2 Locations to Better Serve You
19510 Kuykendahl Rd.
Ste B - Spring, TX 77379
14202 FM 1097 Rd. Willis, Texas 77318
Spring Location: 281-370-5100
Willis Location: 936-202-3131
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TYPES OF MORTGAGES YOU NEED TO KNOW ABOUT

Before you purchase a home, it’s important to educate yourself of the various types of mortgages you can get so you can make the right decision when the time comes to choose yours.

Types of Mortgages

Fixed Rate. The most popular on the market, a fixed-rate mortgage is ideal for homeowners who expect to stay in their home for many years. With a fixed interest rate and monthly payment, this loan makes it easier to plan your budget year over year.

Adjustable-Rate. This type of mortgage offers a lower interest rate and monthly payment at first, then slowly increases as time goes on. This type of loan can be beneficial for younger home buyers who expect to grow in their careers and make more money in the future.

Government-Insured. There are several types of government-backed mortgages including Federal Housing Administration (FHA) loans, U.S. Department of Veterans Affairs (VA) loans, United States Department of Agriculture (USDA) loans, and more. These programs can help you finance a home if you meet each one’s qualifications.

Conforming. A conforming loan is one that falls within the maximum limits set by government agencies that back most U.S. mortgages, Fannie Mae and Freddie Mac. With this type of mortgage, borrowing costs and required down payment are generally less, but interest rates can be a little higher.

Jumbo. This type of conventional loan applies if the home’s price exceeds federal loan limits. Your credit score generally must exceed 700 and you are required to make a larger down payment. However, it allows you to borrow more money to purchase a more expensive home.

https://www.bankrate.com/finance/mortgages/5-basic-types-of-mortgage-loans-1.aspx

5 Types of Mortgage

 

Start Your Day on the Positive…Early Bird Status!

Ever wish you could become one of those rare morning people? The ones that wake with a start, feeling refreshed and energized. The ones that get in that morning workout or wrap up some work before many of us even hit the snooze button for the first time. Here are five tips to help you achieve that early bird status!

1. Create a morning schedule. Physically write down the things you’d like to complete in the morning and set a time for each. Then stick with it. Once you force yourself out of bed early one or two weeks consistently, you’ll find it gets easier and easier to do.

2. Let the light in. Whether natural or artificial, light tells your brain its time to get up and get going. If your room lacks large windows where you can open the blinds up, consider investing in a timed lamp or alarm clock with a light.

3. Prep and eat breakfast. Although there are many of us who chose the skip breakfast, it is key to perking up your energy in the morning. Try prepping protein-focused meals the night before or grab a yogurt or fruit and try to consume it right after you wake.

4. Get your body moving. Whether it’s a short walk around your neighborhood or a rigorous 5:30 am spin class, getting your blood pumping will help wake up your body and has a ton of other benefits, like stress and anxiety reduction.

5. Feed your mind. Stimulate your brain and do something you enjoy first thing in the morning. Try reading a favorite book, catching up on the news, doing daily meditation, or setting intentions.

 

#remaxintegrity #homeofthebestagents #earlybird

 

What to Look For in a New Home Builder

You’ve found the perfect patch of land and now you’re ready to build your new home, from
scratch.

The right home builder is the key between a beautiful custom home and a project
filled with delays and extra costs – a money pit. If you don’t have a great builder on speed dial,
how can you find a good new home contractor? Here are a few tips for making sure you get
the best builder for your project.

Build a List of Options – The first step is to find local builders who create homes which
suit your lifestyle and taste.

Do Your Homework – Ask for references and take your time in doing your due diligence.
Ask for past clients who will be willing to meet with you and show you the actual homes
they have built. Ask about the process and if they finished on time. Ask about problems
and find out how the builder solved them.

Learn About the Subcontractors – A strong builder works with the best craftsmen in the
area. Ask about the subcontractors and interview them and check their references as
well.

Learn all you can about the builder and their projects. Make sure the homes are built with
solid materials and construction techniques. Before you choose anyone, you should feel
completely assured they will create a great home and completely understand your vision.

