We are thankful for our men and women of service and remember them continuously.  Veterans also hold a special observance and admiration for their service and valiant efforts.  Veterans in the state of Texas that are wheelchair enabled or with special needs can finance through the VA (Veterans Administration).  When considering looking at homes it is important to make sure the dwelling qualifies for any monies that the administration may provide for remodeling if the veteran is wheelchair enabled.  I will guide you through the VA rules for single family homes, condominium and townhouses that will assist in the future home purchase in Houston.

RAMPS AND WALWAYS

Most homes must have two ramps and/or walkways that are:

Suitable for ingress and egress.

Area at opposite ends of the home.

At least one of the two ramps must:

Be freewheeling needing no mechanical device to move the wheelchair between levels.

Provide a direct means of emergency egress from the adaptive bedroom area.

Be clear of potential fire hazards.

Ramps and walkways must be:

Permanently installed

Covered with adequate overhang for protection against inclement weather.

A minimum of 3 feet 6 inches wide for existing construction.

A minimum of 4 feet for new construction.

Slope of ramp, walkway and driveway

The ramp, walkway and driveway must have a slope of 8% less.  The calculation for an 8% slope is: for every 1-inch of rise (height) there must be 12.05 inches of run (length).

Lifts and elevators

If a mechanical device is needed to move the wheelchair from one level to another, a battery or generator back-up unit must be installed.

Treatment of walkways and ramps

Non-slip finish will include, but is not limited to broomed finishes of concrete surfaces, built in electric coils (¼ inch spacing between decking boards), and metal grating.

Ramp and Curb Guards

The ramp or walkway must have curbs or guards if a handrail is installed.  The curbs must be on both sides of the ramp or walkway, a maximum height of 5 inches, and have weep holes for drainage.

The guards must be a maximum of 5 inches, a minimum of 1 inch drainage space between the ramp/walkway deck and the bottom edge of the guard.

Connecting walkways and ramps to garages and carports

Walkways and ramps must be installed if the garage or carport is detached from the home and be covered to protect the veteran from exposure to inclement weather.

Ramp and walkway handrails

The ramp or walkway must have a handrail if a hazard is observed.  The handrail must:

• Be installed on both sides of the ramp or walkway.
• Be a height of 2 feet 6 inches to 2 feet 8 inches.
• Have a Hand Grip of 1-1/2 inch to 2 inches in diameter.
• Be a minimum of 1-1/2 inch to maximum of 2-inch clearance from any mounting surface.
• Be smooth, continuous, and uninterrupted in the vertical or horizontal plane.
• Be turned down or turned into the parallel wall to avoid dangerous projections.
• Extend a minimum of 1 foot beyond the end of any stairway or ramp ending.

Ramp and walkway platforms

The ramp and walkway platforms must:

• Be provided at all wheelchair entrances.
• Be equal in height to the house floor level at wheelchair entrances.
• Be a minimum of 5 foot by 5 foot in size.
• Be constructed of non-slip materials.
• Be provided every 30 feet of the ramp or walkway.
• Be provided at any 90-degree turn in the ramp or walkway.
• Be reasonably level with a maximum slope of 1/8 inch per foot for drainage.
• Have a clear area of 1 foot 6 inches of width beside the door entrance opposite the hinge.
• It must be unobstructed.

DOORWAYS

All doorways, including patio doors that are wheelchair ingress/egress passageways must be:

·         Be a minimum of 36 inches wide.

·         Must be easy to open.

·         Note: a patio door must be the minimum width of 7 feet wide to accommodate the 36 inch opening.

·         If there is a threshold installed, it must be beveled and have a maximum height of ½ inch.

·         If there is a mailbox and/or a door bell installed they must be mounted at the height not less than 3 feet and not more than 3 feet 9 inches.

·         A variation to the width of the doorway requirement is the minimum width of 32 inches allowable if it is not feasible to widen the doorway to 36 inches in width.

·         Ingress/egress doorways to wheelchair ramps or walkways must always be a minimum of 36 inches wide with no allowable variation.

HALLWAYS

• Hallways must have a minimum width of 48 inches.  If the minimum width is not feasible to obtain then a variation of width of 42 inches may be allowed with a waiver.

• Turns from the hallway into any rooms, including bedrooms and/or bathrooms, must have sufficient space for safe unobstructed maneuvering of the wheelchair.

BATHROOMS

Important! At least one bathroom must be conveniently located near the veteran’s bedroom. 

Bathroom flooring area must:

• Have a minimum 5-foot turn radius to provide for wheelchair maneuverability.
• Have a minimum 4-foot clear area in front of all fixtures.
• Have flooring that is non-slip under both wet and dry conditions (More than 60% non slip surface).

Bathroom toilets must have:

• A 3 foot unobstructed access to the side of the toilet for ease and safe transfer from the wheelchair.
• A 4 foot unobstructed area in front of the toilet for wheelchair access.
• Must have armrests.
• A suitable back support.

Bathroom toilets must have grab bars that are installed at the side and rear and must:

• Be a minimum of 1-1/2 inch diameter.
• Support a minimum dead weight of 250 lbs.
• At a minimum of 2 feet 9 inches high or at a height that is convenient to the veterans needs.
• Be installed with a minimum of 1-1/2 inches to a maximum of 2 inches of clearance from the inside of the bar to the mounting surface.
• Extend the total length of the toilet plus extend 12 inches past the front of the toilet on the side wall.

Bathroom vanities and sinks

Note: In most cases the sink is included as part of the vanity countertop.  Pedestal or wall hanging sinks are allowed provided there is a minimum of a 4-foot unobstructed access to the fixture.

