James Jay Barnes - Podcast Details

Shows

Real Estate Power Moves w/James JEpisode 30: The Real Truth About Credit RepairWhether you want to buy a home or not, you still need to make sure your credit score is well taken care of. To help, let’s explore the real truth about credit repair and what some of the most common misconceptions are. In this episode, you’ll learn the real deal behind credit repair with David Rodriguez from the Phenix group, known as the credit expert for the mortgage industry with11 years in the service. He worked with real estate agents and loan officers across Texas and specializes in improving your credit score while providing credit rest...2022-02-2336 min

Real Estate Power Moves w/James JEpisode 29: 5 Proven Effective Ways To Negotiate In A Crazy Hot Seller's MarketFYI - A seller’s market is when there are more homebuyers in a particular area looking to purchase a home than actual houses listed for sale. It usually results in rising home prices and stiffer competition among homebuyers. Buying a home and running into a multiple offer is not the most ideal situation and can be difficult and frustrating at times from the buyer's perspective especially if you are buying in a challenging and competitive seller’s market. Today, we are joined by Christy Kroboth with Keller Williams Realty. She’s a huge animal lover...2022-02-1636 min

Real Estate Power Moves w/James JEpisode 28: How Do Student Loans Impact Your Homeownership Goals?Today’s episode, James shares how student loan debt impacts your homebuying plans if you’ve just graduated or have been out of school, how you can qualify and achieve a homeownership even if you still have student loans. In addition, he also shares the most recent statistics from the National Association of Realtors (NAR) report and data showing many current homeowners that have student loan debt themselves plus discover your best options and find out how close you are to achieving your homeownership goal! Looking for the best strategy to repay your loans, talk to u...2022-02-0908 min

Real Estate Power Moves w/James JEpisode 27 - Inflation and Foreclosures in 2022 Buyers Must WatchWhat does 2022 hold for the housing market in Texas? Are there projections for foreclosures in 2022? What is the hedge against inflation? It's unbelievable how much home values have risen in the last 24 months, especially in Texas. In this episode, James shared what he learned from “Keeping Current Matters” or KCM webinar where it greatly affects the home buying process, selling or refinancing homes in 2022. There is a need to take advantage of today's low rates before they begin to rise. Whether you're thinking about moving up, downsizing, or refinancing, it’s still the best time to own a home...2022-02-0306 min

Real Estate Power Moves w/James JEpisode 26: 4 Ways To Hit Your Homebuying Goals In 2022Thinking of buying a home this year? Be informed! (Download and Listen) and discover ways how you can hit your home buying goals in 2022! Putting all your home buying goals into a plan can make the process easier to figure out! Lay everything out and take every advantage and disadvantage into consideration. What can work to your advantage is having the right people helping you every step of the way.. It’s so easy! No need to make it complicated. Just remember, don’t put in time and money on something you aren’t well v...2022-01-2607 min

Real Estate Power Moves w/James JEpisode 25: 2022 Home Prices ProjectionWhat’s going to happen with home prices this year? Why haven't we seen a deeper deceleration as a lot of experts predicted? What are the three reasons why the number of active listings didn’t increase as expected? What are some factors affecting a homebuyers’ decision in purchasing a property? After almost two years of double-digit increases, many experts thought home price appreciation would decelerate or happen at a slower pace in the last quarter of 2021. However, the latest Home Price Insights Report from CoreLogic indicates while prices may have plateaued, appreciation has definitely not slowed. Apprec...2022-01-1911 min

Real Estate Power Moves w/James JEpisode 24: How Do You File For a Homestead Exemption in TexasAre you planning to purchase a new home starting January 1, 2022? Or if you just bought a home in 2021 or currently own a home but have not filed for a homestead exemption? Download and listen🎧 New homeowners who qualify for the exemption will be immediately eligible for this property tax break instead of having to wait until January next year after purchase. This will provide homeowners with a way to lower their property's taxable value and save on their property taxes. So if you’re one of the estimated 250,000 Texans about to purchase a new p...2022-01-0506 min

