Super Moms

If you’re a single mom considering buying a home, you’re not alone. According to a study conducted by the National Association of Realtors, single women are more than twice as likely to purchase a home than single men. In late 2016, 16% of homebuyers consisted of single moms. Only 7% of buyers were single men.

Surprisingly on a national average, women generally make less money than men. Regardless, single moms everywhere are finding opportunities to purchase homes for themselves and their families.

If you’re a single mom who’s looking to purchase within the year, ask yourself a few questions:

Remember to stay organized during your home buying process. Be prepared to provide tax returns, proof of income, renter’s history, proof of identity and anything else your chosen lender may ask for. There’s a whole slew of paperwork that comes with purchasing a new home.

Another thing to think about is that if you’re buying your first home, it probably won’t be your last. Most people go through two or three permanent residences before finally settling down into a home that they will never part with. Families grow, new jobs require relocation, and sometimes you just need a change of scenery. So don’t be disappointed if your first home doesn’t hit every nail on your wish list, dream homes often take several years to come by.

Safety is another key issue. If you’re a single mom and you’re not actively dating, chances are there may not be a man around for added security. You could consider getting a dog as a first line of defense and an alarm system that you could connect to your phone as a second.

Single moms are the lifeblood of this country, they always seem to beat the odds and supersede what seems like impossible expectations! Do you want a new home for you and your family? Go get one, you Supermom!

 

When doing your research always be sure to use great sources! Check out the sources for this article below!

http://themortgagereports.com/24375/single-women-homebuyers-your-guide-to-getting-it-right

http://themortgagereports.com/26637/five-keys-to-a-better-mortgage-application

 

 

WHITNEY RUSH , VALLEY WEST MORTGAGE

 

What's Hiding in the Basement?

If you’ve seen recent horror movies like The Conjuring, The Forrest, and The Collector or even more dated movies like Scream from the 90s, or Psycho from the 60s, you’d probably never venture down into the basement for fear of the unspeakable terrors that could be awaiting you within the bowels of your home. Television has portrayed the basement to be a dark and scary place where spooky things happen to nice people. But this is the real world, so what’s really down there in your basement?

If you haven’t been conducting séances or communicating with the dead using a oujia board, then you’re probably safe from unspeakable terror. Instead of being afraid of what’s in the basement, why not develop it into a space that can be fully functional for your family?

Benefits of a Basement

The basement can be used for a number of different purposes. You could develop it into an office space and work from home. You could turn it into a play room for your children and finally get some peace and quiet upstairs. Husbands could use it for a man cave. Wives could use it for all of those extra shoes and handbags crowding up the closet in the master bedroom. You could turn it into a guest space or just use it as a large laundry room. No matter what you decide to use the space for, it’s so beneficial to have the extra square footage. It’s sometimes challenging to add on to the surface level of the home because of backlash from neighbors who think you’ll be to close to their home, or from the HOA for violating local ordinances on construction. Adding a basement to a house that doesn’t yet have a basement can increase the property value because you’re increasing the livable space within the home. Finishing a basement that was already a part of your home also can bring the value up because you’re improving the space that already existed. Imagine how much more your home would be worth if you turned the basement a second master bedroom or master suite, for example.

Building a Basement

If you’re building your home from scratch it will be more feasible to include a basement. Building a basement under an already existing home requires the approval of your local housing administration. In either case putting in a basement would also require that building professionals (soil specialists, contractors, plumbers, electricians, etc.) come out and evaluate your home’s eligibility for a basement. Certain factors could keep you from building a basement. Those factors include the density and texture of the soil around your home, the depth of frost lines in your area, and your homes proximity to bodies of water.

There has to be a foundation underneath your home for the house to sit on. Most builders call this foundation “footing”. Having a basement is what we like to call a win/win situation. You would have a strong foundation underneath your home and you can use the space inside of that foundation in any way that you choose! So, what exactly is hiding in the basement? The opportunity to expand your home and create a space that is unique to you and your family’s needs.

