Tips Blog

How to Successfully Buy a House in a Weekend

admin — Wed, 04 Aug 2010 17:12:45 +0000

Imagine this: You’ve just accepted a job in a new city and the company has offered to fly you and your family in for a weekend to buy a house. You panic, wondering how in the world you can ever settle on a house in a new city in a weekend when you don’t know the first thing about that city. It may feel like throwing a dart in a dark room and hoping it ends up close to the target. However, you really can be quite successful if you follow a simple plan. At Carol Dochen Realtors, we do it regularly, we do it successfully and we’re happy to share our secrets with those of you (or your friend or family member) who may be crunched for time and need to find the RIGHT house quickly.

1. Do your homework. Fill your Realtor in on all of the important requirements before you arrive:

Price range – Settling on this before your search will make your search more efficient -do this by prequalifying for the mortgage.
School needs – Does your child have special needs or special interests such as the creative arts, sports, math & science or the humanities
Business needs – Do you need or want to live close to where you work?
Worship needs – How important is having a house of worship nearby?
Community amenities – Are you looking for a golf course, swimming pool or tennis club?

2. Pre-qualify for a mortgage. We are always happy to help guide our clients through this process and we always recommend that you use a local lender. We highly recommend Max Leaman at Prime Lending, but can make additional recommendations as well.

3. Bring a checkbook. You will need several checks to pay for items required at the beginning of the contract process , such as:

Credit report (~$ 25 )
Pre-payment of appraisal (~ $ 500)
Earnest money (typically 1% of sales price)
Option fee ( ~$150- 400)
Inspection fee (~$350 – 600)

4. Dress comfortably. Be ready for long, but FUN days. (We will provide drinks and snacks to make sure you are well-fed!)

We want to help create a successful weekend home search in Austin with Carol Dochen Realtors:

We are happy to assist in making hotel arrangements.
We are family friendly and are happy to have children join in the fun OR we can arrange for babysitting.
The current market in Austin is generally a buyer’s market meaning that often we can negotiate a good price. Now is a GREAT time to spend a successful house-buying weekend in Austin!
Even if you don’t buy a home on this trip , our goal is to acclimate you to Austin so that when you’re ready to purchase , you have all the right information.

It’s THAT TIME Already!

admin — Thu, 22 Jul 2010 19:46:55 +0000

You know we’re nearing the middle of summer when the Back-to-School ads begin appearing in the newspaper and on TV. Whether you’re shopping for lunch boxes for your first-grader or extra-long sheets for your college freshman, planning for Fall begins now. And, even if you’re an empty-nester, the beginning of a new school year still marks the impending changing of the seasons and affects schedules. (Just think about how traffic patterns change when school starts and how weekend football games can impact an entire community!) Knowing how to plan around school events and holidays will make sliding into Fall a breeze. We’ve compiled links to many area school calendars that just may impact YOUR life. Plan well and enjoy these last dog days of summer.

Public School Districts

Austin ISD

Dripping Springs ISD

Eanes ISD

Georgetown ISD

Hays CISD

Lake Travis ISD

Leander ISD

Manor ISD

Pflugerville ISD

Round Rock ISD

Private Schools

Austin Jewish Academy

Paragon Prep

St. Andrews Episcopal School

St. Stephens Episcopal School

Trinity Episcopal School

Colleges and Universities

Austin Community College

Southwestern University

St. Edward’s University

Texas State University

University of Texas academic

University of Texas football

Remodeling Ordinance Part II

admin — Tue, 13 Jul 2010 16:24:47 +0000

People were amazed that the June 24 City Council meeting discussion of changes to the remodeling ordinance (see our Special Edition June 21 Newsletter re-posted below) went as quickly and smoothly as it did. After years of heated discussions, including outright fights about new rules, city council members unanimously adopted new rules governing home remodeling. An alliance between two planning commissioners who had been at opposite ends of the McMansion ordinance several years ago re-focused the discussion on what was really important: making sure that remodels were done safely and to code. In the past, shady contractors were known to tear down all but a small portion of a home so that construction would be considered a re-model and could be grandfathered into the current code. That time is past.

What’s in the new law?