#remaxintegrity #springtxhomesforsale #newhomebuild

RE/MAX Integrity Welcomes Milena Canal!

RE/MAX Realtor, Milena Canal
Moves Business to RE/MAX Integrity!

Ruben & Nancy Villarreal, Owners of RE/MAX Integrity, along with Esther Cordova, Broker, has announced that top producing REALTOR Milena Canal, has moved her business to their office. “We are so excited to add such a real estate icon as Milena to our office,” said Ruben.

Whether you are a first-time buyer, an experienced investor, or simply changing your house to fit your needs, you can be rest assured your real estate needs will be covered with Milena, who has been assisting families with their real estate needs since 1998 in The Woodlands and surrounding areas.

As an industry veteran, Milena’s product knowledge, innovative marketing and negotiating skills, gives her a winning solution for all her clients. “I fully expect Milena to hit the ground running. I’ve seen how she handles her clients, and the quality of professionalism she demonstrates in every phase of customer service, and could not be more pleased to be adding such a veteran with her experience to the RE/MAX Integrity family”, stated Esther Cordova.

 

You can reach Milena Canal at RE/MAX Integrity, 281-370-5100, or directly at 281-451-4361.

 

 

 

 

About RE/MAX Integrity:
RE/MAX Integrity is a locally owned and operated full-service real estate brokerage located in Spring, Texas. Founded in 2007, and expanded last year to include their second office in Willis, TX – Lake Conroe area. The brokerage has over 80 Realtors® and specializes in both residential and commercial real estate. RE/MAX Integrity is a proud supporter of Children’s Miracle Network Hospitals®, Soles for Souls Foundation, and Texas Sentinels along with numerous other local charities. Two office to service you better – 19510 Kuykendahl, Spring, TX and 14202 FM 1097, Willis, TX. To learn more, please visit www.realtorsatintegrity.com or contact the office directly at 281-370-5100.

HOUSTON RODEO LINEUP 2019

Each night, once the Rodeo dust settles, a superstar takes the stage to entertain the crowds. The star entertainers begin performing after the last rodeo event is completed each evening and the stage is set. Actual start times for the concert can vary day to day due to the different number of rodeo competitors and other production elements.

  • Weekday rodeos start at 6:45 p.m. The entertainer takes the stage at approximately 8:45 p.m. NRG Stadium gates open at 6 p.m.
  • Weekend rodeos start at 3:45 p.m. The entertainer takes the stage at approximately 5:45 p.m. NRG Stadium gates open at 3 p.m.(The Saturday, March 16, 2019, rodeo performance will begin at 2:45 p.m., and the concert will begin at approximately 6:15 p.m. The Sunday, March 17, 2019,concert only performance will begin at 7 p.m., with no rodeo on this day.)
 2019 ENTERTAINERS

5 Helpful Tips To Secure Your Personal Information

5 Helpful Tips to Secure Your Personal Information, Engagement pictures on Instagram. Job relocation announcements on Facebook. Birthday celebrations shared over Snapchat. Whether it’s a simple picture of your home decorated for the holidays or a video of your wedding day, not much is kept off social media these days.

While it’s fun to update your friends and family on your latest adventures, you could potentially be oversharing and aiding thieves interested in stealing your personal information. It’s important to be aware of what you’re posting online to protect yourself from identity theft and to ensure your private information isn’t leaked.

Here are 5 tips to help keep your sensitive information safe:

1. Social Media – Pause Before You Post While you may want to keep your friends and family in the loop, it’s essential to maintain a profile clean of all personal information. Before sharing a post, think to yourself, “can an identity thief use this information to access any of my accounts?” If so, you may want to reconsider sharing. Oversharing on social media includes posting sensitive information such as your address, full birthday (month/day/year), license plate number, credit status, driver’s license number, passport information, social security number or your school’s name. Facebook offers an extensive “about me” section, but remember, it’s not mandatory. Leave these fields empty or choose smart answers such as listing your birthday month and day, while leaving out the year. Simply list the state you reside in, as opposed to your home town. These simple choices can help protect you in the long run. Most importantly, don’t forget to review your privacy settings and make sure you know all your social media “friends.” Having a lot of friends on social media may serve as an ego boost, but it also decreases the control you hold over the information you post.

