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WOW! Rare Handcrafted Hindu Temple Put Pearland in the National Spotlight

This Hindu temple in Pearland made national headlines today on Yahoo News.  Living in Pearland, I’ve never noticed or heard about this Temple before.  The original video below didn’t really cover that much detail other than showing a few shots of the Temple so I did a little digging to find and learn more about the beauty of the Sri Meenakshi Devasthanam Temple.  It’s located south of Pearland Junior High near Bailey on McLean.  It’s another beautiful feature that makes Pearland unique and I can’t wait to get a closer look at it next time I’m near it.

Click here for the Temple photo search.

Click here for The Sri Meenakshi Devasthanam Temple website.

Click here for original Yahoo News Video.

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What does a typical beautiful home in Pearland look like?

Click here for Pearland homes ranging from $300-$350k.

Are you looking to buy your dream home in Pearland, Texas?

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Relocation Information

Pearland is located within the Houston area. If you are thinking about relocating to Pearland, Texas we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (281) 962-4082.

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4 QUESTIONS TO ASK BEFORE HIRING AN INTERIOR DESIGNER

Our favorite lender Jerry Tomlinson with Supreme Lending had some great tips he wanted to share with our clients looking at homes in League City, Pearland, and our surrounding areas.  If you are looking to buy or sell a home in Southeast Houston give us a call at 281-962-4082; we are excited to help you find a perfect home for your family!

Now, on to Jerry! –

Whether you’re styling a new room, renovating an existing one, or simply hoping to bring some fresh style to your home, putting together an aesthetically pleasing space can be a challenge. That’s when some people will start to consider hiring a professional to help them out. If you’re looking at working with an interior designer, here are four questions to ask yourself first to make sure it’s the right decision for you.

What’s your style? Do you want a Scandinavian style? Industrial? Shabby chic? Mid-century modern? Your interior designer can provide guidance if you’re not sure what kind of look you’re going for, but knowing what styles you like and dislike can offer some important guidelines to make sure you end up with a finished product you’re happy with. Here are 10 interior design style quizzes to help you narrow down what you like!

What do you need help with? You can do it yourself or you can hire a full-service interior designer who will handle every step from concept to execution, but most people need something in between. Each designer has their strengths and specialties, so it’s important to know what skills you’ll need before choosing the designer. Check out these questions before you hire a designer to make sure they are the best fit for you and your project.

Are you ready to give input? It might sound appealing to hand off a room or a home to a designer and then come back to a finished space, but in actuality, you will be answering a lot of questions and making a lot of decisions. If you aren’t ready to be decisive, it might be better to DIY your decor, so you have as much time as you need to experiment.

What’s your budget? Interior designers, like most professionals, can tailor their offering to your budget — as long as you know what it is. Make sure you’re prepared with a number or range, because many designers ask for the amount in a lump sum. Need some tips on how to determine your budget? Here’s a guide that will walk you through how to maximize your decorating budget, and tips on how to stick to it.

If you’ve answered all these questions, you probably have a good idea not just of whether or not you should hire an interior designer, but of what sort of designer you should be looking for. No matter which direction you take, best of luck putting together a home or room with a look you love!

Are you interested in financing a home purchase, or refinancing for home improvements? Please text, email, or call us. We’re here to help!

Financing a home purchase, or refinancing for a lower rate or improvements? Please text, email, or call us. Have a great day!

Jerry L. Tomlinson
Senior Loan Officer
NMLS# 188931

14841 N. Dallas Pkwy Suite 250
Dallas, TX 75254

Office: 972-447-5748
Mobile: 972-922-3742

Back to the Blog here.

A fun home walkthrough with Stephanie in League City:

More Organizing Tips with Stephanie:

Thinking about selling your home and want a free home listing consultation with Stephanie and The I Spy Realty Team?  Call our office to make an appointment: (281) 962-4082.

Interior Design in the Headlines

Relocation Information

Texas City and La Marque are located within the Houston area. If you are thinking about relocating, we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (281) 962-4082.

Are you thinking about buying or selling?

