Homes for Sale in Lovejoy ISD

Homes for Sale in Lovejoy ISD

The Lovejoy Independent School District is located on Country Club RD, three miles east of Allen and about 25 miles north of Dallas in the fast developing region of central Collin County. The district covers the area of approximately 19 square miles, bound by Plano ISD on the south, Allen ISD on the west, andMcKinney ISD on the north. Lovejoy ISD is currently responsible for the education for over 3,400 students. Since 1917 Lovejoy has served the residents of Fairview, Lucas, and other surrounding neighborhoods.

Click on the photo below to view all homes for sale in Lovejoy ISD.

For additional information, contact Amy directly at 214.901.1341.

Courtesy Halo Group Realty, LLC 

 

Mckinney Rental Homes Under $2,000!

Mckinney Rental Homes Under $2,000 

Click Image to view ALL Homes for Lease in Mckinney under $2,000. 

Contact Amy @ 214.901.1341 for additional information. 

Courtesy Halo Group Realty, LLC

Village Creek | Mckinney, TX Homes for Sale

Village Creek | Mckinney, TX

Ah, the tranquility of Village Creek of Eldorado in Mckinney…from the wooded, creek lots to the amazing winding roads that this subdivision is infamous for, it’s tough to NOT imagine making this place your home.  From scenic views to hiking, biking and jogging paths, to the community pond, you will see why Village Creek is truly unique.   Located at the corner of Country Club Drive and Eldorado (near Highway 75), this community is home to Valley Creek Elementary, Faubian Middle School, and Mckinney High School.  Homes currently available range from $363,000-$450,000.  Feel free to call me with any questions you may have on Valley Creek in Mckinney.

Homes for Sale in Valley Creek (Visit my website for the latest availability):

2101 Germantown, 5 bedroom, 4.5 bath, for sale for $450,000

2301 Brandywine, 4 Bedroom, 3.5 Bath, for sale for $400,000

2316 Brandywine, 4 Bedroom, 3.5 Bath, for sale for $363,000

Visit my website for additional photos, virtual tours, information or to set a viewing appointment for any of the homes above.

* Amy S. Arey, Realtor * Halo Group Realty * 214.901.1341 *

AArey@HaloAgent.com

Home Sales Continuing to Rise…

Washington, DC, December 21, 2011

Existing-home sales rose again in November and remain above a year ago, according to the National Association of Realtors®. Also released today were periodic benchmark revisions with downward adjustments to sales and inventory data since 2007, led by a decline in for-sale-by-owners.

Although rebenchmarking resulted in lower adjustments to several years of home sales data, the month-to-month characterization of market conditions did not change. There are no changes to home prices or month’s supply.

The latest monthly data shows total existing-home sales¹, which are completed transactions that include single-family, townhomes, condominiums and co-ops, increased 4.0 percent to a seasonally adjusted annual rate of 4.42 million in November from 4.25 million in October, and are 12.2 percent above the 3.94 million-unit pace in November 2010.

Lawrence Yun, NAR chief economist, said more people are taking advantage of the buyer’s market. “Sales reached the highest mark in 10 months and are 34 percent above the cyclical low point in mid-2010 – a genuine sustained sales recovery appears to be developing,” he said. “We’ve seen healthy gains in contract activity, so it looks like more people are realizing the great opportunity that exists in today’s market for buyers with long-term plans.”

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage fell to a record low 3.99 percent in November from 4.07 percent in October; the rate was 4.30 percent in November 2010; records date back to 1971.

NAR President Moe Veissi, broker-owner of Veissi & Associates Inc., in Miami, said housing affordability conditions have set a new record high. “With record low mortgage interest rates and bargain home prices, NAR’s housing affordability index shows that a median-income family can easily afford a median-priced home,” he said.

“With consumer price inflation rising by more than 3 percent this year, consumers are looking to lock-in steady payments by taking out long-term fixed-rate mortgages. However, the problem remains that some financially qualified families who are willing to stay well within their means are being denied the opportunity to buy in today’s market by the overly restrictive mortgage underwriting situation,” Veissi said.

An elevated level of contract failures continues to hold back a broader sales recovery. Contract failures² were reported by 33 percent of NAR members in November, unchanged from October but notably above a year ago when it was 9 percent.