2. Program Automatic Software Updates to Occur It’s tempting to push the “remind me later” button when you see a software update pop-up, but it’s essential to keep your operating system’s software up-to-date at all times. To avoid lapses between updates, and for ease of mind, set your computer’s automatic updates. Keeping your firewall, Java and Flash updated will help you keep viruses and hackers out.

3. Laptops – Lock Them Up Have you ever found yourself working in a coffee shop, getting up to use the restroom but wondering what to do with your laptop? Chances are you just left it unattended. While the customers at Starbucks may look trustworthy, you can never be too sure. Instead, err on the side of caution and lock it up. Password protection can assist in deterring unwanted guests and should be the first course of action. However, you may want to consider purchasing a laptop combination lock for added security. They can be purchased online and can save you a ton of time, money and stress.

4. Free Wi-Fi Doesn’t Always Mean Safe Wi-Fi! Because we live in a world run by technology, you can probably find a “free Wi-Fi” sign just about everywhere you go. You can find it at the airport, grocery store, mall, coffee shop, book store and universities. While free Wi-Fi may be perfect for browsing your Facebook feed or binge-watching episodes of Stranger Things, any information you send over this connection may not be secure. Before shopping online, logging into your bank account, or accessing your latest credit card statement, make sure you are utilizing a secure wireless connection to ensure all your information is protected.

5. The Little Computer in Your Back Pocket From Apple Pay to Chase Mobile, your smartphone is filled with more personal information than you probably even realize. As technology continues to evolve, society seems to trust smartphones to hold personal information more and more, and that comes with higher risk. Paying for your Chick-fil-A with Apple Pay or depositing your pay check using your iPhone may be super convenient. But convenience should never supersede protecting yourself and the information your phone holds. Always make sure to utilize the PIN/password function on your phone and never share this code with others. Keep your phone’s operating system up-to-date and avoid leaving your phone unattended. Likewise, take advantage of the applications offered by your phone’s operating system such as Android Device Manager or Find My iPhone.

Ruben & Nancy Villarreal
RE/MAX Integrity
281-370-5100

#remaxintegrity #homeofthebestagents #springtxhomesforsale

CREATE AN EVACUATION PLAN FOR YOUR PETS!

An evacuation plan is a necessity for every home, especially if you live in an area where fires, earthquakes, hurricanes, flooding, and other disasters are a possibility.

Many homeowners create evacuation plans for their homes and practice them with their kids, but far fewer have considered one for their pets. Take these steps to add your pets to your evacuation plan.

Assign pet evacuation to an adult. Everyone should know how to act during an evacuation, and that includes assigning one parent or adult to the pets. This allows the other parent and the children to focus on their part of the evacuation plan, so there’s no confusion during a high-stress moment when time is of the essence.

Keep evacuation maps and pet carriers readily accessible. If you need to evacuate, you should know exactly where every important item is. If you pets require carriers, keep them in a place that you can access easily.

Practice your plan. Include your pets in your home evacuation drills. It’ll help you see how they will respond and make changes to your plan if necessary. Getting your dog out of a window may not be as simple as you think!

Be prepared in case you get separated from your pets. No matter how much you drill your evacuation plan, it’s possible that a dog or cat will run off while you’re focusing on keeping your family safe. A microchip or a GPS-compatible tag can help you find your pets once it’s safe to return to the area.

Hope this information was helpful to you.  RE/MAX Integrity would love to assist you any way we can.  If you know someone looking to buy or sell contact one us. www.realtorsatintegrity.com or 281-370-5100

How can aging in place impact your family?

Independent living is often cited as being good for one’s well-being, so it’s no surprise that aging in place has become so popular. Thankfully, many options in today’s housing market make it possible.

Preparing for physical safety and financial security are the most immediate concerns that come to mind as we plan for aging in place. However, convenience and overall well-being should also be considered before deciding where to settle in.

Here are three housing options to weigh as you or your loved ones plan for continued independence.