 

 

 

 

When doing your research, always be sure to consult great sources. Check out the sources for this article below!
https://www.thebalance.com/pros-of-finishing-a-basement-for-property-investors-2124861
http://www.latimes.com/home/la-hm-basements-20150509-story.html
http://www.mailtribune.com/article/19980811/news/308119991
http://mccainconstruction.net/basements/

WHITNEY RUSH, VALLEY WEST MORTGAGE

The Analytics on Appraisals

The Analytics on Appraisals

What is an Appraisal?

An appraisal is a document provided by an appraiser (the person who conducts the appraisal report) that provides a professional estimate of the value of your home.

Appraisals are conducted by a third-party appraiser who is completely objective in their process. Appraisers do not work in favor of the lender nor the borrower. They simply conduct the appraisal and produce their findings.

Appraisals are most often conducted two ways. The first way an appraiser can conduct an appraisal is by noting comparables. Comparables, or comps for short, are properties within the neighborhood of the home you’re buying that are similar to yours. The appraiser will use the values of the similar properties nearby to determine the value of your home. The second way is by estimating how much it would cost to replace your home should it burn down or be otherwise destroyed. The appraisal will compile all of the findings of the appraiser including:

Why Lenders Need Appraisals

Lenders do not want to dish out more than the actual market value of the subject property. An appraiser’s goal is to determine that value. With this figure, the lender knows how much the property will sell for if you default on your loan. They also know how much they can lend to you without taking a loss if you default.

For example: If the subject property is appraised at $150,000 – that’s how much it will sell for on the open market. If your lender gives you a loan of $175,000 and you default on your loan, they now have to try to sell the home at a higher amount than what its appraised for, which can be difficult. If they end up selling the home for the actual market value, they’ve just lost $25,000. It is for this reason that lenders usually give a loan amount that is at or under the appraised value.

Why Borrower’s Need Appraisals

Appraisals are usually buyer paid and can be paid for at closing or during the application process. If you’ve signed a contract to buy a new home for $200,000 and the appraisal comes back valuing the home at $150,000, you should negotiate with your lender to lower the loan amount because you’re paying more for the home than it’s actually worth.

Overall, appraisals are a measure of protection. They ensure that neither party is lending or spending too much during the purchase process of a home.

 

 

 

 

 

 

 

When doing your research, always be sure to cite great sources! Check out the sources for this article below!

 

http://www.bankrate.com/finance/real-estate/why-does-the-house-need-an-appraisal.aspx

https://www.thebalance.com/mortgage-101-series-understanding-the-appraisal-process-2395231

https://www.thebalance.com/facts-about-residential-real-estate-appraisals-1797691

https://www.thebalance.com/appraisal-process-when-buying-a-home-2395235

 

WHITNEY RUSH, VALLEY WEST MORTGAGE

 

 

Inflation and Our Economy

How Inflation Impacts our Economy

Our economy is doing better than it has done in a long time. As more and more people in the US are finding work, the unemployment rate is steadily dropping. This is great for the economy of our country as people and businesses are buying, selling, and trading and in turn stimulating the economy.

One important factor involving economic stimulation is inflation. Inflation is important to understand if you want to realize why interest rates may be going up soon. Inflation, simply put, occurs when prices for goods and services increase, but the value of the dollar decreases. Inflation is controlled by making sure that the costs of goods and services are proportionate to the amount of money that people are making. It also controlled by making sure that the physical amount of money that the  Federal Reserve is printing isn’t being over produced.

The downside to a thriving economy, is that the same factor that makes the economy thrive is the same factor that can take it down. If more money is being earned by the public, more money is being printed which makes the value of the dollar go down and the cost of living go up.

Let’s illustrate with an example about name brand sneakers. The reason why sneakers are so expensive is because in a lot of cases, the manufacturer only makes so many pair (or in our case, the Federal Reserve only prints so many dollar bills). When people start making more money, they can buy more sneakers. If more and more of the same sneaker is made, the value of that sneaker goes down, because the amount of sneakers being produced has gone up. So, to recreate the exclusivity, the manufacturer increases the price of the sneaker. This brings back the value of the sneaker and ensures that the manufacturer is still making a profit.

