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Credit Secrets

So the battle continues. Not many individuals have the opportunity to observe first hand the tremendous disparity in credit profiles based race. I'm one who during the hayday of shakey mortgage originations simply kept my mouth shut and took a don't ask, don't tell position. Who really cared? The money was always green. Find Out More...Click Here!

Now with the change in economic climate, I say scream this injustice from the housetop!
Case in point; client "A" has no charge-offs, no lates in the last 2 years, 4 open trades in good standing and low remaining balances with a credit score of 540 mid score. Client "B" has recent lates and a bankruptcy discharged within the seasoning time frame. Client "B's" mid score is 608. Client "A", as you can guess is Afro-American and Client "B" is White. This same scenario is repeated constantly in the mortgage industry. Those of you with spotless credit shouldn't even consider reading this article. You haven't a clue what I'm referring to.

No one in the industry is willing to touch this topic with a ten foot pole, yet anyone who has originated mortgages for any length of time knows that this is a standard for the industry. Now with the sub-prime meltdown, I have seen a increase in the divide between the two profiles. This has become an economic disadvantage and will continue to be so unless appropriately addressed. That's my two cents!

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CREDIT REPAIR
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SCOPE: E-z step-by-step process to clean up any credit report, Complete with links to Reporting Agencies. Covers Terms, Fico Scores, CCS, Conventional/Non-conventional financing, Sub-prime. Know how to increase ratings of installment, consumer and mortgage accounts. Learn which accounts to pay and which accounts to avoid paying.
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REAL ESTATE SECURITY

Here's an article that I wrote several years ago. Since it's getting so much exposure all over the net, I decided to include it in my Real Estate Blog for those that have not seen it. Hope you enjoy the short story!

This event actually took place while I was holding an Open House at the house shown in this picture. Certainly looks like a safe enough home.

It only goes to show one thing. One can never be too overly concerned about security.

So how are you to make money in the real estate industry when you can't trust your potential buyer? Here's a few helpful hint's intended to protect your most valuable asset. YOU!

I was holding an open house on one of my rental properties when someone off the street came to the door and asked to view the property. I said, "Sure come on in." I quickly discovered this individual was one french fry short of a full happy meal. He said, as he walked in, "I'm your neighbor from down the street." I thought to myself, harmless enough. He then continued......"I just wanted to see what you were selling your house for." "By the way, do you like guns?" I thought to myself, strange question. I replied, "sure, I shoot expert on a police target?" He stated, "do you want to see one?" I said, "sure, do you have one on you?" He replied, "Yea, check this out!", then pulled a relvolver out of his jacket pocket.

I said, "WoW!, Cool!, let me hold it and check it out while you look at the house." He gave me the gun and I let him look at the house..........(true story)I tell this story to emphasis the importance of security in the real estate industry.

This story could have had a much worst ending. Here's a few helpful tips to insure that your hot new prospect doesn't become a future suspect.

1. Make sure you pre-qualify any prospect before you start working with them. I'ts important to have a working relationship with a mortgage professional that can give you on the spot responses in reference to credit, work history, rental/mortgage history on a client prior to showing properties.

2. If client is referred and no pre-qualification is warranted or available, get copies of driver's licenses and make sure someone in your office knows your schedule and estimated time of completion before showing any properties.

3. When showing property, Stay Alert! Look for anything out of the ordinary in the neighborhood and in the home. It's never a bad thing to be too cautious. Always be aware of your surroundings.

4. Try to work open houses in couples during the daylight hours. There's many new lenders and/or loan officers that would jump at the opportunity to sit in an open house and help pre-qualify buyers with you.

Keep Selling and Stay Safe!

Dick Green

Triad Mortgage and Realty

Texas Licensed Brokerdcgreen@houstonhotdeals.com

http://www.houstonhotdeals.com/

HOUSTON AIRLINES

Houston began it’s upward ascent towards the energy capital of the world in 1937 when it acquired the site of it’s first major airport, William P. Hobby Airport. As the city grew, so did it’s airport system. George Bush Intercontinental Airport was added in 1969 and Ellington Field was added in 1984. As the city continues to grow the airport systems are still growing as well.

My wife and I attended a subdivision meeting in the summer of 2005 with airport officials expressing possible expansion plans for more runways and facilities. Expansions that would affect as many as five different communities, bringing the issue of imminent domain into play for numerous Houston community residents.

The Aviator himself, Mr. Howard Hughes was originally from the Houston area. He was attending Rice University at the age of eighteen when his father passed away leaving him as heir to a tidy fortune. Like many individuals at that age would do, he dropped out of school shortly there after. There’s a historic mention of the City of Houston attempting to name the Municipal Airport after him until they found out that they, (the city), would lose out on some federal funding if they decided to name it after a living individual.

