Darlene Hawk-EXP Realty, LLC

04/01/2023

Thinking of switching to eXp Realty from your current real estate company or perhaps you’re wanting to start a career in real estate. Contact me by commenting below or call the number listed above. We can then talk and you can ask your questions. I would enjoy being your sponsor & helping you to learn real estate and grow your real estate business with this fabulous company.

03/11/2021

Here is the new TREC Consumer Protection Notice for all to read.

05/16/2020

NEW LEASE LISTING! Upscale 4 bd Luxury Property in Lantana’s Golf Masterplanned Community. Short Term Leases accepted. Most Pets Accepted. Contact Agent via text or voicemail for more details at 214-335-8555. I will get back to you!

06/20/2019

Yesterday was a great day of LIVE training at GLAR with my fellow eXp agents! eXp brought in a national motivational speaker who is an executive for Tony Robbins. She was fabulous. She gave us training titled “Unleash Your Power Within” which is one of Tony Robbins national events. No we did not walk on hot coals. No I do not intend to ever! Michael & Misty, our Brokers, were there to meet us. They love getting out and meeting everyone and are awesome. Thank you to Freedom Title of Lewisville for sponsoring our training and breakfast today.

Message me if you have any questions about eXp and are considering joining.

04/25/2019

Consumer Protection Notice

03/09/2017

Ground Fault Circuit Interrupters----

Ground Fault Circuit Interrupters or GFCIs are inexpensive electrical safety devices that are designed to reduce the risk of serious electrical shock and/or injury. They are typically installed in outlets on exterior walls and in damp environments. The GFCI will shut off power to the outlet if the electrical flow to the circuit changes slightly. The shut off is instantaneous, thus preventing long powerful shocks of electricty to an operator.

You should consider GFCIs for the following locations:

- Any outdoor/exterior outlets
- Kitchen
- Bathrooms
- Garage
- Basement and Crawlspaces

Sincerely,
Jonathan Crow
General Manager
TexInspec Home and Termite Inspections

email: [email protected]
phone: 817-265-5452 or 972-231-1945
web: www.TexInspec.com

In fact, we now provide a Free Appliance RecallChek with every Home Inspection to make sure that your new home is as safe as possible. In the event that we discover a recalled appliance, we'll give you everything you need to know to get that appliance replaced free of charge by the manufacturer (If…

03/06/2017

Don't let repairs kill your transaction:

With the extreme competition in winning contracts these days, don’t let repairs kill your transaction. Please remember that there are options for the buyer to do repairs after closing, if they are open to this.

In many ways, it may be best for the seller to handle these things prior to closing, but if it just isn’t going to work that way, please call me to discuss options for the buyer to take care of these things after closing. We have been able to save some deals this way.

This can be done for CONVENTIONAL OR FHA…..

“Providing exceptional real estate financing”.

Alex King
RMLO, Vice President / NMLS 286680
King Financial Group, Inc.
Professional Mortgage Advisors
2600 Village Parkway, Suite 100
Highland Village, TX 75077

972-539-2500 x 224
866-230-1041 Personal e-fax
972-539-6699 Corporate office fax
214-762-1111 Cell
[email protected]
Alex.KingfgLoan.com

The Internet's leading website for home loans, mortgages, electronic lending, and loans using the best mortgage tools on the Internet. Online shopping for the best loan rates, best loan programs, and current rates.

03/06/2017

6 Tips for Paying Down Credit Card Debt:

What do most people do when they can't afford that hot, new item they just can't live without? Charge it. Credit cards have made instant gratification a way of life, but getting what you want whenever you want is not always a smart move for your finances. Credit card debt can add up quickly, and too much debt can actually be a hindrance to achieving your long-term goals, like buying a home, getting a new job, starting a business, or saving for retirement. According to NerdWallet's 2016 American Household Credit Card Debt Study, the average U.S. household carries about $16,061 in credit card debt and pays around $1,292 in credit card interest each year.

If you're trying to dig your way out of credit card debt, rest assured, there are ways to pay it down. Before you start, make sure you've saved up enough for an emergency fund so you no longer have to make purchases on credit. Once you've got enough of a cushion to fall back on, use the following strategies to start paying down your debt:

1. Pay off the highest interest rate first.
Paying off the card with the highest interest rate first allows you to reduce the amount you spend on interest, which saves you the most money in the long run. To do this, continue making minimum payments on your other credit cards, and put more than the minimum amount toward your highest interest card.