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Credit Score Repair and Tips for Home Buyers

A credit repairman can be a home buyer’s best friend and saving grace.  As professional full-time Realtors on The I Spy Realty Team, we see our clients lean on credit repair all the time.  Let’s face it; credit scores can be confusing.  It’s a very common (and incorrect!) assumption for clients to think that there is just no way that they will ever be a homeowner due to low/no credit.  The first piece of advice that a Realtor should give a client who’s unsure about their financial situation is to reach out to a preferred lender if they don’t already have one.  A good lender can easily tell you where you stand with credit and how it can affect your ability to purchase as well as the cost of your monthly payments.  If your lender tells you that your credit does need to be improved to be able to buy a home, speak with a credit repair company that has a great reputation.  We reached out to our friend, Justin Mirche with Creative Credit Solutions, for some great info about credit repair.

He was kind enough to share a few insights with this guest blog contribution… (Thanks Creative Credit Solutions!)

Ways To Raise Your Credit Score From 500 to 700

A poor credit score can not only be a hurdle, but it can also be damaging to your goals and plans, particularly when applying for a mortgage or buying a new car. FICO credit scores range generally from 300-850. As we’re all aware the higher your score is, the less of a risk you are to lenders and hence the better interest rate you’ll receive.

If your credit score below 620, you’ve probably run into financial difficulties and are ready to get back on track. Late payments, charge-offs and collections all play into low credit scores. However, the good news is, no matter where you are score-wise there are always steps you can take for improvement.

So, what do you do to get started? Let’s take a look at some ways you can begin to move your credit score in your favor.

Understanding How FICO is Determined

35% of your credit score is your payment history, 30% is credit utilization, 15% is length of credit history, 10% is new credit and 10% is credit mix.

With this model in mind, one of the first and most obvious things you can do to help boost your credit score is ensuring you are making all of your payments on time. Setting up automatic payments can really help you accomplish this. Because this is such a major factor of your credit score, you want to do whatever you can not to have any late payments.

Late Payments, Charge-Offs, Collections, Foreclosures, Bankruptcy and Judgements

While there is no quick magical way to get these marks off of your credit profile, the most effective way to start is by contracting Creative Credit Solutions to work on your behalf.  The Fair Credit Reporting Act (FCRA) mandates that everything on your credit reports must be 100% accurate, completely verifiable, and timely or it must be deleted.

Keep Your Credit Utilization Ratio Low

When you’re in the rebuilding process with your credit, you want to be sure to take note of your credit utilization ratio. Your ratio is determined by your total credit card balances divided by your total credit limit. Keeping your utilization below 29.99% makes you a more attractive borrower and gives creditors the comfort in knowing that you’re not high risk. Think about it, someone who has lots of money they COULD spend but CHOOSE not to spend is quite obviously lower risk and lower risk = higher credit score!

Length of Credit

This can be a difficult one because you can only have history for as long as you’ve had it and there’s no way for you to extend that time frame. You can however, add yourself as an authorized user to someone else’s seasoned account if you have that option available. The best accounts for consideration are long term ones, with low balances where timely payments have been made.

Another option is to request that an existing long-term utility account under your name that is in good standing begin reporting to on your credit.

Paying Down Existing Debt

This one may seem obvious, but getting your debt paid down is certainly a good move when trying to raise your credit score.

Diversify Your Debt

If all of your credit is coming from store cards, that doesn’t reflect well on your credit report. It’s best that you have a good mix of credit which can include credit cards, installment loans, retail accounts and a mortgage.

Create A Budget…And Stick To It

Although it’s probably not on your top ten list of fun things to do, let’s be honest, more than likely it’s not on your top twenty either, creating a budget is a vital tool in rebuilding your credit. You have to know your numbers so you can plan as you move toward your financial goals. Budgets also help you actively contribute to savings accounts and emergency funds, which assist in not having sudden financial downturns in the future such as repairs and medical expenses.

For more info about Creative Credit Solutions, you can connect with Justin Mirche here: 972-603-6776

Or the Creative Credit Solutions website here: https://www.creativecreditsolutions.net/index.php

Check out some of the beautiful new listings just hitting the market in League City!

Relocation Information

League City is located within the Houston area. If you are thinking about relocating, we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (281) 962-4082.

Are you thinking about buying or selling?

We are local experts and are here to help guide you through your home buying or selling experience.

