Box & Associates
DW Skelton &Associates
John A. Sexton
Shinpaugh Appraisal Company
214-890-9916 / 214-202-7626
Lori Leu & Associates
Seniors, Wills, Estate Planning & Administration, Long-Term Care, Benefits Planning, etc.
Ruais & Associates, PLLC
Real Estate, Business Contracts, Estate Planning, Probate, Litigation, etc.
The Law Office of Cristina Levine PLLC
Cowboy Boxes (plastic reusable containers)
Nanroc In. (formerly Martinez Masonry)
The Fireplace Specialist
All Star Carpet Cleaning
972-347-5884 (O) / 972-832-1082 (C)
Minuteman Carpet Services
972-746-2717 (O) / 214-995-0308 (C)
Steam Me Up
Chiropractor North Dallas Spine Center
Dr. Oscar Presas, NUCCA Chiropractor
No popping or cracking. Just an adjustment of your upper cervical.
Back Office Credit Solutions
800-656-0084 ext. 101 (O)
My Score Restoration
Omega Credit Repair
Julio Echeverria, Master Electrician
972 -533-1617 (O)
Cedar Creek Fences
Exterior Wood Savers
Matt, 972-863-1777 (O)
Johnson Fence Company
RIF Fence Stain & Restoration,
Superior Custom Painting,
Gabe or Carlos Lopez, 214-251-6802 (O)
Texas Best Fence & Patio
Craig Mills, Financial Advisor
Holcomb Wealth Management
Kimberley Holcomb, CFA
Amber Suggs, Territory Manager
214-368-0082 (O) / 214-334-9328 (C)
Juan Aguilar (Bathroom, Kitchen & Flooring Remodels)
Arch Foundation Repair
Bedrock Foundation Repair, LLC
Integrity Foundation Repair
817-561-6500 (O) / 817-269-2171 (C)
MBR Guaranteed Foundation Repair
817-469-1090 (O) / 817-891-6426 (C)
214-227-2213 (Dallas) / 817-583-8714 (Fort Worth)
Structured Foundation Repairs
Granite Stone Cutters
Rene De Santiago
Dallas Gutter and Repair
No Leak Rain Gutters
Texas Gutter Solutions
Design Remodel Pros (Handyman Services)
Brian & Sara Belmonte
(972) 407-0754 (O)
Fix Me Up
In & Out Handyman Services
Big Bear A/C and Heating
Master Tech Service Corp
Mr. Duct Cleaner
Taylormade Heat and Air, LLC
343 Home Inspections (Mechanical & WDI)
Best Inspections (Mechanical & WDI)
Focus Real Estate Inspections
Pillar to Post Home Inspections
214-399-5862 (O) / 214-986-6045 (C)
Providence Property Inspections
Road Runner Inspection Services
Show ’N Tell Inspections
- Allstate – Chris Zeigler, 469-535-2500 (O) / 214-870-4269 (C), ChrisZeigler@Allstate.com, allstate.com/Chris-Zeigler-frisco-tx.html
- Dexter & Company (Luxury Home Insurance and Riders) – Gail Rolseth, 469-951-0258 (C), GRolseth@DexterCompany.com, DexterInsurance.com
- Dean Insurance Group – Steve Davidson, Agent-Insurance Broker, 214-227-9377 ext. 3 (O), Steve@DeanInsure.com, DeanInsure.com
- Farmers – Oscar Quintana, 469-288-8302 (O), https://Agents.farmers.com/tx/frisco/oscar-quintana?Source_Indicator=AP
- Goosehead Insurance, Adam Fleumer, 214-838-5415 (O) / 913-683-9760 (C), Adam.Fleumer@Goosehead.com
- Goosehead Insurance, Jason Hess, 972-462-0999 (O), Hess@Goosehead.com, www.gooseheadinsurance.com/HessInsuranceServices
- Liberty Mutual Insurance, Mashondi Payne, Sales Representative, 972-619-4840 opt. 1 (O), 469-200-0250 (C), Payne@LibertyMutual.com, www.libertymutual.com/mashondi-payne
- PLI Brokerage, Inc. (Luxury Home Insurance & Riders) – The Chubb Group of Insurance, 1-866-324-8222, Chubb.com
- State Farm – Vince Adams, 1-855-733-7333 (O), 817-377-3401 (C), Adams.email@example.com, www.vinceadams.biz
All Texas Services (Collin/Denton County)
College Fund Landscaping
Emerald Lawn Care (Collin/Denton County)
Green Meadows Landscaping
214-402-1229 (C) / 214-732-6651 (O)
Lewis Hernandez (Primarily Trees)
Quality Lawn & Landscaping (Collin/Denton)
214-404-1956 (C) / 972-814-5576 (O)
(Unique code: 121907, Client receives $10 discount if code used)
Lupe & Maria
214-353-0236, (Frisco, Plano, Carrollton)
Maria McClaughlin’s Cleaning Service
972-712-4575 or 214-492-9875 (Frisco, Plano, McKinney)
Realty Cleaning Services
Ultra Spic n Span Cleaning Inc.
