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We close loans every day that Banks would not, or could not approve.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825

Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

Realtors & Builders – If I could help you Close 1 MORE deal a month, Would you be interested?

How many times a month do you have a motivated buyer that your current lender says cannot be done?

2 out of 10?

4 out of 10?

More?

What do you do with these disappointed clients? Say sorry and move on to the next one?

I can take these potential buyers and turn them into a stable and on-going source of APPROVED buyers for you that will last for years into the future.

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Reply if you would like to know more.

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not, or could not approve.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

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Plano’s Shops at Willow Bend getting a $100 million redo: hotel, office tower, entertainment

The Shops at Willow Bend is getting a $100 million redevelopment.

Starwood Retail Partners acquired the Plano shopping center a year ago from Taubman Centers Inc. and has decided on improvements to make the center more relevant to a growing Plano.

Major additions include a class “A” office tower, hotel and an entertainment district.

The expansion begins in early 2016 with the razing of the 125,000-square-foot former Saks Fifth Avenue. The addition in its place will be the “architectural focal point” of the mall’s new main entrance facing the Dallas North Tollway.

The redevelopment will be in phases with first phase done in 2017 and the total project completed in 2019, Starwood said. The company promises the redevelopment will be highly visible from the tollway with a “vibrant welcoming façade that expresses a sense of arrival for people visiting” the center.

“Plano is experiencing terrific growth, and our vision for Willow Bend is in step with the city’s business, shopping and entertainment plans for the future,” said Scott Wolstein, CEO of Starwood Retail Partners.

The developer tried to take the mall to a high-priced super luxury center to build off of Neiman Marcus, Wolstein said, but the demographics for the area are so much broader.

“The demand for merchandise went beyond the initial Prada, Gucci and Armani level, he said. “Neiman Marcus can serve that customer and it does very well along with Dillard’s, Macy’s, Restoration Hardware, Crate & Barrel and Apple do extremely well.”

Those tenants are all sought after by shopping center landlords and “We’re very happy to have that base of mall. The hard work is done,” Wolstein said

The Shops at Willow Bend opened in 2001, a month before 9-11 and a U.S. recession that followed the terrorist attack. The proximity to Frisco’s Stonebriar Centre, which had opened a year earlier, and other nearby shopping proved to be strong competition for the mall. The mall has 125 stores and is anchored by Neiman Marcus, Dillard’s and Macy’s.

More competition is coming from the $2 billion Legacy West project north of Willow Bend and on the same side of the tollway at Legacy. The project on 250 acres next to J.C. Penney’s headquarters will be home to Toyota Motor and Liberty Mutual Insurance corporate campuses. It includes 280,000 square feet of retail and a 300-room Renaissance Hotel.

Another project just east of Legacy West in The Colony is Nebraska Furniture Mart’s Grandscape. That $1.5 million project is opening in stages with plans for hotels, office and more retail and restaurants.

Another issue that hurt the mall initially, Wolstein said, was that the area between Willow Bend and Stonebriar wasn’t as developed and filled in as it is now. That means the trade area is no longer a one-store market for many retailers and restaurant chains.
“It used to be either or, but now with the growth there are opportunities for retailers to be in both malls and that gives us a stronger roster of tenants to chose from,” Wolstein said.

Willow bend was one of seven shopping centers that Taubman sold in 2014 for $1.4 billion. At the time, Taubman said the shopping centers sold lagged behind the performance of the company’s other properties.

Dallas Morning News – Original Article 10-20-2015

Here’s the Bottom Line: DFW is booming in economic development and property values are strong. You should OWN your home!

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We close loans every day that Banks would not, or could not approve.

J. Scott Harris
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Zillow says: Rent historically unaffordable in Dallas

Carla Wade, WFAA August 13, 2015 – Original Story

DALLAS — New numbers from Zillow show that rent in Dallas is historically unaffordable.

While financial experts have been telling people to not spend more than 30 percent of their monthly income on rent, DFW renters are coming pretty close to that.

A second quarter analysis shows renters are paying 28.7 percent of their monthly income on rent — more than a seven percent increase over past years. But that’s still less than the national rate of 30.2 percent.

Home values have surged in Dallas-Fort Worth, selling quickly for more than the asking price, and with new listings attracting multiple offers. So much so that some real estate experts have recommended renting over buying right now.

But even so, paying a mortgage is still more affordable than renting. And this all hurts renters over the long haul.

Spending so much money on rent, they save less for retirement and have trouble saving up for the down payment it takes to buy a home.

Watch the WFFA Channel 8 News Story

Here’s the Bottom Line:Owning is cheaper than renting! Even is another Lender has said NO, we can help you.

