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  • Rain, rain, go away! This girl wants to go outside and play! ☔️
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Not sure whether this was a #momwin or #momfail. Her masterpiece, the fact that she was entertained, and the breezy cleanup makes me lean more towards a Mom win! 🤔
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@crazart makes the coolest washable window markers. So, on top of putting dinner in the crockpot and finally getting closets organized, we tested these bad boys out. Maybe you saw it in my stories (maybe you even assumed), this munchkin surely missed her mark several times. Guess what though, it doesn't matter, because they clean up so easily.
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Question is: Did I just confuse the hell out of her and am I asking for her to color on the windows now instead of paper? I guess we will have to wait and see. 🤦🏻‍♀️😂 #WorthIt
  • Rain, rain, go away! This girl wants to go outside and play! ☔️
    .
    .
    Not sure whether this was a #momwin or #momfail . Her masterpiece, the fact that she was entertained, and the breezy cleanup makes me lean more towards a Mom win! 🤔
    .
    .
    @crazart makes the coolest washable window markers. So, on top of putting dinner in the crockpot and finally getting closets organized, we tested these bad boys out. Maybe you saw it in my stories (maybe you even assumed), this munchkin surely missed her mark several times. Guess what though, it doesn't matter, because they clean up so easily.
    .
    .
    Question is: Did I just confuse the hell out of her and am I asking for her to color on the windows now instead of paper? I guess we will have to wait and see. 🤦🏻‍♀️😂 #WorthIt
  • 181 68 5 June, 2017

Latest Instagram Posts

  • For the first time since 1994, certain home sales of $400,000 and under will soon not need an appraisal after federal regulators approved a proposal to increase the threshold at which residential home sales require an appraisal.⠀
Last November, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve released a proposal that would increase the appraisal requirement from $250,000 to $400,000, meaning that certain home sales of $400,000 and below would no longer require an appraisal.⠀
The agencies deliberated the rule for nearly a year, taking into consideration the more than 560 comments the agencies received about the rule change.⠀
Last month, the FDIC and OCC signed off on the rule, but were still waiting on the Fed to approve the rule change as well.⠀
Now, the Fed has also given the rule change its stamp of approval, and with all three agencies signing off, the appraisal rule change will soon go into effect.⠀
“The appraisal threshold was last changed in 1994,” the federal agencies said in a joint statement. “Given price appreciation in residential real estate transactions since that time, the change will provide burden relief without posing a threat to the safety and soundness of financial institutions.”⠀
According to the final rule, which can be read here, the change will go into effect as soon as the final rule is recorded and published in the Federal Register.⠀
A spokesperson for the FDIC told HousingWire that the rule has been submitted to the Federal Register, adding that the publication of the rule should take place within a matter of days.⠀
⠀
If you would like to read the entire article go to our facebook fanpage www.fb.com/thedreamteamvip. If you want to explore your options please give us a call (623) 206-1074.⠀⠀
⠀⠀
#mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing
  • For the first time since 1994, certain home sales of $400,000 and under will soon not need an appraisal after federal regulators approved a proposal to increase the threshold at which residential home sales require an appraisal.⠀
    Last November, the Federal Deposit Insurance Corp., the Office of the Comptroller of the Currency, and the Board of Governors of the Federal Reserve released a proposal that would increase the appraisal requirement from $250,000 to $400,000, meaning that certain home sales of $400,000 and below would no longer require an appraisal.⠀
    The agencies deliberated the rule for nearly a year, taking into consideration the more than 560 comments the agencies received about the rule change.⠀
    Last month, the FDIC and OCC signed off on the rule, but were still waiting on the Fed to approve the rule change as well.⠀
    Now, the Fed has also given the rule change its stamp of approval, and with all three agencies signing off, the appraisal rule change will soon go into effect.⠀
    “The appraisal threshold was last changed in 1994,” the federal agencies said in a joint statement. “Given price appreciation in residential real estate transactions since that time, the change will provide burden relief without posing a threat to the safety and soundness of financial institutions.”⠀
    According to the final rule, which can be read here, the change will go into effect as soon as the final rule is recorded and published in the Federal Register.⠀
    A spokesperson for the FDIC told HousingWire that the rule has been submitted to the Federal Register, adding that the publication of the rule should take place within a matter of days.⠀