No more than 0.5 percent of exterior walls and supporting structural elements of an existing structure that does not comply with current code may be demolished or removed and still be considered a remodel
If a portion of a demolished structure had been in violation of code, it must be re-built in compliance with current code.
An added inspection requirement: Within seven days of an application, a city inspector will travel to a site to ensure that rules are being followed.

You can review the full text on the City of Austin website: http://www.ci.austin.tx.us/development/downloads/09_005_res_remodel_regs.pdf

—————————————————————————————————————————

Our Original Newsletter Text from June 21, 2010:

Austin City Council Sets Hearing To Discuss Amending Remodeling Code

A public hearing to consider the ordinance amending the City Code related to residential remodeling has been set for June 24, 2010, at 4 p.m., at Austin City Hall, 301 W. Second St.

If you are considering remodeling your home, you may be interested in attending this hearing. The proposed changes may affect your ability to add-on or do significant reconstruction to your home. It is anticipated that this ordinance may have a similar impact in our housing market that the McMansion Ordinance has had.

For more information about the proposed changes, the city has provided Backup Material. We will keep you informed as well.

A Summer Treasure Hunt

admin — Fri, 02 Jul 2010 16:14:41 +0000

If your summer could use a little adventure and your wallet a little cash, you might consider going on an online treasure hunt. There’s money to be found and some of it really could have YOUR name on it.

ClaimItTexas.org is the official State of Texas unclaimed property website. By exploring it, you may find old bank accounts that you forgot existed, security deposits, refunds and money from various other sources. According to the site, one in four Texans has unclaimed property. And, all you have to do is log-in with your name to launch your own hunt.

We decided to try it in our office. Within five minutes, we had logged in the names of each of our team members and we found over $1,000. It was a quick, fun diversion, and even profitable for some of us. Try it for yourself and then let us know what you find!

Tips on Applying for a Home Loan, Part II

admin — Thu, 17 Jun 2010 13:13:18 +0000

Take advantage of today’s low interest rates and buy your dream home today!! In last week’s post, we dispelled the myth that getting a loan will be difficult. You might know that a good credit score is a necessity, but there are things you may have overlooked that will better your chances of getting a loan approved. The following is Part II of our list of things you DON’T want to do when applying for a loan (see last week’s post for the first 5 dont’s):

Don’t ignore errors on a credit report. Instead, correct them as quickly as possible and then check to make sure they’ve been removed a couple months later.
Don’t make payments late on credit card bills. Credit scores drop with every late or missed payment.
Don’t forget to incorporate if you’re self-employed. Some banks won’t touch self-employed buyers.
Don’t wait to receive funds from a family member if the funds are a gift for your down payment. If funds appear in your bank account within two months of your loan application, you may have to verify where the money came from. Borrowing for a down payment will be considered a debt and will affect your debt to income ratio and your credit score .
Don’t forget to submit ALL of your paperwork to your lender immediately . Missing documents create delays in doing appraisals and getting loan approval.

If you’ve been thinking about buying a home, now may be the very best time to do so. Let’s talk!

Tips on Applying for a Home Loan, Part I

admin — Thu, 10 Jun 2010 22:20:34 +0000

Interest Rates are at the very lowest they have been in decades! These low interest rates will not be around for much longer so we urge you to consider buying right now.

Lots of people ask us what to do when they apply for a loan and what pitfalls to avoid. Here’s the first installment of a list with our pointers.

In an extremely tight lending market, you may think getting a loan will be difficult. You might know that a good credit score is a necessity, but there are things you may have overlooked that will better your chances of getting a loan approved. The following is a list of things you DON’T want to do when applying for a loan:

Don’t close bank or credit card accounts, especially if they have a high available balance. Paying off the balance and leaving the account open will do more good for your credit score than closing the account.
Don’t quit using credit cards. Even if you just charge on them occasionally, credit scores will be higher if you use your cards even occasionally.
Don’t keep a high balance on your credit cards. This becomes a red flag to lenders.
Don’t say “yes” to every credit card offer. Repeatedly applying for new credit cards can hurt your credit score by decreasing the average age of your credit history and create suspicion as every application requires a credit score inquiry.
Don’t ignore fines that are owed, even for things like overdue library books or parking tickets. All of these could end up on a credit report.

