Kemah Properties (Kemah Properties)

Patrick Kelly

Kemah Properties

Kemah, TX

More about me…

Kemah Properties

Address: 1129 Highway 146 #1297, Kemah, TX, 77565

Office: (281) 851-7095

Mobile: (281) 851-7095

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