First time buying a home?

First time buying a home?  I get it.  The amount of unanswered questions you have- They are keeping you awake at night, aren't they?  It can be overwhelming and that's just the unknown.  What is known is that you are going to be in the biggest financial decision of your life and you need back up.

So, I 've included two links to help you in your journey:

http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/203k


http://portal.hud.gov/hudportal/HUD?src=/topics/common_questions


What are you waiting for?! Contact me for future representation. 419-261-0237

Veterans/Military Money Skills

Perhaps you may find help in this content or know someone who may then to share it:
Just copy and paste this link: http://restatetoday.blogspot.com/2016/02/veterans-military-discount.html

One of the hardest thing you used to deal with once coming home from Military duty was not to spend the money you just earned.  There are programs out there now that help military personnel manage there money.

From Kiplinger's magazine: for your Saving or TSP Account you can invest up to $18,000  in your contribution or contribute 53k.

In the Roth Retirement Plan your contributions are all tax free with no restriction on income.

More Tax Free products that investments come in tax free and leave tax freee can be found at
http://www.kiplinger.com/article/taxes/T054-C000-S002-tax-breaks-for-military-families.html.

Or more appropriately:
http://www.irs.gov/publications/p3/index.html

IF YOU ALREADY OWN A HOME or your thinking of buying one?
No  Private Mortgage Insurance and NO down payment for military personnel...
BE AWARE however if there is a slight drop in value of the home then you could become upside down in your mortgage if you don not have enough equity.

Lastly take advantage of the Tax Free Housng Allowance where monthly subsidies cover all or part of  your rent/mortgage.

Most of these programs may depend on you rank and file.  Perhaps you have a question where I could assist in conveyance of a mortgage officer specializing in VA mortgages.  Email me at Robleyalbright@gmail.com  or Text me at 419-261-0237.

God Bless and Hope this is received well.

Veterans/ Military Money Skills

Perhaps you may find help in this content or know someone who may then to share it:
Just copy and paste this link: http://restatetoday.blogspot.com/2016/02/veterans-military-discount.html

One of the hardest thing you used to deal with once coming home from Military duty was not to spend the money you just earned.  There are programs out there now that help military personnel manage there money.

From Kiplinger's magazine: for your Saving or TSP Account you can invest up to $18,000  in your contribution or contribute 53k.

In the Roth Retirement Plan your contributions are all tax free with no restriction on income.

More Tax Free products that investments come in tax free and leave tax freee can be found at
http://www.kiplinger.com/article/taxes/T054-C000-S002-tax-breaks-for-military-families.html.

Or more appropriately:
http://www.irs.gov/publications/p3/index.html

IF YOU ALREADY OWN A HOME or your thinking of buying one?
No  Private Mortgage Insurance and NO down payment for military personnel...
BE AWARE however if there is a slight drop in value of the home then you could become upside down in your mortgage if you jdon not have enough equity.

Lastley take advantage of the Tax Free Housng Allowance where monthly susidies cover all or part of  your rent/mortgage.

Most of these programs may depend on you rank and file. Perhaps you have a question where I could assist in conveyance of a mortgage officer specializing in VA mortgages.  Please email me at Robleyalbright@gmail.com  or Text me at 419-261-0237.

God Bless and Hope this is received well.

3 Enhancements to sell Your Home

Every time I hear the term curb appeal its like nails on a chalkboard.  Who knows what I'm talking about?  Not only does the combination of words suck ( I've never seen an appealing curb) but it also implies work if you don't have it.   Don't worry I've included in this blog 3 easy things you can do to enhance your home.

 

#1  Go to the local market and get some hanging baskets. Hang them in font of a large box or bay window during colder days and bring them outside and hang from soffits during showings or just when it's warm.  see this listing for  http://disallerealestate.com/property/detail/5089895

 

#2  Replace any rotten wood or rusty railings. Trust me the money will be well spent here by taking anything away that has lost it's integrity.

#3  Shoot the shot sideways with a slight overcast. This last one is important and can be used by anyone with a smart phone. Taking good pictures is important we all know.  However with advances in new technology  phones are just as good as your 35mm. Well at least the software application that are on the websites make it easier to download. http://clickrobley.realtor/ or go to https://www.youtube.com/user/robleyalbright and view my landing page!  That photo of the Craig St. Bridge in Toledo was taken from my smartphone, inside my truck, on a rainy day!

3 Enhancements To Sell YOur HOUSE

Every time I hear the term curb appeal its like nails on a chalkboard.  Who knows what I'm talking about?  Not only does the combination of words suck ( I've never seen an appealing curb) but it also implies work if you don't have it.   Don't worry I've included in this blog 3 easy things you can do to enhance your home.

#1  Go to the local market and get some hanging baskets. Hang them in font of a large box or bay window during colder days and bring them outside and hang from soffits during showings or just when it's warm.  see this listing for  http://disallerealestate.com/property/detail/5089895

#2  Replace any rotten wood or rusty railings. Trust me the money will be well spent here by taking anything away that has lost it's integrity.

#3  Shoot the shot sideways with a slight overcast. This last one is important and can be used by anyone with a smart phone. Taking good pictures is important we all know.  However with advances in new technology  phones are just as good as your 35mm. Well at least the software application that are on the websites make it easier to download. http://clickrobley.realtor/ or go to https://www.youtube.com/user/robleyalbright and view my landing page!  That photo of the Craig St. Bridge in Toledo was taken from my smartphone, inside my truck, on a rainy day!

Fixed ARM

Banks are set to raise interest rates at least three more times this year. Are you in a home that has adjustable rate mortgage now? Think about getting to 30/year fixed. If you do not know your position in your mortgage text me the address and I will do research for you. 419-261-0237. It's a great way to insulate yourself from rising rates and posiibly save you 200 OR 300 a month.  www.Clickrobley.realtor will work to put you in a position to refinance then check with your institution if you don't know. 

https://www.youtube.com/user/robleyalbright

?!An Internet Venue!?

  David's Like: "Sure there will be one day my son or daughter look at me and say, 'Dad all you have to do is blink your eyes in a successive pattern and the page or video chat will change'. HUuh!?, more like DUH!- with everyday youth."
   Right.!?.We are around the corner from that technology. Riiight?! 
   (I don't know if text does justice to my literary sense of humor.)
   This seasoned veteran will never change. While in the same room, he states, "I have been in the same room with amazement of a child who has blown me away with not only their technology but their overall senses or their abilities. He goes on, "most of the time we are subject to loose the senses we have as children and acquire different or Adult senses. 
   I quickly chime in, "Oh like when I used to hate mushrooms now I think there good- type of thing?!
   He laughs." Yes, that's along the same mind path. "
What's a mind path?! Read  http://restatetoday.blogspot.com/2015/09/the-need-for-ever-present-development.html to get an idea.  We often times take all of this for granted. 
  David is has a Doctorate out of one of America's Top Colleges-Forbes.  And on top of that he is a young professional working with America's best talent.  I'm talking the most important people in America are the ones coming home between 3-6..;our YOUTH.  
  A lot of times you have platforms such as Facebook and people do not understand the way the technology works some have come up to me and thought that LinkedIn it's something that I am "on all the time" b/c everybody gets the messages. 
  Some platforms make their own rules to what time in the the severity at which they send out posts.
It's the Correspondence to whom for which the person posting holds the key.  Me being a corresponding secretary for an awesome pair of family individuals I understand not only with humans but with Internet platforms the corresponding isn't always successive/succesful.  
I apologize for my excessive use of exclamation points and question marks but I am constantly amazed and questioning technology