REAL ESTATE APPRECIATION

As many of you know, I spend hours upon hours online and on MLS comparing price variances and market changes. One of the interesting changes that I'm starting to see on the MLS is that perspective Buyers are busting out of transactions well within the traditional, 10 day option period. If I were to assume the reason for this trend, I would say that it's apprehension about current market stability. Buyers are aprehensive about proceeding with the entire homebuying process and are canceling well within the option period. Why does this type of data seem unusual to me? Well it may mean that qualified buyers are pulling the plug rather than closing. While online searching thru the MLS, the normal trend for transactions that bust out are 20 to 30 days or more. These are usually transactions where buyers are unable to qualify for desirable mortgage products.

With the current Sub-prime melt-down, one would tend to believe that prospective buyers would be holding properties under contract for longer periods of time while shopping for acceptable financing. This does not seem to be the case as available inventory in the Houston area continues to be on the rise.

I was fortunate enough to view the Houston Real Estate market in the mid 1980's and would encourage anyone thinking of buying in Houston to rest assured that they are investing one of the nation's strongest markets. Both Fortune Magazine and an article in Business 2.0, predict that Houston's market will appreciate in the future and that now is the time to act.

What is Real Estate Appreciation?

Case in point: I sold a home in the Oakforest area 2 years ago for $164,000. The same client asked me for Comps. Even with the all the market turmoil the house's current market value is approximately $198,000 after only 2 years. Sales in the area are strong and properties are staying on the market for short periods of time. My recommendation to homebuyers wanting to purchase in the Houston area is simple. Focus on traditional strong areas such as, Rice Military, Memorial, West University, Oak Forest, Woodlands, River Oaks, Meyerland, Bellaire, Sherwood Forest, Tanglewood, and many more. Click Har MLS for extensive search.

ANNEXATION OR FRUSTRATION

Another reason for Houston’s rapid growth has been due to strip annexation. Which is the process of adding areas adjacent to a city into the city’s borders. Basically the city builds a highway to some point outside of it’s borders then claims that it owns everything on both sides of the highway.

Cities contend that annexation is a vital component of municipal development, preventing population loss and resulting urban decline. Critics state it should be limited, giving more control to residents of outlying areas to manage their own affairs. Many cities outside of Houston city limits are quite pleased with their own current city services.

I say the it's all good as long as it does'nt affect the Golf Courses.

Ship Channel

A friend once told me that I actually need to go hang out at the Port of Houston for a day. She stated that only until I watched the traffic and the activity at the port for a day or so, would I begin to understand the enormous opportunities available in the import/export industry. I'm committed to take her up on her offer one day.

But as for now I'm busy with this project....Click Here!

The main reason for Houston’s tremendous growth is The Port of Houston. The Port was a 50-mile venture of digging the port’s channel from Buffalo Bayou to the Gulf of Mexico. No other city in America can boast of such a feat. The Port of Houston processes the largest tonnage shipping of any American port. The ship channel officially opened November 10th 1914. Thousands attended the ceremony. It was marked by a 21 gun salute. In Washington, D.C. President Woodrow Wilson fired a cannon via remote control to officially mark the channel open for operations.

BAYOU CITY

Houston is nicknamed, "The Bayou City", because Buffalo Bayou is the main waterway flowing thru the city. It starts on the west side of the city and flows east to the Houston Ship Channel.
Houston was founded in 1836 by Augustus and John Allen. What began as 6,642 acres of land on the banks of Buffalo Bayou has grown to become the fourth largest U.S. city comprised of 581 square miles with more than 1.6 million people.It’s the 4th most populated city in the U.S.
Houston’s after tax living cost makes it one of the best places in the U.S. to live at approximately 12% below the national average. This is largely due to the fact that Houston’s housing cost is 26% below the national average.

For More information

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Houston, Sugarland, Baytown’s $325.5 billion Gross Area Profit (GAP) for 2006 was more than Austria’s, Poland’s or Saudi Arabia’s Gross Domestic Product (GDP). In 2006, Forbes Magazine ranked the Houston Metropolitan area as the third best places in the U.S. for businesses and careers.

Houston’s major industries are Oil & Gas, Manufacturing, Engineering, Real Estate, Medicine, Biotechnology, Aerospace, and Marine Science. There is no state or local personal income tax. Sales Tax is 8.25%. Even the horrific collapse of Enron has not prevented Houston from ranking among top three cities for investing in downtown redevelopment projects according to this report (dtd 2002).