Important Questions to Ask Your Mortgage Banker

Although there are many questions that home buyers have when getting a home loan, there are some basic questions that are always important.

How much downpayment do I need to buy a house? If you are a veteran or buying in a rural area you can get 100% financing and seller can pay closing costs. If you are Native American you may be eligible for a Hud 184 loan. This loan requires as low as a 1.25% downpayment, depending on the amount of the loan. FHA requires a 3.5% downpayment, Conventional a 5% downpayment, and Investment loans a 20% downpayment.

What are Points/Origination Fees? Point and Origination Fees are additional fees paid at closing to lower your interest rate. 1 point is $1000.

How do I find out exactly what my closing costs, fees, and other things are when I am comparing mortgage companies and their rates? Ask for a Good Faith Estimate. Look at fee lines 800-900. Compare the rate, points/origination fee, and other items within that range.

What constitutes a rural development loan? It is all based on the population of an area. Owasso and Glenpool are still rural and are eligible for a rural development loan. The USDA Rural Development website can give you more information about an area you are interested in.

How do Mortgage Bankers get paid? My commission is based on the volume I produce. The more I produce the higher percentage I make.

Whether you are a first-time home buyer or have purchased before, no question is stupid. Remember that rules and regulations change and some requirements and information from your previous mortgage may not be the same. Always ask first rather than be sorry later.

If you have questions about a Bixby, OK. mortgage, contact Karen Heston at BOK Mortgage, 918-230-9432 or http://kheston-boklo.mortgagewebcenter.com

Consider This Before Building Your Bixby Home...

When building a new home, there are so many decisions to make, from the location and builder to which carpet and paint to choose. Keep the following tips in mind when you decide to build a new home.

• Location- Work with your Bixby Area Realtor when purchasing land and building your home to make sure that the location you desire will fit your budget as well as the style and size you want in your home. Don't find out after purchasing that you can't do what you want or that the market will not handle your specific plans.
• Building- Select your builder carefully! Ask for recommendations from your Realtor, after all they work with builders everyday. Ask builders for referrals and contact them. Ask plenty of questions and don't be afraid to get more than one quote!
• Products- Once you have purchased land, selected a builder, and begun the building process, there will be many products to choose. Ask about your options and shop around in advance to make sure you get what you want at the price you want. When selecting roofing products and styles- keep in mind your budget, style of home, and the weather in your area. Remember that by adding ridge vents or using certain materials you can decrease your energy costs. When selecting flooring products- remember to check wear, stain resistance, and even product type (such as carpet, tile, or hardwood). When considering which extras you might want- Think about preventing pests before you move in. 1. Have a Sentricon HD Termite Elimination system installed up front to ensure that termites will not be a problem. 2. Consider using glass mulch in your flowerbeds. Glass mulch will not attract pests like traditional wood mulch, never washes away, and it looks great. Finally, decide if you want any home automation or home theater systems installed. It is easy to have installation done up front before walls and furnishings are in place.
• Mortgage Options- Check with your Bixby mortgage banker to find out what mortgage options are available to you. For example, can you qualify for a VA or Rural Home Loan? Also, make sure you know your budget and how much down-payment you have. If you have less than 20% to put down, ask about loans that require less down-payment!

Want more information? Contact these professionals or visit www.tulsahomecare.com:

Home-Building in Bixby Oklahoma- Rick Oberlender of US Building Systems at 918-734-1293 or usbs@att.net.

Bixby Real Estate- Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Tulsa Mortgage Needs- Steve Currington, Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com.

Bixby, OK. Roofing- Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com.

Flooring Products: Jim Ecrette at ProSource Wholesale Floorcoverings at 918-252-7711 or www.prosourcefloors.com/tulsa. Don't Forget to ask about Darryl Baskin's Pricing Discount!

Bixby Pest Control- Mother Natures Pest and Lawn, 918-362-2000 or www.pestsecret.com.

Glass Mulch in Bixby- Leigh Murray, Garden Glass of Oklahoma, 918-232-0210 or www.gardenglassofoklahoma.com.

Bixby Electrical Services- Larry Murray, Murray Electric, 918-835-9605 or www.murrayelectric.com.

Bixby Plumbing Services- Markwayne Mullin, Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com.

Bixby Home Automation Installation- Keegan Beck, KMB Enterprises, 918-527-1031 or www.kmbenterprisesllc.com.

Are There Bugs in Your Bed??

Okay. I know you are probably saying "Bugs in my bed? There are no bugs in my bed!" Actually, there are. There are two types of bugs that you are likely to find in your bed: Bed Bugs and Dust Mites. Dust Mites are microscopic bugs that eat dead skin cells that are shed from humans and animals. They can be found in lots of places, but are especially prevalent on mattresses, frequently used furniture, and carpeted areas. Humans slough off 1/3 (or 10 grams) of dead skin a week and cats and dogs produce even more. More than 100,000 can be on your mattress and in one square yard of carpeting. Many of us can actually be allergic to dust mites and their feces, which is a large component of dust.

Some of us might also discover Bed Bugs. Exterminating Bedbugs can be a difficult task. If you don't treat them they will move through the walls into another persons apartment or condominium (if you have shared walls). These bugs can come from buying things 2nd hand, letting someone spend the night in your home, using someone else's moving equipment plus many other ways. Bed bugs need a blood host- people or animals. They will usually be within 15 feet of a blood host and it only takes them 5 minutes to travel that far. They can sense our carbon dioxide when we exhale. When the population starts to get big, they become a part of your clothing. If you are trying to get rid of bedbugs, wash clothes and everything you can, weekly. They will be in mattresses and many other things. If you start to get bites or look like you have a rash, you might have bedbugs. They look like a tick but are smaller.

I know you're probably saying "That's enough, tell me how to get rid of the nasty things!"

We can't completely get rid of dust mites, here are some ways to reduce dust and Dust Mites in your home:

• Cover your mattress with a plastic cover or mattress cover made exclusively for reducing dust mites.
• Use Hardwood Flooring instead of carpeting since it is easier to reduce and clean dust from hard surfaces.
• Clean regularly. Wash your sheets and blankets at least once every two weeks and clean areas where they are likely to be every week.
• Reduce fabrics on your furniture by purchasing leather furniture, which is less inviting to Dust Mites.
• Use quality air filters and replace them often in order to reduce dust and allergens in your home.

