4 Simple Questions To Ask Your Lender

There are a few key factors for a great home buying experience. One of them is to make sure you have an experienced, professional loan officer. Do you think it is important to have someone who is highly reputable, responsible and knowledgeable guiding you through one of the largest financial transactions in your life?

Here are 4 simple questions to ask your lender when you are shopping around.

1 - What are mortgage interest rates based on?

2 - What is the next Economic Report or event that could cause mortgage interest rates to change?

3 - When Bernanke and the Fed “change rates”, what does this mean?… and what impact does this have on mortgage interest rates?

4 - Do you have access to live, real-time mortgage bond quotes?

Be Smart! Ask Questions! Get answers! Your lender MUST be able to answer all of these questions correctly. If not, run - don’t walk - to a lender that does!

Email me for a cheat-sheet to grill your potential lenders!

Posted by Rama Polefka


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source: allcary.com

Rockport's Rockin' Texas New Construction

A New England fishing village on the Texas Coast, this charming town has plenty to offer any family looking for a good time: quaint little shops, rows of fishing and sailboats, leaning windswept oak trees, fresh seafood, the famous "Big Tree" and whooping cranes.

Windswept oak trees, permanently bent by prevailing winds off the water, bow their welcome and are a picturesque sight. The towns of Rockport and Fulton offer a special charm, the kind of charm that has led many prominent artists to make this area their home. In fact, it´s been said that Rockport-Fulton has the largest per capita percentage of artists of any community in the country. As a result, the area boasts one of the best collections of art galleries anywhere.

The same seascape that attracts artists also attracts the most famous winter visitors, the great Whooping Cranes. The majestic birds mesmerize and capture the hearts of all who travel from around the world to see them. Standing over five feet tall, the stately white Whooping Crane is an endangered species and the nearby Aransas National Wildlife Refuge is their winter home. Theirs is a story of survival—the wild flock numbered only 18 in 1938, but with successful conservation efforts, they now number around 200.

The small town atmosphere as well as the artistic community, bird watching, fishing and other water activities make this area a special location for those looking to spend a peaceful vacation or the perfect place to settle down. Many new developments are under construction at the moment looking to fulfill the demand for a piece of this enchanting Texas Coast. Many new retirees are looking to take advantage of this affordable waterfront land.

Below is a list of New Constructions in the area, you can learn more about them by clicking on each picture or by visiting our New Construction page.

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source: alicedonahue.com

Rockport Texas Named As a Top Town

Rockport was selected as a top town for a book called "America's 100 Best Places to Retire," which features cities in 34 states. Each community is designated as one of 10 best towns in each of 10 categories: art towns, budget towns, lake towns, beach towns, college towns, mountain towns, small towns, undiscovered towns, four-season towns and main street towns.

Rockport ranked among the budget towns category along with Danville, Ky., Dothan, Ala., Eufaula, Ala., Hattiesburg, Miss., Natchez, Miss. Other Texas towns ranked along with Rockport included Kerrville, San Antonio and the Rio Grande Valley.

"America's 100 Best Places to Retire" covers topics from population figures and climate information to tax rates, housing costs and health-care options. Beyond facts and figures, the community profiles uncover the character of each locale.

Writers conducted candid interviews with relocated retirees from each community and asked them to shed light on retirement living in their new hometowns.

Rockport Texas, nationally renown as a top retirement community, is nestled inside Aransas bay only a few hours away from the Corpus Christi metro area. Bordered by Fulton to the North, rockport is located in a sheltered bay area famous for fine saltwater fishing and hunting.

As of 2005, Rockport's population is 8,694 people. Since 2000, it has had a population growth of 23.62 percent. The median home cost in Rockport is $134,000. Home appreciation the last year has been up 6.28 percent. Compared to the rest of the country, Rockport's cost of living is 20.00 % lower than the U.S. average.

The towns of Rockport and Fulton offer a special charm, the kind of charm that has led many prominent artists to make this area their home. In fact, it´s been said that Rockport-Fulton has the largest per capita percentage of artists of any community in the country. As a result, the area boasts one of the best collections of art galleries anywhere.

The town's statistics as well as its special charm and proximity to metro areas such as Corpus Christi, Austin and San Antonio make this community one of the best places to retire in America.

You can purchase America's 100 Best Places to Retire from amazon starting at $12.89 plus shipping.

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source: alicedonahue.com

High-end Resort Community Planned for Aransas County

Austin developer plans high-end resort community in Aransas County, The Reserve at St. Charles Bay

A development firm dually based in Austin and Houston bought 120 acres on St. Charles Bay near Rockport for a new waterfront community.
Hal Jones Development LLC, in a joint venture with McCombs Enterprises, is plotting The Reserve at St. Charles Bay that will eventually include 292 single-family homes, two condo developments, a lodge and a private island in Aransas County on the Texas coast.

"Our mission is to work in harmony with the natural elements of the land" says developer Hal Jones. "The end result is a well thought out development that coexists peacefully within the natural landscape, the wildlife and the community."

The Reserve at St. Charles Bay is one of several new communities being developed in that area along the Texas coast.
"We chose this particular location because of the amenities and conveniences already in place in Rockport" says Jones. "Other communities have yet to establish the infrastructure and conveniences that people demand."

Hal Jones Development focuses primarily on projects on the Texas coast and in the Hill Country region.

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source: alicedonahue.com

Rockport Market Condition Report May 2007

According to our geolocation analysis, Texans in the large metropolises such as San Antonio, Houston and Austin are the largest group of visitors to our site. The rest of the country has yet to discover the “Charm of the Texas Coast.”

Rockport Beach has been certified as a Blue Wave Beach by the Clean Beaches Council in Washington, D.C. — a status that identifies it as one of the nation’s cleanest, safest and most environmentally well-managed beaches. Straddled by Aransas Bay and Little Bay, its shallow, calm waters are a magnet for families with children.

It’s calm and relaxed atmosphere has attracted families looking to escape the hustle and bustle of everyday life in the large cities. Recently, developers have discovered this laid-back town and several new neighborhoods have sprouted in the area in order to attract the retiring baby boomers living in the nearby cities of San Antonio and Austin as well as retirees from the rest of the country. Due to these new developments, the Rockport-Fulton real estate market has seen an increase of new listings in the area.

When comparing Rockport’s number of sales to other Texas Gulf Coast towns you can see that while it is following a seasonal trend, the number of sales in the past 16 months have consistently ranked second only to the larger Galveston area. As the weather gets warmer, sales in coastal towns increase. In the past quarter, sales have been consistently increasing from 40 sales in January to 97 sales in April.

As you can see in the average price graph, Rockport's prices are considerably lower than the other Texas Gulf Coast towns. While prices are still lower than the other coastal towns, this area has seen an increase of average price from the same time last year. The average price has increased from $132,000 to $162,000.

It is a perfect time to look into investing in this up and coming coastal area. Prices are still very affordable, properties in new developments with luxurious amenities are now under construction and in their most affordable stage and the number of baby boomers looking for a place to retire is increasing every year.

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source: alicedonahue.com