    If you would like to read the entire article go to our facebook fanpage www.fb.com/thedreamteamvip. If you want to explore your options please give us a call (623) 206-1074.⠀⠀
    ⠀⠀
    #mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing
  • 5 0 28 September, 2019
  • Here are some of the benefits when refinancinf your home:⠀
1) Lower monthly payments. It is true that the house is the biggest asset a person can have. But it is also true that the monthly payment for mortgage is the biggest eater of monthly budget. So, would it be better if homeowners have the choice of lowering down the monthly payment? Refinancing is the best way to do it, since refinance will adopt the current interest rate. Every borrower knows that he or she is paying big on interest rate especially during the first half of the term. If refinanced, the old rate with higher monthly payment is replaced by new and lower rate that equates to lower monthly payment.⠀
2) Changing from fixed-rate to adjustable rate. Interest rates influence the fees homeowners pay monthly. There are two kinds of interest rates used in mortgages: fixed-rate and adjustable rate. When the rates are low, the adjustable rate mortgages are the most desirable. Meanwhile, if the interest rates are high, fixed-rates can be more ideal option. So if the homeowner has applied for fixed-rate loan and the interest rate have suddenly went down, changing from mortgage fixed-rate to adjustable rate is the best option.⠀
3) Option to shorten the length of mortgage.  Mortgage refinance would allow homeowners to change the length of mortgage. For instance: A homeowner is on the 7th year of payment on a 30-year term, with mortgage refinance, he can switch to shorter terms and opt either for 10, 15, or 20 years. ⠀
4) Extra cash. Using refinancing, a homeowner can access extra cash through the equity he has built. This is helpful in remodeling the house or paying for other things. ⠀
⠀
If you want to explore your options please give us a call (623) 206-1074.⠀
⠀
#mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing.
  • Here are some of the benefits when refinancinf your home:⠀
    1) Lower monthly payments. It is true that the house is the biggest asset a person can have. But it is also true that the monthly payment for mortgage is the biggest eater of monthly budget. So, would it be better if homeowners have the choice of lowering down the monthly payment? Refinancing is the best way to do it, since refinance will adopt the current interest rate. Every borrower knows that he or she is paying big on interest rate especially during the first half of the term. If refinanced, the old rate with higher monthly payment is replaced by new and lower rate that equates to lower monthly payment.⠀
    2) Changing from fixed-rate to adjustable rate. Interest rates influence the fees homeowners pay monthly. There are two kinds of interest rates used in mortgages: fixed-rate and adjustable rate. When the rates are low, the adjustable rate mortgages are the most desirable. Meanwhile, if the interest rates are high, fixed-rates can be more ideal option. So if the homeowner has applied for fixed-rate loan and the interest rate have suddenly went down, changing from mortgage fixed-rate to adjustable rate is the best option.⠀
    3) Option to shorten the length of mortgage. Mortgage refinance would allow homeowners to change the length of mortgage. For instance: A homeowner is on the 7th year of payment on a 30-year term, with mortgage refinance, he can switch to shorter terms and opt either for 10, 15, or 20 years. ⠀
    4) Extra cash. Using refinancing, a homeowner can access extra cash through the equity he has built. This is helpful in remodeling the house or paying for other things. ⠀

    If you want to explore your options please give us a call (623) 206-1074.⠀

    #mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing .
  • 11 0 17 September, 2019
  • I walked into my kitchen and heard water drops, went into the laundry room and saw this. My ceiling is leakking and by the looks of it... it has been for awhile. A year ago I had the same problem in my kitchen and my landlord had a company come out and replace my roof and some of the boards... looks like they did a great job! It took 8 mos to get it fixed last time... .
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#landlordproblems #rentersproblems #needtomove #irritated #alwayssomething
  • I walked into my kitchen and heard water drops, went into the laundry room and saw this. My ceiling is leakking and by the looks of it... it has been for awhile. A year ago I had the same problem in my kitchen and my landlord had a company come out and replace my roof and some of the boards... looks like they did a great job! It took 8 mos to get it fixed last time... .
    .
    #landlordproblems #rentersproblems #needtomove #irritated #alwayssomething
  • 8 1 12 September, 2019
  • Most home 🏠 insurance covers sudden and accidental water 💦 damage; from an over flowing bathtub 🛁 on the second floor to a burst pipe in your kitchen. And don't forget the water back-up coverage! Water backup damage occurs when a drain or sewer backs up, forcing water into your home! 🤢 This includes damage to your home and your belongings.