To treat for Bed Bugs treatments are completely different. We don't use heat, we use pesticides to treat for Bed Bugs. Treatments range from $500-1000.


For all your Bixby pest control needs, contact Mother Natures, 918-362-2000 or www.pestsecret.com.

For more information about hardwood flooring options in the Bixby, OK. area, contact Jim Ecrette of ProSource Wholesale Floorcoverings at 918-252-7711 or www.prosourcefloors.com/tulsa. (Don't forget to ask for Darryl Baskin's flooring discount!)

To purchase quality air filters contact Rick Butefish of Filters 4 Me at 918-292-8600 or www.filters4me.com.

Fraud in Title Insurance...

Handling fraud in any situation is difficult. When it comes to title insurance, there are some things to keep in mind. First, let's define title insurance. Title Insurance is insurance that covers financial loss as a result of a defect in a title to real estate. Second, we need to know what period the insurance will cover. When we buy home or auto insurance, we are covering our home or auto from the time we purchase the policy until that point in the future that the coverage is canceled. With title insurance, though, it works in reverse. Title insurance covers from the moment you purchase your home and into the past. If you are sued after you close on the property, then the title insurance may not cover you. Finally, title insurance issues can be quite trick. To ensure that you are covered for everything you need, talk to your attorney or your title company. You may even consider asking for extended coverage on your title insurance to cover you from your real estate purchase into the future.

If you have legal problems with your Oklahoma title, contact David Keesling at Richardson, Richardson, Boudreaux, Keesling at 918-492-7674 or www.rrblawok.com.

To purchase Tulsa title insurance or if you have questions about Oklahoma title insurance, contact Karen Burnette of Firstitle at 918-493-2241 or www.firstitle.com

For all your Oklahoma property, auto, and life insurance needs and more, contact Mike Tedford, Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com

For all your Bixby, Oklahoma area real estate needs, contact Darryl Baskin of McGraw Realtors at 918-258-2600 or www.darrylbaskin.com

What is Home Automation?

Home automation is, basically, anything that gives you control over certain aspects of your property from one location, whether that is inside your home or remotely. Home automation systems can be as simple as being able to control some or all of the lights in your home from one control. It can also be quite complex.

Home automation systems can include: lights (both interior and exterior), security systems, home audio systems, home theater systems, heating and A/C systems, and even window draperies and shades. These systems allow you to use one controller inside your home to control these systems. They can also be set up to allow access through the internet or your cell phone. You can even use voice recognition to access some systems.

What's even better than being able to do all these things without getting up? Saving energy costs at the same time. Many of the features, especially lighting systems, can pay for themselves with a 10% energy savings each year.

For more information on Bixby, OK. home automation system installation , contact Keegan Beck of KMB Enterprises at 918-527-1031 or www.kmbenterprisesllc.com.

When You Move, Don't Pack These!!

Packing and moving can be a lengthy and stressful process. Knowing what to pack is simple, right? Not always! There are some items that should not be packed when you are using a moving company. Hazardous items are actually illegal for movers to transport. The following items should not be sent in the moving van:

• Pant and paint thinners
• Ammunition and firearms
• Gas, Propane, or Oil
• Flammable or explosive materials
• Aerosols
• Acetone products
• Stereo
• Matches
• Valuable items
• Pets

For a complete list of items Bixby moving companies can’t move or to move your Bixby area property, contact Mike, Relocation LLC, at 918-455-6683 or www.relocationllc.net.

For junk removal services in Bixby, contact David Tittle, I-Haul, 918-261-4008 or www.ihaulusa.com.

For your Bixby real estate needs, contact The Baskin Real Estate Specialists at McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Protecting Your Property From Fire...

Fire can be a devastating event. It damages everything in its path and can cause serious injury and death. To help protect your family and property from fire, read on.

• Be prepared ahead of time! Being prepared is probably the most important step of all. This step involves many things. First, make sure you have Oklahoma homeowner's insurance in the event of a fire. Second, have a fire escape plan with all the necessary items such as escape ladders, fire extinguisher, smoke detectors etc. Third, practice your fire escape plan. If you have children, this is especially important. Take time to discuss what to do in the event of a fire and practice this at all hours of the day and night. Don't take for granted that they know what to do.
• Avoid unnecessary risk! Cigarettes, fire places, and appliances are common causes of fires in the home. To avoid these risks, make sure that all cigarettes are put out before going to bed or if you are sleepy. Consider putting them in a glass of water to be safe. Make sure that fires in your fireplace are completely out. If you use it often, install a screen and glass door for extra safety. Finally, avoid putting appliances near furniture. Appliances and heaters placed near furniture can often overheat and cause a fire to start. When a fire starts from any one of the items above, they often start very slowly and smolder for a long time before actually catching fire and being detected.
• Test your smoke alarm! It is very important to test your smoke alarm often to ensure that it is working properly. Also replace the battery at least once per year, even if it appears to be working. If your smoke alarm seems to go off regularly when there is not a problem, such as during cooking, consider moving it a few feet away. If your smoke alarm is 10 years old, replace it.
• Keep Emergency Numbers on Hand! Keep emergency numbers near all phones in case of fire or emergency.
• No matter how much we prepare, we can't completely prevent fires in our home. should a fire occur, remember to call your insurance agent and Bixby area home maintenance professionals to take care of any damage and ensure insurance coverage of repairs.

Contact these professionals for questions or quotes:

Homeowners Insurance Coverage in Bixby, OK- Mike Tedford, Tedford Insurance, 918-299-2345 or www.tedfordinsurance.com.
Roofing Repairs in the Bixby, OK area- Judy Smith, Abest Roofing, 918-587-1426 or www.abestroofing.com.
Fire Damage and Restoration in the Bixby area- Roger Fisher, PCC Cleaning and Restoration, 918-641-1111 or www.pcccr.com.
Bixby, OK. Electrical Repair- Larry Murray, Murray Electric, 918-835-9605 or www.murrayelectric.com
Plumbing Repair in the Bixby, OK. area- Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com
Junk Removal in Bixby- David, I-Haul USA at www.ihaulusa.com or david@ihaulusa.com

Tips for a Less-Stressful Closing!

