Monday, February 29, 2016

88 Things

Germs! They are always looming and you never know when they will surface. Well, they did this week in my house. The infamous stomach flu, 24 hour thank goodness. We all got it in sequence. Son, me , husband, other son. Only our nanny escaped the wrath!

Speaking of surfacing when you least expect it. Did you know that I have counted AT LEAST 88 things that can go wrong in your transaction? I'm sure I have forgotten some. CHECK OUT MY LIST!  I will be coaching buyers when we consult for the pre approval, and help explain that is why choosing a trusted professional like YOU their realtor, and ME for the lender, is a wise choice! We will help alleviate the pitfalls!

MY TEAM CAN CLOSE YOUR BUYER by 3/31 if we have a contract Friday 3/4 by 5 pm. Let us help your next buyer! Conventional and FHA only, Jumbo please call first.

In the Markets:
Read Here to see why rates were slightly higher this week!

Upcoming
 Training Workshop

Snack & Learn:
Tactics to Work Successfully with Title and Lenders in the New World of TRID
Wednesday, March 2nd
1:45  - 2:45 pm

*Snacks Included*

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Lunch & Learn:
Income Taxes for Realtors
Wednesday, March 9th
@ 12:00pm

*Lunch Included*

Events Located at:
2500 City West Blvd
Suite 750, 77042

RSVP to Annette:
713-579-3606
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Monday, February 22, 2016

The Convincer

My kid Diego , 10, is going to be an attorney, or a very successful salesman when he grows up. He has been on a 3 week ban from taking the ipad to school (which 'ruined' his life by the way), and it ends today. The catch is he had to make grades on all homework, etc > 80. He had a spurt of some low grades last month. Really low. So its worked! We have grades back in the 90's. So today, with his long eyelashes, sweet voice, etc he convinced me to let him have the device a day early, since 'its's Friday and all'. So mom caved, and there you have it!

Speaking of convincing, hopefully you have seen myBUILDER PANEL invite for 2/24 Wed. ! Scroll down for more info! Two developers, and 4 builders from ALL price ranges around the city. Talking about how to best sell their product, who their target buyer is, and how new construction will take us into the next decade! Awesome! Be sure to register so you get a box lunch at the end! NOT TO BE MISSED!!!!!!!

In the Markets:
Read Here to see why rates were slightly lower again this week!
While a stronger dollar, and lower oil prices have helped stamp out inflation this year (keeping rates low) ,  the service sector has remained strong and costs have been rising. In particular, shelter and medical costs have increased over the past year. Mortgage rates are highly influenced by the outlook for future inflation. Watch out! If the trend toward higher inflation were to   accelerate, it would be BAD for mortgage rates. 
 
As usual, I will keep you posted.
 

-Jen
ps....Remember to RSVP for Wednesday's Builder Panel!
 
pss. Send us your next deal! Still closing in under 30 days! (Jumbo is 45)

Upcoming
 Training Workshop

Lunch & Learn:
Builder Panel: Trends in New Contstruction and How to Market to Your Buyer!
Wednesday, February 24th
11:30 am - 1:00 pm

*Box Lunch Included after the event*

2500 City West Blvd
Lonestar Room (Downstairs)

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Snack & Learn:
Tactics to Work Successfully with Title and Lenders in the New World of TRID
Wednesday, March 2nd
1:45  - 2:45 pm

*Snacks Included*

2500 City West Blvd
Suite 750, 77042


RSVP to Annette:
713-579-3606
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Tuesday, February 16, 2016

Don't Miss Our Builder Panel!

In the Markets:
Read Here to see why rates were slightly lower this week!

Happy Valentines Day! Wishing you a relaxing weekend filled with love and friendship.

xo The Hernandez Team

ps....be sure not to miss our Builder Panel on 2/24!!!!  Cane Island developers will be there! One of our 6 special builder/developer guests! Scroll down for more info!