By the same token, when we as citizens make more money, the Federal Reserve has to print more money to ensure everyone gets paid, but the faster the Federal Reserve prints money the faster the dollar loses its value. When the dollar loses its value, manufacturers have to raise the cost of goods and services to still make a decent profit. This is an example of inflation, and to counter it, the Federal Reserve increases things like interest rates and taxes.

By increasing interest rates, the Federal reserve is basically making us spend more money on things that are vital to everyday life (mortgage loans, auto loans, credit card loans) to control the amount of money that is circulating within the nation. When rates are increased some people are cut out of the market meaning the spending of the nation as a whole is slowed. In some circumstances (like the one our economy is in now) the Fed has to up the interest rates in order to control spending. Unemployment rates are dropping which means more money is being circulated. This is good for a little while, but if we start making too much money and too much money is printed, we lose the value of our dollar.

Janet Yellen of the Federal Reserve has been discussing interest rate hikes openly in the first couple of months of this year. The Fed can almost guarantee a rate hike and it’s definitely coming soon, as we know the next meeting of the Federal Reserve will be held mid-March. Though a surge in interest rates may make borrowing more difficult (but not impossible) for some borrowers, the idea is that it will help the economy as a whole by controlling inflation.

 

 

 

 

 

 

When doing your research, always use great sources! Check out the sources for this article below.

http://inflationdata.com/Inflation/Inflation_Rate/CurrentInflation.asp

https://www.thebalance.com/what-is-being-done-to-control-inflation-3306095

http://www.investopedia.com/articles/06/gdpinflation.asp

 

 

WHITNEY RUSH, VALLEY WEST MORTGAGE

Mortgage Rate Hikes Are On Its Way

If you’re into literature, you know that shortly before his death Julius Caesar was told to “Beware the Ides of March”, and if there were any soothsayers around today, they’d probably be telling us the same thing right about now in relation to mortgage rates. We’re just slightly over a week into this month and though we’ve yet to see that increase in interest rates that has been so heavily discussed by the federal reserve since the beginning of this year, we still know that it’s on its way. And unlike the great Julius Caesar, we need to be prepared for what’s to come.

Janet Yellen, Chairwoman of the Board of Governors for the Federal Reserve, has hinted to a rise in interest rates, specifically in March, several times this year. Our economy has been doing very well in the sense that more people are becoming employed, making money and paying bills. To balance this surge in economic profit, the Federal Reserve has to ensure that the general population doesn’t make so much money that the value of the dollar decreases. Preventing this kind of inflation means raising interest rates to offset the amount of money that will be circulating throughout the country.

Take a look at Janet Yellen’s comment from the Federal Reserve Meeting on March 3:

"Indeed, at our meeting later this month, the committee will evaluate whether employment and inflation are continuing to evolve in line with our expectations, in which case a further adjustment of the federal funds rate would likely be appropriate," she added.

Not only did Yellen tell us that the Fed is to have another meeting regarding this issue this month, she also told us what they plan to evaluate. Like we discussed earlier, if the employment and inflation rates are moving in a positive direction (which they have been for the last few fiscal periods), interest rates will rise (according to the Fed).

For banks, rising interest rates will be a benefit for the next coming months as borrowers will want to purchase and refinance before the rates get too high. In other words, business will be booming as the rates rise to their peaks. For borrowers, getting into the bank to purchase or refinance should be a top priority for obvious reasons. To illustrate, let’s talk about my friend Jeff. Jeff is at home watching the news and he sees that gas will cost twenty more cents per gallon starting tomorrow. Jeff gets up from his couch and goes tonight to put gas in his car and he fills up his tank. Why? Well wouldn’t you want to buy gas today if you knew it would cost more tomorrow? Most borrowers have the same mindset as Jeff when it comes to their homes. If they know it will cost them more to purchase a home in two weeks, they jump on the bandwagon and call one of our Loan Officers today to get the process started and to get a good rate locked down. Needless to say, it’s more advantageous for you as a borrower to capitalize from the opportunity. The rates are going up sooner rather than later and hey, if you can’t beat them, join them. If the Fed is going to capitalize from the growing state of our economy, why shouldn’t you?