Buying and Selling a home can be a stressful process, but when the closing process doesn't happen smoothly, it can add even more stress. Here are a few tips to help the closing process happen without a few of the most common glitches. First, listen to the professionals. If your real estate agent or mortgage broker gives you suggestions for the closing and moving process, heed their advice. They see problems regularly and can help you avoid some of the most common problems. Second, pack and move out of the house as early in the day, or even the night before, as possible and schedule closing for the afternoon. For buyers, schedule the final walk through earlier in the day as well. This added time should help with any unplanned delays. Third, consider adding a little extra expense to your budget in case there is a delay in closing and storage or hotel costs are needed or you need to hire a professional for an unexpected home repair. Finally, ask for a final settlement statement a day or two in advance of closing so that there last minute surprises are kept to a minimum.

For more information on the closing process or if you are in need of Bixby area closing services, contact JJ Pierce, FirsTitle, 918-493-2241 or www.firstitle.com

For all your Bixby, OK. mortgage needs, contact Karen Heston, Bank of Oklahoma, 918-488-7353 or kheston-boklo.mortgagewebcenter.com

For all your Bixby, Oklahoma area real estate needs, contact, Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

What exactly is Home Automation?

Home automation is, basically, anything that gives you control over certain aspects of your property from one location, whether that is inside your home or remotely. Home automation systems can be as simple as being able to control some or all of the lights in your home from one control. It can also be quite complex.

Home automation systems can include: lights (both interior and exterior), security systems, home audio systems, home theater systems, heating and A/C systems, and even window draperies and shades. These systems allow you to use one controller inside your home to control these systems. They can also be set up to allow access through the internet or your cell phone. You can even use voice recognition to access some systems.

What's even better than being able to do all these things without getting up? Saving energy costs at the same time. Many of the features, especially lighting systems, can pay for themselves with a 10% energy savings each year.

For more information on home automation system installation in Bixby, contact Keegan Beck of KMB Enterprises at 918-527-1031 or www.kmbenterprisesllc.com.

Incorporating Green Products into Your Bixby Home

When building, remodeling, or replacing products in your home, eco-friendly or green ideas can be very easy and often inexpensive to implement. Here are some easy ways to incorporate green products into your home:

• When building a new home, face the widest part to the north or south.
• Place doors and windows where you will receive good cross-ventilation.
• Ensure your attic space is well ventilated by using roof ridge vents, lighter colored roof materials, lots of insulation, and by placing A/C ducts in the attic to help absorb the heat.
• Install an energy-efficient and properly sized heating and A/C system for your home, make sure that duct work is correctly sealed, and use a programmable thermostat.
• Utilize landscaping materials, plants and design that is appropriate for the climate and rainfall levels in your area.
• Use low-flow toilets and showerheads and energy-efficient appliances.
• Recyclable and renewable materials can be used for decking, siding, interior and exterior trim, and more.
• Choose flooring materials made out of concrete, bamboo, or recycled wood.
• Replace your air conditioning filter regularly to enhance the performance of your air conditioning system and to reduce pollutants in your home.

For more ideas or estimates on incorporating green products and ideas into your home, contact the professionals below:

Bixby Roof Installation and Repair: A-Best Roofing, Judy Smith, 918-587-1426 or www.abestroofing.com
Heating and Air Conditioning Installation and Repair in Bixby: Air Assurance, contact Stephen Taylor at 918-258-HEAT or www.airassurance.com
Bixby Building and Remodeling: US Building Systems, contact Rick Oberlender at usbs@att.net.
Air Conditioning Filters: Filters 4 Me, contact Rick Butefish at 292-8600, rick@filters4me.com, or visit their website at www.filters4me.com.
Bixby Flooring Products: ProSource Wholesale Floorcoverings, contact Jim Ecrette at 252-7711 or prosourcejim@tulsacoxmail.com (ask for Darryl Baskin’s preferred pricing).


To find energy-efficient, eco-friendly, or green homes in the Bixby, Oklahoma area contact Darryl Baskin, McGraw realtors 918-258-2600 or www.darrylbaskin.com.

12 Million Home Automation Systems to Be Installed by 2016

Although Home Automation Systems are popular in many Bixby homes today, they are forecasted to drastically increase by 2016. According to ABI research, "Shipments of home automation systems will total about 1.8 million worldwide this year. But according to ABI Research, that number is set to rise sharply soon, exceeding 12 million in 2016. These figures are contained in a new home automation study from the firm, which confirms its previous forecasts."

ABI believes that the sharp increase in system installations will be a result of new technology. In addition to new technology, innovation such as the new Google Android@Home could make it easier to control and access home automation systems from devices such as smartphones.


For more information, visit the article, " 'No New Wire' technologies to drive home automation market to 12 million systems in 2016, says ABI Research" by Julien Happich.

For Bixby, OK. home automation system installation, contact Keegan Beck of KMB Enterprises LLC at 918-527-1031 or www.kmbenterprisesllc.com.

To buy a Bixby home contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com

Termites, When Will You Get Them in Your Home?

I am sure that there are many who are saying that they have never had termites in or around their home. In Oklahoma, the saying goes that "it's not if you get termites, it's when you get termites". According to our friends at Montgomery Exterminating, termites "break down plant and wood material" by tunneling underground until they get to a source of that material, your home for example. One of the main problems with termite damage is that they eat from the inside out. When you finally see the damage, often you can end up with structural damage as a result. In addition to your home, they will eat furniture, paper, fences, cloth and books.

Did you know?

• Termites on earth outweigh humans on earth!
• Over 5 million homes have some type of termite damage.
• Termite damage is more common than storm, fire, and earthquake damage.
• Your homeowners insurance will not likely cover termite damage.

So, what do you do to prevent termites from damaging your home?

Montgomery Exterminating uses the Sentricon Colony Elimination System to kill the termite colony and prevent any further damage to your home. For more information on Bixby, OK. termite elimination or the Sentricon Colony Elimination System, contact Duane Montgomery, Montgomery Exterminating, 918-438-4885 or www.montgomeryexterminating.com.

Why do I need a survey when I build a new home or addition?