214-392-5949 (DFW area)
214-431-8557 (Frisco, Plano)
We Shine Through Detailed Cleaning Service
972-616-3878 (Collin & Denton County)
Ramsay & Alan’s Painting
Paint, Stain, Drywall & Sheetrock (exterior, interior, doors, cabinets and shutters)
DFW area (free estimates)
Steve Tickner Residential Painting Specialist
World Pet Travel
214-396-5070 (USA) / 506-4000-1689 (Costa Rica)
Concord Plumbing Co.
Do It All Plumbing
Norman Bundrant, Master Plumber (Collin/Denton County)
Jim Nigel, Master Plumber (Tarrant County & Dallas South of I-30)
Texas Green Plumbing
972-442-4101 / 214-907-2928
(Service areas: McKinney, Prosper, Frisco, Princeton, Allen, Fairview, Plano)
CERTIFIED – BACKGROUND CHECKED – INSURED
Alex Guthrie Construction
Burns Construction & Remodel
Champion Home Services
Design Remodel Pros
Brian & Sara Belmonte
DFW Remodel Team
Vino Paudel, General Contractor, Remodeler
Pruitt Construction Company
Serving You F1rst Contracting
Star Home Remodeling
John or Stefano
When selecting a plan be sure to include upgrades for A/C, Heater and garage doors to ensure the likelihood of coverage if failure occurs. DO NOT ORDER, just call to determine which company and plan you want. Contact your agent to place the order.
2-10 Home Warranty
American Home Shield
Broward Factory Service
Fidelity National Home Warranty
First American Residential Service
Nations Residential Service
Old Republic Home Protection Plan
Catherine Brenneman, Certified Master Elite Roofer
First Out Roofing
Mark Snow (Former Claims Adjustor)
JH Roofing & Construction
Swan Roofing, LLC
Texas Best Construction
Aldridge Lawn Sprinklers
American Lawn Sprinkler Company
CBG Surveying Inc.
Jimmy Pogue Land Surveyors
Roome Land Surveying
Texas Heritage Surveying, LLC
Collin County Cab
(24-hour taxi service for airport, in-town runs, doctor’s visits, party bus etc.), servicing Frisco, Plano, Allen, McKinney and the surrounding areas
- Ambit (Janie Sandvig, Consultant)
- CoServ Electric
- Grayson-Collin Electric Coop
- Stream Energy
- TXU Electric
- Other Providers (Select “Compare Retail Offers”)
- Atmos Energy
- CoServ Gas
- Grayson-Collin Electric Coop
Water and Trash (If your city is not listed, call the city in which you will be residing for information)
- City of Allen
- City of Arlington
- City of Dallas
- City of DeSoto
- City of Frisco
- City of Heartland
- City of Lancaster
- City of Little Elm
- City of Mansfield
- City of McKinney
- City of Plano
- City of Richardson
- City of The Colony
BullDozier Window Service
Foggy Window Experts
Lone Star Spit & Shine Windows
Squeaky Clean Windows
When contacting lenders, inquire and compare the following:
- What is loan process?
- Can application be taken over the telephone, via a website, or in person?
- Financing Options available?
- Do you need to put any money down to purchase the house?
- What are the financing programs, Terms and Interest Caps?
- FHA, Conventional, VA, USDA,
- 30 year fixed, 15 year fixed, etc.
- ARMs (Adjustable Rate Mortgages), Interest Only, Construction Loans, etc.
- Interest Rates for different financing options?
- Is there a loan origination fee? If so, how much?
- Are there any points being charged for the rate quoted?
- What exactly is a point?
- Can you lock the interest rate? If so, is there a rate lock fee?
- If interest rate changes, can you get the lower rate?
- How long can you lock a rate?
- What is the APR (annual percentage rate) –
- This is very important when comparing lenders. It is designed to represent the true cost of the loan to the borrower, expressed in the form of a yearly The purpose is to prevent lenders from hiding fees and upfront costs behind low advertised interest rates. The APR will give you an idea of the overall difference in fees charged by the lender to close your loan.
- Will property taxes and hazard insurance be escrowed?
- Is there a fee if you don’t want to use an escrow account?
- What is the estimated time to close loan?
- Can they email you a “Good Faith Estimate” or “Closing Costs Worksheet”?
- Good Faith Estimate is an estimate of the charges which you are likely to incur at the closing/settlement of your
- When can you anticipate your first mortgage payment and for how much? How much money will you need to bring to closing/settlement?
Once you’ve gathered your information, if you’d like for me to assist you in comparing lenders, let me know.
- You have an ownership interest in the property and use the property as your personal residence; however, you are required to state that you do not claim an exemption on another residence homestead in or outside of Texas.
- You must own and reside in the home on January 1 of the tax year.
- You must provide a Texas driver’s license or state identification card and the homeowner’s vehicle registration receipt. The address on the identification and the vehicle registration receipt MUST match the address for which the homestead exemption is requested.
