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Lisa Salinas-gruver's Blog

By Lisa Salinas-Gruver | Agent in Austin, TX
  • How hard can it be to purchase a home in the Austin area??

    Posted Under: Home Buying in Austin, Property Q&A in Austin, Investment Properties in Austin  |  August 11, 2014 1:39 PM  |  56 views  |  No comments

    How hard could it be?


    08/08/2014 | Author: Marty Kramer

    You may have heard radio ads this summer that point out how complicated real estate transactions can get. There are literally hundreds of ways your real estate transaction can present you with a “What do I do now?” moment.

    Here are a handful:

    • You need to negotiate the mineral rights with the sale of a ranch property.
    • A home is located in a flood plain and requires flood insurance.
    • An investment property you’re considering has a tenant who says he won’t vacate the property.
    • You need the proceeds from selling your existing home to afford purchasing another home, but don’t want to move twice.
    • A fire damaged the property after you already had an agreed-upon contract.
    • The seller said he had an existing survey, but he hasn’t provided it by the deadline.

    Fortunately, as the radio ad says, you can hire an “uncomplicator.” Contact Lisa to advise you on how to make your way past any rough spots on your way to a successful transaction.

    512-423-5781 or lisalegendsrealtor@gmail.com

  • ¿Qué tan difícil puede ser comprar una casa en la area de Austin?

    Posted Under: Home Buying in Austin, Property Q&A in Austin, Investment Properties in Austin  |  August 11, 2014 1:33 PM  |  59 views  |  No comments

    ¿Qué tan difícil puede ser?


    08/08/2014 | Autor: Marty Kramer

    Usted puede haber oído los anuncios de radio este verano que señalan lo complicado que las transacciones de bienes raíces puede conseguir. Hay literalmente cientos de maneras en que su transacción de bienes raíces que usted puede presentar con un "¿Qué hago ahora?" Momento.

    Aquí hay un puñado:

    • Usted necesita negociar los derechos mineros con la venta de una propiedad rancho.
    • Una casa está ubicada en una llanura de inundación y requiere seguro contra inundaciones.
    • Una propiedad de inversión que usted está considerando tiene un inquilino que dice que no quiere abandonar la propiedad.
    • Usted necesita los ingresos de la venta de su casa existente para permitir la compra de otra casa, pero no quiere mover dos veces.
    • Un incendio dañó la propiedad después de que ya tenía acordado una contrato.
    • El vendedor dijo que tenía una encuesta existente, pero no ha proporcionado la fecha límite.

    Afortunadamente, como el anuncio de radio dice, usted puede contratar a un "uncomplicator."  Llama a Lisa para aconsejarle sobre cómo hacer su camino más allá de las zonas rugosas en su camino a una transacción exitosa.

    512-423-5781 or lisalegendsrealtor@gmail.com

  • Are you ready to become a home buyer in the Austin, Texas area?

    Posted Under: General Area in Austin, Home Buying in Austin, In My Neighborhood in Austin  |  July 21, 2014 1:31 PM  |  103 views  |  No comments

    While it may be acceptable to snap up a pair of shoes on an impulse, buying a home requires thoughtful planning and decision making.

    Whether you’re becoming a homeowner for the first time or you’re a repeat buyer, buying a home is a financial and emotional decision that requires the experience and support of a team of reliable professionals including a Realtor, a lender, a lawyer and a range of other individuals.

    Why Do You Want to Buy?

    The emotional part of the decision comes into play when you think about why you want to move. If you’re a first-time buyer, you need stability in your career and the desire to commit to living in the same community for five to seven years. You should want to establish roots in a neighborhood and look forward to decorating as you please without requiring a landlord’s permission.

    Purchasing a home is a lifestyle choice that requires you to think about how you like to spend your time and the type of community where you want to live, such as a rural area without nearby neighbors, a highrise building in a city or a home within a planned community with recreational amenities. The more you understand your priorities for a home, the easier it will be for you to narrow your real estate decisions.

    Homeownership can also be a powerful way to increase your personal wealth for you and your family, since you’ll be building equity in your home as you pay off your mortgage.

    Are Your Finances Ready for Homeownership?

    While your dream home may or may not be within your reach right away, you can take steps to become a homeowner the moment you earn your first paycheck. In order to qualify for a mortgage loan to buy a home, you’ll need good credit, a pattern of paying your bills on time and saving money, and a maximum debt-to-income ratio (your gross monthly income compared to the minimum payments on all recurring debts) of 43 percent. Some lenders have stricter guidelines, so the lower your debt-to-income ratio, the better your chances of a loan approval.

    While loan programs are available with low down payments of 3.5 to 5 percent, and a few programs offer no down payment at all, you’ll still need some savings to pay for closing costs and moving expenses, a deposit on a home, and for cash reserves after you buy. Saving money and preserving or improving your credit history are essential elements to homeownership.

    What Can You Afford to Buy?

    Housing prices and rents vary from one location to another, but you can use a rent-vs.-buy calculator to estimate the difference between your current rent and buying a home. In some markets buying a home can cost the same or even less than renting. Remember, when you’re a homeowner you need to included homeowners insurance, property taxes and homeowner association dues in your housing costs. You can also use a home affordability calculator to help you estimate what you can pay for a home. You should also think about your plans for the future and how you spend your money, along with your comfort level with a mortgage payment. A lender will tell you how much you can borrow, but that lender won’t know how much you spend on travel or golf or your plans for potentially reducing your work hours when you have a family.

    Once you’ve thought through the emotional and financial aspects of becoming a homeowner, your next steps should be to find a reliable, experienced Realtor to become your partner in the homebuying process and to meet with a reputable lender who can discuss your options for financing your purchase.

