Randall County, TX Real Estate News

By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
Veteran’s Home Loans for Canyon TexasIf you are reading this, you or a family member have likely served in our military.  First off, we would like to say a sincere “Thank You” for your service!  We recognize that not only do our Veterans sacrifice by serving, but their families do as well-, and we owe you all a debt of gratitude!One of the best benefits Veterans and their families receive due to their service to our great country is the VA home loan benefits.  We are going to outline just a few of these significant benefits in this article for you. Here are some of the major benefits you may receive by using your VA home loan benefits:*100% financing available- one of the very few loans available with no down payment!*Lower rates available than most loan programs- which saves you money ...
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By The Legacy Group, The LegacyGroup of CrossCountry Mortgage
(CrossCountry Mortgage)
There are many benefits to a VA home loan. It’s important to know how these loans can help you. First, thank you for your service to our country. According to the Mortgage reports, VA loans stand apart for its combination of low rates, lenient underwriting, and secondary benefits. These are 10 Veterans Loans Benefits in Amarillo Texas in 2020. These are:        No down payment on a VA loan        No mortgage insurance        VA loans have a government guarantee        Your ability to shop and compare VA loans        VA loans don’t allow a prepayment penalty        They come in many varieties        It’s easier to qualify for a VA loan        VA loan closing costs are lower        The VA loan offers funding fee flexibility    VA loans are assumable Backed by the U.S. Department of Vetera...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela MadoreNMLS #289635 Fair question.   You are used to going to a bank to get a mortgage or even a mortgage company around town. They all have a specific list of programs they offer.   What happens if they say "no"?   Do you go to the next one get your credit pulled again, and again, and again.  Or even worse, do you give up? I am a Licensed Mortgage Broker and own a Licensed Mortgage Company.  What I am able to do is FIRST and very importantly, I pull your credit once and we use that throughout the entire process.                          As a Mortgage Broker, I have  a working relationship with lenders all over the country.  Each one offers a nunber of programs and each lender offers different programs and/or nuances then each other.  What is so great about that?  I'll tell you. W...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela MadoreKeller Williams Realty Searching for houses online can be a tricky thing.  Many of the "name brand" search arenas are not up-to-date, inaccurate, or just zestimately wrong.  Don't be fooled by those little "payment calculators".  There are way too many other factors that need to be considered for that to be used.   Many  buyers looking for homes  and sellers looking for values for their houses, are on a mobile app.  Here is mine.  One great thing is that you can contact me directly from the app.  Another very, very helpful thing about my app is that you can use the "map" feature and with the help of your finger as a drawing device, you can draw a map around any area you are interested in and all of the houses for sale in that area "pop up".  Click on the house for all the i...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty Pamela Madore Mortgage 806-290-1920 I can remember once a wanted a black skirt to wear to a special occasion.  I couldn't really describe it but I would know it when I saw it! Looking for houses can be the same way. However, in the case of my skirt, I knew I didn't want any other color than black---so I could eliminate every other color.  I knew it was a special occasion so I had to cross off that really cute black jean skirt.  I knew it had to fit.  No sense buying a skirt that I couldn't squeeze into or a skirt that was so big I didn't know what to do with it all. And it had to be in my budget.  I had a certain amount to spend and that was it.  So maybe I couldn't look in the name brand stores.   But I knew I needed that skirt. When you are looking...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty 806-290-1920 How Is Keller Williams Realty's Technology Affecting the Real Estate Industry? At Keller Williams Realty we believe that Technology is the key to capturing the vast amount of buyers and sellers in the market.   And we have turned the way we do business to make sure that happens! At the moment, we have many things in the "Labs" stage.  That is, they are working and learning and growing.  One of our most innovative current "Labs" item is Kelle. Kelle is our own AI (artificial intelligence).  It is on its way to becoming one of our most successful tools for our clients.  By simply saying "snap" and then add a neighborhood, Kelle with show all of the statistics for the area.  (Email me and I will "snap" your neighborhood for you).   We have ...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty 806-1920  1096 Day Retirement Plan Business as Usual CALL IT MY GREAT EPIPHANY One day, I had an epiphany.  You know, when that light bulb turns on in your brain and you slap yourself in the head.  Duh.  That kind of epiphany. I have been in the real estate and mortgage business for more than 35 years.  It is so much fun.  I love going from deal to deal and seeing houses and solving problems.  I love meeting the people and just putting it all together.  But do I want to do this when I am 90? SELLING HOUSES AT AGE 90 My light bulb experience forced me to ask some hard questions.  I have worked all my life as an independent contractor and somewhere (baby boomer attitude) along the line I missed  that part about  I may not want to do this deal by deal i...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