Vanities and sinks must:

• Be a minimum height of 2 feet 3 inches and a maximum height of 2 feet 10 inches.
• Be a minimum depth of 2 feet and a maximum depth of 2 feet 3 inches.
• Have a 3 foot wide knee space under the vanity and sink for wheelchair access.
• Have a 4 foot unobstructed area in front of the vanity and/or sink to allow the veteran easy wheelchair access for personal hygiene needs.
• Have rounded corners on vanities.
• Have plumbing wrapped or covered to prevent the veteran from abrasions or burns upon contact.
• Have a GFI (ground fault interrupt) electrical outlet located for easy access to the veteran while seated in the wheelchair.

Bathroom medicine cabinets

Medicine cabinets must:

• Be installed at a height and location to allow easy access to the veteran while seated in the wheelchair.
• Have adequate drawers and storage space for the veteran’s personal hygiene equipment and supplies.

Bathroom mirrors

Bathroom mirrors must:

• Be lowered or tilted to accommodate a veteran while in the seated position.
• Be a maximum 3 foot height to the bottom edge of the mirror.

Bathroom Passage Doorways

Passage doorways to the bathroom must:

• Have a minimum opening of 36 inches.
• Be a pocket door or if a swinging door is installed it must swing out of the bathroom.
• Not obstruct wheelchair maneuvering when open.

Bathroom Roll-In Showers

If a roll-in shower for new and existing construction is built on site it must have:

• A floor drain with a 2 inch diameter.
• The floor drain installed at the rear of the shower stall.

Pre-manufactured roll-in shower stalls for new and existing construction must have:

• A floor drain with a minimum of 1-1/2 inch diameter.
• A 2 inch floor drain must be installed if it is possible to install and/or an option of the manufacturer.

Roll-in showers for new and existing construction must:

• Have non-slip flooring.
• Cannot have a curb installed to separate the shower from the rest of the bathroom floor.

Remember however…a built-in bench is a veteran’s option, it is not an MPR requirement.

Bathroom Shower Head

The shower head must be:

• Hand held
• On a sliding bar

Water Control Lever

The water controls must:

• Be accessible from the wheelchair for the water temperature control.
• Be single lever.
• Have thermostatic or pressure-balance control to avoid sudden changes in water temperature.

Shower Grab Bars

Shower grab bars must:

• Be installed on three walls of the shower.
• Be a minimum of 1-1/2 inch diameter.
• Be installed approximately 2 feet 9 inches high or at a height that is convenient to the veterans needs.
• Support a minimum dead weight of 250 lbs.
• Be installed with a minimum of 1-1/2 inches to a maximum of 2 inches of clearance from the inside of the bar to the mounting surface.

Note: In some application the veteran may request that a bar is vertically installed.  This is an option of the veteran and is allowable if used in conjunction with the horizontal bar application.

Bath Tubs

There must be a 4 foot clear unobstructed area to the side of the tub.  The bath tub transfer platform must be:

• The width of the tub and a minimum of 18 inches in length.
• Installed at the rear of the tub.
• Of a height that allows ease of transfer from the wheelchair.

Bath Tub Faucets

Bathtub faucets must be:

• Accessible for water temperature control both, when in the wheelchair or immersed in the water.
• Thermostatic or pressure-balance controlled to avoid sudden changes in water temperature.

Bath Tub Grab Bars

Grab bars must be:

• Be installed on the rear and side walls of the tub.
• Be a minimum of 1-1/2 inch diameter.
• Be installed at a height that is convenient to the veterans needs.
• Support a minimum dead weight of 250 lbs.
• Be installed with a minimum of 1-1/2 inches to a maximum of 2 inches of clearance from the inside of the bar to the mounting surface.

Note: In some application the veteran may request that a bar is vertically installed.  This is an option of the veteran and is allowable if used in conjunction with the horizontal bar application.

KITCHENS

Ovens

Ovens must:

• Be installed at a level convenient for the individual veteran while seated in the wheelchair.
• Include a built-in range with open space underneath for wheelchair access and controls towards the front.

Free Standing Range

A free standing range must:

• Be located at the end of the row of cabinets.
• Have controls towards the front.

Note:  Each veteran has individual needs and the SAH Agent must research and be considerate of those needs.  Some variations of MPRs are allowable with the proper waiver request.

Kitchen Sinks

Kitchen sinks must:

• Have a minimum of a 3 foot wide opening under the sink for wheelchair access.
• Be a shallow depth so not to restrict the veteran’s access with a wheelchair.
• Separate disposal sink offset so the disposal will not restrict the veteran’s access with a wheelchair.
• Wrap or cover plumbing to protect the veteran from burns and abrasions.

Facets must:

• Be single-lever control.
• Have a hose and sprayer.

Kitchen Appliances

Special appliances to aid the veteran must be included in the kitchen. (i.e. dishwashers, food warmers, microwaves, etc.)

Refrigerators must be:

• Double door, side-by-side refrigerator/freezer combination.
• Located to allow for unobstructed access when the door of the refrigerator is open.

ELECTRICAL REQUIREMENTS

Electrical Outlets

Electrical outlets must:

• Be a minimum height of 18 inches.
• Have an unobstructed access from the wheelchair.

Wall Switches

Wall switches must:

• Be a maximum height of 48 inches.
• Have an unobstructed access from the wheelchair.

In an existing home, outlets, switches, and thermostats can remain at the existing location, as long as the veteran can access them from the wheelchair.  If the switches, outlets, and thermostats are moved for remodeling or a new addition, the relocated fixtures must be installed at the 18 inch and 48 inch height.