Coverage applies only to your belongings if you rent. Imagine the neighboring unit having water damage that runs into your unit! 😱 It happens more often than you know.

Protect your home and your belongings ❤ Be sure that your current policy includes water damage & water back-up coverage. Not sure? We can review your policy at no cost and no obligation. Send us a message or give us a call @ 281-377-8309.

Don’t have insurance yet? What are you waiting for!? Give us a call today! 🏠❤️🙂
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#peaceofmind
  • Most home 🏠 insurance covers sudden and accidental water 💦 damage; from an over flowing bathtub 🛁 on the second floor to a burst pipe in your kitchen. And don't forget the water back-up coverage! Water backup damage occurs when a drain or sewer backs up, forcing water into your home! 🤢 This includes damage to your home and your belongings.

    Coverage applies only to your belongings if you rent. Imagine the neighboring unit having water damage that runs into your unit! 😱 It happens more often than you know.

    Protect your home and your belongings ❤ Be sure that your current policy includes water damage & water back-up coverage. Not sure? We can review your policy at no cost and no obligation. Send us a message or give us a call @ 281-377-8309.

    Don’t have insurance yet? What are you waiting for!? Give us a call today! 🏠❤️🙂
    .
    #peaceofmind
  • 8 2 4 September, 2019
  • There are few purchases in life that carry the financial and psychological weight of buying a home.  Whether you are buying your first home, moving up to your dream home, or downsizing your home and your life after the kids have gone, it is important to understand the ground rules for success in the world of buying a home.⠀
Making the wrong decision in buying a home can have devastating and long lasting effects, while making a wise decision in home buying can greatly enhance the overall value of the investment.  It is necessary to learn all you can about the world of home buying and mortgages before setting out to purchase the home of your dreams.⠀
When buying a home it is often best to use a systematic approach as this is often the best way to be sure that all decisions are based on information and reason, not on impulse or emotion.  Buying a home can be an emotional process, nevertheless it is imperative to keep your emotions under control and not let them cloud your judgment.⠀
There are five basic ground rules when it comes to buying a home and shopping smart, and they are:⠀
⠀
1 – Get your financing before you get your home⠀
2 – Look at the community, not just the home⠀
3 – Be fair with your first offer⠀
4 – Always get a home inspection⠀
5 – Do not alienate the sellers of the home⠀
⠀
If you want to read the full Article go to our Facebook page fb.com/thedreamteamvip⠀
If you are looking to purchase a home, send us a DM!⠀
⠀
#mortgage #rentersinsurance #rentersproblems #lender #broker#agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker#RealEstate#DreamHome #StopRenting#Realtor #YouDontKnowUntilYouTry #Agentedebienesraices#DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing
  • There are few purchases in life that carry the financial and psychological weight of buying a home. Whether you are buying your first home, moving up to your dream home, or downsizing your home and your life after the kids have gone, it is important to understand the ground rules for success in the world of buying a home.⠀
    Making the wrong decision in buying a home can have devastating and long lasting effects, while making a wise decision in home buying can greatly enhance the overall value of the investment. It is necessary to learn all you can about the world of home buying and mortgages before setting out to purchase the home of your dreams.⠀
    When buying a home it is often best to use a systematic approach as this is often the best way to be sure that all decisions are based on information and reason, not on impulse or emotion. Buying a home can be an emotional process, nevertheless it is imperative to keep your emotions under control and not let them cloud your judgment.⠀
    There are five basic ground rules when it comes to buying a home and shopping smart, and they are:⠀

    1 – Get your financing before you get your home⠀
    2 – Look at the community, not just the home⠀
    3 – Be fair with your first offer⠀
    4 – Always get a home inspection⠀
    5 – Do not alienate the sellers of the home⠀