When you decide to build an addition or a new home in Bixby, you will need a survey. A survey shows where the property lines are as well as any buildings, easements, driveways, or encroachments on the property such as a neighbor’s driveway. You might say, “I don’t need a survey, I have a plat map”. A plat map only shows the property boundaries, it doesn’t show easements or encroachments which can cause a problem with a legal title. A survey will ensure that anything you are building is not on someone else’s property or easement. It will also help if you have acreage and decide to sell some of it later.

For more information on Bixby, OK. land surveys, titles, and the closing process, contact JJ Pierce at First Title at 918-493-2241 or www.firsttitle.com.

For real estate in the Bixby, Oklahoma area contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Top 10 Ways to Prevent Roof Leaks

While roofing problems are obviously exacerbated by rain, there are other insidious, but lesser-known sources that contribute to roof leak issues. Whether you’ve got a new home or an older one, most roof shingles, on average, can go 15 years without needing repair—but a roof can deteriorate well before the 15-year mark, and the longer you wait to repair it, the more expensive the repair will likely be.

By being aware of the various problems that can lead to major roof leaks, you can catch them early, avoid expensive repairs, and prolong the life of your roof. Of course, this is especially critical if you are approaching the home-buying or –selling process. Home inspection company Pillar To Post recommends that you keep a close watch for the following roofing red flags and correct them as soon as possible:

1. Incorrect shingle installation. Even the strongest shingles won’t stand up to rain if they’re not properly installed. Improper joint locations and a lack of underlay are two issues that are particularly hard to see, but can be extremely problematic.

2. Structural sagging. A sagging roof structure is often the result of moisture retention, and nearly always foreshadows, or coincides with, a leak issue.

3. Water “ponding.” Clogged roof drains and indented areas on flat roofs can cause water pooling—which is basically a leak waiting to happen.

4. Damaged nails. Even on shingles that have been expertly installed, nails are the first thing to show wear. Corroding nails leave microscopic holes that invite water in.

5. Improperly hung gutters. Gutter placement is critical and just a tiny shift caused by strong wind can tamper with the gutter system and divert rain onto the roof.

6. Moss. As moss gathers, it retains more and more moisture that you might not be able to see—until it starts dripping into the attic.

7. Insufficient insulation. Pre-1980s homes, in particular, may not have an adequate vapor barrier; if they don’t, a replacement is warranted—surface patching and minor repairs will just amount to wasted money.

8. A deteriorating chimney. Cracks, eroded joints or decaying caps in the chimney allow moisture and water to seep in.

9. Poor past repairs. From improper plastering to inadequately plugged-up holes, any past repairs that look like they’re DIY are probably not up to code and are not apt to provide leak protection in the future. Have a professional evaluate and correct as necessary.

10. Don’t forget the attic. Many leaks can actually originate in the attic so be sure not to terminate any vent or exhaust pipes in the attic.

As a Member of the Top 5 in Real Estate Network®, I, along with my team, have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact our team any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Darryl Baskin
McGraw Realtors
918-258-2600
www.darrylbaskin.com

For Bixby roofing installation and repair, contact Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com

Abandoned Homes Can Decrease Your Property Value!

The article, "Battling the Neighborhood Eyesore" posted on Realtor.org says that "foreclosures will affect 91.5 million nearby homes by 2012 and reduce property values of these homes by $20,300 per household". For homeowners trying to sell their homes, losing an average of $20,000 in the value of their home is not pleasing. What can homeowners and neighbors of these abandoned properties do to reduce the chances of losing value on their homes? The article mentioned above gives several tips to help keep these abandoned homes from looking like an eyesore and therefore reducing property value of nearby homes. Read on for more information.

Abandoned homes can be an unpleasant sight. Overgrown lawns, boarded windows, sagging gutters, and unsightly mold—not to mention, a higher risk of fires, vandalism, rodents, and mosquitos.

Properties are often left to deteriorate while in foreclosure limbo; the owner is already gone but the bank can’t take possession until the foreclosure process is finalized.

So what happens when you have to sell the property next door? According to research by the Center for Responsible Lending, foreclosures will affect 91.5 million nearby homes by 2012 and reduce property values of these homes by $20,300 per household.

“We were getting a lot of complaints from real estate professionals about these properties looking unkempt and asking what we can do about it,” says Bud Humbert with Century 21 Associates in Waldorf, Md., and also the chairman of the legislative committee for the Southern Maryland Association of REALTORS®. On behalf of his association, Humbert, also an REO specialist, approached Charles County officials to request that they update the county’s nuisance abatement law to include a "clean and lien " provision. The rule would allow the county to step in and clean up vacant properties and put a lien on them for the cost of the cleanup. Other cities and counties have enacted similar ordinances.

If that neighborhood eyesore is bringing down your listing, here are some steps you can take:

Notify the homeowners’ association. Most HOAs will pay to have the grass mowed and take care of maintenance issues, and then tack the expense on to the HOA bill, which will have to be cleared by the bank before the property sells, Humbert says.

Investigate local and state laws. Some states, such as California, will fine owners for not maintaining properties. New Jersey passed a law that puts banks in charge of maintaining the property from the beginning of the foreclosure process. Whom should you contact with your gripe? Start with your city’s building division; it’s often in charge of making sure a vacant property is boarded and secured. The bylaw department can check for building code vio­lations, the fire department can inspect for fire hazards, and the police can help if there’s vandalism.

Make property boundaries clear. "We are called on to handle this situation frequently, " says Margaret Innis, owner of home staging company Decorate To Sell in Andover, Mass. "On the outside, fences make good neighbors; so does landscaping with arborvitae shrubs—a fast fix worth the investment. Inside, use plantation blinds turned down so the light comes in but the view does not. "

Help with cleanup. Stepping in to help with the maintenance can be tricky. Regardless of your good intentions, your actions could be considered trespassing. First figure out who owns the property, which can be a challenge in itself, and then offer your assistance. Some cities and counties have started a vacant property registration that makes it easier to locate the owner. When Andy Hood, with Weichert, REALTORS®–Covington Group in Madison, Miss., struggled to sell a condo that overlooked the patio of a foreclosed property, he called the neighbor and asked if he could clean. "The woman was grateful and accepted my offer, " he says. "I hauled away a truckload of junk, pressure-washed the exterior, washed the patio furniture, and weeded and pruned her flower beds and shrubs. " Hood’s listing sold immediately after.