Electrical Utility Boxes

• In new homes the electrical utility boxes must be located so the veteran has unobstructed access from the wheel chair.  The maximum height of the top breaker is 48 inches.
• In an existing home moving the electrical utility box is an option for the veteran and can remain at the existing location.

Electrical outlets near water outlets such as bathroom vanity, bathroom tub, shower, kitchen sink, and/or laundry tub, must be GFI (Ground Fault Interrupter) type.

Garage Door Openers

Garage door openers must be automatic with direct control that is:

• Remote control, and/or
• Button control.

WINDOWS

Windows must:

• Be operational while seated in the wheelchair.
• Have a locking system that is operational while seated in the wheelchair.
• Have a maximum sill height of 2 feet 9 inches.
• Be located to allow the veteran maximum visibility to the exterior of the home.
• Have maintenance-free frames (aluminum, vinyl, steel).

FLOORING

Flooring must:

• Not impede wheelchair maneuverability.
• Have a minimum of 5 foot by 5 foot non-slip flooring inside the home at the wheelchair ingress/egress doorways.
•  

Carpeting must be:

• Closely knit.
• Low pile.
• Padded with a durable fiber type carpet pad.

Note: Because of the repetition traffic pattern of the wheelchair, most rubber carpet pads break down under the constant stress, therefore fiber pad, either synthetic or natural is required.

SECURITY AND EMERGENCY REQUIREMENTS

Smoke Detectors

Smoke detectors must:

• Be installed according to local and Federal regulations.
• Installed in the main portion of any living area in all levels of the home.
• At entrance to each bedroom.
• Meet ULS (Underwriters’ Laboratories Standard) No. 217 (hard-wired with a battery backup).

Lighting

All wheelchair exits from the home must be well lighted for security and safety.

Existing Homes

The following are acceptable for existing homes:

• Security alarms.
• Interior/exterior phone outlets.
• Intercom system.
• Carbon dioxide (CO2) unit.
• Delayed door closures.

OTHER HOUSING REQUIREMENTS

Exterior of Proposed Construction

Must be maintenance-free including:

• Siding
• Windows
• Doors

Exterior of Existing Home

• If a new addition is added you may install maintenance free materials to the existing structure to match to new addition.
• If a new addition is added it is not required to install maintenance free material if the veteran elects to match the materials of the existing home.

Heating Installations

Heating installations must:

• Meet or exceed the local and federal energy standards.
• Be adequate for healthful and comfortable living conditions.

Note: It may be necessary for some veteran’s to add zoned heating or additional heating to some rooms of the home.

Thermostats

Thermostats must:

• Be installed at a maximum height of 48 inches.
• Have an unobstructed access from the wheelchair.

Air Conditioning Systems

Air-conditioning is not a required adaptation, however, a veteran’s disability may dictate the need for air-conditioning.  It is the veteran’s option to decide to install central or individual room air-conditioning units.

CONDOMINIUM AND TOWNHOUSE REQUIREMENTS

• At least one suitable means of access must be provided to furnish the veteran with level ingress and egress from the condominium or townhome.
• If the structure does not provide one level means of access to the unit, ramps, ramp platforms, lifts, and elevators may be utilized to eliminate any elevation difference between interior and exterior floor levels.
• If the unit is located above the first floor, a single SAH qualified exit may be acceptable.
• The condominium or townhouse must be accessible to fire fighting and evacuation equipment from the exterior of the unit.  No unit can be located higher than the highest ground emergency evacuation ladder system.  The SAH agent must check with the fire department to confirm the height of the evacuation equipment.
• The location of the veteran’s unit must be registered with the local fire authority and emergency rescue units.
• If the veteran is bedridden, the interior emergency access of the condominium or townhouse must contain an externally mounted electrical device that when activated from the inside will aid fire or emergency rescue personnel to locate the veteran’s unit.
• The bedroom window of the unit must be sufficient size to allow access by emergency personnel and have exterior markings to show the location of the bedroom.
• Veterans are encouraged to purchase a unit with a balcony that is accessible to emergency personnel.

Note: All other specially adapted features will be required under this variation, with the exception of the requirement for two emergency exits.

Let me show you the way...

I understand that finding your new home is just one of the tasks that face you when you're purchasing a new house. I can assist you in the home buying process which includes offer negotiations, assisting in the inspection and negotiations process after inspections. Beat other home buyers to the hottest new homes for sale in Houston with my New Listings Notifications. You'll receive updates via email to the properties that match your search criteria in the Greater Houston area. Considering selling down the road? Learn the market value of your home with no obligation. An estimate of your home's value will be sent to you by email. Receive a FREE Home Market Analysis via email with up to 4 properties that have sold in the last six months.

Sincerely,

Diego E. Jaramillo
Realtor, ABR, e-Pro
Keller Williams Houston Metropolitan
Cell: 832-282-2069 
Online at www.HoustonHeritage.com 

Request a Free Market Snapshot!

"Because my business is primarily based on referrals, I thank you in advance for your endorsement. If you or anyone you know are considering buying or selling a home, please think of me."

Buyers usually debate between conventional and FHA financing when purchasing a home.  Sellers are usually on pins and needles during the appraisal period waiting on a confirmation on their home valuation by an appraiser.  This Friday marks an important date for HVCC – Home Evaluation Code of Conduct.  The regulation is effective May 1, 2009 with possible delays (hopefully).  What is the HVCC you may ask yourselves?  In short, it establishes guidelines for appraisals made for conventional financing.  For those that qualify for FHA financing, this will be another incentive for going FHA.

