Happy Thanksgiving

Perhaps it is time to recapture the importance of Thanksgiving. 

On the bicentennial celebration of the landing of the Pilgrims at Plymouth Rock, Daniel Webster on December 22, 1820, declared the following:

“Let us not forget the religious character of our origin. Our fathers were brought hither by their high veneration for the Christian religion. They journeyed by its light, and labored in its hope. They sought to incorporate its principles with the elements of their society, and to diffuse its influence through all their institutions, civil, political, or literary.”

Steve Young
RE/MAX Associates
(817) 276-5149
www.steveyoung.pro
www.steveyoungtexasrealestate.pro

Senior Real Estate Specialist

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FHA loan limits info...

Last night Congress restored the loan limits for the Federal Housing Administration (FHA) for two years.

As you might not know, in late September the FHA, Fannie Mae; and Freddie Mac loan limits were reduced in 42 states pricing potential home buyers out of the American Dream of home ownership and holding back the housing recovery. 

The National Association of Realtors and other Realtors like myself through local and State involvement immediately went to work with the goal to get the loan limits restored in Congress. For weeks that goal seemed unlikely. 

Countless other REALTORS®, leadership and management teams worked to educate Congress that well-qualified buyers didn't need yet another hurdle to access affordable mortgage financing. 

They finally listened. Because we were persistent. And because we were right.

The reinstated FHA loan limit formula and cap change will help make mortgages more affordable and accessible for hard-working, middle-class families in 669 counties in 42 states and territories, where the average loan limit reduction after the reset last month was more than $68,000. The provision reinstates the FHA loan limits through 2013 at 125 percent of local area median home prices, up to a maximum of $729,750 in the highest cost markets, the floor will remain at $271,050. However, Congress chose not to apply the loan limits restoration to Fannie Mae and Freddie Mac. Fannie-and-Freddie-backed mortgages will remain at 115 percent of local area median home prices up to $625,500. 

The bill also provides for a short-term extension of the National Flood Insurance Program through December 16, 2011. We will continue to press Congress to use the additional time to complete their work on a five-year re-authorization of the program, which ensures access to affordable flood insurance for millions of home and business owners across the country.

I know that when we the Real Estate and private sector communities work together, we can accomplish anything we set our minds to in order to preserve, protect and defend the American Dream of Home Ownership. 

Steve Young
RE/MAX Associates
(817) 276-5149
www.steveyoung.pro
www.steveyoungtexasrealestate.pro

Senior Real Estate Specialist

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Happy Thanksgiving!

To all my web site family, Wishing you and your family a happy Thanksgiving and hoping you have lots to be thankful for this year. Sincerely, Steve Young Have a Blessed Thanksgiving From Steve Young with RE/MAX

Steve Young
RE/MAX Associates
(817) 276-5149
www.steveyoung.pro
www.steveyoungtexasrealestate.pro

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Thank you Veteran's

This is one of my favorite pictures, a greeting card sent from my Uncle Vernon in WWII. I really miss his insight and wisdom, especially as he stepped in and took the place of being my Dad. Thank you Uncle Vernon for your service to our country and for being there for me! Thank you to all who have and are now serving our Country!

Steve Young
RE/MAX Associates
(817) 276-5149
www.steveyoung.pro
www.steveyoungtexasrealestate.pro

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steve@steveyoung.pro

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New requirements for application for property-tax homestead exemption

As of Sept. 1, Texas added new requirements for homestead-exemption applications. Homeowners must now include a copy of their driver’s license or state-issued ID card and their vehicle registration receipt that has an address matching the property for which they are seeking an exemption along with the application. If applicants don't own a vehicle, they must submit a signed affidavit stating they don't own a vehicle along with a copy of a utility bill for the property seeking the exemption. If you already have your homestead exemption in place you DO NOT have to refile unless the chief appraiser requests that a new application be filed. 

Be reminded that it’s free to file your homestead exemption application, and it’s simple to file the paperwork. The Texas attorney general has warned homeowners to be aware of solicitation companies that send official-looking letters claiming they can process the exemption paperwork for a fee. More information and the new homestead application forms are available on the state comptroller’s Web site.

Folks that purchased a home from me in 2011 will be receiving the information and a reminder about 2 weeks into January 2012 regarding this! If you need the forms or more information,  call or email me and I'll get it to you!

Steve Young
RE/MAX Associates
(817) 276-5149
www.steveyoung.pro
www.steveyoungtexasrealestate.pro

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Steve Young's Blog

steve@steveyoung.pro

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Credit restoration opportunity!

Did you know I have a program to help clients improve their credit scores so they can purchase a home?

That is right!  I have developed a program for clients that can’t get pre-approved for a home mortgage. I have made arrangements with a top notch credit restoration company to pre-qualify my clients. Within 4 days they will let my client know if they can improve their credit score enough, within 60 to 120 days, – so they can buy the home of their dreams. If the company can’t make that promise they will not charge them or take them into the “Platinum” program.

My credit restoration contact has a longer term “Gold” program which might be helpful to those people who might need longer than 60 to 120 days to qualify. 

But the great news is when a person’s credit is restored and they use me to buy their home – I secure a full refund for them for their credit restoration program.  So it ends up costing them nothing in the end.

If you or someone you know could use my services, please contact me.

Thanks, and I look forward to speaking with you soon!

Steve Young
RE/MAX Associates
(817) 276-5149
www.steveyoung.pro
www.steveyoungtexasrealestate.pro

Follow me on Twitter! 

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steve@steveyoung.pro

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Fall back 1 hour, Sunday, November 6th

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