Contract failures are cancellations caused by declined mortgage applications, failures in loan underwriting from appraised values coming in below the negotiated price, or other problems including lower conforming mortgage loan limits, home inspections and employment losses.

Also released today are benchmark revisions³ to historic existing-home sales. The 2010 benchmark shows there were 4,190,000 existing-home sales last year, a 14.6 percent revision from the previously projected 4,908,000 sales. For the total period of 2007 through 2010, sales and inventory were downwardly revised by 14.3 percent. The revisions are expected to have a minor impact on future revisions to Gross Domestic Product.

“From a consumer’s perspective, only the local market information matters and there are no changes to local multiple listing service (MLS) data or local supply-and-demand balance, or to local home prices,” Yun explained.

A divergence developed over time between sales reported by MLSs and sales determined by a U.S. Census benchmark; the variance began in 2007. Reasons include growth in MLS coverage areas from which sales data is collected, and geographic population shifts. “It appears that about half of the revisions result solely from a decline in for-sale-by-owners (FSBOs), with more sellers turning to Realtors® to market their homes when the market softened. The FSBO market was overwhelmed during the housing downturn, and since most FSBOs are not reported in MLSs, national estimates of existing-home sales began to diverge based on previous assumptions,” Yun said.

NAR consumer survey data in 2000 showed FSBOs accounted for a 16 percent market share, which fell to a record low 9 percent in 2010.

“In essence, Realtors® began to capture a greater market share. In addition to a decline in FSBO transactions, more builders began marketing new properties through real estate brokers that weren’t completely filtered from the existing-home data,” Yun said. “Some property listings on more than one MLS, and issues related to house flipping, also contributed to the downward revisions.” The new independent benchmark was discussed with government agencies and outside housing market experts, and will allow for annual revisions in the future.

Total housing inventory at the end of November fell 5.8 percent to 2.58 million existing homes available for sale, which represents a 7.0-month supply⁴ at the current sales pace, down from a 7.7-month supply in October. “Since setting a record of 4.04 million in July 2007, inventories have trended down and supplies are moving close to price stabilization levels,” Yun said.

The national median existing-home price⁵ for all housing types was $164,200 in November, down 3.5 percent from a year ago. Distressed homes – foreclosures and short sales typically sold at deep discounts – accounted for 29 percent of sales in November (19 percent were foreclosures and 10 percent were short sales), compared with 28 percent in October and 33 percent in November 2010.

All-cash sales accounted for 28 percent of purchases in November; they were 29 percent in October and 31 percent in November 2010. Investors make up the bulk of cash transactions.

Investors purchased 19 percent of homes in November, little changed from 18 percent in October and 19 percent in November 2010. First-time buyers accounted for 35 percent of transactions in November, up from 34 percent in October and 32 percent in November 2010.

Single-family home sales rose 4.5 percent to a seasonally adjusted annual rate of 3.95 million in November from 3.78 million in October, and are 12.9 percent above the 3.50 million-unit level in November 2010. The median existing single-family home price was $164,100 in November, down 4.0 percent from a year ago.

Existing condominium and co-op sales were unchanged at a seasonally adjusted annual rate of 470,000 in November and are 6.8 percent higher than the 440,000-unit pace one year ago. The median existing condo price⁶ was $164,600 in November, which is 0.2 percent below November 2010.

Regionally, existing-home sales in the Northeast jumped 9.8 percent to an annual pace of 560,000 in November and are 7.7 percent above a year ago. The median price in the Northeast was $240,200, which is 0.1 percent below November 2010.

Existing-home sales in the Midwest rose 4.3 percent in November to a level of 960,000 and are 15.7 percent higher than November 2010. The median price in the Midwest was $133,400, down 4.0 percent from a year ago.

In the South, existing-home sales increased 2.4 percent to an annual pace of 1.74 million in November and are 12.3 percent above a year ago. The median price in the South was $143,300, which is 2.1 percent below November 2010.

Existing-home sales in the West rose 3.6 percent to an annual level of 1.16 million in November and are 11.5 percent higher than November 2010. The median price in the West was $195,300, down 8.4 percent below a year ago.