What is Important about May 1, 2009

You may wonder, what is done now in comparison to what is to change on May 1^st?  At present, a contract is executed and a due diligence period beings.  Several things should theoretically occur during the coined ‘Option Period’ including: inspections, survey, appraisal, negotiation for repairs and of course financing.  A lender will not lend money unless the property appraises for the selling price (at least).  It isn’t uncommon however for large institutions to have an appraisal from other locations due preliminary appraisals even though they have no working knowledge of the area.  I had a client once who we had to request for a different appraisal because the lender had hired an appraisal company out of San Antonio to do an appraisal in an up and coming neighborhood in Houston.  Well….times will be changing for conventional appraisals…

The Skinny on HVCC – Home Valuation Code of Conduct

• No one associated with the financing transaction (loan officer, processor, etc) can attempt to influence (or bribe) an appraiser to establish market value on a property.
• Appraisers cannot establish preliminary appraisals or value information prior to the completion of the ENTIRE appraisal report.  Realtors, loan officers or lenders can no longer have an appraiser establish a particular value before a full appraisal report. This was usually done when sellers wanted to make sure that their homes would appraise just before selling their home.
• An appraiser may be provided an executed purchase contract to establish contributions, concessions, and establish property deficiencies from Seller Disclosure Statements. However, they cannot be provided information from the lender or interested parties regarding borrower’s expected or anticipated loan amount, loan to value or estimated property value at the time the appraisal has been ordered.
• An appraiser cannot be removed from an approved appraiser listing without the written notification to the appraiser which must include explanation of the illegal conduct in violation of the Uniform Standards of Professional Appraisal Practices (USPAP), substandard performance or unprofessional behavior.  This does not include of course if the appraiser is not familiar with your area and provides only the basic required comparable information to the lender.
• Lenders (and buyers) are no longer permitted to obtain a 2^nd appraisal – even if it is to assure their confidence.  The exception would be if there is reasonable basis to believe that the first appraisal is flawed, tainted or if being conducted for a pre-closing or post-funding review via a quality control process.
• Borrowers must receive a copy of the appraisal report immediately upon its completion but not less than three days PRIOR to closing.  A buyer may waive this right (although you are always encouraged to have a copy of your appraisal report…after all…you’ve paid on average $350 for it).
• The lender or their authorized party must select, retain and provide payment for all compensation paid to appraiser.  A lender cannot accept an appraisal if the appraiser is compensated by anyone other interested party to the transaction.  Simply put, you won’t be able to select your appraiser as a buyer – the lender must select and pay it.  You will however be charged as part of your closing fees.
• Loan production staff (loan officers, originators, etc) cannot suggest, request, influence or communicate with the choice of appraiser used on any particular appraisal.
• Lender is responsible for making sure the selection of an appraiser for a transaction is separated from loan production staff.  Lender employee assigned to select appraiser must be qualified in the area of real estate appraisals.
• A lender cannot obtain appraisal reports to be used for underwriting from any appraiser who is employed or jointly owned by the lender, affiliate, entities owned in part or fully, settlement service providers with interest, appraisal management agency owned in part or fully by the lender.  However, it is ok if the lender owns less than 20% interest in the affiliates and affiliate is operated independently.  The lender cannot play a role in the appraiser selection process.
• The lender must establish a hotline and email address monitored by General Counsel, Chief Compliance Officer or other officer to receive complaints from appraisers, individuals and other entities concerning improper influencing and violations.
• Any appraiser selected from an appraiser list must be provided with a hotline number and email address as well as each borrower for which the lender requests and provides a copy of the appraisal.
• Lender must respond to complaint requests within 72 hours, complete investigations within 60 days and notify the Independent Valuation Protection Institute of any relevant regulatory bodies of improper conduct or violations.
• The lender is required to test, by quality control, 10% of the appraisals and valuations used to make underwriting decisions and must report findings to the Independent Valuation Protection Institute.
• The lender is responsible for warranting and representing that any appraisal report used in underwriting decision was provided in manner that meets the requirements of the HVCC.

Who is Exempt from HVCC?

One thing to clarify for everyone is that the HVCC does NOT apply to FHA appraisals.  This only applies to Fannie Mae and Freddie Mac. The sale of the following mortgages is excluded from the representation and warranty: FHA/VA Mortgages, Section 184 Native American Mortgages, and Section 502 Guaranteed Rural Housing Mortgages.

What should the Realtor and Seller do?

I recommend having a complete list of improvements with copies of receipts for all improvements made to the property since you purchased it.  You can call it your “Appraisal Package”.  This will assist us in providing the appraiser with as much information regarding recent improvements for them to do cost analysis and depreciation analysis when doing the appraisal.  Knowledge of recently sold homes is also good if an appraiser is not completely aware of the area.  Make sure you are pricing your home properly and not overly priced for the neighborhood.  Although many appraisers may go outside the immediate area of there aren’t recent comparables, some will not.  There must be at least 3 sold comparable homes within proximity and at least 1 active or pending comparable to help your cause.

Useful Download Links:

Download the Home Valuation Code of Conduct fact sheet

Download the Home Valuation Code of Conduct

Frequently Asked Questions from Freddie Mac

Information Provided By:

National Association of Mortgage Processors
Freddie Mac Website

Let me show you the way...

I understand that finding your new home is just one of the tasks that face you when you're purchasing a new house. I can assist you in the home buying process which includes offer negotiations, assisting in the inspection and negotiations process after inspections. Beat other home buyers to the hottest new homes for sale in Houston with my New Listings Notifications. You'll receive updates via email to the properties that match your search criteria in the Greater Houston area. Considering selling down the road? Learn the market value of your home with no obligation. An estimate of your home's value will be sent to you by email. Receive a FREE Home Market Analysis via email with up to 4 properties that have sold in the last six months.

