Archive for the 'Mortgage Help' Category
How You Can Protest Property Taxes in Brazos County
May 27th, 2011 categories: Mortgage Help
Tax assessors in Brazos County are the ones that determine your property taxes by appraising the market value of your property in Bryan and College Station. Should there be any doubt, talk to your appraisal district staff with regard to your property's value and items which don't understand. Contention can be made if you think the appraised value placed on your property is too high. Here are a few suggestions that can be of great help in achieving a successful appeal. (1) Be punctual and prepared for the hearing. Before attending your scheduled hearing, check the property information on your tax bill, specifically, the address, lot size, and number of rooms. Take notice of the appraised value of the property. Have with you every information that you might use in your protest. (2) Adhere to the facts and avoid emotional pleas. The ARB doesn't have a control over the operations or budget of the appraisal district, its tax rates, or local politics, so it is not advisable to address such topics during the presentation for it will just waste your time and will not likely help your case. (more...)| Discussion: Your Comments Please »
Possible Remedies on Brazos County Property Taxes
May 27th, 2011 categories: Mortgage Help
Property taxes are determined by a percentage of your property value. Majority of people pay their Brazos County property taxes annually without having a second thought as to how the amount due was decided. And most people pay it through their mortgage company in their monthly mortgage payments. Your property value is decided through the local tax assessor's office so GET INVOLVED! When you find yourself dissatisfied with the appraised value assigned to your property, you can make an appeal to your appraisal district regarding the remedies available to you. It is the task of the Texas Comptroller of Public Accounts to publish an explanation of the remedies available to taxpayers and procedures that must be followed in seeking remedial action. The Comptroller should also include guidance on preparing and presenting a protest. Futhermore, the legislature furnishes copies of this document and are made readily available to taxpayers free of charge. The chief appraiser of an appraisal district may give a copy of the Notice of Appraised Value mailed to property owners explaining the time and procedures used in protesting the value of their property. The chief appraiser must provide another copy to property owners that initiate protests. In the event that the...| Discussion: Your Comments Please »
Advantages of Receiving Pre-Approval In The Bryan-College Station Area
May 11th, 2011 categories: Mortgage Help
If you are looking to buy a home in the Brazos Valley it is a good idea to receive a pre-approval. A pre-approval helps you get an idea of what price home you can afford and what type of mortgage you will qualify for. Your mortgage amount will be based on the purchase price of your home, your down payment and other factors.This is helpful for anyone interested in buying a home so you do not waste your time looking at homes you can not afford. A pre-approval also confirms your ability to qualify for a mortgage based on your credit, financial, and employment information. Getting a pre-approval also shows sellers that you are serious about buying a home which may benefit you especially if there are two people making an offer on the home and one was pre-approved and one was not. The seller is able to see that the person who received a pre-approval is not waiting to receive information about obtaining finance help. If you are interested in getting pre-approved, you need to talk to a mortgage lender. If getting pre-approved is something you need or want to do contact Gwen Fay. Gwen does the mortgage work in...| Discussion: 2 Comments »
Why You Should Refinance Your Brazos Valley Home
April 27th, 2011 categories: Mortgage Help
If you do not know much about refinancing your home in the Brazos Valley, I can give you a few reasons why it is a good idea. 1. A rising mortgage payment due to an ARM loan resetting 2. Eliminating Private Mortgage Insurance (PMI) payments 3. Using home equity to fund an important purchase 4. Consolidating your first and second mortgage to reduce your overall payment 5. Consolidating credit card debt or other high interest debts If you have not had a mortgage check-up in awhile it is time to change that! It is important to stay updated on checking your mortgage every few years because you may find better options. To get some helpful answers call for a mortgage check-up! Gwen Fay 979-201-1629 Mortgage Lender Century 21 Mortgage Susan Hilton| Discussion: 1 Comment »
Foreclosure Financing for Fannie Mae Properties in Brazos County
November 25th, 2010 categories: Foreclosures, Mortgage Help
Fannie Mae foreclosures in the Brazos County become available for sale under a First Look Program which is designed to put homeowners in the home to help stabilize neighborhoods and so that homeowners do not have to compete with investors. During the First Look Marketing Period a property can only be sold to a qualified buyer. The First Look Marketing Period is 15 days after (more...)| Discussion: Your Comments Please »
Credit Scores And How They Affect YOU
November 23rd, 2010 categories: Mortgage Help
What is a Credit Score? Who decides what your Credit Score is? How does the score affect YOU with your Home Mortgage? How do you improve your Credit Score? Who do You ask for help with your Credit Score if you are wanting to purchase real estate in Bryan College Station? What is a Credit Score? Your Credit Score is a number, up to 850 that lenders, insurance companies, banks and employers use to determine your "worthiness", willingness to pay, past stability and ability to repay a loan. Your Credit Score is one of the most important things (more...)| Discussion: Your Comments Please »