To buy or sell Bixby, OK area real estate, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Tulsa, OK. Area Homes for Sale

Sapulpa, OK Home for Sale

602 Cross Timbers Blvd.
The Lakes at Cross Timbers
$329,000

3 Bedrooms
2 Full 1 Half Bathrooms
3 Car Garage

Broken Arrow, OK. Home for Sale

1705 S. Juniper Ave.
Village Park
$159,900

3 Bedrooms
2 Bathrooms
2 Car Garage

Jenks, OK. Luxury Estate for Sale

11425 S. Louisville Pl.
The Estates of Waterstone
$2,850,000

6 Bedrooms
6 Full 2 Half Bathrooms
7 Car Garage

For more information on these Tulsa, OK Area Homes for Sale or to buy or sell Bixby, OK real estate, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Bixby, OK. Area Horse Ranch for Sale...

Gorgeous Horse Ranch for Sale in Mounds, OK!

19983 S. Sheridan Rd
Mounds, OK. with 80 Acres

$2,699,000

4 Bedrooms
3 Full, 2 Half Bathrooms
5 Living Areas
3 Car Garage


For more information on this Tulsa, OK Area Luxury Ranch For Sale or for all your Bixby, OK. luxury real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Mortgage Rates Rise...

Freddie Mac reported that mortgage rates are on the rise after being at a "standstill" last month. Despite this, mortgage rates are very affordable. Read the article, "Mortgage Rates on the Rise" found at Realtor Magazine below:

After being mostly at a standstill the past month, long and short-term mortgage rates were moving up this week, reports Freddie Mac in its weekly mortgage market survey.

"Mortgage rates followed Treasury yields higher over the holiday week but remain quite affordable by historical standards,” says Frank Nothaft, chief economist at Freddie Mac. “For instance, interest rates on all mortgage outstanding in the first quarter of this year averaged just under 6 percent. With today's rates, these home owners who have the ability to refinance could shave $169 per month in interest payments on a $200,000, 30-year fixed mortgage."

To buy a BIxby home while rates are still low, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Why Sellers Should Consider a Pre-Inspection

Having trouble viewing this email? Click here to view it as a webpage!

Why Sellers Should Consider a Pre-Inspection

Traditionally in the real estate process, an inspection is requested by a home buyer around the time they are applying for a mortgage. In fact, more than 85% of home buyers request an inspection as a way to uncover hidden faults and costly repairs that may need to be taken care of. In today’s buyer’s market, revealing such faults prior to closing can serve as a bargaining chip for sellers, forcing the seller to either accept a lower price or foot the bill for repairs prior to closing.

That’s why an increasingly important strategy for home sellers in today’s market is to have your property inspected before even putting it on the market. Here are some reasons why:

• When potential buyers are considering your home, knowing that an inspection has already been done can make your home much more attractive to them. A pre-inspection can give you an important competitive edge by making buyers more confident about placing a bid on your home; with a pre-inspection, buyers know there will be no hidden surprises awaiting them down the road.
• If defects are uncovered once the buyer has already placed a bid and is applying for a mortgage, you are suddenly under the gun to either accept a lower offer or cough up the funds for repairs. Conversely, a pre-inspection allows you to take care of any repairs within your own timeframe. If expensive repairs are uncovered before putting your home on the market, you can budget accordingly over a period of time and comparison shop for the best pricing.
• A pre-inspection also allows you to decide which repairs are not necessary before putting your home on the market. Certain problems you might have been worried about may turn out not to be as bad as you originally thought…and, therefore, not make a difference in how you price your home.
• Having a pre-inspection affords you more control in the negotiating process. Being aware of your home’s pros and cons in advance, helps put you in the driver’s seat when it comes to price negotiations. In fact, a pre-inspection allows you to price your home more accurately in the first place.

As a Member of the Top 5 in Real Estate Network®, I, along with my team, have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact our team any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Darryl Baskin Darryl@DarrylBaskin.com McGraw Realtors Office: 918-258-2600 http://www.DarrylBaskin.com

Posted via email from The Baskin Report

Tulsa Area Homes for Sale...

Secluded Owasso, OK Luxury Home For Sale

15601 East 82nd Street North
in Owasso, OK.

$1,900,000

4 Bedrooms
4 Full, 2 Half Bathrooms
4 Car Garage

_____________________________________


Updated Owasso, OK Home!

11607 E. 84 Ct. N.
Three Lakes Village in Owasso, OK.

$94,900

3 Bedrooms
1 Full, 1 Half Bathrooms
2 Car Garage
_____________________________________

Gorgeous Horse Ranch for Sale in Mounds, OK!

19983 S. Sheridan Rd
Mounds, OK. with 80 Acres

$2,699,000

4 Bedrooms
3 Full, 2 Half Bathrooms
5 Living Areas
3 Car Garage
_____________________________________


For more information on any of these Tulsa, OK area homes for sale or for all your Bixby, OK. real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Consumers are Making Better Money Habits...

According to a recent article, "Recession Helping to Raise Awareness of Credit Scores and Leading to Start of Good Money Habits" at RISMedia.com, consumers are becoming more aware of and beginning to make better decisions with their money. They are striving to make better money habits. According to that article:

"Budgeting and Cash Flow:

• 25 percent of users have been late at least once on their monthly bills in the last year;
• Of those who said they were behind on their bills, 28 percent are concerned they will never catch up;
• Of those respondents with children, 64 percent did not currently make any contributions to an education fund;
• Less than half (48 percent) of those surveyed keep a budget to track monthly expenses and cash flow. This is down from 52 percent in 2010.

Credit Scores and Cards:

• 18 percent of respondents have maxed out at least one of their credit cards, down from 22 percent in 2010;
• 31 percent pay off their balances in full every month. This is down from 36 percent in 2010;
• When surveyed about the amount of credit card debt they are carrying, respondents with current debt stated:
-Less than $5,000: 27 percent
-Between $5,000-10,000: 16 percent
-More than $10,000 in debt: 20 percent
• Only 6 percent of users did not know their credit score.

Retirement:

• 39 percent of survey takers are scared or uneasy about their prospects for retirement;
• Nearly half of respondents said they plan to retire between 60-65, while 16 percent said they don’t ever see being able to retire"

When it comes to buying a home, these financial decisions and money habits can make a huge difference in getting a good mortgage rate to buy a home and not being able to get a mortgage at all. Begin today by making better money habits!