Real Estate Power Moves w/James JEpisode 23: 2022 Bold Forecast with Realtor, Tony Orozco2021 is almost over and it has been the most outstanding year for the real estate market with home prices going up and with record-low interest rates. Since the unprecedented year COVID, markets have been unpredictable. Many buyers took a more serious approach to homeownership than ever before despite the economic uncertainty caused by the pandemic. The crisis over the housing market is skyrocketing and there was overbidding of homes. Now, with the new variant of COVID, how will it affect the housing market in 2022? Listen to the bold predictions from a very successful realtor, Tony Orozco from...2021-12-2235 min

Real Estate Power Moves w/James JEpisode 22: 5 Ways To Handle A Low Appraisal ValueWhat’s one thing you should do if you get a low appraisal value with your home? How do you overcome this? Simply, just look at the comps! If a comparable home on your appraisal has an addition that wasn’t permitted, surely it will have a different value. Today’s guest is James Dickerson with Realtor Keller Williams Realty who was in retail for 20 plus years now. We want to give you some strategies and tips for people that maybe in the process of purchasing and getting an appraisal done, or are concerned about what m...2021-12-1618 min

Real Estate Power Moves w/James JEpisode 20: What the %&K Is Happening With Home Prices? (How This Crazy Real Estate Pricing Appreciation Affects Consumer Buying Power)Are you wondering why home prices keep going up this year? Well, according to the latest Home Price Index from CoreLogic, this is because of the supply and demand chain where there is more demand and less supply in the market right now. And people tend to just wait for the time when the price will go down. In this episode, James explained the importance of taking action to get that homeownership done. The more you wait, the more expensive it's going to become, and the less buying power you're going to have. Are you...2021-12-0111 min

Real Estate Power Moves w/James JHow To Negotiate In A Hot Real Estate MarketBack in February 2020, Texas seemed to be headed for its sixth straight year of record-busting real estate sales. The biggest problem, according to Cindi Bulla, the chairperson of Texas REALTORS, was that the lengthy sellers' market had pushed prices too high for some people to afford their first home. So how do you stand out when competing in this market? Realtor, Maya Petereson will give us her expert advice on ways to get that home you want under contract and to the finish line. 👉Subscribe to my Channel “Texas Mortgage Boss Podcast”: https://www.youtube.com/channel/UCkKb...2021-10-2820 min

Real Estate Power Moves w/James JHomeowner Association & Dues👉Subscribe to my Channel “Texas Mortgage Boss Podcast”: https://www.youtube.com/channel/UCkKb... Make sure to hit the BELL icon to be notified of new videos! 🔔 ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay... Learn more at (Website) ▻ https://texasmortgageboss.com/2021-08-0809 min

Real Estate Power Moves w/James JHomebuyer Mindset in a competitive Texas MarketToday's Facebook live topic is all about the homebuyer mindset. We discuss the right mindset that you need to have as a homebuyer in this crazy and ever-changing market. Whether you are a first-time homebuyer or a seasoned veteran there are things you need to consider before making the biggest purchase of your life. ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay...2021-07-2517 min

Real Estate Power Moves w/James JFirst-time homebuyer series Ep. 7 | Mortgage Insurance vs Homeowners InsuranceWhile homeowners insurance covers you if something goes wrong with your home, mortgage insurance protects the lender if you're unable to pay your mortgage but these two things are often confused so let's discuss it! ► Please subscribe to my Channel “Texas Mortgage Boss Podcast”: https://www.youtube.com/channel/UCkKb... Follow Me on Social: Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay...2021-07-0711 min

Real Estate Power Moves w/James JFirst-time homebuyer series Ep. 6 | How long does it take to close on a home?When you buy a new house, it might not take long to negotiate and agree on a purchase price, but there's a lot more that needs to happen in the homebuying process before the property legally becomes yours. That doesn't happen until closing -- the date when you sign all of the paperwork and officially become the owner of the home. Today we discuss the timeframe you should expect when closing on a house, the steps that need to happen before you can go from being a prospective home buyer to an official owner, and some ways to set...2021-07-0410 min