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

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We close loans every day that Banks would not, or could not approve.

J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Home Sales Will Remain Hot This Summer

People always talk about the “spring buying season” when they talk real estate. However, this year it appears as though the summer real estate market will be just as hot. The most recent Foot Traffic Report released by the National Association of Realtors (NAR) revealed that there are more buyers out looking at homes right now than at any other time in the last two years including the past two springs (in orange below).

The Foot Traffic Report is compiled from data on the number of properties shown by Realtors. NAR further explains:

“Foot traffic has a strong correlation with future contracts and home sales, so it can be viewed as a peek ahead at sales trends two to three months into the future.”

We can see that the number of prospective purchasers out looking at homes has been greater each month this year compared to the same month in 2014. And, though foot traffic fell off last June as compared to May, this year it has increased nicely.

Bottom Line – It is a great time to buy a home!

The housing market will remain strong throughout the summer and into the fall, making for one of the best years in real estate over the last decade.

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J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517

Closing Real Estate Transactions change dramatically August 1st, 2015 – Docs to Title = Wait 3 days

Get Ready for TRID!

So, do we all really understand the changes taking place in the next 60 days?

Let’s start with TRID – what does it stand for? It is the TILA-RESPA Integrated Disclosure rule implementation. That is a mouthful so now we all get the abbreviation to just TRID.

What does it mean? Well, for starters…

Gone forever are: HUD1, GFE and TIL

Replaced by: the “Loan Estimate” and the “Closing Disclosure”

SAMPLE DOCUMENTS
TRID Loan Estimate & TRID Closing Disclosure

There are also new rules for the closing procedure.

All forms and closing documents must be ready three days prior to closing.

What this means is you and the other settlement service providers, including our closing team and the title agent, are under the gun to get everything squared away earlier than you have to today.

Buyers and sellers have to be cooperative as well, because if last-minute changes are made a new three-day waiting period kicks in, at least in some cases.

The CFPB’s goal in making these changes is obviously to increase transparency for consumers. Now, I know we don’t always like change on our side… but I do think once this gets ironed out, it will be better for the entire industry in the long run.

The good news is we have until August 1 to get familiar with the new forms and learn about the new closing procedures.

There are also many videos and webinars on the topic.

Quick/Easy video from Stewart Title – (3 min)

https://www.youtube.com/watch?v=7tNGICYIhtM&feature=youtu.be

Ken Tripeta from NAR – little more in depth but very informative (5 minutes)

https://www.youtube.com/watch?t=39&v=CLjFLD4LsnE

Here’s the Bottom Line:
Type a call to actionCall us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not,
or could not approve.

Mortgage Expert

J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

New Construction: Builders cannot get them up fast enough!

If you are planning on selling your home over the next two years, now may be the time to act. Demand is high, supply is low and many homeowners are benefiting from an almost auction atmosphere with several buyers fighting for their house in the current multi-bid environment.

Higher prices and less stringent contingencies are making it easier for the seller and their family. However, there may be more (and better) competition about to hit the market in the form of newly constructed homes. This may put an end to the buyers’ frenzy over the limited inventory of existing homes which has been below normal levels for over a year.

According to the latest report from the National Association of Realtors (NAR), the forecast for new housing starts and sales will increase significantly over the next two years:

NAR is forecasting 1.1 million new housing starts in 2015, jumping to 1.4 million in 2016.
New home sales are projected to increase from the 437,000 in 2014 to 570,000 this year and 720,000 in 2016.

Bottom Line

In DFW, building cranes are again stretched across the city skyline. In most suburbs, you can again hear the thumping of a carpenter’s hammer in the background. Those are the sights and sounds that inform us that it may be time to buy or move-up!

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.

J. Scott Harris
Vice President – Mortgage Miracle Working
NMLS #375517
Gold Financial Services, Inc.
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

August 1st Looming – Real Estate Closings may grind to a halt!

Lawmakers Seek to Give Lenders More Time for New Mortgage Disclosures

BY BRIAN COLLINS

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MAY 4, 2015 3:57pm ET

WASHINGTON — Two House Financial Services Committee members introduced a bipartisan bill late last week that is designed to give lenders breathing room when new disclosure rules go into effect on Aug. 1.

The bill would shield lenders from regulatory enforcement actions and private lawsuits through yearend if they make a good faith effort to comply with the Consumer Financial Protection Bureau’s new rule.

“It provides a safe harbor for those who are trying to follow in good faith,” said Rep. Brad Sherman, D-Calif., one of the co-authors of the bill. “But this is a shakedown cruise. The ship has got to launch on Aug. 1.If it there is a thing that goes wrong there, you got to fix it.”