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Successful Real Estate Agents in League City, TX

League City Realtor

Are you getting your real estate license and interested in becoming a great agent?  Our brokerage is in League City which is about 30 minutes southeast from Houston.  We are always looking to create more success for our agents and many times there are either misconceptions or a lack of knowledge on how to get the ball rolling properly to become a great agent for your clients.  Here are a few tips to ensuring success and longevity as a real estate agent that will allow you to serve your clients better:

Take the time to find the right brokerage for YOU.

A quick online search shows there are over twenty five thousand Realtors in the Houston market.  Granted, many of them are not very active but that’s still a lot of people no matter how you cut it.  In economic terms, the barrier to entry into the profession is low, meaning it’s not terribly difficult to get a license.  With that many Realtors in the market, there are so many different types of brokerages to choose from and they are not created equally.  Spend the time to make sure that the brokerage you are joining is the right fit for you in terms of personality/vibe, support, location, fees, and teams versus lone wolf agents.

a) Personality and Vibe – Do you feel comfortable with the tempo of the office and how do you feel about your coworkers? When you are not with clients, you will be spending the majority of your time around your broker and fellow agents.  There are plenty of brokerage options out where you don’t have to feel trapped in a toxic work environment.  Your broker helps to set the tone for the office vibe by bringing on agents that are a good match with work ethic, ethics, and personality matching.  If you’re surrounded by too many “Negative Nancy” types, seek greener pastures.

b) Support – Are you getting the right amount of hand-holding and coaching for your experience level?  If you are light on experience, a good mentor in the office can make or break you and you should also ensure that the leadership has a friendly and supportive attitude, i.e. they are happy to help and engaged in your success.

c) Location – When you join an office, you want to make sure that they are reasonably close to you to cut down on commute.  Houston is spread out geographically and a long commute can be a drag on both your happiness and productivity.

d) Fees – Beyond the HAR and TREC fees that all Realtors pay to keep their license active and compliant, I’m referring to the different types of fees that vary and are broker-specific like 1) Training Fees and 2) “Desk” Fees you will owe the broker for your office space.  These fees vary wildly between brokerages and you want to know what charges you’re going to get hit with before you ever earn your first dollar in commissions and there can be recurring fees that you may be responsible every single month whether you’re a producing agent or not.  You’ll want to compare those fees on every brokerage you look at joining.  If you’re being charged an arm and a leg up front for training and desk fees, how likely is it that your broker cares whether you’re successful or not when they’ve already collected a lot of money off of you?  If you’re just getting your license, that may be the most important paragraph you’ll ever read.  Take note!

e) Teams Versus the Lone Wolf Agent – Many agents enjoy the collaborative approach to working within teams.  You receive more assistance with the deals you’re working on and can also enjoy not having to feel like you’re trying to figure out everything on your own.  A real estate agent is a small business owner and responsible for accounting, compliance, fiduciary responsibility to clients, transaction coordination, supplies, marketing, lead generation, and on and on.  It is easier to be a part of a team that can assist you with the different aspects of the transactions and business instead of being overwhelmed and feeling responsible for everything.  As the old saying goes, “Many hands make light work.”  The lone wolf real estate agent will generally not be prepared for all the different types of skills required for the business that a team can fulfill much more easily and the lone wolf will usually fail and quit because of that which explains why the majority of real estate agents in any market do not last more than 3 years on average!

If you take the time to assess these items on the front-end before you join a brokerage, it can help increase your probability of success dramatically.   If I can help make an introduction for you to interview our outstanding real estate team, give us a call!

713-965-4561 Tim LaBorde

Hear What Our Clients Think: https://www.directedrealty.com/online-reviews/

Tim’s Tips For New Realtors:

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Beautiful New Crystal Lagoon in Lago Mar, Texas City


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Our team member Stephanie has been a resident of Lago Mar in Texas City since June 2018 and has witnessed first-hand the development phases of the beautiful new oasis being constructed in Lago Mar.  I also have family members living in the neighborhood and it has been exciting to check out the development regularly and watch quality builders come in and construct new homes while simultaneously developing the oasis.  The Lagoon will include actual white sand beaches, a “Float-opia” obstacle course, water activities, shopping, and other amenities… and residents of the subdivision have exclusive access to parts of it!  Per the following article, “The first phase of construction is expected to be complete by 2020.”  Our team specializes in this neighborhood and we’re excited to share our local knowledge with you; give us a call! (281) 962-4082

For more research articles about Lago Mar and the Lagoon, click here, here, and here.