So heed the warning of the soothsayer and beware, (or in a less Shakespearian language) just be alert of the ides (usually the middle of the month) of March as it may hold the key to your next refinance or purchase and you don’t want to miss that opportunity.

 

 

 

 

 

 

 

When doing your research, always use great sources! Check out the sources for this article below.

 

http://www.cnbc.com/2017/03/03/janet-yellen-puts-a-rate-hike-on-the-table-for-this-month.html

http://www.cnbc.com/2017/03/07/fed-rate-hikes-may-come-faster-than-the-market-thinks-commentary.html

http://www.cnbc.com/2017/03/06/fed-interest-rate-hike-in-march-is-big-deal.html

 

WHITNEY RUSH, VALLEY WEST MORTGAGE

The Federal Reserve Brings Good News for Interest Rate Decison

February 1st brings some good news already. The Federal reserve as expected has held the interest rates steady today as they begin to assess where our economy heading-but they hinted that the rates might stay low for a good while to come.

The Fed’s decision today confirmed those expectations.

“In view of realized and expected labor market conditions and inflation, the Committee decided to maintain the target range for the federal funds rate at 1/2 to 3/4 percent,” the Federal Open Market Committee said in a statement. “The stance of monetary policy remains accommodative, thereby supporting some further strengthening in labor market conditions and a return to 2 percent inflation.”

The FOMC also said that it expects economic conditions to evolve in a way that will warrant “only gradual increases” to the federal funds rate in the immediate future. The rate, the committee said, “is likely to remain, for some time, below levels that are expected to prevail in the longer run.”

 

When doing your research, always use great sources! Check out the sources for this article below.
http://www.mpamag.com/news/fed-announces-interest-rate-decision-58976.aspx

 

-Valley West Mortgage

 

House Flipping and some details you need to know.

We can bet you’ve flipped a coin, but have you flipped a house?

High priced homes are exactly what house flippers are looking for. Why? Because high priced homes turn out a more profitable result. Flipping houses is a trend that has recently re-started during the better parts of the housing bubble. A flip occurs when a person has purchased and sold the home within a year. Financing was a lot easier back then compared to what it is now, so investors were buying cheap homes and flipping them. Now, as pocket friendly priced houses are more scarce, investors are forced to buy the more expensive homes. Though this may have seemed like something that would slow down the flipping process, according to a CNBC mortgage article by Diana Olick, house flippers are finding this method to be more lucrative. The return on a flipped house has gone up from 24 percent last year (2014), to 36 percent this year (2015).

House Flipping Around the Country

Olick also tells us that “Nevada and Florida, where the share of distressed homes are still relatively high, are still seeing the most house flipping action. Chicago IL, Dayton OH and Baltimore MD offer some of the best gross returns.”

What’s the Catch?

The downside to flipping homes, that has to be taken into consideration before venturing into such a big project, is the possibility that home flippers could quite possibly lose everything they are investing in. If you buy a property that you plan to invest in and find the cost of renovation is something you can’t afford, then you’re stuck with a house that you can’t sell. You may be able to sell the house to another home flipper, but you’re not going to get all of your investment back. An even worse situation would be where you’ve done everything you can and still can’t sell the home, because of the location or other factors. You could be looking at paying the cost for the home, the renovations, and any new upgrades you may have already done and never even see a profit returned.

What Are Some Of The Draw Backs?

When you decide that flipping a home is the right move for you, there are a few things you need to consider before you start purchasing materials. If the home is older, you may be forced to bring the electrical wiring up to code. Homes that were built in the late 1950’s and 1960’s, were in fact built to code. That code however, was set during the same time period. As the years clicked by, building codes have changed a number of times. The codes are updated every time a new discovery is made that could result in structural damage, fire damage or simply put, the home could collapse at any moment. Even if you’re remodeling your existing home, you’re going to need to update all of your electrical to the current building codes. We’re not talking about just one section of your home. The entire home will need to be rewired. This also goes for the plumbing and any insolation you have in your current home. Commercials on television and radio make remodeling your home sound so easy. In some case’s it really can be. If you have an older home though, you will have a few hurdles to overcome first.