Sincerely,

Diego E. Jaramillo
Realtor, ABR, e-Pro
Keller Williams Houston Metropolitan
Cell: 832-282-2069 
Online at www.HoustonHeritage.com 

Request a Free Market Snapshot!

"Because my business is primarily based on referrals, I thank you in advance for your endorsement. If you or anyone you know are considering buying or selling a home, please think of me."

Relocating can become a nightmare if you aren't prepared.  Houston boasts a large number of relocations due to its many energy and medical companies.  Knowing what to expect and being prepared for it is the best solution.  Create a list of items that you need to attend to prior to your move and stick to the plan.  This list will give you a head's up of what you should expect before relocating to Houston, TX.  Welcome to your New Home! Soon enough you'll be speaking the local lingo and having pecan pie with us on a sunny day and strolling through the many Houston attractions.

8 WEEKS BEFORE YOUR MOVE  

 * Documents:  If renting your new home, try to obtain a current credit report to give to potential landlords. If purchasing a home, be sure to check on your credit report to make sure there are no errors!   Developing a relationship with a loan officer is key prior to your relocation.  Make sure to have all your documents in order before talking to a loan officer (pay stubs, contract or job letters, 2-3 years of tax returns...etc).

* Moving:  Look into getting moving and/or storage insurance to cover your items during the move.   Plan ahead when searching for a mover in Houston.  Make sure your mover is a member of the Better Business Bureau and see how many complaints people have against them.

* Using a Mover:  First use AT&T Yellow Pages for Houston Movers, then use Yahoo and Google to get estimates from moving companies. Try to shop around as much as possible to get the best rate.    Remember however, you usually get what you pay for.  Make sure the mover is insured.

* Self Move:  Use the yellow pages or search engines to choose a rental truck to use. Uhaul is in most general locations around Houston and tend to be the most popular. Be sure to reserve it well in advance since reservations fill up quickly at certain times of the year.  

* Pets:  Check on possible quarantine and/or vaccination requirements for your pet, especially if you are moving out of state or overseas.   Look up veterinarians through yellow pages and through posting questions on Facebook, Google groups or Yahoo groups from other pet owners.

* Kids:  If you have small children, be sure to research child care options in your new area.   Please make sure the child care facility is well researched.  Asses the quality of school districts in your new area. Use my website to compare schools - Click Here.  

* Overseas:  Make sure your passport is current and valid. If you don't have one, be sure to get one well in advance.  Contact the consulate for the country you are moving to to insure that you have all proper paperwork prepared and available.  Obtain a visa if you will need one. You can talk to a consulate about the steps necessary to obtain one.  

 7 WEEKS BEFORE YOUR MOVE  

* Moving:  Make a Moving File to store receipts, records, and important papers related to your move.  A proper folder with pockets and or zipper pockets works best to store information.  It's best to be organized, especially if you are receiving a relocation allowance.

* Using a Mover:  Get in touch with a moving company and set a date for the move. Fill out any necessary paperwork, and be sure to get moving insurance if you need it.  Make sure you are able to contact your mover via phone and email.  In this day in age, the mover should have a verifiable website as well for you to research their information.  Read over any fine print before you get into contract with any mover.

* Packing:  Begin removing unwanted or unneeded items from your attic, garage, basement, or storage. Plan to donate these or sell them on Craigslist, Backpage, Livedeal or Yahoo! Classifieds.  Contact your local Purple Heart or Goodwill for tax deductible donation items. Check to make sure you have returned all borrowed items including video rentals and library books. Gather important documents (birth certificates, immunization records, insurance documents, etc...) and place them in a briefcase, strongbox, or other secure place to insure that they do not get misplaced during the move.

* Overseas:  Research the customs and laws of the country you are moving to. If you haven't been there, try to visit before you move.

6 WEEKS BEFORE YOUR MOVE  

* Documents:  Update your car registration and driver's license with your state's motor vehicle department. You may also need to notify your auto insurance.  Houston is a very commuter city so your auto insurance rate will more likely be impacted.  Also, let your insurance agent know if you will have a garage or not as that may impact your policy.  If you are purchasing, you may speak to your insurance agent about the different types of home or dwelling policies (if investment) and discuss flood insurance options.  Make sure they run a CLUE report on the property to see any previous insurance claims on the property.

* Packing:  Make item donations. Remember to collect receipts for tax purposes.  Sell your old and unwanted stuff on Craigslist, Backpage, Livedeal or Yahoo! Classifieds. Even better, hold a garage sale before you pack and post in on Craigslist, Backpage, Livedeal and your local newspaper to promote it.  Have lots of directional signs (purchase or do it yourself) available.

* Services:  Notify your dentist and doctor of your move and ask for referrals. Be sure your insurance covers the doctor/dentist in your new area.  Forward or cancel any monthly services, subscriptions or memberships.   If you have special services through certain providers, they may be transferred to your new address.

* Pets:  Make sure you have transportation arrangements for your pet. Buy a carrier on Yahoo! Shopping.  Notify your veterinarian of your move. Obtain any records for your pet, and ask for a referral.

* Kids:  Select a school for your children and arrange to transfer immunization records and transcripts. Try to visit the school before deciding if this is possible.   Drive around the neighborhoods on weekdays or weekends to have a good feel of what the neighborhood offers for your kids.