    Have more questions? Need a lender? Need a (free) downpayment?

    Call me: 512-423-5781

    email me: lisalegendsrealtor@gmail.com

  • 10 razones para amar Bienes Raíces de Texas (Austin)

    Posted Under: Home Buying in Austin, Home Selling in Austin, Property Q&A in Austin  |  July 14, 2014 9:53 AM  |  174 views  |  No comments

    10 razones para amar Bienes Raíces de Texas

    Spanish

    20/06/2014 | Autor: Jaime Lee

    En caso de que no supiera ya por qué Texas es un gran lugar para comprar, vender y arrendar bienes inmuebles, aquí están algunos recordatorios:

    1. El mercado de la vivienda estable . Es uno de los 10 estados en tierra firme.

    2. Se espera que los precios de las viviendas a seguir subiendo . El aumento de la demanda y la baja de inventarios han creado un mercado de vendedores.

    3. Tenemos l os niveles más altos de capital promedio . Esto significa que su propiedad puede valer más de lo que debe.

    4. Es el No. 1 destino para los motores de estado a estado . Esta demanda de vivienda puede beneficiar a su valor de reventa.

    5. A l tasa de desempleo ow significa un montón de oportunidades de trabajo para ayudarle a alcanzar sus metas inmobiliarias.

    6. Usted puede hacer una gran vida aquí . Texas es el estado N º 2 en la que ganarse la vida, debido en parte a la capacidad de financiación y la falta de impuesto sobre la renta estatal.

    7. Cuando haya terminado de trabajar, el clima cálido y el bajo costo de vida hacen que sea un lugar ideal para retirarse .

    8. Costos relativamente bajos de vivienda ayudan a hacer de Texas un gran lugar para criar una familia .

    9. Un clima empresarial de apoyo hace que sea el mejor estado para los negocios , especialmente las pequeñas empresas .

    10. Debido a que sólo en Texas se puede encontrar un REALTOR ® de Texas para ayudar a alcanzar sus metas inmobiliarias.

    Puede ponerse en contacto con Lisa
    512-423-5781
  • 10 Reasons to love Texas Real Estate especially in Austin and Round Rock!

    Posted Under: General Area in Austin, Home Buying in Austin, Investment Properties in Austin  |  July 14, 2014 9:50 AM  |  136 views  |  1 comment

    10 reasons to love Texas Real Estate!

    06/20/2014 | Author: Jaime Lee

    In case you didn’t already know why Texas is a great place to buy, sell, and lease real estate, here are a few reminders:

    1. The stable housing market. It’s one of only 10 states on steady ground.

    2. Home prices are expected to keep going up. Rising demand and low inventory have created a seller’s market.

    3. We have the highest average equity levels. This means your property may be worth more than what you owe.

    4. It’s the No. 1 destination for state-to-state movers. This demand for housing can benefit your resale value.

    5. A low unemployment rate means lots of job opportunities to help you achieve your real estate goals.

    6. You can make a great living here. Texas is the No. 2 state in which to make a living, due in part to its affordability and lack of state income tax.

    7. When you’re done working, warm weather and low cost of living make it an ideal location to retire.

    8. Relatively low housing costs help make Texas a great place to raise a family.

    9. A supportive business climate makes it the best state for business, especially small businesses.

    10. Because only in Texas can you find a Texas REALTOR® to help you meet your real estate goals.

    Call or email me for more information on the Austin, Texas area!
    512-423-5781
    lisalegendsrealtor@gmail.com

  • Great Outdoor ideas for those small spaces!!

    Posted Under: General Area in Austin, Home Buying in Austin, In My Neighborhood in Austin  |  July 3, 2014 10:04 AM  |  243 views  |  No comments

    Can You Squeeze an Outdoor Retreat onto a Small Lot?

    By Melissa Dittmann Tracey, REALTOR® Magazine

    Builders increasingly are squeezing large, luxurious homes on smaller lots, at a time when home owners and home buyers say they crave outdoor retreats.

    While buyers say they want outdoor space, they also are motivated by the perk of less lawn maintenance, which smaller lots offer. Also, settling for a smaller lot size may mean more space that can be dedicated to the inside of a home or getting a new home in an urban or historic area.

    Whatever the reason, home owners are finding they can still make use of their small lot size and carve out plenty of luxury for dining, relaxing, or creating an oasis.

    1. Peaceful dining space


    2. Squeezing in a pool.


    3. Lounging spot.


     
    4. Perfect for entertaining


    5. Growing space


    6. Kid-friendly


    7. Back seat perspective


    I love all these outdoor spaces!!

  • Did you know there is FREE Grant money for your home down payment in the Austin, Texas area?

    Posted Under: Home Buying in Austin, Home Selling in Austin, In My Neighborhood in Austin  |  June 19, 2014 4:35 PM  |  312 views  |  No comments
    Hands passing model houseDo you or someone you know want to buy a home, but have no money for a downpayment? Effective October 2012, Texas area programs announced the release of $600 million in homebuyer assistance funds for first time homebuyers available on a first come, first served basis.  Prices have increased 10% a year every year for the last two years. Ten percent does not sound like a lot, but when you are looking at a sales price of $200K one year, and that changes to $240k the next, that is a serious amount of money and effects your buying power immensely. 

    Are you wondering how the program works? The programs is fairly simple.

    1. Contact your agent and ask them for a lender who is qualified to do this program.
        If you don't have an agent feel free to call me. I have a list of lenders who
        are qualified to handle the bond programs.
    2. After you speak to the lender, he will qualify you with a few simple questions and ask for   
        certain documentation.
    3. You must take a home buyers class.
    4. Go shopping for a home!!

    Call me or email me for more information! 512-423-5781 or lisalegendsrealtor@gmail.com

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