Words of Wisdom About Getting Home Loans

Applying for A Real Estate Loan is Hard Work!

Read what a professional lender and great guy has to say about the process of getting a home loan in today's lending environment.

"It may seem in today’s world that applying for a mortgage loan requires giving up your first born; however, there are some steps that a prospective homebuyer can take that can help in the application process.

Credit scores and credit history is relied upon very heavily by lenders when analyzing a credit application.  The higher the credit score is, the benefits for the borrower are greatly increased including better interest rates and lesser restrictive qualifying guidelines. 

One teps that a borrower can take prior to applying for a loan is to avoid applying for additional credit such as credit cards.  Each time additional credit is applied for, even if the credit is not accepted or wanted by the borrower, an inquiry will be reflected on the credit report.  A lender looks at these inquiries as potential additional debt and could require additional explanations by borrower.   In addition, do not apply for a mortgage loan with several lenders. 

Do your homework first, getting cost estimates from different lenders to compare rates and cost.  Choosing a lender based on the lowest rates is not always the best choice.  Rely on your realtor to give feedback on viable lender options.  Remember, choosing a lender that is reliable, ethical and knowledgeable goes a long way in making the application process smoother and less stressful.

The amount of debt that a borrower has is an important factor in qualifying.   Exceeding certain debt to income guidelines could prevent a borrower from being able to qualify for the home of their dreams.  Avoid taking on additional debt if possible.

Be ready to provide the lender, prior to application, the following items.  This will help expedite the preapproval process and not to mention, make life a little easier by having this information organized and ready to provide.

• Paystubs for the most recent 30 day period
• w-2’s for the most recent two year period
• tax returns, personal and corporate (if applicable) for the most recent 2 year period
• bank statements, investment account statements for the most recent 60 day period
• retirement statements for the most recent period
• Copy of drivers license

By providing this information upon application, a lender will be able to give a borrower valuable feedback immediately on whether they qualify and/or what amount of loan that could be qualified for."

Billy Leavitt

Mortgage Loan Consultant
NMLS# 231178
First United Bank
972.523.9815
bleavitt@firstunitedbank.com



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www.sonnymoyers.com

International Buisness - Access Business Centers

Dallas Attracts International Conference Center/Executive Suite Enterprise

Affiliate of Mexico Based Grupo Lomelin Kicks Off US Expansion

March 12, 2012, Dallas, TX – Access Business Centers, an international firm in the Executive Suite & Conference Center Industry announces that it has opened a facility at Spectrum Center in Dallas (Addison 75001).

Founded by Grupo Lomelin, Access incorporates new approaches to the industry and includes a custom 4,000 sq ft Collaboration & Conference Center featuring high-tech media:scape, a collaborative, upscale furniture solution with technology integration offered by Steelcase, the global leader in office furniture.

Polycom, the Global Leader in Telepresence, Video and Voice Conferencing Solutions, provides the Video-Conferencing Equipment. SMtelcom installed and will maintain the systems and networks. Interprise Design and Miller Office Interiors collaborated in the design of the facility.

The center was constructed by MAPP Construction, a commercial contractor specializing in high-end corporate projects throughout the Southern United States. Grupo Lomelin’s Hector Soto provided technical consulting for the facility. The location utilizes a Cisco System backbone network, and a ShoreTel VoIP telephone system to provide services.

Few shared office operators can provide the array of exclusive services and capabilities that Access provides. Typical Executive Suites allow for a professionally structured private office environment with some support services.

Because of the enhanced services available, offices at Access are different in that they free up much-needed cash flow for large or start-up companies’ more necessary expenses and business activities. They are truly, “smarter working spaces!” A unique design incorporates a four-work-modes concept. This allows for a highly productive atmosphere.



Access provides modern office rental space, studios and executive services as an international landing pad and point-of-entry for companies wanting to open businesses in the United States.




