House For Sale in McAllen Texas: October 2013

Monday, October 28, 2013

Real Estate 411 - McAllen Texas

Real Estate McAllen Texas - When you’re buying or selling, the obvious source to get your real estate question answered is your agent but where do you go the rest of the time? As a homeowner for many years to come, you’ll need reliable help and solid suggestions.

Our business goal is to have a select group of our friends and past customers who consider us their lifelong real estate professional. We want to earn that trusted position so they’ll enthusiastically refer their friends to us. Our plan to achieve this is simply to help these people with all of their real estate needs not just when they buy or sell but for all the years in between.

Throughout the year, we offer reminders and suggestions by email and social media that benefit your homeowner experience. When we find good articles to help you be a better homeowner, we’ll pass them along. You’ll discover new ways to maintain your property, minimize expenses and manage debt and risk.

We want to be your “Go-To” person for everything to do with real estate. If we don’t have the answer you need, we’ll point you in the right direction to find it.

We’re here for you and your friends…now and in the future. Please let us know how we can help you.

Visit our Website: www.coldwellbankerlamansion.com

Coldwell Banker La Mansion Real Estate, We Have McAllen Texas Homes for Sale, RGV Rio Grande Valley Real Estate Properties, Land, See our Listings for Residential & Commercial Real Estate listings in McAllen, Edinburg, Sharyland, Mission, San Juan, Alamo, Weslaco, Pharr, & Hidalgo County, Texas

This site features McAllen Texas Real Estate and Rgv properties, Real estate mcallen tx, Mcallen tx commercial for sale, Mcallen texas real estate, buy sell, houses, land, sale, dream home, lease, industrial real estate for sale in McAllen, Mission, Weslaco and neighboring communities. Search this site for homes for sale in Hidalgo County communities including, McAllen, Mission and Weslaco, Texas, residential real estate, mcallen tx home, mcallen real estate, mcallen homes for sale, mcallen homes, home for sale in mcallen texas, home for sale in mcallen tx, buy sell, houses, land, sale, edinburg homes for sale, mcallen luxury homes, mcallen texas homes, mcallen texas homes for sale, mcallen texas real estate, mission homes for sale, mission texas homes, rgv homes, rgv-realty, rio grande valley real estate, sharyland homes for sale, weslaco home, coldwell banker la mansion, Mcallen Homes for Sale, Mcallen Listings, Commercial rio grande valley, Mcallen commercial real estate, Land mcallen, Commercial real estate, Lease commercial mcallen, Mcallen texas commercial, Properties commercial mcallen, Property commercial mcallen, Commercial Retail mcallen and homes for sale, rio grande valley, homes, sharyland, edinburg, mission, commercial real estate, Mcallen Properties, Mcallen Real Estate, home for sale in mcallen texas, homes for sale in mcallen tx, mcallen homes, mcallen real estate, mcallen tx home

Wednesday, October 23, 2013

Weslaco Real Estate, Home Sale, Sharyland Real Estate, Coldwell Banker Real Estate

Coldwell Bnaker Real Estate specializes in homes for sale, in Weslaco, MCAllen, Sharyland and neighboring communities.

Home for Sale 4004 Fica Drive Weslaco, TX 78599

BEDROOMS: 3

BATHS: 2

1/2 BATHS: 0

YEAR BUILT: 2007

EST SQFT: 2110

# STORIES: 1

AREA: Weslaco

SUBDIVISION: COTTON ESTATES CENTRAL

COUNTY: Hidalgo

SCHOOL DISTRICT: Weslaco

ELEMENTARY SCHOOL: Silva

MIDDLE SCHOOL: Garza

HIGH SCHOOL: Weslaco H.S.

GREAT LOCATION! GATED COMMUNITY! CUSTOM HOME! ENERGY EFFICIENT! *BUILT WITH INSULATING CONCRETE FORM (ICF)! GORGEOUS DOUBLE FRONT DOORS LEAD TO A COMPLETE OPEN CONCEPT HOME WITH FOYER, FORMAL LIVING ROOM, FORMAL DINING ROOM, KITCHEN, BREAKFAST AREA AND DEN. EACH ROOM IS EASILY ACCESSED. LOVELY TILE FLOORS AND GRANITE COUNTERS THROUGHOUT. ARCHITECTURAL CEILINGS AND MATCHING DESIGNER LIGHTING FIXTURES CAN BE FOUND THROUGHOUT THIS HOME. PLEASANT CUSTOM INTERIOR COLORS. LARGE MASTER BEDROOM WITH ENSUITE INCLUDING A COORDINATED CHANDLIER OVER THE JACUZZI GARDEN TUB. TWO SETS OF DOUBLE FULL GLASS DOORS LEAD TO A LARGE EAST FACING COVERED PATIO. LOCATION PROVIDES EASY ACCESS TO SHOPPING, SCHOOLS, AND THE EXPRESSWAY. A WONDERFUL HOME FOR YOUR FAMILY TO ENJOY!!!

List Price: $169,000

Visit our Website: www.coldwellbankerlamansion.com

Monday, October 21, 2013

Why Borrowers Pay Different Rates

Lenders, like any business, have to make a profit. The cost of acquiring the funds, the operating costs to service and the expected profit margin are easily identified. The variable in pricing is the type of mortgage and the credit worthiness of the borrower.