1. Renovate Your Current Home
Adding front entry ramps, bath bars, sit-in tubs and other safety features may make it physically possible to stay where you are. However, renovation costs can add up quickly, especially if they’re needed all at once.

Home maintenance should also be factored in. Who will manage the upkeep if the property has multiple floors or a large yard?

2. Right-Size to a Manageable Floor Plan
Some may find it easier to purchase a home with barrier-free, universal design rather than deal with the stress of home renovations. Moving closer to family and friends can also help to prevent social isolation or depression.

3. Buy a New Home With Family Members
Floor plans for multi-generational homes are often designed with individual privacy in mind while allowing family to be nearby. Sharing home maintenance costs also minimizes living expenses. And this is an excellent way to help family members enter into home ownership.

Aging in place requires thoughtful preparation. Get in touch today for a referral to a trusted financial adviser to begin this journey. You can also reach out if you’re interested in learning about your home’s value or finding a new property.

Hope you found this information helpful. When needing the assistance of a professional real estate, contact RE/MAX Integrity. 281-370-5100, we’d love to assist you.

Which bathroom design trend will you add?

A bathroom remodel is one of the most rewarding projects you can undertake as a homeowner. When well-planned, it can improve your home’s aesthetics while adding convenience. And it usually offers a significant return when it comes time to sell.

Remodels don’t have to break the bank, either. With just a few hundred dollars and a little elbow grease, you can make a remarkable impact to your space — both in value and style.

Not sure where to start on your bathroom remodel? Here are some of today’s hottest trends:

Bold Metal Fixtures
Budget: Low
Forget those old handles, faucets and drawer pulls that blend in. Today’s designers are making these small details stand out. Think bold brass, matte black or even rose gold.

Modern Wallpaper
Budget: Low
Wallpaper is back — especially intricately illustrated designs and bright, bold patterns. It’s low-cost, easy to DIY and makes an immediate impression.

Smart Tech
Budget: Low to Medium
Savvy consumers are using smart tech in their powder rooms for a touch of luxury. Some of the most popular features include auto filling bathtubs, voice-activated mirrors and sound systems, and LED-enhanced shower heads.

Exposed Concrete
Budget: Medium
Concrete floors, walls, counters and sinks are popular with celebrity designers and new home builders. They offer a minimalistic, contemporary look that goes with any color palette.

Freestanding Tubs
Budget: Medium to High
Freestanding tubs may date to the Roman Empire, but they’re making a stylish comeback. Tuck one into a corner or under a skylight to create a beautiful focal point to relax in.

If you’re interested in remodeling your home or if you want to learn more about the latest trends, any of the professional agents at RE/MAX Integrity would love to assist you. Beautiful, updated homes keep area homes sales up!

#remaxintegrity #homeofthebestagents #bathroomtrends #springtxhomesforsale

HOW TO CHECK YOUR HOME FOR AIR LEAKS

We’re well into the fall season and winter is right around the corner. This is the time of year when it’s especially important to make sure your home is properly sealed. Air leaks can make it difficult to keep your home properly heated and can lead to high utility bills.

Here’s quick guide to checking your home for air leaks.

Do an air pressure test. You can quickly check for air leaks with a simple test using household items. Seal your home by completely closing all doors, windows, and vents and turning off exhaust fans. Then pass a burning incense stick along the edges of all doors, windows, and other openings to the outside. If the smoke is forced into or away from an opening, you’ve found a leak.

Inspect doors and windows. To check for leaks near your windows, attempt to rattle the frame. This will reveal whether there are gaps along the edges. Also check for cracks in the frame, loose screws in locks, or gaps anywhere in the window.

Door hinges and thresholds are common places for air leaks. Deteriorated weather stripping can also lead to leaks and the door itself can develop cracks that allow air to pass through.

Skylights are a little trickier to test and examine, but you can still do it yourself. Check for water stains near your skylights, which is a dead giveaway of a leak. If you suspect there is one, you’ll have to get on the roof for a closer inspection. Look for loose shingles, cracked roofing cement, and debris.

#remaxintegrity #homeofthebestagents #springtxhomesforsale #checkforairleaks