* Overseas:  Research the financial situation your new country. Open a new bank account and change your currency if necessary.   If you come with a social security number, open a small line of credit or credit card to start building credit in the United States.

5 WEEKS BEFORE YOUR MOVE  

* Moving:  Make reservations for a room at a local hotel or motel for the night before moving day. This is the best way to make sure you can get a good night's rest and a shower while all your things are packed up. Use online travel websites to make reservations online and get a favorable rate!

* Documents:  Contact utilities to cancel or transfer accounts.

* Overseas:  Research driving laws in your new country. You may need to apply for a foreign driving permit. Make sure you have current vaccination records. Make sure you receive recommended vaccinations for the country you will be moving to.  Research insurance options in your new country. Your US insurance may or may not be valid after you move and you may need to buy new insurance in your new country.

4 WEEKS BEFORE YOUR MOVE                                

* Documents:  Fill out an official change of address with the USPS.  You can also do this online through the USPS website.  Notify all important business and personal contacts of your new address. Fill out changes of address for creditors and magazine subscriptions. Leave a forwarding address with the next tenants of your home if possible.

* Self Move:  Buy boxes and packing materials.   Your local Wallmart and Target are good choices for affordable packing materials.  Contact churches and non profits organizations to see if they have a box donation facility for you to get free boxes.  Contact local businesses to see if you can get their box surplus.

3 WEEKS BEFORE YOUR MOVE  

* Packing:  Start packing. Begin with rooms of the house you don't use as much and finish with the kitchen. Choose a room of the house to serve as a temporary storage area for packed boxes. Check out our How to Pack section for tips on how to pack like a professional!  Check into storage options for those items you cannot move immediately and may need to store temporarily.  Make an inventory of important and/or expensive items in your home as you pack. Try to take photographs of these items if possible. You may need this inventory for insurance purposes in case items get lost or damaged in the move.

* Kids:  Start involving your kids in the move. Make it exciting by having your kids pack some of their own things, and letting them figure out new layouts for their rooms.  If you have young children, arrange for a babysitter on moving day. You can concentrate on the move knowing your kids are watched and safely out of the way.

2 WEEKS BEFORE YOUR MOVE  

* Moving:  If you live in a high-rise apartment or condo, be sure to reserve an elevator for the day of your move.

* Services:  Close any local bank accounts and open new ones in your new location. Try to get checks printed with your new address as soon as possible.

* Packing:  Drain gas from any gas powered equipment before you pack it up. Try to make disposal arrangements for any oil, gas, or other hazardous substances you will not be able to move, use, or throw away.

1 WEEK BEFORE YOUR MOVE  

* Services:  Service your car, especially if you're traveling to your new place by car. Search online forums for tools, services, and advice. Make sure your utitlies are on so you aren't panicking on your move date.

* Packing:  Make backup copies of important files on your computer before packing it up.  Have a party to use up perishable food items, beverages, and alcohol. Donate food items you don't consume to a shelter or food bank.

* Moving:  Confirm any travel plans or reservations you may have made for moving day (flights, hotel, rental cars, etc).

* Using a Mover:  Confirm arrangements with your moving company.

* Pets:  Pack a travel case for your pet or make proper arrangements to transport them. 

MOVING WEEK!!!!

* Moving:  Be sure to have some cash on hand for the day of the move. You may need it to tip movers, buy snacks, etc... If you are moving out-of-state, keep in mind that many businesses do not take out-of-state checks.  Most ATM machines charge between 2.50 to 3.50 for transaction fees here in Houston so cash is always best.  If you do make it to a Walgreens or CVS, you can make a purchase and debit cash using your debit card.

* Moving:  Begin cleaning your house. Make sure you defrost your refrigerator and freezer.  Do a final walk-through of your old residence, checking closets, drawers, etc. Turn off all lights, lock all doors and windows, and leave keys with your old property manager if applicable.

* Self Move:  Pick up your rental truck and any moving equipment you may need (dollies, carts, furniture pads, etc...).

* Pets:  Keep your pet confined on the day of the move. Make sure they are in a safe place away from the hubbub of the move with plenty of food and water. Consider taking a dog or cat to the kennel for the day. Introduce your pet to your new home slowly. Be sure they won't be able to run back to the old house for the first few day.

* Final Walkthrough: Please make sure you do a final walkthrough of your new home.  Make sure to take digital pictures and store them in a safe place in the event you need to reference to them at a later time.

Source: Courtesy of Yahoo.com

LET ME SHOW YOU THE WAY...

I understand that finding your new home is just one of the tasks that face you when you're purchasing a new house. I can assist you in the home buying process which includes offer negotiations, assisting in the inspection and negotiations process after inspections. Beat other home buyers to the hottest new homes for sale in Houston with my New Listings Notifications. You'll receive updates via email to the properties that match your search criteria in the Greater Houston area. Considering selling down the road? Learn the market value of your home with no obligation. An estimate of your home's value will be sent to you by email. Receive a FREE Home Market Analysis via email with up to 4 properties that have sold in the last six months.

Sincerely,

Diego E. Jaramillo
Realtor, ABR, e-Pro
Keller Williams Houston Metropolitan
Cell: 832-282-2069 
Online at www.HoustonHeritage.com 

Request a Free Market Snapshot!

"Because my business is primarily based on referrals, I thank you in advance for your endorsement. If you or anyone you know are considering buying or selling a home, please think of me."

Understanding credit is one of the most important concepts when purchasing real estate.  Buyers fail to maintain a better understanding of their individual credit scores and settle for higher interest rates when purchasing.  Knowing what to look for and how to care for credit is your first step to future purchase.

