Monday, July 17, 2017

HABITS: What your Actions are saying about YOU!

Jul 16, 2017
Real Estate
Habits are routine behaviors that are so ingrained in us that we repeat them on a regular basis.  They are kind of like our own personal version of the "autopilot" button.  They include such things as our morning routine, gym schedule, and how we begin our workday. Even though most habits are performed without thinking, stop and think about this for a minute: When was the last time you challenged your routines?
Do your habits serve to propel you toward success or a self-inflicted hurdle you consistently have to jump?  Do they make you more productive and efficient or make it harder for you to accomplish your goals? The fact is, practice doesn’t make perfect if you’re doing it wrong.
I know, how does this apply to the Real Estate World?  Well, there are many different application from the list below that you can apply when looking for your next REALTOR, home to purchase or even when you sell your home.  How many episodes of HGTV Flip or Flop are you going to watch before you realize you just really aren't the right person to take on a major home renovation project?  How many times are you going to offer $30,000 below list price before you realize you are in a seller's market and you would be insulted if someone offered you the same $30k lower on your home you have listed.  When are you going to realize that all agents are not created equal and 99.9% of them do not have a show called "Property Brothers".  Not everything we do, in every facet of life, is 100% correct all the time.  So, we have to take a look at our building blocks whether in our life, purchase or sale of our home, or even our business.

breaking habits
Kick Your Bad Habits
The first step in modifying a behavior is recognizing the issue and having a willingness to change. Here are 40 habits that may be holding you back. Do you:
Take people and things for granted?
Allow yourself to get distracted by trivial things?
Fail to keep promises –– to others and to yourself?
Talk a good game, but that’s where it ends?
Allow jealousy, hatred, and revenge to consume you?
Speak before thinking?
Blame others for personal setbacks?
Overthink things to the point of the absurd?
Refuse to do more than is asked?
Check items off a to-do list rather than address priorities?
Keep score in relationships?
Surround yourself with toxic people?
Fail to keep problems in perspective?
Refuse to admit mistakes or say “I’m sorry”?
Offer advice without being asked?
Try to please others at the expense of your own needs?
Confuse being busy with making progress?
See everything as black or white?
Refuse to ask others for help?
Follow the crowd rather than think for yourself?
Refuse to leave your comfort zone?
Let your emotions get the best of you?
Fail to learn from your mistakes?
Put things off?
Demand perfection rather than settling for excellence?
Try to keep up with the Joneses?
Say “yes” when you really want to say “no”?
Refuse to let go of the past?
Lose patience at the drop of a hat?
Avoid difficult situations at all costs?
Wait till problems get out of hand before addressing them?
Refuse to delegate and let go?
Take on everyone’s problems as your own?
Beat yourself up for mistakes?
Fail to balance work and play?
Overcommit yourself to the point of exhaustion?
Look down on others?
See the glass as half-empty?
Quit at the first sign of a problem?
Start everything; finish nothing?

lifestyle habit

Make It a Good Habit
The benefit of a habit is that it enables you to operate on autopilot –– allowing you to focus on things that matter. The disadvantage is that your routines are so “out of sight, out of mind” that you might not notice whether a particular habit is helpful or damaging.
If you’re a creature of habit, hit the pause button and think about your habits. We’re so busy, keeping busy, that we forget the error of our ways. Frank Outlaw, late president of BI-LO Stores, said it well,
“Watch your thoughts, they become words; watch your words, they become actions; watch your actions, they become habits; watch your habits, they become character; watch your character, for it becomes your destiny.”
Tomorrow, when you put on your shoes, make sure you have them on the right feet, and more importantly, make sure you’re moving in the right direction.
What Do Your Habits Say About You?

Thursday, June 15, 2017

The Jessica Hargis Group Promotes Eagle Scout Project Blood Drive & Kidney Donation - Be A Hero

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The Jessica Hargis Group is proud to promote the Eagle Scout Project's Blood Drive & Kidney Donation Info. Be a hero and join us on Saturday, July 1st from 8a.m. until 12p.m. at the Lowe's Home Improvement Parking Lot at 851 N. Steger Towne Road in Rockwall, TX 75032.
For more information contact David Schmittinger at 214.668.7675

About The Eagle Scout Project:

The Eagle Scout Service Project, or more simply the Eagle Project, is the opportunity for a Boy Scout, Varsity Scout, or qualified Venturer in the Boy Scouts of America (BSA) to demonstrate leadership of others while performing a project for the benefit of his community. This is the culmination of the Scout's leadership training, and it requires a significant effort on his part.[1] The project must benefit an organization other than the BSA, but it cannot be performed for an individual or a business or be commercial in nature. It is a requirement in order for Boy Scouts to attain the Eagle Scout Rank.