Watch for Part II coming next week!

Making Moving Easier

admin — Thu, 27 May 2010 02:01:57 +0000

Have you got a move planned for the near future, or are you helping someone who does? Check out our top 15 tips to make your move easier:

1. Keep an inventory of the number of boxes packed and what is inside each. Clearly label each box with a number and contents label.

2. Supplies, supplies, supplies – if you’re moving without the help of professional movers, or if you are doing the packing yourself and a professional is doing the actual moving, purchase more boxes, tape and packing supplies than you think you’ll need. You’ll likely want to have on hand: boxes, scissors, tape, garbage bags (both for garbage and for packing items that may not fit easily in a box such as a comforter.)

3. Ask around for used boxes – a friend, or friend-of-a-friend may have recently moved and have a garage full, just waiting to be taken.

4. Don’t pack too much in one box, making the box too heavy or unwieldy.

5. Book boxes, which can be sometimes be found in a bookstore’s dumpster, work great for packing as they are sturdy and sized so you can’t pack too much and make the box too heavy.

6. On the day of the move, we suggest wearing an apron with large pockets so that you can keep markers, tape and your packing list handy at all times.

7. Keep items together that go together: Pack wires & remote controls with the TV, picture hooks and nails can be taped to the frame, and if furniture comes apart, pack all parts together.

8. Pack ahead – pack everything you won’t need during or immediately before you move: Your out-of-season clothes, your cooking utensils (except the few you may need for the last meal or two), etc.

9. Consolidate cleaning supplies so you aren’t moving 4 half-empty containers of the same thin. For long-haul moving, you’ll need to give your half-used cleaning supplies to a neighbor and start over at your new destination. By law, moving companies won’t take chemicals. (see http://www.mayflower.com/moving/full-service-movers/moving-tips/nonallowables.htm)

10. Keep your valuable possessions & important papers with you and not on the moving van.

11. Take digital photos of the set-up of electronics such as entertainment systems so that hooking them back up at your new destination will be easier.

12. Use towels, t-shirts and soft clothing to wrap dishes – dishes, clothing and towels stay clean and can be unpacked and stored without re-washing.

13. Move on a weekday when banks, business offices and utilities are open.

14. Keep a utility log of when you’ve requested turn-off and turn-on of utilities at both locations.

15. Leave pets with a friend on moving day.

More moving tips and ideas can be found at: http://www.movers-edge.com/101-Best-Moving-Tips-s/29.htm, http://interiordec.about.com/od/moving/a/org_movetips.htm, http://www.flylady.net/pages/flying_movingtips.asp, http://www.uhaul.com/tips/, http://www.movinghints.com/

Credit Reports: Smart or Scam?

admin — Tue, 18 May 2010 17:13:00 +0000

As smart consumers, we’re encouraged to keep a close eye on our personal credit score. And even if we don’t, others we do business with will. When making major purchases, like a house or car, when looking to rent an apartment, home or office, you can bet the owner is interested in your credit score. According to AnnualCreditReport.com, your credit score “is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service.” Additionally, keeping a close eye on our credit rating may alert us to possible fraud if the reports we’re seeing don’t jive with our true financial management.

After hearing the commercial jingle on TV for FreeCreditReports.com, it seems that getting your credit report should be easy, and FREE. And, per new rules amended by the Federal Trade Commission on April 21, 2010, that should be even truer. These rules require that any advertising for a free credit report must also include a disclosure statement notifying consumers that they have a right to a free credit report and, supposedly, were put into place to avoid confusion about offers that appear to be free, but that, in reality, require that you spend money on a credit monitoring service. I decided to check it out for myself.