Real Estate Power Moves w/James JFirst-time homebuyer series Ep. 4 || How much are closing costs when buying a home?After saving for a down payment, house hunting and applying for a mortgage, closing costs can come as an unpleasant surprise. Understanding what closing costs cover and budgeting for them will smooth out the final stretch of the home-buying process. Closing costs include the myriad fees for the services and expenses required to finalize a mortgage. You’ll have to pay closing costs whether you buy a home or refinance. This may be the one thing that holds people back so let's discuss this! ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/james...2021-06-2322 min

Houston Inside Out055 - Your Closing Date Will Affect Your Closing Costs With James JayIn today’s episode, we are talking about how your closing date will affect the closing cost. When would be the best time for you to lock in?Tune in now and understand how the final closing rate is affected by the date and know when is the best time for you! QUOTES“Bottom line is this: Everything is paid in arears.”MENTIONSwww.myhoustoninsideout.com SHOW NOTES[0:01:11.0] The day of the month affects the closing cost [0:01:36.0] Arears explai...2019-05-1106 min

Houston Inside Out053 - Interest rate locks With James JayIn today’s episode, James will be talking about locking in your interest rate. Not as easy as it sounds but it is very important.Tune in now and get tips on how and when to do it!QUOTES“Offering an actual rate lock cost the lender money when that happens. ”“By committing funds to lend to you, the lender is unable to use it for anything else until your loan actually closes.”“Ultimately it is the buyer’s responsibility to lock in interest rate.”MENTIONSwww...2019-04-2705 min

Houston Inside Out052 - Amortization With James JayFor today’s episode, we are going to talk about amortization period and which one is right for you. James is going to share how the actual mortgage payment is structured to help you understand key points to look into as you are deciding.Join us and give this episode a listen to know more about it! QUOTES“Every extra dollar that you are paying towards your mortgage will reduce the amount you’re paying interest and the remainder of the loan.”“Most loans don’t have prepayment penalties.”MENTIO...2019-04-2507 min

Houston Inside Out051 - Looking to Upgrade Your Current Home? Now’s the Time to Move-Up! With James JayIn this episode today, we are talking about knowing why now might be the right time to look into upgrading your home. We will also understand how the market is affected by different factors.Tune in now and know more about it!QUOTES“The luxury home markets typically take longer to sell.”“As the inventory increases, the larger the difference of the list price to the sold price is.”MENTIONSwww.myhoustoninsideout.comSHOW NOTES[00:01:05] Lately, Interests rates have adjusted[00:02:00] Why this...2019-04-2309 min

Houston Inside Out050 - Interest Rates of 17%? Say What? With James JayWelcome to this episode where we are talking about interest rates. Learn some historical contents, some recent rates and know when to perfectly lock it in.So tune in, listen and learn!QUOTES“Rates obviously fluctuate.”“Interest rates play a big factor in your monthly payment.”MENTIONSmyhoustoninsideout.comPhone number: 832-271-1708, Houston Inside Out SHOW NOTES[00:01:53] Interest rates have gone down[00:02:38] The market is heating up[00:03:49] Historical perspective in mortgages[00:07:09] Recent history on rates[00:09:27] Interest rates fluctuate 2019-04-2011 min

Houston Inside Out049 - 7 Things To Avoid After Applying for a Mortgage! With James JayWelcome to this episode of Houston Inside Out where we are going to talk about “7 Things To Avoid After Applying for a Mortgage”. A lot of people have a misconception about what happens after being initially approved for the loan. Learn very important points especially when you are building a home or even when purchasing a home that is already done.Make sure to listen and know more about it!MENTIONSmyhoustoninsodeout.com SHOW NOTES[00:00:25] #1 - Don't change jobs or the way you're getting paid.[00:04:33] #2 - Don...2019-04-1814 min

Houston Inside Out046 - What Happens At Closing With James JayToday we're talking about what happens at the closing of your home. During closing, ownership of a property is transferred from the seller to the buyer. The escrow company distributes all funds, and the new deed is registered in the buyer's name. The buyer also has to bring a check for all of the mortgage and title fees accumulated along the way.Quotes:"Try And Get This Stuff Done."Shownotes:(01:32) There Are Things That Arise As You're At The Actual Closing Ta...2019-04-0609 min