Credit Score Defined

§         A Statistical model that evaluates and compares credit data from millions of consumers which in turn applies complex mathematical formulas to determine whether a consumer will default on their loan obligation in the future. 

§         There are multiple Scoring Models for each Bureau.

§         The Models are applied to a consumers credit data within the particular bureau to try to determine whether a consumer will be a good payer or a bad payer.

Top Things To Consider About Credit

§         Each score is specific for each Bureau.

§         Score predicts chances of default.

§         Scores range from 300 to 850 for Classic FICO, 150-950 for NextGen.  Your score will become your grade in the future and turn to an A, B, C, D or F system.

§         The higher the score the less the odds of default.

§         The score is generated by analyzing the information contained in the consumer’s credit report at THAT point in time.

§         Credit-scoring software has no memory.

What The Score Means

Odds of a Consumer becoming 90 days late or more on a loan:

Score                          Odds

Above 800                   1292 to 1

760 to 799                   597 to 1

720 to 759                   323 to 1

700 to 719                   123 to 1

680 to 699                   55 to 1

660 to 679                   38 to 1

620 to 659                   26 to 1

500 to 600                   8 to 1

Below 500                   Live with Mom!

How Do People Score?

Above 780                   4%

740-780                       13%

690-740                       26%

620-690                       30%

Below 620                   27%

Did you know Texas has the lowest overall credit score average of all states at 668.

What Factors Determine A Credit Score?

·         Past delinquency.

·         The way credit has been used.

·         The age of the credit file.

·         The number of times a person asks for credit.

·         A customer's mix of credit.

Identifying Credit Score Codes:

·         Reason Codes ranked in order of importance.

·         Reason codes show where consumer lacks in scoring categories.

·         Identify items in report and try to remedy.

·         Don’t only focus on late payments when trying to increase the score.

·         Codes are a number or a letter followed by a brief description.

Breaking Down Past Delinquencies

·         The more recent the delinquency, the more of a negative effect.

·         Date of last activity determines score effect.

·         Pay-off collections in escrow, not before.

·         Past Dues destroy a score.  Bring current immediately.

·         30 day late last month worse than 60 day late 5 months ago or a 90 day 3 years ago.

·         Paying a charge-off or a lien won’t help or hurt unless it occurred  within the past 24 months.

·         Negative information is not considered in the score during the investigation.

Using Credit Wisely

·         Make sure that the credit limit is being reported on the bureau report.

·         Do not close credit cards except in certain circumstances.

·         Share outstanding debt among many cards. Below 35% of credit limit on all cards.

·         Get Sign & Travel/Flex Pay on Amex cards so it gets reported as a revolving credit account.

·         Keep Credit separate from Spouse. . .

o        One maxed, both maxed.

o        One delinquent, both delinquent.

Scores are weighted as follows:

1.      35% Payment history, collections, public records.

·         More recent, more negative effect

·         More derogatory, more negative effect.

·         Weight given pertaining to derogatory info:  Serious delinquency, charge-off, repossession, foreclosure and bankruptcy.

·         Missing low payments is better than missing high payments.

2.      30% Outstanding balances being carried on accounts.

·         Ideally should be below 35%

·         Better to be spread over a few cards rather than on one.

·         Get letters from creditor faxed stating balance.

·         Don’t pay-off while 30 days late, may not update.

·         Score does not distinguish between business and personal cards.

·         An authorized user is treated as if it’s a joint account.

·         Equifax Credit Watch.

- Protection from identity theft.

- Score simulator is great.

- ID theft insurance of $2500.

3.      15% Length of credit history.

• Hold onto old credit cards, even if the rate is not great.
• The longer the history the better.
• Piggyback off Mom.

4.      10% Types of credit.

• Mixture is best.
• 3 to 5 revolving credit cards is optimal.
• A mortgage account raises the score.
• New credit temporarily decreases the score for a month until unrated status goes away.
• Equity lines of credit are treated as credit cards when the amount is low.

5.      10% Inquiries

·         Multiple Auto and mortgage inquiries are treated as one inquiry if within 14 days of each other.

·         Inquiries affect the score for one year

·         Score is only reduced for the first ten inquiries.

·         Personal, promotional and account review inquiries don’t count.

·         Inquiries can cost between 2 and 50 points on the score.

·         30-day buffer period before mortgage and auto inquiries count.

·         Insurance inquiries don’t count.

A special thanks to:

Roger Ryman
Certifed Mortgage Planner
Prime Lending
550 Post Oak Blvd Ste. 350
Houston, TX  77027
713-446-9666 Cell
rryman@primelending.com

Let me show you the way...

I understand that finding your new home is just one of the tasks that face you when you're purchasing a new house. I can assist you in the home buying process which includes offer negotiations, assisting in the inspection and negotiations process after inspections. Beat other home buyers to the hottest new homes for sale in Houston with my New Listings Notifications. You'll receive updates via email to the properties that match your search criteria in the Greater Houston area. Considering selling down the road? Learn the market value of your home with no obligation. An estimate of your home's value will be sent to you by email. Receive a FREE Home Market Analysis via email with up to 4 properties that have sold in the last six months.

Sincerely,

Diego E. Jaramillo
Realtor, ABR, e-Pro
Keller Williams Houston Metropolitan
Cell: 832-282-2069 
Online at www.HoustonHeritage.com 

Request a Free Market Snapshot!

"Because my business is primarily based on referrals, I thank you in advance for your endorsement. If you or anyone you know are considering buying or selling a home, please think of me."