So, this is how it went:
I surfed to http://www.annualcreditreport.com, a service provided (supposedly free of charge) by the three largest credit bureaus in the US – Transunion, Experion and Equifax. I decided to run one of my three yearly allotted reports. I chose Transunion (it being the top of the list). I began the seemingly simple process by answering questions on the secure site. About 15 minutes later, after having to get a verification call from Transunion , I received a full report. But wait, where was my credit score? Ahhhh…..that’s where they get you. In order to get the score (which is one of the main reasons I did this exercise), I had to click another link that took me to a new website requiring me to fill out an additional form, input my credit card information and agree to a $14.95 per month service which would begin after a 7 day trial period. Since there was no other way to get the score, I opted to fill out yet ANOTHER form, and hit “agree” to the fee-driven service. Immediately after getting the magic number, I searched the site for a way to cancel. Lo and behold, a customer service phone number was all that was available. I made the call, was put on hold for the next available service rep, then was asked MORE security /identification questions. I requested that my new account be cancelled. The service rep began a series of questions about why I was dissatisfied with the service, doing her best to save the sale. Explaining that I really only wanted my credit score and wasn’t interested in credit monitoring services didn’t seem to make sense to her until I politely asked that she simply cancel my account.

I’m a bit baffled and am not sure that AnnualCreditReport.com got the memo from the Federal Trade Commission. Getting the report was fairly easy, but should getting the actual score be this difficult? If you move forward with getting a score, just be forewarned that you’ll likely need to subscribe to a monitoring service, even if you end up canceling your subscription.

The City of Austin, Texas wants a new Water Treatment Plant-Be heard on September 17th, 2009

admin — Thu, 10 Sep 2009 13:53:32 +0000

You have the opportunity to be heard regarding your opinion on securing basic utility services at a reasonable cost. A new water treatment plant can increase the desirability and future growth of Austin.

This City of Austin Town Hall meeting , open to the public, will be held on Thursday, September 17th, 2009, from 6:00-8:00 pm on the St. Edward’s campus, at the Ragsdale Center in the Jones Auditorium. St. Edward’s University is located at 3001 South Congress Avenue, Austin, TX 78704, 512-448-8400.

You may click here for a location map of St. Edward’s University in Austin, Texas:

link to map

You may click here for a campus map of St. Edward’s University

http://www.stedwards.edu/map/

Bull Creek Dog Park unable to survive the intensity of an off-leash venue

admin — Mon, 31 Aug 2009 16:55:45 +0000

Dear Neighbors,

In recent meetings of the City of Austin Parks Board and the Environmental Board environmental experts at the City presented their plan to restore Bull Creek District Park to a sound footing over the winter, while a bridge is being constructed to replace the old low-water crossing. Unfortunately, the park has been badly overrun by off-leash dogs and their owners for too long and much of the soil can no longer sustain life and Bull Creek is badly polluted.

The NWACA Board has voted to support the City’s rehabilitation plan, which is fiercely opposed by an organization of dog owners who frequent the park. The City is seeking a more suitable site for free-running dogs, but has no currently usable alternate site. This park and the creek are unable to survive the intensity of an off-leash venue. The dog-owners have submitted hundreds of signatures to keep the park open to off-leash dogs, even while swimming by people has now been banned.

A public hearing will be held jointly by the two boards tonight, August 31, 2009, at 6 pm at the Mexican-American Cultural Center (MACC), downtown at 600 River St. @ Rainey St. which is near IH-35 and Cesar Chavez, on the banks of Lady Bird Lake. Speakers from both sides will be allowed to address the Board members.

Please follow this story at nwaca.org, news 8 austin, or the PARD pages at the city web site.

COA: History of Bull Creek Problem

http://www.ci.austin.tx.us/parks/bullcreekola.htm

City presents restoration proposal for Bull Creek District Park;

August 04, 2009

http://www.ci.austin.tx.us/news/cnews.cfm?nwsid=1280

Bacteria counts force temporary closure of Bull Creek dog park

Statesman: Wednesday, August 05, 2009

http://www.statesman.com/news/content/news/stories/local/2009/08/05/0805bullcreek.html

TV: Bacteria could close Bull Creek park for 8 months

KVUE 06:21 PM CDT on Tuesday, August 4, 2009

http://www.kvue.com/projectgreen/greenarticles/stories/080409kvue_bull_creek-cb.a93b03eb.html

COA Report on Bacteria Counts:

http://www.ci.austin.tx.us/water/wildland/downloads/presentationbychrisherrington.pdf

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