The company provides:



· Private Offices – Team Rooms - & Part-time Flexible Office Programs
· Executive Reception Service & Front Office Management Support
· Video Conferencing, Collaboration, and Conference Facilities
· Professional Support Services & Back-Office Management Support
· Sales & Marketing Assistance Programs – Direct Marketing & Telemarketing
· Meeting & Event Planning Services On & Off-Site
· Telephone Answering & Virtual Assistant Services
· Modern & Attractive Work Lounges for Mobile & Knowledge Workers
· Multi-media Presentation Capabilities – Many Offices
· Consultative Support on Business Formation & U.S. Expansion Plans

Larger companies can provide sales and support organizations with part-time office space for a minimal expense and at the same time build a cohesive team through the utilization of team rooms and collaboration facilities. Large corporations seeking to reduce their real estate footprint can do so without having to build company owned and operated facilities.

Francisco Lomelin, President & CEO of Access, comments: “We are excited about this venture. Companies are looking to cut real estate costs by utilizing unique facilities like ours to streamline office operations without sacrificing quality and functionality.

Our team of office professionals provides services found in Executive Suite environments as well as complete services for start-up businesses seeking to expand. Client success is our primary goal.”

Ebby Halliday Realtors (EHR) represents Access in the lease negotiations. Sonny Moyers of EHR and The O’Dea-Moyers Group is the Exclusive Tenant Representative (REALTOR) for Access Business Centers and a Human Behavioral Consultant and strategic planner. Access will operate one of the most innovative and strategically located enhanced service facilities in the country.

Moyers is a recognized real estate expert and Industry Consultant in the Executive Suite & Conference Center Industry. http://theodeamoyersgroup.blogspot.com/

####

With over 40 years of real estate experience, The O’Dea Moyers Group brings together every resource to assist you in the selection of office space for your business. OMG specializes in Commercial Tenant Representation and Consulting Services.






With extensive real estate experience in almost every major market in the United States, Sonny Moyers has also provided general and real estate consulting services and/or lease negotiations internationally, including Canada, the United Kingdom, Germany, Austria, Japan, Italy, South America, and Mexico.

Contact:
Public Relations
Sonny Moyers
The O’Dea Moyers Group
Ebby Halliday Real Estate, Inc.
972-464-4110

















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Southwest Custom Home Along The Fazio Golf Course in Stonebriar Country Club Estates

Golf Course Frontage & Beautiful Views From This Remarkable Southwest Custom Home!

This stunning Ventura custom home on an enviable golf course lot was designed for remarkable living as well as entertaining. Unparalleled attention to detail went into the planning and building of this Southwest Inspired Home on a fabulous nearly half acre home site with over 200 feet of frontage on an awesome golf course. This spectacular custom home is located in Stonebriar Country Club Estates, a prestigious and exclusive limited access neighborhood with massive iron gates at the entry and exit. The lot that this home sits on is by far the best lot in the neighborhood. The current homeowners had first pick of all the lots in the neighborhood as they were the first residents in this exclusive neighborhood. With nearly half an acre, there is still plenty of room for a pool if that is something you would like to have.

When you approach the home you will be captivated by the grand stucco façade, as well as the superior Southwest style architecture and beautiful tile roof. The design is reminiscent of a sun soaked Santa Fe home. You will notice the lovely landscaping, accent lighting and arched entries onto the inviting covered patio with recessed art nooks, art lighting and an overall relaxing atmosphere.

The remarkable “Chef’s Delight” kitchen includes a large concrete topped island with a fantastic security feature and a prep sink. The security feature allows you to view the front security camera with the touch of a button. This also allows you to play music throughout your entire home, as there are built-in ceiling speakers in nearly every room. Notice the lovely concrete floors, incredible dome mosaic, stainless steel appliances, undermount sinks, and beautiful archways into the breakfast room. Extras include a built-in TV niche, professional six burner Dacor gas cooktop, Sub-Zero refrigerator and wonderful outdoor views.

The balcony located off of the upstairs bedroom has a remarkable view of the golf course and is still extremely private. You can also overlook your private backyard paradise from the balcony as well from nearly every room in the home. One of the perks of having a home like this, located on a perfect golf course lot is knowing that you’ll be able to enjoy 4th of July fireworks from the comfort of your own home! You can also see fireworks from the balcony of this home during Frisco Roughriders games at the Dr. Pepper ballpark! With so many windows in this home, you will be able to enjoy a wonderful intimacy with nature not present in other homes in the area.

To enjoy a private tour of this remarkable custom home along the Fazio Golf Course in Stonebriar Country Club Estates, please call Sonny Moyers: 469-261-5715.

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