The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.1 million members involved in all aspects of the residential and commercial real estate industries.

For more information, contact:
Walter Molony 202/383-1177 wmolony@realtors.org

Looking for your next new home?  Search now:  www.TheFastestGrowingCityinTexas.com 

 

Avoiding Common Mortgage Mistakes

Avoiding Common Mortgage MistakesThere is no doubt that the mortgage process can be an intimidating and confusing process for the uninitiated. Let’s look at the situation: you are putting yourself into debt for the next 15-30 years, signing stacks of paperwork, and learning about new fees every day. In such a stressful environment it easy to make mistakes and the worst part is that you might never even know that you made a mistake.

In order to make sure that you do not pay for that one mistake over the next 30 years it is important to do your homework and gain an understanding of the mortgage process. Below you will find a list of some of the more common mistakes that mortgage brokers and lenders see every day.

Credit problems: It is important to obtain a credit report at least 180 days before you are planning on applying for a mortgage. This will give you time to challenge any mistakes or discrepancies that appear on your report before it gets into the hands of your lender. This will also give you an idea of the legitimate factors that are hurting your FICO score and time to do something about them, such as paying an overdue bill or paying down credit card debt.

Qualifying for a first-time buyers program: If you are a first-time home buyer then you might be able take advantage of the lower rates offered by the many first-time homebuyers programs. These programs were designed to help individuals with damaged credit or small down payments achieve their dream of home ownership. The best way to find out more information on these programs is to call or visit the website of the housing agencies for your state, county, and city to see if you are eligible.

Waiting until the last moment to get approved: Homes more fast in our market and it is important that you are ready to move when you find that perfect home. If you are going to buy a home there is no reason not to turn in the loan paperwork and get approved before you start the home buying process. Horror stories abound regarding buyers who found their dream home and then initiated the loan approval process only to learn the home had already been sold by the time they got their paperwork back.

Not shopping for rates: Some homebuyers are not aware of the wide range of rates that are on the market and could fall victim to subprime lenders. Subprime lenders specialize in securing financing for individuals with damaged credit, at a premium, and occasionally people with good credit unknowingly get stuck with such a loan. It pays to make sure that you know the prevailing interest rate for individuals with your FICO score. If you go to MyFico.com you can enter your FICO score and get an idea of the cost of financing in your area.

Paying Junk fees: Some lenders attempt to line their pockets with a variety of fee, some of which are legitimate and some of which are not. Once more it pays to do your homework beforehand. Contact several different lenders to find out their rates, loan points charged, and any other fees associated with the application. Once you decide on a lender they should give you a good-faith estimate of closing costs, which should include any extra fees. Inquire about any additional fees and try to negotiate the more excessive charges down. If your chosen lender is unwilling to negotiate take the estimate to someone else and see if they will be able to beat it.

Closing Costs: Plan ahead for the closing costs. The day that you are scheduled to get your loan you will also need to pay for expenses such as; attorney’s fees, title insurance, and other lender fees. Closing costs can be anywhere between 2 and 7 percent of the selling cost of the home. The good faith estimate that you received from the lender will give you a good idea of how much you can expect to pay and make sure that you have enough to cover the cost in your bank account.

Cash on hand after closing: After scrimping and saving every penny you were able to secure your mortgage and have moved into your new home. Suddenly, out of the blue your car breaks down and you are stuck with a hefty bill and you run the risk of not having the money to cover your first mortgage payment. When budgeting for your new home it is a good idea to have enough cash to cover your expenses for several months. This will help you get over any unexpected expense speed bumps.

Thinking of buying a new home?  Go to my website and get preapproved now to learn about all of your loan options for the near future.  You’ll be glad you did.

* Amy S. Arey, Realtor * Halo Group Realty, LLC * 214.901.1341 *

Another Texas Motocross Track for Sale…Near Lubbock Texas: Only $125,000!~

Schedule a Showing/Request Info Free List of Foreclosed Homes For Sale What is your home worth? Search All Homes For Sale Homes Close to Where You Work Frisco, TX Homes for Sale Allen, TX Homes for Sale Fairview, TX Homes for Sale Mckinney, TX Homes for Sale Amy Arey Halo Group Realty, LLC 214-901-1341 aa@suburbanstreetsrealtor.com Information valid for the date of this posting only. Please contact us for the most current information and status of this property.