The bill, which is co-authored with Rep. Steve Pearce, R-N.M., was introduced late Friday. It is directed at the CFPB’s rule combining the mortgage disclosures of the Real Estate Settlement Procedures Act and the Truth-in-Lending Act.

Read the complete article on National Mortgage News

Here’s the Bottom Line:
Urge your Senators and Congressmen to support this gradual implementation of the CFPB’s new RESPA disclosure rules or Real Estate Closings will happen much slower August 1st.

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not,
or could not approve.

J. Scott Harris
Vice President – MORTGAGE MIRACLE WORKING
NMLS #375517
Gold Financial Services, Inc.

5055 Keller Springs Road, Suite 500
Addison, TX 75001
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688

Apply Online – www.MortgageXperts.com

Gold Financial Services, Inc.
is a division of Amcap Mortgage, Ltd. NMLS# 129122

Texas’ Job Growth Outpaces U.S. – Now there’s a surprise!

IT IS A GREAT TIME TO MOVE TO TEXAS!

By Bryan Pope, Associate Editor, Real Estate Center at Texas A&M University
May 5, 2015/Release No. 10-0515

COLLEGE STATION, Tex. (Real Estate Center) – The Texas economy gained 320,400 nonagricultural jobs from March 2014 to March 2015, an annual growth rate of 2.8 percent compared with 2.3 percent for the United States.

According to the latest Monthly Review of the Texas Economy, published by the Real Estate Center at Texas A&M University, the state’s nongovernment sector added 304,300 jobs, an annual growth rate of 3.2 percent compared with 2.6 percent for the nation’s private sector.

Texas’ seasonally adjusted unemployment rate fell to 4.2 percent in March 2015 from 5.3 percent in March 2014. The nation’s rate decreased from 6.6 to 5.5 percent.

All Texas industries had more jobs in March than a year ago. The state’s construction industry ranked first in job creation followed by the transportation, warehousing and utilities industry, leisure and hospitality industry, education and health services, and mining and logging.

All Texas metro areas except El Paso and Wichita Falls had more jobs. Midland ranked first in job creation, followed by Odessa, Beaumont-Port Arthur, Longview, Dallas-Plano-Irving and San Antonio-New Braunfels.

The state’s actual unemployment rate was 4.2 percent. Midland had the lowest unemployment rate followed by Amarillo, Austin-Round Rock, College Station-Bryan and Lubbock.

The complete report is available online at http://www.recenter.tamu.edu/pdf/1862.pdf.

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Gold Financial Services, Inc.
is a division of Amcap Mortgage, Ltd. NMLS# 129122

Home Sales Skyrocketing!!

Yesterday, the National Association of Realtors (NAR) released their Existing Home Sales Report. The numbers shocked many analysts as they revealed a 10.4% increase over the same month last year.

This is the highest number of sales since September 2013. Sales have increased year-over-year for six consecutive months and the 10.4% increase is the highest annual increase since August 2013. March’s sales increase was the largest monthly increase since December 2010.

Lawrence Yun, NAR’s chief economist, explained:

“After a quiet start to the year, sales activity picked up greatly throughout the country in March. The combination of low interest rates and the ongoing stability in the job market is improving buyer confidence and finally releasing some of the sizable pent-up demand that accumulated in recent years.”

Here is a graph showing home sales so far this year:
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An increase in sales occurred in every region of the country even the Northeast that experienced one of their roughest winters in years:

Bottom Line

Houses are flying off the shelves. This may be the perfect time to sell yours.

J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Category Archives: Real Estate News

We are Closing several loans this month that other Lenders wouldn’t do.

We are Thankful for those Lazy Builder in-house Lenders & Banks with 640+ overlays!

Realtors & Builders – If I could help you Close 1 MORE deal a month, Would you be interested?

Plano’s Shops at Willow Bend getting a $100 million redo: hotel, office tower, entertainment

Zillow says: Rent historically unaffordable in Dallas

Home Sales Will Remain Hot This Summer

Bottom Line – It is a great time to buy a home!

Closing Real Estate Transactions change dramatically August 1st, 2015 – Docs to Title = Wait 3 days

New Construction: Builders cannot get them up fast enough!

Bottom Line

August 1st Looming – Real Estate Closings may grind to a halt!

Lawmakers Seek to Give Lenders More Time for New Mortgage Disclosures

Texas’ Job Growth Outpaces U.S. – Now there’s a surprise!

IT IS A GREAT TIME TO MOVE TO TEXAS!

Home Sales Skyrocketing!!

Bottom Line