A fun home walkthrough with Stephanie:

Be the FIRST to check out Lago Mar’s newest listings in Texas City!

Relocation Information

Texas City is located within the Houston area. If you are thinking about relocating, we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (281) 962-4082.

Are you thinking about buying or selling?

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Top 10 Breaking News Articles for Houston Real Estate

Click here for a quick list of Pearland homes.

Relocation Information

Pearland is located within the Houston area. If you are thinking about relocating to Pearland , Texas we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (281) 962-4082.

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Pearland News: Man Moves Into Starbucks?!

How Far Is Starbucks From You?

Lately, stats have proven that your home’s value can be dependent upon your proximity to the local Starbucks, Trader Joe’s or any other local grocery store as well as fast food locations. According to Zillow, things that increase your home’s value are good school districts and neighborhoods, larger square footage and its closeness to these local retailers.

Recent research shows major increases in value for homes that are “in the thick of things” as opposed to those that are out of the way a bit.

Of course, we’ve heard this our whole life. Location, location, location.

The most recent data we’ve found shows that homes within a quarter mile of Starbucks had value appreciations nearly double that of homes that are further away. Meanwhile in Detroit, homes near a brand-new opening of a Whole Foods have nearly DOUBLED in price!

A RealtyTrac study showed that homes in the same zip code as a Trader Joe’s went up by an amazing 40% during a period when the average growth for the nation was only 34%.

In all fairness, what happens in other areas around the nation doesn’t necessarily apply here in our area all the time, but it certainly makes sense when buying the next home to start thinking more about location!

There’s a definite connection between property values and it’s closeness to these new or popular retail locations around the country.

There are many factors that go into what you are looking for when considering a possible move. First and foremost is always about finding the perfect home for your family’s needs. However, a very important second factor to consider is location to popular retail locations even if it’s not establishments that you would frequent yourself. You have to keep resale value in mind anytime you are buying a home for your family, or for investment purposes. If you have questions about any of these thoughts, just give me a quick call here. I’m always happy to speak with you (if it’s at Starbucks in Pearland)!

When Is The Best Time To Sell A Home?

This is the question of all questions when it comes to real estate. As a professional agent and marketing specialist, I talk to homeowners during every month of the year that are hoping to “time the market” to sell the home for as much as possible.

The common misconception is that you will sell a home for more money during one season as opposed to another one. Unfortunately, we’ve never found any data whatsoever to support that in this area.

In some areas of the country, there are more buyers in the Summertime and in other areas, the Wintertime is the big season. But guess what??? When there are more buyers, there are also more sellers trying to sell. As a matter of fact, most of those buyers also put their current property on the market so that they can make the move.

The most ridiculous thing anyone can do when making a move for their primary residence is to try to “time the market” in lieu of making the move when the family needs change.

In real estate, we know that most people have a housing need change when they go through a life change. In other words, a birth or death in the family, a job promotion or a job loss, children heading off to college, a marriage or divorce and other things of this nature. When there’s a life change, it creates a housing need change. The last thing you’d ever want to do is wait until “the hot market” time in the area. The truth is, everything is based on supply and demand and your home won’t sell for more money when there are 5 times as many homes available for sale in your neighborhood. As a matter of fact, due to the competition, I’ve personally witnessed this having a negative effect on home prices because after all, you probably don’t really NEED to sell your home so someone will always be a heck of a lot more motivated to unload their home than you are. That creates a downward pressure on asking prices.

In reality, if you are going to be utilizing a mortgage when buying your next home, you want to time the market by timing YOUR expenses which is the interest rate. Since rates are going up and it appears that will continue to happen for the next several years, the absolute BEST time to buy a home was 3 months ago. The next best time is right now. Waiting a year or two can cause you to pay several hundred dollars per month more in the form of a higher interest rate.

While nobody can precisely predict the future of the economy in any country, it’s safe to say that rates will never go any lower than they’ve been lately. After all, for all of us still living and breathing, we’ve never seen anything like this before throughout our adult lives.

It may be wise to find that new place sooner, rather than later. If you feel like your family deserves a bigger home and could really utilize the extra space, now is the time for us to start casually looking around with no commitment of officially making a move. But for my clients, I want to ensure they don’t wait until rates are way up again and it prices them out of the ability to secure a larger home for the same monthly payment they have now.