About Carter Blood Care:

The history of Carter BloodCare goes back to 1951 when J.K. and Susie L. Wadley chartered the Wadley Research Institute and Blood Bank. They changed the name of the nonprofit organization in 1993 to BloodCare of Dallas. Fort Worth was being served by Carter Blood Center, founded in 1957 with grant support from the Amon G. Carter Foundation.

Carter BloodCare is known for a commitment to quality, our strength in industry expertise, and passion for saving lives. They are also proud to serve in leadership positions that enhance the industry’s significance in the greater health care community. They work to educate donors and blood-drive coordinators about how their relationships may serve a larger purpose to directly improves the lives of people throughout Texas.

About The National Kidney Foundation:

The National Kidney Foundation is the leading organization in the U.S. dedicated to the awareness, prevention and treatment of kidney disease for hundreds of thousands of healthcare professionals, millions of patients and their families, and tens of millions of Americans at risk.
The Better Business Bureau Wise Giving Alliance Charity Seal provides the giving public with an easily recognizable symbol which certifies that the National Kidney Foundation meets the comprehensive standards of America's most experienced charity evaluator.

Thursday, April 6, 2017

Interest Rates on the Rise? NOW is the time to Buy!

In the Real Estate world in North Texas, we have enjoyed not only large homes for the money spent, but have had the luxury of buying power through the advantage of low interest rates.   Based on information from Wells Fargo Mortgage, below is a snapshot of the current rates:
ProductInterest RateAPR
Conforming and Government Loans
30-Year Fixed Rate4.125%4.186%
30-Year Fixed-Rate FHA4.375%5.389%
30-Year Fixed-Rate VA3.875%4.171%
But, could interest rates be on the way up?  Consensus believes so and they may be on the rise sooner than you think.  According to this article from CNBC, the outlook for interest rates rising is eminent.  You can read that article here
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So, what does all this mean for you, Joe & Jane Homebuyer?  Let’s take a look.
Let’s assume you are purchasing a $200,000 home with a 30 year fixed rate of 4.125%.  Your monthly principle and interest payment would amount to the following:
Mortgage amount                               Interest rate (%)                      Mortgage period (years)
$200,000                                                   4.125%                                           30
Total cost of mortgage
$348,948
Monthly payments
$969
Now, lets look at what a 0.5% jump in interest would do to that same scenario:
Mortgage amount                               Interest rate (%)                      Mortgage period (years)
$200,000                                                  4.625%                                            30
Total cost of mortgage
$370,180
Monthly payments
$1,028
22The difference is about $59 per month or $708 per year.  Over the life of the loan, that translates to a whopping $21,240 in extra interest just by raising a half percent.
Playing the waiting game for purchasing a home is kind of like shooting dice in Vegas.  Remember, they don’t call it Lost Wages for nothing.  With this information and the current outlook of what is on the horizon, you can surely see that
NOW IS THE TIME TO BUY!
The converse of this statement is also true.  If you are thinking of selling, there is not a better time to do that!  Sellers are getting a premium amount for their home and while doing that, they have the luxury of the low interest rates that give people buying power.  That same buying power is extended to sellers as well. 
Being in a seller’s market isn’t always a bad thing.  Sure, a buyer may pay a little more for a home, but over time, with interest rates low, you will have a better investment and one that will hold its value or appreciate over time. 
If you are thinking of buying or selling, please call/text me at 972-896-8046 or email me at tommy@jessicahargis.com I would love to help you navigate the waters of real estate and get you the best price possible.