Barker Place, Houston  -  We invite everyone to visit our open house at 21-15600 BARKERS LANDING RD on April 5 from 2:00 PM to 4:00 PM.

Property information

Barker Place, Houston  -  We invite everyone to visit our open house at 21-15600 BARKERS LANDING RD on March 22 from 2:00 PM to 4:00 PM.

Property information

Willowbend, Houston (77035)  -  Announcing a lot value pricing on 4505 WILLOWBEND BLVD, a 2,022 sq. ft., 2 bath, 3 bdrm single story "Traditional". Now MLS® $150,000 USD - Great Low Price!. Large new construction two doors down!  Just minutes to Galleria & shopping (Meyer Park & Meyerland Plaza).

Property information

We sometimes accumulate products at home that we use for specific jobs and forget that they may have other uses.  One such product is Water Displacement #40 which we have so accustomed to call it WD 40!  It's many uses are quite interesting so feel free to read about this fantastic product.  I don't tend to endorse products but do enjoy seeing multi uses for products I already have at home without having to search for the next miracle product for each home use.

Water Displacement #40 began from a search for a rust preventative solvent and de greaser to protect Missile parts. WD-40 was created in 1953 by three Technicians at the San Diego Rocket Chemical Company. Its name comes from the project that was to find a "water displacement" compound.  They were successful with the fortieth formulation, thus WD-40. The Corvair Company bought it in bulk to protect their atlas missile parts. 
     
Ken East (one of the original founders) says there is nothing in WD-40 that would hurt you...' IT IS MADE FROM FISH OIL' . When you read the 'shower door' part, try it. It's the first thing that has ever cleaned that spotty shower door.  If yours is plastic, it works just as well as glass. It is a miracle! Then try it on your stovetop... It is now shinier than it has ever been before. 
 

Here are a few uses around the house for WD-40:

1) Protects silver from tarnishing.
2) Removes road tar and grime from cars.
3) Cleans and lubricates guitar strings.
4) Gives floors that `just-waxed` sheen without making it slippery..
5) Keeps flies off cows.
6) Restores and cleans chalkboards.
7) Removes lipstick stains.
8) Loosens stubborn zippers.
9) Untangles jewelry chains.
10) Removes stains from stainless steel sinks.
11) Removes dirt and grime from the barbecue grill.
12) Keeps ceramic/terra cotta garden pots from oxidizing.
13) Removes tomato stains from clothing.
14) Keeps glass shower doors free of water spots.
15) Camouflages scratches in ceramic and marble floors.
16) Keeps scissors working smoothly
17) Lubricates noisy door hinges on vehicles and doors in homes
18) Removes black scuff marks from the kitchen floor! 
19) Bug guts will eat away the finish on your car. 
20) Gives a children's play gym slide a shine for a super fast slide.
21) Lubricates gear shift on lawn mowers.
22) Rids kids rocking chairs and swings of squeaky noises.
23) Lubricates tracks in sticking home windows and makes them easier to open.
24) Spraying an umbrella stem makes it easier to open and close.
25) Restores and cleans padded leather dashboards in vehicles, well as vinyl bumpers.
26) Restores and cleans roof racks on vehicles.
27) Lubricates and stops squeaks in electric fans.
28) Lubricates wheel sprockets on tricycles, wagons, and bicycles for easy handling.
29) Lubricates fan belts on washers and dryers and keeps them running smoothly.
30) Keeps rust from forming on saws and saw blades, and other tools.
31) Removes splattered grease on stove.
32) Keeps bathroom mirror from fogging.
33) Lubricates prosthetic limbs.
34) Keeps pigeons off the balcony (they hate the smell).
35) Removes all traces of duct tape.
36) Folks even spray it on their arms, hands, and knees to relieve arthritis pain
37) Cleans and removes love bugs from grills and bumpers.
38) Protects the Statue of Liberty from the elements.
39) WD-40 attracts fish. Spray a LITTLE on live bait or lures and you will be catching the big one.
40) Ant bites. It takes the sting away immediately and stops the itch.
41) WD-40 is great for removing crayon from walls. Spray on the mark and wipe with a clean rag.
42) If you've washed and dried a tube of lipstick with a load of laundry, saturate the lipstick spots with WD-40 and Presto!  Lipstick is gone!
43) If you spray WD-40 on the distributor cap, it will displace the moisture and allow the car to start. 
44) It is good for oven burns or any other type of Burn.  It takes the burned feeling away and heals with NO scarring. 

Keep a can of WD-40 in your kitchen cabinet. Remember, the basic ingredient is FISH OIL.

Author - Anonymous

Content provided by our loan officer partner:

Ann Bennett
Nations Bankers Mortgage
ann@homeloansbyann.com
Tel: 832-594-0479

Let me show you the way...

I understand that finding your new home is just one of the tasks that face you when you're purchasing a new house. I can assist you in the home buying process which includes offer negotiations, assisting in the inspection and negotiations process after inspections. Beat other home buyers to the hottest new homes for sale in Houston with my New Listings Notifications. You'll receive updates via email to the properties that match your search criteria in the Greater Houston area. Considering selling down the road? Learn the market value of your home with no obligation. An estimate of your home's value will be sent to you by email. Receive a FREE Home Market Analysis via email with up to 4 properties that have sold in the last six months.

Sincerely,

Diego E. Jaramillo
Realtor, ABR, e-Pro
Keller Williams Houston Metropolitan
Cell: 832-282-2069 
Online at www.HoustonHeritage.com 

Request a Free Market Snapshot!

"Because my business is primarily based on referrals, I thank you in advance for your endorsement. If you or anyone you know are considering buying or selling a home, please think of me."