Consider This Before Building Your Tulsa Home...

When building a new home, there are so many decisions to make, from the location and builder to which carpet and paint to choose. Keep the following tips in mind when you decide to build a new home.

• Location- Work with your Tulsa Area Realtor when purchasing land and building your home to make sure that the location you desire will fit your budget as well as the style and size you want in your home. Don't find out after purchasing that you can't do what you want or that the market will not handle your specific plans.
• Building- Select your builder carefully! Ask for recommendations from your Realtor, after all they work with builders everyday. Ask builders for referrals and contact them. Ask plenty of questions and don't be afraid to get more than one quote!
• Products- Once you have purchased land, selected a builder, and begun the building process, there will be many products to choose. Ask about your options and shop around in advance to make sure you get what you want at the price you want. When selecting roofing products and styles- keep in mind your budget, style of home, and the weather in your area. Remember that by adding ridge vents or using certain materials you can decrease your energy costs. When selecting flooring products- remember to check wear, stain resistance, and even product type (such as carpet, tile, or hardwood). When considering which extras you might want- Think about preventing pests before you move in. 1. Have a Sentricon HD Termite Elimination system installed up front to ensure that termites will not be a problem. 2. Consider using glass mulch in your flowerbeds. Glass mulch will not attract pests like traditional wood mulch, never washes away, and it looks great. Finally, decide if you want any home automation or home theater systems installed. It is easy to have installation done up front before walls and furnishings are in place.
• Mortgage Options- Check with your Tulsa mortgage banker to find out what mortgage options are available to you. For example, can you qualify for a VA or Rural Home Loan? Also, make sure you know your budget and how much down-payment you have. If you have less than 20% to put down, ask about loans that require less down-payment!

Want more information? Contact these professionals or visit www.tulsahomecare.com:

Home-Building in Tulsa, Oklahoma- Rick Oberlender of US Building Systems at 918-734-1293 or usbs@att.net.

Tulsa Real Estate- Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Tulsa Mortgage Needs- Steve Currington, Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com.

Tulsa, OK. Roofing- Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com.

Flooring Products: Jim Ecrette at ProSource Wholesale Floorcoverings at 918-252-7711 or www.prosourcefloors.com/tulsa. Don't Forget to ask about Darryl Baskin's Pricing Discount!

Tulsa Area Pest Control- Mother Natures Pest and Lawn, 918-362-2000 or www.pestsecret.com.

Glass Mulch in Tulsa- Leigh Murray, Garden Glass of Oklahoma, 918-232-0210 or www.gardenglassofoklahoma.com.

Tulsa Electrical Services- Larry Murray, Murray Electric, 918-835-9605 or www.murrayelectric.com.

Tulsa Plumbing Services- Markwayne Mullin, Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com.

Tulsa Home Automation Installation- Keegan Beck, KMB Enterprises, 918-527-1031 or www.kmbenterprisesllc.com.

Could a Short Sale Help You?

What is a short sale and could it help you?

Basically, a short sale is when the homeowner owes more on their home than it is worth and the lender allows the homeowner to sell the property for less than the mortgage balance. This can allow the homeowner to sell the property and avoid the foreclosure process. This also causes less damage to credit than a foreclosure.

To qualify for a short sale the homeowner must have the following issues:

1. Financial Hardship
2. Insolvency (not enough cash or assets to pay off mortgage balance)
3. Monthly Shortfall

For more information on how you can Stop Your Tulsa Foreclosure today, contact The Baskin Real Estate Specialists at 918-258-2600 or www.stopmytulsaforeclosure.com.

When You Move, Don't Pack These!!

Packing and moving can be a lengthy and stressful process. Knowing what to pack is simple, right? Not always! There are some items that should not be packed when you are using a moving company. Hazardous items are actually illegal for movers to transport. The following items should not be sent in the moving van:

• Pant and paint thinners
• Ammunition and firearms
• Gas, Propane, or Oil
• Flammable or explosive materials
• Aerosols
• Acetone products
• Stereo
• Matches
• Valuable items
• Pets

For a complete list of items Tulsa moving companies can’t move or to move your Tulsa area property, contact Mike, Relocation LLC, at 918-455-6683 or www.relocationllc.net.

For junk removal services in Tulsa, contact David Tittle, I-Haul, 918-261-4008 or www.ihaulusa.com.

For your Tulsa real estate needs, contact The Baskin Real Estate Specialists at McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Mortgage Disclosure Improvement Act...

Lenders have always had to disclose the overall cost of your loan and other information during the lending process. This includes fees and the actual Annual Percentage Rate. Lenders that are not reputable would play games with the rate by adding fees. Many clients would close with a higher rate because the lenders would change the fees at the last minute. This act requires that lenders redo the Truth in Lending disclosure if the APR goes up by .125% or more. It also requires that closing must wait 3-7 days so that the buyers have time to understand any changes that may have happened. This can sometimes cause an issue when purchasing a home because this waiting time can't be waived. It is required and closing will sometimes be delayed. This also can increase costs for the seller and buyer for items such as interest, storage costs due to delayed closing and more.

For your Tulsa mortgage, contact Steve Currington with Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com

For all your Tulsa, Oklahoma area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com