Mold is another factor that you need to consider when you decide to flip a house. In Las Vegas, and other warm cities, the mold removal industry has seen a recent spike in business. A small leak from your bathroom faucet could possibly end up causing more damage than you would think. Molds are a kind of fungus that can grow on wood, concrete, bread, oranges, or any surface that provides a suitable combination of temperature, moisture and food. Molds feed on nutrients on the surface of wood – they do not eat or weaken the wood itself.
When buying a home, to flip or just to live in, you’re going to need a home inspection. Most inspections will identify any issues the home currently has. This includes mold damage, faulty wiring practices and building code violations.

How You Can Flip a House

In order to flip a house you have to be sure that the market is right. By that we mean, the housing market. You want to try and buy your investment property at a time when your investment will return the best profit. The idea is to buy a house for a low value, reconstruct and fix it up, make it livable and give it some eye appeal. After jazzing up the property, you sell the property and ideally because you’ve put so much work into the property, you sell the property for a higher amount than what you paid for the house and its repairs. It can be a risky but rewarding business. Maybe flipping homes could be a new hobby for you.

Monthly Income reports determine we're not saving enough.

According to a survey conducted by Bankrate and an article on CNN Money, half of the American population currently saves less than five percent (5%) of their monthly income. It's estimated that eighteen percent (18%) of Americans save almost nothing from their monthly income. Scary right? What is the main cause of this problem and how do you make changes in your life to start saving more of your monthly income? Those are usually the first questions asked when discussions open up about personal finance.

As the United States Economy improves day by day, more Americans start spending more money on extra expenses. It's important to treat yourself once and a while. On the other hand, we know that the U.S. Treasury Bond can spike over night and raise rates to record highs. So its important that you're putting money into your savings. You know, for those "What if..." moments.

Why we're not surprised that monthly income savings are below five percent

When you factor in all that's going on in Colorado, Nevada and California, it makes complete sense to us that Americans are saving less from their monthly income. California is facing one of the worst droughts on record. The state taxes keep rising and wild fires are breaking out all over the place every other week. California always has something going on, so thats a little less alarming compared to Nevada and Colorado. Nevada is close to entering a drought of our own. The Colorado river feeds into Lake Mead and the Hoover Dam. With water levels continuing to fall, Hoover Dam is struggling to make power. This is alarming news considering that the Hoover Dam provides power to Arizona, Southern California and Nevada.

Lake Tahoe, in northern Nevada, currently sits below it's natural rim. This causes the Truckee river to produce less water to the city of Reno and raise water prices. You can see that even something as important as snow fall effect how much money you save. It kind of makes you rethink global warning all over agin doesn't it.

low water levels truckee river

Taken in 2015, the Truckee River sites with water levels at a record low.

How saving less can hurt your loan chances

When you apply for a mortgage loan, banks and brokers will want to see a copy of your W2's and your taxes for the last two (2) years. They may ask you for two (2) to three (3) months of bank statements. Showing that you have some money in savings is very important. Having a steady stream of income is even more important. What's more important, showing that even if you only put two hundred to three hundred dollars towards savings each monthly, you're committed to paying your bills on time. Investors will see this and assume that if you get the chance to save an extra five hundred dollars, you will. That can help per-qualify you for a mortgage loan. Not being able to save anything and having a crazy list of spending spree's does not help your situation. Keep that in your mind the next time you feel like splurging on new shoes.

Our monthly income savings recommendation

Valley West Mortgage recommends that Americans should save fifteen (15) to twenty (20%) of their monthly income. If you make $4000 a month, that would mean that you need to save six hundred dollars ($600) to eight hundred ($800) dollars a month. Our recommendation also accounts for savings toward retirements and the principle interest of your mortgage loan.

Why You shouldn't miss a payment

Missing a payment on your mortgage loan may seem like the end of the world. In most cases you know ahead of time that you are going to miss a payment. In a more drastic scenario you may be faced with a situation where you have to use your mortgage money for some other dire expense at the last minute. Either way things happen, and lenders know that. If you’ve reached the point where you can’t pay your mortgage it’s probably safe to assume that your savings are running low and your other bills may be suffering as well. Don’t let things get out of hand. Instead, take control of the situation before it becomes financially overwhelming. Begin by speaking to your lender. It’s imperative that you let them know your financial situation before you actually miss your payment. This is why it’s important to choose the right lender before actually taking out a mortgage loan.