To buy a Bixby home for sale, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Do you know enough to get a good mortgage?

Last month, RIS Media presented an article entitled, "Nearly Half of Home Buyers Surveyed Don’t Understand Essential Information about Mortgages". Do you know enough to ensure that you can make an educated decision and get a good mortgage?

Here is some surprising information found in that article:

• "More than half (57 percent) of prospective home buyers who were polled do not understand how adjustable rate mortgages (ARMs) work."
• "One-third (34 percent) of the respondents who are prospective home buyers do not understand that lender fees are negotiable and that they vary by lender."
• "Nearly half (45 percent) of polled prospective home buyers believe that they should always buy mortgage discount points when obtaining a mortgage."
• "More than half (55 percent) of prospective home buyers in the study do not understand that mortgage rates vary throughout the day."
• "More than one-third (37 percent) of prospective home buyers who were polled believe that pre-qualifying for a loan means they have secured financing."
• "More than two in five (42 percent) of the polled prospective home buyers do not understand that Federal Housing Administration (FHA) loans are available to ALL buyers."

One way to ensure that you are well educated about mortgages, before you get one, is to do your research. Zillow.com offers lots of great information about mortgages and other real estate related fields. Click the link for more information.

Another way to make sure that you get the best mortgage, is to use a knowledgeable, experienced, and well respected mortgage broker. Selecting the right mortgage broker can mean lots of savings for you in the long run, as well as prevent a lot of hassle and run-around.


To read the original article, "Nearly Half of Home Buyers Surveyed Don’t Understand Essential Information about Mortgages" visit the link.

For all your Tulsa mortgage needs, contact Steve Currington, Currington Mortgage, 918-394-5626 or www.curringtonmortgage.com.

For all your Bixby real estate needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Tulsa, OK. Area Home for Sale

Tulsa, OK. Home for Sale

5821 East 101 Place
Forest Meadows Addition in Tulsa, OK.

$317,000

4 Bedrooms
2 Full 1 Half Bathrooms
2 Car Garage
3 Living Areas

For more information on this Tulsa, OK. Home for Sale or for all your Bixby residential real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Lawmakers Fight Over 20% Downpayment Requirement

Currently, a proposed law would require a 20% downpayment for all Qualified Residential Mortgages. There are concerns by many lawmakers and real estate professionals that this requirement would hinder the recovery of the real estate market. Read on for more details about this proposed law and how lawmakers are attempting to change the federal regulators minds...

More Lawmakers Fight 20% Down Payment

A proposed 20 percent down payment rule for qualified residential mortgages is too high, argues a growing group of lawmakers in the House of Representatives.

Late last week, about 240 lawmakers in the House sent a second letter to federal regulators urging them to lower the down payment rule on QRMs. Last month, about 150 lawmakers had signed a letter urging the same.

"The resultant reduction in demand for housing, due to an overly burdensome government dictate, would only add to the challenges the housing market faces, and could threaten a full-fledged economic recovery from years to come," the most recent letter reads.

The 20 percent down payment rule arises from an effort of several federal agencies that have been trying to urge more responsible lending and borrowing. The agencies created a proposed risk-retention regulation under the Dodd-Frank Wall Street reform law, which requires lenders that securitize mortgage loans to retain 5 percent of the credit risk unless the mortgage is considered a safe mortgage or a “qualified residential mortgage.” (FHA and VA mortgages would be exempt.)

QRMs would be exempt from the 5 percent credit requirement but would have to meet certain guidelines, such as the proposed 20 percent down payment requirement. Borrowers with less than 20 percent down could then be forced to pay higher fees and interest rates.

A 20 percent down payment requirement would cause more first-time buyers to flee from the already fragile housing market, analysts at Capital Economics say.

The National Association of REALTORS® also has been an outspoken critic of the proposal, saying that a 20 percent down payment requirement would jeopardize a housing recovery.

Source: “More Lawmakers Join Major Push to Reduce QRM Down Payment,” HousingWire (June 20, 2011)

To read the original article in Realtor Magazine, "More Lawmakers Fight 20% Down Payment", visit the link.

For Bixby, OK. real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Summer Cleaning Tips!

Now that Summer is officially in full swing, many homeowners are cleaning out their home. When cleaning out your home, remember these tips to make the decisions even easier:

1. Have I used the item within the last year? Will I use the item within the next year?- If the item hasn't been used in the last year, it is unlikely that you won't use it this coming year, so consider getting rid of that item.
2. Is this a sentimental item?- If the item has sentimental value and you have the space to store it, then keep it if you want. Remember though, some of us think that everything has sentimental value, so limit your sentiment or you will be overflowing!
   
3. Does this item hold monetary value?- If you don't use or can't store the item, consider selling it or giving it to someone who would appreciate it.
   
4. Do I have room for this item?- If the answer is no, then store it or get rid of it.
   
5. Is this item usable?- If the item is broken, too old, or unusable, consider recycling it.
   

For all your Bixby, OK. Junk Removal, contact David, I-Haul of Tulsa, 918-852-2146 or www.ihaulusa.com.

For Bixby, OK. Storage and Moving Solutions, contact Mike Ellingson, Relocation LLC, 918-459-6683 or www.relocationllc.net

10 Ways to Get Rid of Mold in Your Home

Whether you’re a home buyer, homeowner, or home seller, mold poses a wide range of problems, from cosmetic issues to serious health hazards. According to the Alliance for Healthy Homes, more than 1,000 types of molds have been found in U.S. homes, and approximately 6-10 percent of the general population, and 15-50 percent of people who are genetically prone to develop allergies, are allergic to mold.

Surprisingly, some of today’s advanced building techniques unwittingly foster mold growth in the home. As buildings are increasingly designed to prevent the infiltration and exfiltration of air, the materials used lock in moisture and humidity. Older homes are at risk thanks to leaky windows and roofs that bring in even more moisture.

Finding and removing mold is of the utmost importance, whether you intend to sell your home in the near future or not. Here, from home inspection experts, Pillar To Post (www.pllartopost.com), are 10 tips for combating mold in your home:

1. Call in a home inspection professional to assess water-damaged areas.

2. Keep humidity low. Humidity levels should be under 40% in order for mold to stop its forward march.

3. Replace any carpets and furniture that have ever been significantly damaged (i.e., saturated in water), even if they look OK on the outside.