Houston Inside Out045 -Credit Scores And What To Know With James JayCredit scores are calculated using the information on your credit reports, which includes details of your credit accounts, how often you apply for credit, debt collection accounts and some public records, among other things.Quote:"85% Of Americans Have A Credit Score That Will Enable Them To Get Into A Home. "Shownotes:(01:16) They don't educate us.(02:15) No more renting. (07:05) Order a credit report right now. If you like this episode of the Houston Inside Out podcast, please don't forget to like, sha...2019-04-0411 min

Houston Inside Out044 - Things To Avoid When Moving With James JayMoving to a new home can be intensely stressful and throw your life into chaos.So in this episode, we are going to share some things you need to avoid when moving. Stay tuned! :)Quote: "Moving Is The Ideal Time To Get Rid Of Things You No Longer Need. "Shownotes:(02:22) Scheduling Stuff(06:48) Skipping The PurgeIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate yo...2019-04-0211 min

Houston Inside Out043 - Slap the $h_t out of renting in 2019 With James JayNo more renting. If you want to make money slapping somebody in the face, you can make money by slapping your landlord in the face and go get your own home. That's how you make money. Stop making your landlord rich. Quote:"You Want To Be Proactive If You Are Looking At Getting Into A Home This Year."Shownotes:(00:45) We Are Getting Into Credit Scores. (02:13) No ore renting.(05:06) Max Credit Score.(07:35) Wrong Information On Credit Report Side.If yo...2019-03-3010 min

Houston Inside Out042 - Interest Rates Hit New 12 Month Low! With James JayAccording to Freddie Mac’s Primary Mortgage Market Survey, interest rates for a 30-year fixed rate mortgage are currently at their lowest for 2019. Rates like these haven’t been seen since February 2018!Last week’s survey results reported an interest rate of 4.35%. This is a welcome change from the near 5% rates seen in mid-November. At 4.32%, the second week of February 2018 was the last time rates were this low.If you plan on buying a home this spring, contact us, we can help prepare you for today’s market before rates increase!2019-03-2804 min

Houston Inside Out041 - Do 46 Million Millennials Know They Are Mortgage Ready? With James JayA lot of people don't know that they are eligible for a mortgage. So today, we are going to dive in specifically to millennials to talk about some of the misconceptions.Quote: "They've Got The Credit, All The Necessary Items And Necessary Criteria To Be Able To Own A Home. "Shownotes: (00:33) Millennial Talk.(01:51) Millennial Generation Is Growing Up In An Age Where They Can Make Money At A Much Earlier Age.(03:18) Estimated Number Five Million Millennials That Are Going To...2019-03-2608 min

Houston Inside Out040 - What You Must Have To Apply For A Mortgage With James JayA mortgage application can be complicated and requires several documents but as a minimum, you will need to provide some identification.There are a few things you need to have ready before you apply for a mortgage, and we are going to share those things with you in this episode, so stay tuned.Quote:There Is A Balance Between Giving Information And Giving Too Much Information.Shownotes: (01:05) You Could Get A Mortgage Without Having A Job. (04:01) Make Sure You Are Providing Enough...2019-03-2209 min

Houston Inside Out039 - 4 Reasons To Buy A Home This Spring With James JayRight now we're at a great time to get a lower interest rate. You'll be able to make sure you're getting the most bang for your mortgage buck right and right now is an opportune time to do it. If you are looking at getting into one home in 2019, I think you are right on the money doing it now as we're entering the spring season and as we start getting hotter and hotter in the market in April and May and then really burning through the summer. This is a great time to get into a...2019-03-1508 min

Houston Inside Out038 - Skip The Spouse, Buy The House With James JayFor both men and women, buying a home on your own by yourself requires more financial independence than does buy with the support of a partner. In this episode we are going to share the impact of buying a house with a woman.Quote:"A women purchasing homes at a greater flip than single men do."Shownotes:[00:37] Bloomberg Article.[02:08] Women Are More Responsible.[05:45] It's Going To Be A Little More Easier To Purchase When You've Got Another Person.2019-03-0808 min