2. Pay off the lowest balance first.
Also known as the snowball method, this is the opposite of the above approach. While it may cost you a bit more due to paying high interest rates, paying your lowest balance first helps you achieve small successes more often. For instance, if you have a credit card with a balance of $500, it might be a lot easier to pay off compared to one with a balance of $2,000, and once you do pay it off, you'll feel more encouraged to stick to your repayment plan.

3. Put extra earnings toward your debt.
If you get an annual bonus, tax refund, or other lump sum payment during the year, consider putting that extra cash toward your debt. However, be careful not to put all your extra money toward credit card debt unless you have an emergency fund in place. If unexpected events arise, you may end up having to charge more to your card to cover it, putting you even further into debt.

4.Do a balance transfer.
Do your credit cards have high annual percentage rates (APRs)? If so, it might be challenging to make significant progress on the payments when you keep getting hit with hefty finance charges. A possible solution is to do a balance transfer, which involves transferring the debt from your credit card(s) to one with a lower APR. Just make sure the fees don't cancel out the amount you'd save from doing the balance transfer in the first place.

5. Negotiate a lower rate.
If you've been good about paying your bills on time, you could also try calling your credit card company to negotiate a lower interest rate, which will make your payments go even further. This can be a good alternative to a balance transfer, especially if the fees cancel out the savings.

6. Tap into your home's equity.
If you own your home and have built up some equity, you may be able to utilize that equity to pay down your credit card debt. One of the benefits of doing this is that you can get a much lower interest rate compared to that of your credit card, and the mortgage interest may be tax deductible. However, there is some risk involved, since this would require positioning your home as collateral for the loan. Talk to your mortgage professional to see if tapping into your home's equity could help you achieve your goals.

First United Bank Mortgage and its loan officers are not financial planners. You should consult a financial planner to create a strategy that works best for your situation.
Michael Hawkins
NMLS #469118
First United Bank Mortgage
6401 S. Custer Rd.
McKinney, TX 75070
972.569.2344
EMAIL ME: [email protected]

FacebookLinkedIn
First United Bank Mortgage Logo
Economic Observer
This letter is for information purposes only and is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. Program rates, terms and conditions are subject to change at any time.

This email was sent by:
Michael Hawkins, NMLS #469118
First United Bank Mortgage Company NMLS # 400025
6401 S. Custer Rd. McKinney, TX 75070

FDIC Equal Housing Lender

12/15/2016

Fed Hikes Rates: The Mortgage Impact

DAILY REAL ESTATE NEWS | THURSDAY, DECEMBER 15, 2016
The Federal Reserve hiked short-term interest rates Wednesday, in a move largely predicted by economists. So, what does this mean for mortgage rates and buyers?

Read more: Fed Warns About a 'New Housing Crisis'
First off, the Fed does not set mortgage rates. Short-term rates are different from long-term rates. Mortgage rates typically follow long-term bond rates, such as the 10-year U.S. Treasury note. Longer-term rates typically adjust before the Fed makes a move.

Indeed, mortgage rates have risen near to 60 basis points since the presidential election. More than twice the quarter-point increase that the Fed voted on Wednesday.

The Fed announced that it expects to raise short-term rates three times next year by a total of 75 basis points.

“That means rates like we’ve seen for most of the past five years are indeed history,” writes Jonathan Smoke, realtor.com®’s chief economist, in his latest column. Mortgage rates in the 3 percent range are gone.

“Mortgage rates will move higher before the Fed acts again, so if the Fed carries out its three planned hikes in 2017, we could come close to 5 percent on 30-year conforming rates before the end of next year,” Smoke notes.

On Wednesday, the average 30-year conforming rate was just under 4.2 percent.

Smoke believes that rates are more likely to move in the month ahead of each key Fed policy meeting. As such, the important meetings to note are in March, June, September, and December 2017.

How big of an impact could rising rates have in the coming months? A median-priced home would be $978 per month payment at Wednesday’s rate of 4.2 percent (and assuming a 20 percent down payment), realtor.com® notes. Take that rate to 5 percent, the monthly payment jumps up to $1,074, nearly $100 more.