Saturday, February 18, 2017

13 Open Houses Starting Today!

OK!!! OPEN HOUSE MANIA this weekend!  13 open houses!  Several multiple days and times!  We take open houses seriously!  Come out and see some of our inventory.  We will raffle an Artic Cooler just in time for spring!  All registered guests will be entered!  Great weekend to shop for a home!! If you have a home that you would like us to hold open, contact The Jessica Hargis Group to schedule a listing presentation.  Selling or buying: We would love to work for you! 469-351-9516



Wednesday, February 1, 2017

Understanding Closing Costs

Ah yes!  Closing Costs…everyone has them but not everyone understands the way at which that final number is calculated.  Well, it is my hope to help you understand what all constitutes that final number figured in your closing costs.  Keep in mind, your lender should provide you with a document that is called a “Loan Estimate”.  This Estimate will include all the charges, all the prepaid costs that you have to provide amounts for, your total down payment and should show you a final monthly installment amount.  So, let’s dig in and answer a couple of questions that will determine the amount you need to bring to the table.
Question #1:  Will you escrow your taxes?
Escrowing your property taxes means that you pay a monthly portion of your property tax and your mortgage company will pay them for you when they come due.  For those people, like myself, that are not disciplined enough or just don’t want to think about it each month, this is a great option. 
If you answer “yes”, then this will figure into your closing costs.  When you close, you will pay the prorated amount of property tax from the day you close until the end of the year plus you will be responsible to put into escrow 2-3 months of advance payment to make sure your tax amount will cover your taxes due.
If you answer “no”, then you will need to prepare to make those payments to a savings account and be ready to pay when they are due.  Your monthly payment will be smaller due to the not having to pay in for your monthly taxes.
Question #2:  Hazard/Homeowners Insurance
Homeowners insurance is a personal preference.  There are many options out there from State Farm, Farmer’s, Allstate to local brokers that shop for your best rate.  Keep in mind, cheaper isn’t always less expensive but also get the most coverage you can get for the budget you have.  With that in mind, your homeowner’s policy is an amount that will affect your closing costs.  How?
  • If you escrow…You will be responsible for one year’s prepayment plus 2-3 months in escrow. So, if your total policy is $1200/year, you will need $1500 for insurance at closing.  That is $1200 for year 1 plus $100/mth for 3 months equaling $1500.
  • If you don’t escrow…You need the proof of one year’s prepayment.
Your total closing costs are the sum of all of your title company fees, lender fees, property taxes, insurance and administration fees.  Now this leads to the next statement…especially heard from First Time Homebuyers…
I have to pay HOW MUCH?  I just put down Thousands of dollars and now have to pay more?  Don’t worry, there are options for you.
  1. If possible, reduce your down payment and keep some of your down payment to cover the closing costs. This one is simple if you are going with a conventional loan.
  1. Ask your lender if you have any lender credits that they can help you with for your closing costs. This can usually be done by taking a little higher interest rate and rolling your closing costs into your loan.  Keep in mind, you are financing your closing costs over 30 years.  In reality, people stay in the home they purchase between 3-5 years. 
  2. Gift funds. Maybe your parents or grandparents can help you with a gift that you can use toward your purchase.  This will just have to be documented and your lender can instruct you on the process for receiving gift funds.
  3. Bonds/First Time Buyer Programs. These are great!  Any good lender can take your situation and they should be able to know what programs are available to you.  There are many different type of programs depending upon your personal situation.  ASK YOUR LENDER!
Hopefully this little blog will help you along your way in purchasing your home.  If you need any recommendations for a great lender, I have lenders that I can recommend and have worked with over the years.  Homeownership is one of the best ways to acquire wealth for the long term in a person’s life.  Should you need any help, please feel free to call/text me at 972-896-8046 or email at tommy@jessicahargis.com
You can also search for your next dream home on my website at http://tommy.jessicahargis.com
Want to see reviews from my past clients?  Feel free to go to the following sites to see what they have to say…
I look forward to working with you!

Monday, January 30, 2017

I am honored that the Har

I am honored that the Harris family came back to me to sell their home and build their new one! They took REALTOR FOR LIFE truly to heart! This was my 5TH transaction with this adorable couple! I think this is THE ONE and they will stay here for awhile! Congratulations on your brand new home in Devonshire! I can't thank you enough for trusting me and making me your REALTOR FOR LIFE!

I couldn't be more honore

I couldn't be more honored to say they chose me as their REALTOR! Congratulations on the sale of your home! I'm even happier our team brought the buyer! Thank you for truly trusting me! I can't wait to close your DREAM HOME in Lakeside of Heath in a few weeks!