    If you want to read the full Article go to our Facebook page fb.com/thedreamteamvip⠀
    If you are looking to purchase a home, send us a DM!⠀

    #mortgage #rentersinsurance #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #mortgagebroker #realestatebroker #RealEstate #DreamHome #StopRenting #Realtor #YouDontKnowUntilYouTry #Agentedebienesraices #DreamHomeFinderAz #houses #homesweethome #HouseForSale #decor #farmhousestyle #Trulia #Zillow #thedreamteam #vipmortgage #dmultimediamarketing
  • 11 0 22 August, 2019
  • Patiently waiting for this style fireplace to come back into fashion. 😂 Going to be lighting all the pumpkin scented candles I have in my house today in this rain cause it feels like Autumn 🍂 #rentersproblems
  • Patiently waiting for this style fireplace to come back into fashion. 😂 Going to be lighting all the pumpkin scented candles I have in my house today in this rain cause it feels like Autumn 🍂 #rentersproblems
  • 48 1 14 August, 2019
  • Whether you are just getting into a new home or are looking for a tenth investment, your credit score is important.  This plays a large part in helping you to qualify for the amount of money that you want and need.  By keeping up with your credit score, and understanding how it will tie into your investment, you can be sure to benefit from the points that you have. ⠀
Before you get involved in a loan, you will want to check your credit score in order to make sure that you will have the ability to get the loan you want.  There are three major companies that rate your credit score, giving you points for good credit and how your history has related to the credit that you have.  The companies that you can get your credit score from are Equifax, Experian, and Transunion. ⠀
Credit scores will affect the loan you get because it helps you to be pre-approved for a loan.  Lender companies will be more willing to work with you if you have a higher score.  They will also have the ability to give you a higher amount of money.  This usually means that you are responsible with keeping up with your payments, have a good history, and how you have handled things such as overdue payments.  For some, this is the only way that loans will be approved.  For others, other factors will be considered, such as financial stability, your income and job status.  Before even beginning the process of finding real estate, you should make sure that these are in the right place. ⠀
By adding up the points you can also add up the abilities that will take place with your loan.  Understanding the various elements of your credit score can help you to save money, time and to get approved for the loan that you want.  Simply adding it all together will be the place that you want to start in order to build your credibility.⠀
If you are looking into purchasing your first home, or maybe saving money by refinancing your existing mortgage, please give us a call, we’ll be happy to determine what is the best path for you based on your specific needs.⠀
⠀
#mortgage #rentersproblems #lender #broker#agent #loanofficer #loanoriginator #realestatebroker#RealEstate #DreamHome #vipmortgage #dmultimediamarketing
  • Whether you are just getting into a new home or are looking for a tenth investment, your credit score is important. This plays a large part in helping you to qualify for the amount of money that you want and need. By keeping up with your credit score, and understanding how it will tie into your investment, you can be sure to benefit from the points that you have. ⠀
    Before you get involved in a loan, you will want to check your credit score in order to make sure that you will have the ability to get the loan you want. There are three major companies that rate your credit score, giving you points for good credit and how your history has related to the credit that you have. The companies that you can get your credit score from are Equifax, Experian, and Transunion. ⠀
    Credit scores will affect the loan you get because it helps you to be pre-approved for a loan. Lender companies will be more willing to work with you if you have a higher score. They will also have the ability to give you a higher amount of money. This usually means that you are responsible with keeping up with your payments, have a good history, and how you have handled things such as overdue payments. For some, this is the only way that loans will be approved. For others, other factors will be considered, such as financial stability, your income and job status. Before even beginning the process of finding real estate, you should make sure that these are in the right place. ⠀
    By adding up the points you can also add up the abilities that will take place with your loan. Understanding the various elements of your credit score can help you to save money, time and to get approved for the loan that you want. Simply adding it all together will be the place that you want to start in order to build your credibility.⠀
    If you are looking into purchasing your first home, or maybe saving money by refinancing your existing mortgage, please give us a call, we’ll be happy to determine what is the best path for you based on your specific needs.⠀

    #mortgage #rentersproblems #lender #broker #agent #loanofficer #loanoriginator #realestatebroker #RealEstate #DreamHome #vipmortgage #dmultimediamarketing
  • 5 0 31 July, 2019