Give us a call if our team can help!

Tim LaBorde

713-965-4561

tim@directedrealty.com

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New Homes and Home Builders in Texas City


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I had a great time in Texas City checking out these new homes in the Marlow Lake subdivision made by GreenEco Builders.  I live in a DR Horton in Pearland, which I’m very fond of and my family loves but one thing stood out to me about these Texas City homes besides their professional quality and beauty: the fact that GreenEco has a 3rd party inspector coming in to review the construction process as the house is being built.  It is traditional for the city / jurisdiction to have their own inspectors stop through during different phases of the construction process to make sure the builder is complying with the city’s local building ordinance / standards / regulations and the builders are required to pull permits to get construction done.  However, I tend to look at the city’s standards as being barebone and ensuring minimal safety guidelines.  I’m not knocking that inspection – it’s important.  However, GreenEco Builders is the first builder that I’ve heard of that puts it into their regular process to have a 3rd party inspection done on each of their homes.  I was kind of blown away by that because when we bought our DR Horton, no one suggested to us to get a 3rd party inspection.  My wife, the brilliant sage that she is, did some research on buying a new build and insisted on getting the 3rd party inspector and I ended up being glad we did.  Not that we found any major issues with our DR Horton at all, but there were minor things that the construction crew did that needed corrections that were pointed out by our inspector that wouldn’t get tagged by a city inspector.  The typical consumer would probably not think to get an inspection on a new build but after having looked at many new builds around town, I’d always advise clients to look at that inspection as an insurance policy to protect yourself from the builder.  The takeaway for me was that with GreenEco, you didn’t have to because they make it apart of their process to include it.  Anyway, check out these pictures and give us a call at 281-962-4082 if we can help you look at some new builds in Texas City.  With 4 decades of real estate experience on our team, I know that we can add value to your home-buying process and take the heavy lifting off of your shoulders!  Check out our happy customers here: https://www.directedrealty.com/online-reviews/

GreenEco Pictures:

Brand New Homes From Different Builders in Texas City Just Coming Onto Market:

 

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Relocation Information

Texas City is located within the Houston area. If you are thinking about relocating to Texas City, Texas we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (281) 962-4082.

Are you thinking about buying or selling in Texas City, Texas?

We are local experts and are here to help guide you through your home buying or selling experience.

Connect with Us Today!

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Successful Saver Tips For Buying A Home In League City, TX

Did you know that 69% of Americans have less than $1,000 in the bank? The list of things to spend money on is endless, from luxuries like eating out at restaurants and going on vacation, to necessities like household repairs and gas. There’s always something to spend that money on that feels more pressing than saving, which is why so many people struggle to put away the 20% of each paycheck that experts recommend as a baseline for healthy savings.

Here are a few things that successful savers do as part of an effective savings strategy:

They don’t leave savings for last. Too many people wait until they’ve budgeted out all their monthly spending, and then put the leftover into savings. But if you want to make saving a priority, it should be one of your first line items on your budget — up there with rent and utilities. This is often referred to as “paying yourself first.”

They automate their savings. Out of sight, out of mind! If you don’t even see the money before it’s in your savings account, you’ll have less temptation to spend it. Use recurring automated bank transfers or a saving software to set up rules for savings that happen whether you think about them or not.

They’re aggressive with their debt. When it comes to saving money, bad debt is your worst enemy! Truly effective savers prioritize paying off debts so that their income can start going into their pockets again. The Debt Snowball Method is one popular strategy for paying off debt quickly. (Also, if you are in the process of, or interested in, obtaining home financing we’re here to talk to you about debt repayment strategies.)

They spend less than they earn. This one sounds obvious, but many people don’t follow this shockingly simple rule. This can be achieved by spending less, earning more, or some combination of the two. Either way, there’s no way to save if you’re spending more than you earn each month.

More than anything else, the key to beefing up a savings account is simply creating a plan and sticking to it. If you take the time to work out a budget, set goals, and create systems, you’ll start seeing bigger numbers in no time.

Click here for a fresh list of League City homes! 713-965-4561

 

Relocation Information

League City is located within the Houston area. If you are thinking about relocating to League City, Texas we can help you find the perfect home and make your move as stress-free as possible. We offer valuable insight into the area to help you through your home buying experience. Contact Us at (713) 965-4561.

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