Houston Inside Out037 - What Is An Appraisal? With James JayIn this episode, we talk about an appraisal. An appraisal is an important part of the home buying process. Lenders require appraisals when buyers use their new homes as security for their mortgages. So stay tuned as we more about appraisals."You also have an income approach as far as the appraisal goes."If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!2019-03-0215 min

Houston Inside Out036 - Negotiation With James JayNegotiation, the things that you can negotiate during the contract phase if you are a buyer and a seller. As a home seller, you want to close as soon as possible and as a seller, you want to get your households as quickly as possible.In this episode, we discussed the five most important things for negotiation. Stay Tuned :)Quote:"Once You Start Getting Into A Higher Price Point Maybe Not Necessarily The Case With Buyers Asking For Closing Costs."If...2019-02-2812 min

Houston Inside Out035 - Have you ever thought about DOWNSIZING With James JayMaybe you’re tired of cleaning a large home every weekend. Maybe the cost of maintenance and upkeep on your current home is steadily rising. But perhaps you’re starting to think hard about why exactly you are living in a home as large as your current one.Here are the things you have to remember when downsizing your home.Stay Tuned :)Quote: "Decide What You're Going To Pack, What Are You Going To Take And What Are You Going To Leave"2019-02-2609 min

Houston Inside Out034 - Thinking Of Buying Investment Property With James JayWhen it comes to property investment, regardless of the type of property you are going to purchase, investing in real estate requires a good amount of cash. But perhaps more important are the pitfalls to avoid so you don’t become a statistic of the property game.To help you out, I’m going to share with you a basic things to consider when buying an investment property. Quote: "Do Your Research On The Property You Are Going To Invest In."If you like...2019-02-2314 min

Houston Inside Out031 - Price Is Right With James JayWhat we need to know about the right pricing as it relates to your home and selling your home this year.You do not want to give buyers a perception that something is wrong with your house by pricing it high and then waiting too long to reduce your price. If you start off and price it right from the beginning, you're going to be a much better situation. It's really important that you find a marketing plan or realtor that has an actual market marketing plan.Quote: "You can...2019-02-1607 min

Houston Inside Out030 - What Will It Cost You If You Wait 1 Year To Purchase A Home With James JayIn this episode, we decide whether it's good to buy a home right away or should we wait the next year. I recommend that you buy now because the interest rates are low hence you're going to pay less for the home that you want. If you wait next year there may be a tendency that the interest rates go up and you end up paying more and losing more money. So I emphasize that you buy now to get ahead and get your money's worth.Quote: "If you're thinking of...2019-02-1406 min

Houston Inside Out028 - How to make your home more lovable to sell? With James JayIn this episode, we are talking about how to make your home appeal to as many buyers as possible. If you are thinking of selling your home, there are different things that you can do to make it more appealing. We are going to give you a few tips or some things that you can do to help prepare your home as you get ready to sell it. Quote:"First impression is everything"Shownotes:[01:33] Few Tips That You Can Do To Help Prepare Your Home 2019-02-0911 min

Houston Inside Out027 - How does a more expensive home costs less? With James JayWhen does a more expensive home cost less?In episode, we talk about why purchasing a more expensive home in an urban neighbourhood could actually wind up costing you less than a home with a smaller price tag in the suburbs.Quote:"All things to consider in the cost of living from where you work versus where you live."Shownotes:[01:40] The Reason Why Does A More Expensive Home Cost Less?[03:26] You've Got Typically Two Cars That Are Going To Be Needed.2019-02-0707 min

Houston Inside Out025 - Is the Recent Dip in Interest Rates Here to Stay With James JayThe market is liquid the past couple of weeks, the question we've heard a lot is, will these dips continue to stay around? In this episode, we are going to answer your question about the interest rates. Shownotes: [01:32] Freddie Mac's Chief Economist, Sam Carter, notes that mortgage rates declining at the start of this year.[02:44] This would be a good time to get back into the game.[03:47] Maximize your buying power during this year. If you like this episode of the Houston Inside Out podcast, please don...2019-02-0205 min