Upcoming
 Training Workshop

Lunch & Learn:
Credit Basics: Facts vs Fiction
Wednesday, February 17th
12:00pm

*Lunch Included*

Legacy Mutual Mortgage
2500 City West Blvd, Suite 750

-

Lunch & Learn:
Builder Panel: Trends in New Contstruction and How to Market to Your Buyer!
Wednesday, February 24th
11:30 am - 1:00 pm

*Lunch Included*

2500 City West Blvd
Lonestar Room (Downstairs)


RSVP to Annette:
713-579-3606
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Monday, February 8, 2016

Siri and Parenting

The other day I was talking to Siri to dial so and so...and she shouted back at me in Chinese! What the hey? All day....Mandarin characters were spitting back at me and I thought I was in the twilight zone.  Turns out my kiddo changed my Siri settings without me knowing.  Problem is, I didn't know how to change it back. Rather than punishing him....I took the fall as the negligent parent, letting my kids have the passcode in the first place. I know what you are thinking. YES I CHANGED THE PASSCODE!

GREAT ARTICLE ABOUT OIL & HOUSTON:
This is a great read  about how the oil and gas industry will be the dominant component in providing worldwide energy demands into the future.   READ HERE.
TRID TRIVIA - True or False?
A spouse that is not on the note must sign the CD before the 3 days can start.TRUE

In the Markets:
Read Here to see why rates got even lower this week!

Upcoming
 Training Workshop

Lunch & Learn:
Anatomy of 1-4 Contract(MCE Credit - $25/person)
Wednesday, February 10th
12:00 - 3:00 PM

*Lunch Included*

Legacy Mutual Mortgage
2500 City West Blvd, Suite 750

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Breakfast & Learn:
Summary of Recent Trec Changes
Thursday, February 11th
9:00 - 10:30 AM

*Breakfast Included*

Cafe Express - Uptown Park
1101 Uptown Park Blvd, 77056

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Lunch & Learn:
Credit Basics: Facts vs Fiction
Wednesday, February 17th
12:00pm

*Lunch Included*

Legacy Mutual Mortgage
2500 City West Blvd, Suite 750


RSVP to Annette:
713-579-3606
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Monday, February 1, 2016

Houston Growth and Prosperity

All day I have been contemplating whether to use this as my opener, but I'm gonna go for it.....So my 10 year old, likes to watch the debates with us. Fernando and I were mentioning something in conversation about Bill Clinton, and Diego says , " Is that the guy that said he didn't have relations with that woman? Oh, and what does relations mean?". 

Just great. Where do they hear this stuff?

TRID TRIVIA -

Did you know we have heard of lenders asking title companies to prepare the CD's? Wow..that is just scary.

Did you also know that Legacy is working on a 21 day close guarantee? That is right. We are mastering this TRID thing, and are going to get back to quick closings. Wait for more news on this!
 
In the Markets:
Mortgage rates are healthy and low, thanks to news of global slowdowns overseas, and the FED announcement that rates will stay for now. READ MORE HERE.

Houston Growth & Prosperity
If you missed my panel this week , you missed a good one! We had directors from the East End, Uptown and Energy Corridor here, and 55 of you showed up! Awesome! They talked about how their districts are making strides in transportation and infrastructure to take this city to the next decade! Watch out! Cool things happening in the next 5 years!

Companies will see Houston as THE place to relocate Headquarters. Just you wait! F

or more information visit their websites:
Energy Corridor:
 
Uptown:
 
East End:

Upcoming
 Training Workshop

Lunch & Learn:
TRID: Best Practices
Wednesday, February 3rd
@12:00pm

*Lunch Included*

-

Lunch & Learn:
Anatomy of 1-4 Contract(MCE Credit - $25/person)
Wednesday, February 10th
12:00 - 3:00 PM

*Lunch Included*


Events Located at:
2500 City West Blvd
Suite 750, 77042

RSVP to Annette:
713-579-3606
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