4. Carpet in a bathroom or basement is never a good idea. Remove any that exists in those areas in your home.

5. Use an air conditioner during the summer months, even if it’s set at a relatively high temperature, like 80. Use fans to circulate air.

6. Dust and clean furniture regularly, and vacuum carpets at least once a week (make sure your vacuum has a HEPA filter).

7. Provide adequate ventilation in hot areas. The kitchen and bath are two of the highest-risk rooms for mold. Install exhaust fans in the kitchen and bathroom.

8. When you’re shopping for house paint for big or small painting projects, ask the sales rep about mold inhibitors you can add before painting.

9. Does your central air system have a fan from the Ford Pinto era? If so, replace it with a high-performance electrostatic air filter. Your local HVAC technician can help with this.

10. Don’t neglect areas underneath the house—have a professional drain and ventilate all sub-basement areas, especially crawl spaces.

If you do find mold in your home, remove it with a store-bought anti-fungal solution, or get rid of it with a weak bleach solution—1 cup bleach in 1 gallon of water. Or, if mold exists in a larger area, call in a professional to help.

As a Member of the Top 5 in Real Estate Network®, I, along with my team, have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact our team any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Darryl Baskin, McGraw Realtors, 918-258-2600

For professional Bixby, OK. mold removal, contact Roger Fisher, PCC Cleaning and Restoration, 918-641-1111 or www.pcccr.com.

For high performance air filters delivered to your door, visit www.filters4me.com.

For Bixby Air Conditioning Repair and Replacement, contact Stephen Taylor, Air Assurance, 918-258-COOL or www.airassurance.com.

For wholesale flooring in Bixby, OK. contact Jim Ecrette, Prosource Wholesale Flooring, 918-252-7711 or www.prosourcefloors.com/tulsa. Remember to ask for Darryl Baskin's wholesale pricing.

For all your Bixby real estate needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com

Spectacular Luxury Home For Sale...

Tulsa, OK. Luxury Home For Sale

1714 East 35th Street
Adams Estates in Tulsa, OK.

$749,900

5 Bedrooms
5 Full, 2 Half Bathrooms
4 Living Areas
2 Car Garage

For more information on this spectacular Tulsa, OK. luxury home for sale or to buy or sell Bixby, OK. real estate, contact Kelly Howard, Tulsa Luxury Property Group at McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Storm Damage and Insurance Claims

1. The first stage of the claim process - getting started:

I have a storm claim - what do I do?
The first step in the claims process is reporting your damage to your insurance company. Call your insurance company to report the claim. At this stage, your call will most likely be directed to someone gathering basic information such as contact information and broad general information regarding your loss. This person most likely will not be the adjuster assigned to assess and evaluate your claim and is not the person who will ultimately decide on insurance benefit payments to you. It is important to provide answers to any questions asked at this stage.

What if I cannot find my policy?
Immediately ask your insurance company or agent for a complete copy of your insurance policies, including your declarations page. That policy is the contract between your insurance company and you. You need a copy to understand what coverage types are available to you in case you later need to tell your lawyer this information. Some of these coverages may be difficult to understand. Basic
coverage types in these policies include dwelling, other structures, personal property
and loss of use. Common additional coverages include debris removal, property
collapse, and reasonable repairs. Also, the policy will also determine amounts of
coverage as well as any exclusions, conditions, and deductibles regarding coverage.
The debris removal coverage, if available, may be particularly helpful at this early stage
to pay to clear your property. While this fact sheet addresses residential homeowner’s
insurance, commercial property insurance can cover both physical structures and
property as well as loss of business and income as a result of a disaster.

I have been assigned an adjuster, so what happens now?
An adjuster’s job is to investigate the claim for the insurance company. Determining what caused the damage and placing a value on the damage are part of this stage. You should expect the adjuster to inspect the damage initially and provide guidance as to what you can do to move the claim forward. You should ask the adjuster what you should do to assist in the claims process. Take notes of any instruction given to you. If you do not understand anything, ask for clearer instruction or explanation.

The adjuster assigned to me does not work for my insurance company. Should I be concerned?
Oftentimes, following a natural disaster with widespread damage like we
experienced on April 27th, insurance companies will employ what are called
“independent” adjusters to help handle claims due to the high volume of claims coming
in. This does not change any obligation of your insurance company. The policy between
you and your company remains in effect and must be honored regardless of whether
the adjuster is a direct employee of your insurance company or an “independent
adjuster.”

I do not like my adjuster. What can I do?
You have an obligation under your insurance contract to cooperate with your insurance company. This might include answering questions you feel are unnecessary or impossible to answer at this time. Do not forget your obligation to cooperate. If you refuse to cooperate, you may be giving your insurance company an opportunity to not pay your claim, in whole or in part. That does not mean you have to accept any payment offer from the company. Instead, this means you have to provide information asked by the company or adjuster. If you find you cannot work well with your adjuster, you may request another one. Some policies provide for this right, while other policies do not. Prior to making this request, review your policy. Under the strain from and the recent destruction, such a request may also slow down your claim.

I cannot live in my home. What can I expect from my insurance company?
Determine what “Additional Living Expense” coverage you have from your adjuster and your policy. "Additional Living Expenses" generally includes hotel or restaurant bills; the limit in terms of specific dollar amounts or percentage of coverage are usually defined. Make sure you understand the limit - the maximum total amount of coverage - you have so you can budget your living arrangements. This coverage is designed to provide a comparable standard of living after a loss. Ask what documentation you need to provide to continue this coverage while you are displaced from your home.

**For part two of this article, visit www.darrylbaskin.com/baskinreport

For Tulsa, OK. legal questions regarding storm damage and insurance claims, contact David Keesling, Richardson Richardson Boudreaux Keesling at 918-492-7674 or www.rrblawok.com.

For all your Tulsa, OK. insurance needs. contact Mike Tedford, Tedford Insurance, 918-299-2345 or www.tedfordinsurance.com.

What is Required in a Home Inspection?