957 Highway 211 New Home, TX Scan with your smartphone & take me with you. Description Photos Maps & Local Schools Virtual Tour 20 Acres 20 Minutes from Lubbock, TX in New Home! $ Click for current price Confidential business relaying. 20 acres south of Lubbock. 15 minutes from the loop (mall, restaurants, etc). 1,500 member e-mail list. 5-year established racing series with more than 250 entries on average. Buyers agent to confirm all information. See Listing agent for long list of conveying equipment with full-price offer.  Directions: Contact agent for directions. 10 Miles from Main Highway.  Private Remarks: Confidential business for sale. Please do not disturb the customers or riders. Contact agent for additional information or financial documents.  L2L Property Websites WP

Another Racetrack for Sale: 20 Acres…Near Lubbock!

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<td align=”left” width=”100%” style=”padding-left:0px;border:0px;margin:0px;padding-top:0px; padding-bottom:0px; padding-right:0px”><h1 style=”color:gray;font-size:16px; font-weight: normal “>20 Acres 20 Minutes from Lubbock, TX in New Home! </h1></td>
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<td>Confidential business relaying. 20 acres south of Lubbock. 15 minutes from the loop (mall, restaurants, etc). 1,500 member e-mail list. 5-year established racing series with more than 250 entries on average. Buyers agent to confirm all information. See Listing agent for long list of conveying equipment with full-price offer. </td>
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<td><strong>Directions: </strong>Contact agent for directions. 10 Miles from Main Highway. </td>
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<td><strong>Private Remarks: </strong>Confidential business for sale. Please do not disturb the customers or riders. Contact agent for additional information or financial documents. </td>
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5 Things to Do NOW if you Want to Buy a Home in 2012

I’ve had many people…friends, associates and people I barely  know…recently ask me “When is the best time of the year to buy a Home?” or “Is there a better time of the year to list my home”?  When searching my brain for the verbage to describe each of these situations, I randomly came across this article from “Trulia” …which not only touched on this subject, but gave EXCELLENT advice on what to do NOW if you’re thinking of buying a home in 2012.  With the changing market and ever-changing lending-rules, it’s always best to arm yourself with as much information as possible before embarking on your journey to “The American Dream….”:  

At this point in December, it can start to feel like the New Year – along with all our hopes, dreams, wishes and expectations for it – are barreling down on us. Personally, I’m a rabidResolution-setter, and I have a pretty strong track record of making New Year’s changes actually happen – and stick.  But what I know after years of using the New Year as a great excuse to set and meet some goals is that it’s very, very helpful to get a head start, ramping-up to new habits, behaviors and target goals achievements starting in December.

If you’re one of the millions who has an eye on 2012 as the year in which you’ll buy a home (first or not), here are five things you can do now to put yourself on the right path:

1.    Check your credit. Take my word for it: there is no bad surprise worse than a bad credit surprise. Okay, maybe there is one thing worse – a credit surprise you receive while you’re in the midst of trying to buy a home! 

Recent studies have revealed that a record high number of real estate transactions are falling out of escrow, and that credit “issues” are a leading cause of these dead deals. Your best chance at catching and correcting score-lowering errors and other derogatory items before they destroy your personal American Dream is to start checking and correcting while you still have time on your side.

2.    Do your research.  The more rapidly the real estate market changes, the more it behooves smart buyers to study up before they jump in.  And now’s the time – you can start doing online and in-person research into topics ranging from: 

·    Target states, cities and neighborhoods. Whether you’re relocating or simply trying to narrow down the local districts to focus on during your 2012 house hunt, December is a great time to start your online research into decision-driving factors like tax rates, school districts, neighborhood character and even prices in various areas. Resident ratings and reviews sites like Trulia and NabeWise can help you make the neighborhood-lifestyle match. 

Once you narrow things down and start speaking to local agents, ask them to brief you on the local market dynamics, including how long homes typically stay on the market and whether they generally go for more or less than the asking price, so you can be smart about how you search. (And yes, Virginia, there are areas where homes sell for more than asking, even as we speak!)