- If the owner does not own a vehicle they can send a current utility bill showing name and address along with an affidavit indicating non-ownership of a vehicle. The bill MUST match the address for which the homestead exemption is requested.
- IT’S FREE! DON’T PAY TO FILE A TEXAS HOMESTEAD EXEMPTION! Scammers send official-looking stationary to suggest that a fee (usually $50 or more) must be paid for a homeowner to get an exemption. These claims are false and deceptive.
Property owners should read applicable statutes carefully. Below are the relevant websites and/or homestead applications.
Dallas County – http://www.dallascad.org/forms.aspx
When you hire me as your Realtor®, my Fiduciary Duties to you are:
- Reasonable Care & Diligence
When viewing properties, please keep in mind that although this may be a very emotional time,
- Do… view the process as a business decision.
- Do… COME PREPARED TO PURCHASE
- Bring checkbook for Earnest Money and Option Money
- Allot time to submit offer
- Do… rate each property on a scale of 1 to 10 with 10 being the perfect home. Please note that typically, perfect homes are hard to find so, any home that rates an 8 or 9 should be strongly considered as a home to submit and offer on.
As you rate each property, consider:
- The neighborhood
- The property curbside appeal
- First impression when you enter the home
- Property finish out
- Repairs needed, if any
- Size of home relative to your needs
After viewing a property, please rank properties by 1st, 2nd, 3rd or 4th purchase choice. Any property that slips to 5th or higher should be discarded.
When a lender tells you that you may be able to get into a home for no money down, they do not mean you will not need any money to purchase/close on a property. Oftentimes buyers confuse “No Money Down” with the thought that they will not need any money. This is far from the truth. Typically, to purchase a home, the buyer will need funds for earnest money, termination option and/or inspections.
With this in mind, when a lender says “No Money Down”, they typically mean you may be eligible for 100% financing using one of many lender programs that may be available.
Closing costs are expenses that cover fees associated with the transfer of property ownership, fees paid to state and local governments, and the costs of obtaining a mortgage loan. Some of these fees are negotiable, and could be paid by either the buyer or the seller. Some costs are one-time fees (non-recurring closing costs, such as title search, termite inspection, appraisal, etc.); while other fees such as homeowner’s insurance or property taxes are things you will expect to continue to pay on a regular basis as a homeowner. As part of the loan selection process, your mortgage consultant should give you an idea of how much money you should have in reserve to cover your end of these costs. The Real Estate Settlement Procedures Act (RESPA) requires the lender to provide you with a Good Faith Estimate within three days of the submission of your loan application. RESPA also states that as a home buyer, you have the legal right to request a copy of the HUD-1 Settlement Statement 24 hours before your closing is scheduled. The HUD-1 clearly defines all closing costs, including those that are to be paid by the buyer and the seller. It’s a good idea to have both of these forms before your closing so you can compare the estimated costs to the actual costs before you finalize your transaction.
- Loan Pre-Approval Letter or Letter of Funds Availability from Loan Officer / CPA / Financial Advisor / Bank.
- Earnest Money
- Termination Option Fee (for existing homes)
- Inspection Fees
WDI (Wood Destroying Insect) Inspection
- Down Payment
Minimums: FHA– 3.5%; Conv – 5 to 10% of Sales Price
- Closing Costs (loan origination, title insurance, prepaids -taxes/insurance)
Ranges from 3-6% depending on price of property. Consult lender for more accurate amount.
Most real estate agents work for a broker as independent contractors and are 100% commission based. Typically, the commissions are paid at closing by the seller (i.e., owner, builder, bank, etc.) to the broker then distributed to the agent based on either a percentage commission split with the broker or full commission less a transaction fee. This is true even if the agent you are working with has signed a buyer representation agreement with you. However, a real estate transaction can be negotiated any number of ways, and that includes the possibility that the buyer could end up paying some or all of the sales commission.
Since most real estate agents work solely on commission and have expenses and financial obligations just like you, your loyalty is much appreciated. Most agents will respond with a sincere commitment to servicing your needs.
Note: Typical, Seller Closing Costs: $150,000 Property; 6% commission paid on Sales Price = $9,000 plus title policy, property taxes year-to-date, legal fees and processing fees. These additional fees on average are 2.5 -3% of Sales price or $4500. So, Seller’s Estimated Closing Costs are $13,500. Keep this in mind, when considering the notion of having the Seller additionally pay your closing costs.
Broker represents the seller & the buyer and provides only factual information and no advice to either party; shall treat both parties honestly; shall not disclose if seller will take a lower price or if buyer will pay more than submitted offer; and may not disclose confidential information.
Broker represents the owner and must place the interest of the owner first; buyer should not tell owner’s agent anything they do not want the owner to know because owner’s agent must disclose any material information known to owner.
Broker represents the buyer and must place the interest of the buyer first; owner should not tell buyer’s agent anything they do not want the buyer to know because buyer’s agent must disclose any material information known to buyer.