Houston Inside Out024 - Tips To Maximize The Sale of Your Home With James JayHow can you get the most money for the sale of your home? Listen to this episode as we are sharing two things you can do to maximize the value of your home. Quote: "Real estate agents are everywhere. Everybody's has got a real estate agent but here's very few real estate professionals"Shownotes:[00:00:49] How can you get the most money for the sale of your home? [01:31] Every single homeowner wants to make sure they maximize their financial reward when they're selling their home.2019-01-3108 min

Houston Inside Out023 - Entrepreneurship Talk With S.A. SolaIn this episode, we have Sola Okunoren also know as S.A. Sola. We talk about how to be a successful entrepreneur. Sola is a perfumer and former bank executive. He narrates how he became a successful entrepreneur. So please listen and enjoy our show."You only fail when you stop trying"Instagram: nostalgiacollectionFacebook: The Nostalgia Collection00:00 Show introduction 00:51 James Jay introduces his guest who is a perfumer.01:45 Starting back into Sola's journey from...2019-01-2949 min

Houston Inside Out022 - When Is The Best Time To Sell Your Home With James JayWhat are the things to consider on when is the best time to sell your home? Quotes:"You know when the best time really to sell your home was when there was less competition, which right now there's not as much competition as you're going to experience if you wait until you get to the springtime."Shownotes: [00:04] The best time to sell your home is right now and I'm going to give you some reasons to really consider putting your home on the market...2019-01-2605 min

Houston Inside Out021 - How Do Jumbo Loans Work With James JayWhat you need to know about jumbo loans.Quotes:One thing to keep in mind about jumbo loans unlike traditional mortgages typically jumbo loans isn't sold. The bottom line is we're trying to get the loan amount under that $453,000 threshold as not to be in the jumbo loan criteria.Shownotes:00:38 Houston Home Talk show introduction.00:05 A jumbo loan is a specific product. As of January 1st of 2018, a jumbo loan was considered a mortgage loan of $453,100 or higher 2019-01-2410 min

Houston Inside Out020 Annual Percentage Rate VS Interest Rate With James JayWhat you need to know about the difference between an annual percentage rate and interest rate Quotes:"Look at the overall loan. The interest rate is absolutely important. A lot of lenders will make it look much better than it is by having a lower rate if they know they're competing, but then you look at the annual percentage rate which most people do not pay attention to and they're charging a whole lot more fees to get the same type of loan."Show Notes:2019-01-2207 min

Houston Inside Out019 What Are Lender Points? With James JayThe things you need to know about lender points.Quotes:"As you consider your loan options, you really need to look at your long term ownership plan as well as your willingness to actually pay points and that will really help you determine the best strategies so you can consult with a mortgage professional on this and they can give you some scenarios to look at."Show Notes: [00:03] We're talking lender points. These are mortgage points. What are they in? Should you pay them?2019-01-1905 min

Houston Inside Out018 What Happens To A Mortgage After It Closes? With James JayThings you need to be aware about when your mortgage closes.Quotes: "Ultimately the terms of your mortgage assuming you have a fixed rate mortgage your principal interest do not change."Show Notes: [00:06] Introduction to the Houston inside out show.[00:20] We are talking mortgages and specifically what happens to your mortgage after you close on your home.[01:30] Those lenders will actually continue to hold your loan and service your loan meaning they're going to...2019-01-1706 min

Houston Inside Out017 Two Factors To Watch In Todays Real Estate Market With James JayIn this episode of Houston Inside Out we are going to discuss a couple of factors to watch in today's real estate market whether you are buying or selling a homeQuotes:"There are many factors that you should definitely consider, where you want to live, why you want to buy or sell, who is going to help you with your journey. Now, when it comes to today's market though, the two top factors for sure are interest rates and inventory."...2019-01-1505 min

Houston Inside Out016 - Why Include Taxes In Your Mortgage Payment With James JayIn this episode of Houston Inside Out we discuss the importance of escrowing your taxes and your insurance.Quotes:"Overall I recommend people to pay the taxes and insurance monthly in the form of an escrow account.''Show Notes: [00:03] Introduction to Houston Home Talk.[00:37] The importance of escrowing your taxes and your insurance. He discusses that some people like to pay their taxes on their own and some use an escrow account to pay their taxes.[02:14] A deeper in discussing the benefits...2019-01-1210 min