·    Real estate and mortgage pros. If you don’t already have your pros picked out, now is the time to get on the horn or drop an email or Facebook message to your circle of contacts, asking them for a referral to a broker or agent they love.  Follow up by: checking whether these pros are active in answering questions on Trulia Voices, searching for their name and seeing what sort of feedback on them you can cull from the web, then giving them a ring and launching a conversation about whether you and they might be a good partnership.

·    Short sales and REOs. Distressed property sales are not for the unwary. If you want to target upside down or foreclosed homes, or are planning to house hunt in an area where many of the listings are described as short sales or foreclosures, get educated about what you can expect from a distressed property purchase transaction before you get your heart set on a short sale.

·    What you get for the money. Online house hunting is a powerful tool – especially when it’s cold and wet! But there comes a point in your house hunt where you’ve got to just get out into the actual physical homes you’re seeing online in order to get a strong, accurate sense of what home features, aesthetics and location characteristics correlate with what price points.

·    Mortgage musts. You can read a bunch of articles about mortgages and get yourself pretty far down the path toward qualifying for a home loan, but you can only get a personalized action plan for a smooth road ‘home’ by talking with a local mortgage broker and having them assess your basic financials.  They might say you need to move funds around, pay a bill down or off or produce some sort of documentation from your employer.  And the time to start all that is now.

3.    Fluff up your cash cushion. So, you’ve saved up your 3.5 percent down payment. Perhaps you saved a little extra for closing costs.  Or maybe you’re even one of those uber-aggressive 20-percent-down-ers.  No matter how much you’ve saved, you’ll find that you could use more once you activate your home buying action plan. Mark my words – after closing, you’ll crave extra cash to do some repairs, upgrade a couple of things, buy appliances or even just to hold onto in order to minimize your anxiety about depleting your savings!  

So, if homebuying is on your personal 2012 action plan, don’t go hog wild on holiday gifts. Instead, wait until next year and give yourself the gift of a home.

4.    Shed some stuff.  Sell it. Donate it. Give it to relatives who’ve always coveted it.  Just get rid of it. If you do it before year’s end, you can kill three birds with one stone: (a) getting some cold hard cash to go toward your savings, (b) getting some tax receipts so you can deduct the value of your donations in January, (c) minimizing money spent on holiday gifts for loved ones and these two bonus birds – clearing the mental clutter that physical clutter creates and prepping for your move in advance.

5.    Sit very, very still.  Sometimes, the best way to further our goals is to stop tripping ourselves up.  In that vein, commit right now to refrain from making any major financial moves until you buy your home.  Don’t quit your job to start that personal chef business (yet), don’t pull a bunch of cash out of your savings account (without getting clearance form your mortgage pro first), and don’t start buying cars and boats on credit – even if you do love the idea of putting the red bow on the car you give your wife, like in the commercials. 

I assure you, the bow you’ll be able to put on that house or condo will be much bigger, redder and more tax-advantaged!

Toys for Tots at Badlands Motocross Track -TOMORROW!

Looking for a new way to give this season?  Join the racing crew at Badlands Motocross Track tomorrow in Celeste, TX for “Toys for Tots” and watch some pretty amazing Motocross Racers.  You do NOT have to race to join in on the fun!  Contact me for additional questions.  The track is also for sale for $499,000.  ALL equipment will convey with acceptable offer.  

View my website for more details on the track itself:  www.TheFastestGrowingCityinTexas.com 

-Amy S. Arey, Realtor * Halo Group Realty, LLC * 214.901.1341 * AA@SuburbanStreetsRealtor.com 

211 Motocross Track for Sale on 20 Acres near Lubbock, TX

Click here to see more pictures and detailed information. http://listingstoleads.com/virtualtour/pan_zoom/slideshowpro.swf Schedule a Showing Free List of Foreclosed Homes For Sale What is your home worth? Search All Homes For Sale Homes Close to Where You Work Frisco, TX Homes for Sale Allen, TX Homes for Sale Fairview, TX Homes for Sale Mckinney, TX Homes for Sale Amy Arey Halo Group Realty, LLC 214-901-1341 aa@suburbanstreetsrealtor.com L2L Virtual Tours