cPamela Madore Keller Williams Realty Pamela Madore Mortgage. #289635 806-290-1920 Is Owner Financing The Way To Go? When I hear someone say they want owner financing, I always ask myself the question---Why?  Pamela Madore Mortgage The obvious answer is that they don't think that they can qualify for a mortgage. Let me tell you a little bit about owner financing and how it works.   First, you have to find a seller that is willing to owner finance.  As time goes on it is harder and harder to find these properties because of current laws.    You also must be very careful to know the difference between "owner financing" and "rent to own".   Pamela Madore Mortgage They are two totally different things.  On an owner financing you give the owner a down payment, you get the deed at closing and...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela MadoreKeller Williams RealtyPamela Madore Mortgage#289635 Complicated Mortgage?  That might be you.  Please be nice to your Mortgage Broker. I am doing a mortgage right now that the buyers could pay cash for about 6 of the price house we are buying.  But the interest rates are low so they decided to get a mortgage instead.  Sounds easy, right?  Wrong. These people have about 9 sets of tax returns for multiple business and rental properties and bank statements from an equal amount of accounts.  Are you beginning to get the picture?   Everything has to match up.  Payments out must match something.  Income must come from somewhere.  The better accountant you have the harder it is to match anything to anything! Government loans have guidelines.  Some are stricter than others.  When t...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Pamela Madore Mortgage #289635 806-290-1920 Borrow Up to $294,515 FHA in Potter/Randall Counties in Texas Many people think that an FHA loan is for low income people.  NOT TRUE.   FHA does not discriminate in income limits.   You can be a a quazillionaire and still get an FHA loan. It is not only for first-time homebuyers either.  You can own other properties, too.  It does require that it be your primary residence, however. Here are some pretty great things about FHA loans: Maximum loan amounts allow you to buy in some of the more expensive neighborhoods Low down payment.....3.5% of the purchase price Seller can help with up to 6% of closing costs Easier to qualify for based on income/credit Comparable rates to conventional loans No pre-payment penalty or balloon  If you ...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Pamela Madore Mortgage 806-290-1920 Help Me With My Mortgage!  It Is A Tough One!! Not everyone can walk into a bank and get a mortgage to buy a house.  Not everyone fits the "perfect" mold.  As a matter of fact, I would say the MOST people don't fit that mold.  One great thing about being a Mortgage Broker is that I have the availability of dozens of mortgage programs that will fit just about everyone's needs.  Where as Bank has typically less than 10 and they mostly have the same or similar guideline, I have the advantage of being able to see your situation and then go find a lender that will do it! The days of "I've banked there all my life" are over.  Banks sell all (a few exceptions) of there loans into the secondary market and the secondary market will only buy loans...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty 806-290-1920 http://pamelamadore.com How To Figure Out Your Plan For Your Life:  Your Big Why Oh my gosh.  There is so much talk about this whole WHY thing and, for me, I had no idea how to figure out what my why was. I had no idea to even know where to start figuring it out!!!  Help.  Are you there?  Are you where I was? Let me see if I can help. I am going to use myself as an example because they always say to "use what you know".  Of course, in this case it may not apply since I still don't know exactly how this whole thing works. Somehow after reading books I determined it started with goals.  That only served to confuse me more .  What is a goal?  In football it is a couple of posts standing up that people kick a football through.   I'm pretty s...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams  Realty 806-290-1920 http://pamelamadore.com Step One To Becoming A Successful Real Estate Agent Admittedly, there are many aspects to becoming a successful real estate agent.  I have found that taking the steps one at a time will move you along much faster, Step One:   Your Big Why (Or Want)     I have found that if you don't want it bad enough you won't get it.   If you jump out of bed every morning and dash off, to work on the plan to get you what you want, you have found your big WHY.  If you drag out of bed with no plan but your first cup of coffee then maybe you need to spend some time thinking.  No Room For Cry Babies A plan with clarity of mind and extreme focus can get you where you want to be.  What if you don't know where you want to be?  Or what...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty Pamela Madore Mortgage http://www.iloveamarillo.com/contact/ Have you ever done something and thought oh (imagine the word) I can't believe I did that?  How stupid!  Well, I did it. I am teaching an amazing class at Keller Williams Realty called Ignite.  