Houston Inside Out015 Option Periods Talk with James JayJames Jay talks about option periods as it relates to a purchase agreement that is you purchasing a resale home. He goes in to explain the importance of having an option period. He also discusses the importance of hiring an inspector to go out to the property to do a full inspection of the property from top to bottom.Quotes:"Option periods are something that is negotiated between a buyer and a seller, but it is a very, very important clause in a residential contract."...2019-01-1008 min

Houston Inside Out014- How Your Credit Score Calculated With James JayJames Jay Discusses how the credit score is calculated and the three credit bureaus that maintain credit records. There are TransUnion, Equifax, and Experian. Any nonpayment is immediately reported to these bureaus and reflected in your credit report. He also explains that the longer the credit history, the better this reflects on your score. Quotes:"The credit score is based on a credit report which is a detailed account of our credit history of borrowing, repayment and credit inquiries. The bottom line is to keep your balance low and...2019-01-0709 min

Houston Inside Out013 Fixed Or Adjustable Rate Mortgage With James JayJames Jay talks about the difference between fixed rate mortgage and adjustable rate mortgage. The fixed rate mortgage and adjustable rate mortgage are both important depending upon the market and your financial expectations, each option will actually provide different benefits and drawbacks.Quotes"Choosing between fixed rate mortgage and adjustable rate mortgage of loans just depends on your individual situation and the interest rate that's going on at that time."Show Notes[00:03] Introduction of fixed rate mortgage and adjustable rate mortgage.[00:15] Show Introduction.2019-01-0407 min

Houston Inside Out012 Home Inspection Talk With James JayJames Jay talks about the importance of a home inspector and the benefits of hiring a home inspector. James explains what a home inspector does and the advantages of hiring a home inspector like a detailed examination of all the major systems of a property. This includes plumbing, electrical, heating, cooling systems, as well as the structural integrity of a property, radon gas, mold, termite detection.Quotes:"A home inspector is trained specifically to go through a home and detect all kinds of issues that you and your realtor are not qualified to d...2019-01-0206 min

Houston Inside Out011 How To Maintain Credit After We Are Approved Of A Loan With James JayJames Jay talks about getting into credit and how to maintain credit after we are approved of a loan. He tells us not to make unnecessary purchases while a loan is still in the pre-approved stage, for example, buying furniture because this might jeopardize our credit score which would also jeopardize the loan approval process.QUOTES:" Be very, very careful once you are initially approved for a loan. Do not make any new purchases."Show notes:[00:39] How to maintain credibility when a loan is...2019-01-0107 min

Houston Inside Out010 Houston Market 2019 Overview With James JayJames talks about projections for the city of Houston for 2019 relocating to Houston and relocating from Houston. He also talks about the population and unemployment rates and the rent and income in Houston as well as fortune 26 to fortune 500 companies. He also talks about the medical care and hospitals and the top of the line cancer care center in Houston. Lastly he talks about oil and gas which could improve in 2019.QUOTES"Our economy is still very, very strong and something that we should be proud of and moving into 2019 definitely going to be so...2018-12-2806 min

Houston Inside Out009 Why Houses Do Not Sell In A Strong Market With James JayIn this episode, James is going to share with us the top five reason why houses do not sell in a strong market. So don't miss this episode and let's find out his deep insights about it.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!2018-12-2813 min

Houston Inside Out008 Four Reasons To Sell This Winter With James JayThe winter time is a time of year where a lot of people are confused as to whether they should take their home off the market way to the spring. In this episode, James is going to share four reasons to keep selling this winter. So don't miss this episode and let's find out his deep insights about it.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!2018-12-2206 min

Houston Inside Out006 What is Home Warranty With James JayIn this episode of the Houston Home Talk, James explains what you need to know and what the differences between a home warranty and home insurance. Shownotes:[00:55] What Is Home Insurance?[04:09] What Does Home Warranty Cover?[08:16] If you have questions, reach out to us.Full Transcript:[00:02] INTRO: Welcome to Houston Home Talk featuring all things real state in the Houston area. We'll interview real estate professionals, local business owners and special guests from right here in the Houston...2018-12-1409 min