“If you intend to buy next year and finance the purchase with a mortgage, acting sooner rather than later will cost you less,” Smoke says is the message to home buyers.

Source: “Fed’s Rate Hike Confirms It: Time Is Running Out on Low Mortgage Rates,” realtor.com® (Dec. 15, 2016)

01/06/2016

Economic Commentary Newsletter
Martha Kiker
Mortgage Loan Consultant
First United Bank Mortgage
972.355.0768
[email protected]

Global Concerns Benefit Rates:

Over the last few days, investors shifted assets from stocks to bonds, which was positive for mortgage rates. The major reasons included geopolitical tensions, concerns about growth in China and weaker than expected U.S. economic data. Mortgage rates moved lower.

A couple of events caused investors around the world to shift to safer assets over the past few days. On Monday, Saudi Arabia cut diplomatic ties with Iran, raising tensions between these two major powers in the Middle East. On Wednesday, North Korea announced that it had successfully tested a hydrogen bomb. When concerns about global instability increase, investors generally reduce the risk in their portfolios. One method to accomplish this is to sell stocks and buy bonds, including U.S. mortgage-backed securities (MBS). The increased demand for MBS causes mortgage rates to decline.

Weaker than expected economic data in China released on Monday also was positive for mortgage rates. Manufacturing, which has been a key factor in China's expansion in recent years, has weakened more quickly than expected, and investors are worried that China's economy may be performing worse than the official numbers suggest.

Recent manufacturing data in the U.S. also revealed larger than expected declines. The ISM national manufacturing index fell to the lowest level since June 2009. A slowdown in global economic activity has hurt the sector. In addition, the stronger value of the U.S. dollar makes U.S. goods more expensive in other countries.

Looking ahead, the important monthly Employment report will be released on Friday. As usual, this data on the number of jobs, the unemployment rate and wage inflation will be the most highly anticipated economic data of the month. Additional labor market data closely watched by the Fed, the JOLTS report, will come out on January 12. JOLTS measures job openings and labor turnover rates. Investors also will be watching for signs of escalation concerning the Middle East or North Korea.



ISM Services
Commentary provided by MBSQuoteline. For live MBS pricing visit www.mbsquoteline.com.

This email was sent by:
Martha Kiker
NMLS # 546412
First United Bank Mortgage
Company NMLS # 400025
3004 Brush Creek Lane
Flower Mound, TX 75028


FacebookLinkedIn FDIC Logo

This letter is for information purposes only and is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. Program rates, terms and conditions are subject to change at any time.



Privacy Statement | Unsubscribe

Get real-time information on mbs prices, mortgage rate trends & mortgage backed securities market news, on the web or even your phone

12/17/2015

The Fed Open Market Committee has raised the Federal Funds rate by 0.25%. It is the first increase since June 2006. It raises the real Fed Funds Rate from a range of 0% to 0.25% up to 0.25% to 0.50%.

Now, we’ll watch to see how the mortgage markets react to this. So far, there is no gain or loss to the mortgage bond prices. Remember it is the trading of these mortgage bonds that directly impacts the mortgage interest rates. As a result, there is no immediate change to mortgage interest rates. We can expect to see changes over the coming day and will track this closely, as always. Per my previous email earlier today, we may actually have some temporary relief with mortgage rates even dropping for a period of time. We’ll see if this pattern develops.

Please call with any questions. Have a great afternoon.

Alex King
RMLO, Vice President / NMLS 286680
King Financial Group, Inc.
Professional Mortgage Advisors
2600 Village Parkway, Suite 100
Highland Village, TX 75077

972-539-2500 x 224
866-230-1041 Personal e-fax
972-539-6699 Corporate office fax
214-762-1111 Cell
[email protected]
www.KingFG.com < click here for our web site / apply on line / GUARANTEED FAST RESPONSE!
Entity NMLS 270308
Equal Housing Lender

Flower Mound Refinance & Southlake, TX Mortgage EXPERTS! The most experienced & ethical Fort Worth Mortgage Brokers offering you the best service and fees, with Low Flower Mound Mortgage Rates for all your Southlake Home Loan & Fort Worth refinance needs! King Financial Group, Inc. - Home

10/15/2015

Fun! Learned a lot more about the Builders.