It is mostly for new agents but new and old come.  It is a 4 week class meeting 3 times a week.   Part of the homework for them is to increase the people in their address book by 200 in the 4 weeks.   Well,  if you are like just about everyone else in the world, you will find reasons why that is too much to do in the amount of time we have.  Granted it is a lot.  However, if we are going to build our businesses we need our friends and family and networking contacts to help us.  Agreed? So we are near...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Pamela Madore Mortgage 806-290-1920 Who Can Qualify For An FHA Mortgage? Consider an FHA. Don't be fooled.  Many people think that you have to be low-income.  Others think you have to be a first-time homebuyer.  Neither are true. An FHA loan is a federally insured loan.  FHA stands for Federal Housing Administration.  The loan does not come directly through FHA.  The loan is comes from a lender or bank.  The connection is through mortgage insurance.  FHA mortgage insurance's acronym is MIP which is mortgage insurance premium.  The MIP is both an upfront premium that is allowed to be financed into the loan.  There is additionally a monthly premium that is part of your escrow account. (taxes, insurance, MIP) Have questions? In the event that the borrower defaults on the loan...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty pamelamadore.com 806-290-1920 Pamela Madore Ten Steps To Becoming a Successful Real Estate Agent Is there magic in becoming financially successful?   Is there magic in making  a cake or rebuilding an engine? No.  It might come easier to some people than others but there are steps to follow to make that engine new again.  All you have to do is follow the steps.  Here are the steps to become A Successful Real Estate Agent YOUR BIG WHY What in the world does that mean?  It is simple.  It is the reason that you become desperate to become successful.  It can be curing cancer or buying a new car.  Our whys can constantly be changing but they have to be BIG.  Big enough to cause you to push yourself beyond what you every thought possible. SCRIPTS Would you ...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty Pamela Madore Mortgage 806-290-1920    I Want To Buy a House But Don't Know Where To Start Pamela Madore Start right here.  I can help you buy your first home, your second home or investment properties! Unless you are a cash buyer you will need a mortgage.  There is no sense to go and look at properties until you know that you can buy a house.  Although, it is fun to look online and that is OK.  It will give you an idea of what you like and how much the houses cost. Once you decide you want to buy a house, the first step is to get pre-approved/approved for a mortgage.  You have many different options on how this works. First, find someone that you trust and that knows a lot about the mortgage industry.  I hope you choose me.   😎   Here are some myths...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Keller Williams Realty Pamela Madore Pamela Madore Mortgage #289635 Have Questions About Real Estate or Mortgages or Getting a License? Ask Pam In my many years in this business I have answered thousands of questions for people.  You would think that all the questions have been asked and answered.   Not true.  Every day something new happens.  There is a new question.  A situation that has not happened before--or at least one that I have not heard of. So I need your help.  I have started on online FB forum Ask Pam Online .  Take a moment and go to the page, like and follow and ask a question.  Or if someone has asked a question and you have the answer or a comment , please feel free! Our world is constantly changing and with it comes changes in every aspect of our lives.  ...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Pamela Madore Mortgage NMLS 289635 I Don't Have a Social Security Number and I Want To Buy A House It's OK.  I can help. If you don't have a SS# then you probably have an ITIN number.  In some instances you may have both.  You employer uses a social security number to pay you and when you file taxes you use your ITIN number.     Here are some general requirements that many of the lenders I use require: 20% down---10% can be a gift credit score 2 years tax returns Downpayment Most lenders require a minimum of 20% for a down payment.  Many buyers don't keep all of their money in the bank but we will have to show it is in a bank account. We will need to show that it has been in the bank (or credit union) for at least 30 days. Credit score Many people think you can't have a cr...
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By Pamela Madore, Team Work Makes The Dream Work
(The Pamela Madore Group)
Pamela Madore Pamela Madore Mortgage Amarillo, TX 79119 pamelamadoremortgage.com Home of Unusual Mortgage Financing We don't all fit the same mold.  You can't put a square peg in a round hole.  Not everyone can qualify for the usual bank financing type. That doesn't mean you can't get a mortgage to buy a house.    I am a Mortgage Broker in Amarillo, TX.  I am licensed to do mortgages anywhere in Texas.  What is unique about me is that I am not limited to what your local bank or lender can offer you.   I use lenders all over the US that I use to "shop" until I can find a mortgage that will work for you.  Usually people think that will mean a high interest rate or a balance mortgage or have a pre-payment penalty.  Those mortgages are available but most people fit into an entirely acceptab...
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