A loan with a 3.5% down payment is riskier than a loan with 20% down payment. If the lender has to take the property back to recover their expense, the margin is greater between what is owed and what the property is worth on an 80% mortgage.

Credit scoring is a risk-based pricing method that allows a lender to be competitive in the market for the best loans from different borrower groups. Individual lenders set their own levels for what they consider “A” credit which is reserved for the best rates. If good credit is approximately 710 to 740, scores below that are considered higher risk and will have higher rates.

Risk must be assessed for both the borrower and the property that collateralizes the loan. The borrower’s credit history and income stability are strongly evaluated by the lender but if a default should occur, the property must secure the loan to avoid a loss to the lender.

The challenge for some buyers is they are unaware of what their credit score is and how it will affect the interest rate offered by the lender. It is to the buyer’s advantage to be pre-approved by a reputable lender prior to starting the process of looking for a home. In some cases, the lender can actually improve the borrower’s credit score to help them qualify for a lower interest rate.

Contact me for a recommendation of a trusted mortgage professional - Sally.Cuellar@ColdwellBanker.com

Monday, October 14, 2013

McAllen 78501 Real Estate & Homes for Sale, McAllen 78501 Houses -Homes

Homes - Find McAllen, TX 78501 homes for sale. View pictures, research home values & local information, and map houses for sale in McAllen 78501.

Home For Sale 3301 N Cynthia Lane McAllen, TX 78501

BEDROOMS: 5

BATHS: 4

1/2 BATHS: 0

YEAR BUILT: 1989

EST SQFT: 3586

# STORIES: 2

AREA: McAllen

SUBDIVISION: Emerald Point

COUNTY: Hidalgo

SCHOOL DISTRICT: McAllen

ELEMENTARY SCHOOL: Milam

MIDDLE SCHOOL: Cathey

HIGH SCHOOL: Memorial H.S.

Eloquent home on a private 1 street neighborhood. Completely remodeled and tastefully updated. Enjoy a resurfaced blue quartz heated pool with valet cleaning system & hot tub. Amenities include solar screens, natural gas, new roof (2012), granite in all baths, maids qtrs. and much more.

List Price: $345,000

Visit our Website: www.mcallenhomeforsale.com

View our Company Video: http://youtu.be/0Zjts7CQGMg

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Lower Anxieties/Improve Marketability

One of the anxiety highpoints during the sale of a home is waiting for the buyer’s home inspection report. Most sellers willingly disclose what they know about their home to any potential buyers. The concern stems from the inspector finding something that they’re totally unaware of and that it will either cost them a lot of money to correct or the buyer will simply use it to void the contract.

If the inspection does reveal some unknown problem with the home, it’s probably as big a surprise to the buyer who is not as emotionally or financially invested as the seller. It is human nature to fear what you don’t understand and when a report identifies defects, they may simply opt-out of the home.

The solution to the situation may be for the seller to have the home inspected prior to putting it on the market. There is still a risk of becoming surprised by an unknown defect which at that point, would have to be disclosed to potential buyers or repaired by the seller. The advantage is that it creates a baseline to compare discrepancies that may arise when a future buyer has the home inspected.

If the seller’s inspection report is made available during the marketing process, it could give buyers a sense of confidence about the home even though they may still choose to have the home checked by their own inspector.

The cost of the inspection, possibly $500, keeps some sellers from taking this initiative when selling their home. In an effort to minimize their expenses, they forego getting valuable, disinterested 3rd party advice that could help sell their home. On a $175,000 home, the fee for the inspection will probably be less than 3/10 of one percent of the sales price.

Another option to the seller to increase marketability of the property and bolster buyer confidence in the home would be to offer a home protection plan. Generally, the seller doesn’t incur cost for this coverage until the home is sold and there may even be some coverage for the seller during the listing period. The benefit to the buyer is avoiding unanticipated expenses for specific items that are covered during their first year of ownership.

Our Website www.mcallenhomeforsalecom

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Thursday, October 10, 2013

McAllen Real Estate & Homes for Sale in Mission, TX | Coldwell Banker

Browse McAllen homes for sale from Coldwell Banker. Search McAllen, Texas real estate listings and view local neighborhood information!

Home For Sale 4205 Santa Lydia Mission, TX 78572

BEDROOMS: 4

BATHS: 2

1/2 BATHS: 0

YEAR BUILT: 2005

EST SQFT: 2144

# STORIES: 1

AREA: Mission

SUBDIVISION: El Sendero

COUNTY: Hidalgo

SCHOOL DISTRICT: Sharyland

ELEMENTARY SCHOOL: Shimotsu

MIDDLE SCHOOL: B.L. Gray Jr. High

HIGH SCHOOL: Sharyland H.S.

Bueno, bonito y barato! 4 bed/2 bath/2 car garage Perry Home in Sharyland Plantation. Granite kitchen countertops, laminate wood floors, all bedrooms with big walk-in closets! Walking distance to park and Shimotsu elementary school. Won't last! Owner is a Realtor

List Price: $179,000

Visit our Website: www.mcallenhomeforsale.com