When we purchase a Bixby home, many homeowners choose or are required by their mortgage, to have their home inspected. Each inspector has their own way to inspect the property and some do more than others. There are requirements, however, by the Oklahoma Home Inspection Industry (OAC 310:276) that gives minimum requirements for a General Home Inspection. Those requirements include:

The inspector shall inspect and describe the condition of the following items:

1. Structural System Inspection Requirement
a. Foundation Components
b. Framing Components
c. Method of Inspection
2. Exterior Inspection Requirements
a. Exterior Wall Coverings
b. Flashing, trim, fascia and soffits
c. Doors and windows
d. Balconies, decks, and railings
e. Steps, porches, walkways, patios, and driveways
f. Site, grading, surface drainage, and retaining walls
3. Roof System Inspection
a. Roof covering, penetrations, and flashings
b. Skylights
c. Chimneys
d. Method of inspection
4. Plumbing System Inspection
a. Fixtures, faucets, drain and vent systems
b. Water heaters, flues, energy source, and safety relief valve
c. Fuel storage and distribution systems and location of main fuel shut off
d. Water supply and location of main water shut off
5. Electrical System Inspection
a. Service drop, service entrance conductors, cables and raceways
b. Main disconnects, distributions panels, sub-panels, and grounding
c. Describe the amperage and voltage of the source
d. Conductors (including presence of aluminum branch wiring)
e. Readily accessible lighting fixtures, switches, ceiling fans, receptacles, ground fault
circuit interrupters, accessible wiring and splicing
f. Absence of smoke detectors
6. Heating System Inspection
a. Installed heating equipment, vents, flues, and chimneys
b. Energy source and distribution method
7. Cooling System Inspection
a. Central and through the wall cooling equipment
b. Energy source and distribution method
8. Interior Inspection
a. Interior walls, ceilings, and floors
b. Steps, stairways and railings
c. Cabinets and countertops
d. Doors and windows
e. Garage doors and automatic openers
f. Built-in kitchen appliances (garbage disposal, cook top, oven, dishwasher, vent hood)
9. Insulation and Ventilation Inspection
a. Insulation and vapor barriers in attic and crawlspace areas (or absence of)
b. Ventilation of attic and crawlspace areas
c. Mechanical ventilation systems
10. Fireplaces and Solid Fuel Burning Appliances Inspection
a. Firebox, damper, flue and solid fuel burning appliances

Need Bixby Home Maintenance repairs after your home inspection? Contact these professionals...

Bixby, OK. Roofing Repairs- A-Best Roofing, Judy Smith, 918-587-1426 or www.abestroofing.com

Plumbing Repairs in Bixby, OK.- Mullin Plumbing, Markwayne Mullin, 918-258-6636 or www.mullinplumbing.com.

General Repairs, Remodeling and Building in Bixby, OK.- US Building Systems, Rick Oberlender, 918-518-5913.

Bixby, OK. Electrical Repairs- Murray Electric, Larry Murray, 918-557-3020 or www.murrayelectric.com.

Heating and Cooling Repairs in Bixby, OK.- Stephen Taylor, Air Assurance, 918-258-COOL or www.airassurance.com.

What's Going on in the Real Estate Market?

The article, "Home Inventories Grow, Prices Fall" found at RealtorMag.com (Daily Real Estate News-June 16, 2011) cited some interesting real estate market statistics. Check them out below or follow the link above.

The inventory of for-sale homes grew in May by 3.5 percent, which marks the biggest monthly increase of the year, according to the latest housing data from Realtor.com. However, overall inventories dropped 14.3 percent compared to a year ago at this time.

Median asking prices for homes were down last month, falling 1.6 percent which follows two months of increases, the data shows.

Some of the largest declines were seen in Chicago and Tampa, Fla, where asking prices were down 5.7 percent from April, and in Phoenix prices were down 5.4 percent.

Listing prices increased in only 10 of the 146 markets tracked by Realtor.com. Denver and Washington, D.C., posted some of the largest listing price increases.

The National Association of REALTORS® will release next week its report on sales and inventory of existing homes.

For your Bixby, OK. residential real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Homes for Sale in the South Tulsa Area

Jenks, OK. Luxury Home

11808 South New Haven
Scissortail at Wind River in Jenks, OK.

$785,000

4 Bedrooms
4 Full, 1 Half Bathrooms
3 Car Garage
Jenks School District
----------------------------------------------------------------------

Bixby, OK. Home for Sale

14493 South Lakewood Ave.
The Ridge at South County in Bixby, OK.
$339,990

4 Bedrooms
3 Full, 1 Half Bathrooms
3 Car Garage
Bixby School District
----------------------------------------------------------------------

Broken Arrow, OK. Home For Sale

2500 South 15 Street
Washington Lane III in Broken Arrow, OK.
$299,000

4 Bedrooms
3 Full, 1 Half Bathrooms
2 Car Garage
Broken Arrow School District



For information on these South Tulsa Homes for Sale or to buy or sell Bixby, OK. area real estate, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Homeownership Survey- What do Americans Think?

According to a recent survey, "Despite the ups and downs of the housing market, home owners and non-owners alike consider owning a home essential to the American Dream." (RISMedia, June 10, 2011). Part of the survey information is found in an article, "Owning a Home Essential to the American Dream, Survey Shows" posted recently by RISMedia.

Americans are looking further than what the housing market is doing currently. Survey shows that Americans are looking into the future and seeing the value of owning a home long term. What are some other survey results?

• "Homeownership and a retirement savings program are considered by voters to be their best investments."
• "80 percent of home owners would advise a close friend or family member just starting out to buy a home."
• "Saving for a downpayment and closing costs is the biggest barrier to homeownership."
• "Americans believe that owning their own home is as important as being successful at their job or being able to pay for a family member’s education."

To read the entire article, "Owning a Home Essential to the American Dream, Survey Shows" posted recently by RISMedia visit the link.

For Bixby, OK. real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Condos For Sale in the Tulsa, OK. Area

Tulsa, Oklahoma Condominiums for Sale

Enjoy the View from these Charming Spacious Condo's just Steps Away from the River Parks. Downtown and major interstates are only minutes away.

3731 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$172,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage

______________________

3727 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage
________________________

3729 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage


To sell your Bixby, OK area Condo or to find condominiums for sale in Bixby, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com