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Veterans Loans Give Texans a Break

If you are a veteran of the United States Armed Services living in Texas, you may already know that it can be difficult to purchase a home. The VA (Veteran Affairs) loan program in Texas is making it easier and more beneficial for home ownership to become a reality for veterans. What is a VA…

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Tankless Water Heaters

When it comes to household appliances, tankless water heaters are getting more and more popular but maybe you don’t know what the hype is all about. What’s the difference from the good old water heater you’ve got now? Is it really that much better? Here is an explanation of tankless water heaters and the reasons…

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Planning Your New Home

Building a home is a big step. It is likely the most expensive purchase you will make, so it’s important to consider all aspects of the process to make sure it fulfills your dreams. Here are some points to remember when planning to build your home. Location Perhaps the most important part of your decision…

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Stabilized Cellulose Insulation

When you build or purchase a home, one of the most important considerations is the cost of utilities. With electric and natural gas prices on the rise, the smart homeowner should think about the type of insulation used in their home. Installing more effective insulation will provide the most energy savings by reducing the use…

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The Power-Save 1200

Do you want to save money on your electric bill, and help the environment at the same time? Now there’s a simple way to optimize the power of electricity while keeping money in your pocket. The Power-Save 1200 is a revolutionary system that lowers your electricity usage and electric bills, increases motor and appliance life,…

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Making the Most of Your Ceiling Fans

You might think ceiling fans are just for summertime use, but they are an inexpensive way to make your home more comfortable all year long. Operating ceiling fans allows you to cool off or warm up your home, while cutting down the cost of using air conditioning or heating units. Here’s how you can set…

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Applying for a Mortgage the Right Way

The thought of applying for a mortgage can be overwhelming. There are so many documents required, and you really must be organized and prepared to tackle it. However, just remember that many buyers have been through the same process successfully, so focus on the reward of property ownership at the end. It may reduce your…

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More Financial News!

Shutdown! Not much of a surprise but the 10 yr and MBS prices weaker to start. Not too bad early, the 10 down just 7/32 (22 bp) to 2.64% +3 bps at 9:00; 30 yr MBS price -15 bps. The government shutdown was widely expected with Republicans pushing on a string trying to defund or…

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What Cause Mortgage Rates to Fluctuate

Ever wonder what causes mortgage rates to go up and down? Well, we wish there was a simple answer, however, there are many factors that contribute to these fluctuation we see. We’ll do our best to try and simplify this complex subject. Generally speaking, mortgages rates will drop when there is economic uncertainty and rise…

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The Phases of Building a House

Being involved with your home builder during the process of building your house can be one of the most exciting experiences you can have. It is beneficial for you to be educated about what to expect so you can be prepared for each phase of construction. Here is a synopsis of the major phases of…

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Custom Home Features to Consider

If you are having a custom home built, you can ask your builder to incorporate many things that perhaps you wouldn’t find in an existing home or one built by a tract builder. It may be amenities like having outlets placed on your home’s exterior for easy holiday decorating, or speaker wiring placed through the…

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