You need to know that if a time of struggle comes, your lender will have your back. Find comfort in knowing that you are not the first nor will you be the last person to miss a mortgage payment. Your lender should be able to design a payment plan to best suit your needs. A payment plan will keep you mortgage paid, keep your lender happy, and keep your credit in good standing.

Missing a Payment is just a bad idea

It’s NOT okay to simply ignore the issue. Ignorance is not always bliss. Banks are experts at knowing where their money is and when it should be coming in, and it doesn’t take them long to figure out when some of it is missing. Some banks will allow a grace period of a few days for you to provide payment without incurring a late fee. Other lenders may even let you skip a payment and make up for it the following month.

Ultimately, non-payment of your loan can and most likely will lead to foreclosure. However, there are steps and programs out there in existence to help you stay current with your payments. Your home loan is one of the biggest investments you will ever make. Because of this, your mortgage payment is going to be amongst the highest of your monthly expenses. The best advice we can give to prospective and even current borrowers is to plan ahead by making sure that you have your own financial safety net. This is one of the things that lenders will check for before granting you a home loan. Don’t deplete that savings account just because you got approved for your loan. You never know when it might come in handy.

Other Payment Articles

http://www.dailyfinance.com/2015/06/11/what-happens-when-you-miss-house-car-payments/
http://homeguides.sfgate.com/pay-mortgage-payment-late-affecting-credit-score-9665.html

What is Mortgage Escrow?

When you begin your new mortgage, you’re likely to hear about escrow accounts, homeowner’s insurance premiums and property taxes, but did you know that they can be some of the most difficult portions of loan servicing? To prevent complications down the road and make payment simpler for new homeowners, escrow accounts are often required by loan providers to cover insurance premiums and tax costs for your new property. These accounts are in place to hold your estimated monthly dues until their annual collection, and the additional monthly expenses are typically added to your mortgage payment for a simple, one payment solution to the costs of your property. While it sounds simple, complications can arise as a result of fluctuating costs and misguided estimates, so knowing the ins-and-outs of escrow calculation is a necessity of any successful mortgage. Let’s take a closer look at the individual portions that amount to your escrow account, as well as possible pitfalls to keep in mind while searching for your dream home.

Mortgage Escrow Account Benefits

The first portion of your escrow fund is meant to cover property tax costs, which are due once per year and can change depending on the assessed value of your home.

Property tax payments are based on the assessed value of your new home. Since a new value assessment is typically performed a year after a home is purchased or constructed, an updated appraisal could lead to a major boost in regard to your tax obligations. Discovering the true costs associated with property taxes can be difficult, and, depending on the time of year in which you purchase your new home, the costs could put a major dent into your down payment and relocating funds. While an escrow account estimates costs to make the transition easier, be mindful of the upcoming reappraisal to avoid a shock when entering your second year of homeownership. Contacting the county property appraiser and tax collector could be a worthy endeavor to get a better estimate of the tax bills which your new home will present in the upcoming future.

With property tax values fluctuating based on home value, escrow account estimations can sometimes leave homeowners with additional funds due when tax time rolls around.

Many new homebuyers overlook the specifics of escrow accounts, which can present issues regarding annual tax bills, according to The Street. For example, if your new home appraisal calls for a $200 monthly boost to your mortgage payments, your monthly installments could see an even larger jump. Since payments are estimated for the year, you’ll also have costs for the current year to consider. Suddenly, your escrow account needs are raised $400 per month, and your housing budget is stretched to its limit. While savings or deferment options could help you cover the costs more effectively, it is vital to consider the importance of property tax assessments on escrow accounts when deciding upon a housing budget.

Homeowner’s insurance premiums are also covered in annual payments, so the estimated costs are collected and placed into your escrow account each month to keep your property insured against catastrophe.

Insurance premiums are the other portion of your escrow account. Luckily, those costs are more easily estimated in most cases. Depending on the location of your new property, additional policies could be required to cover natural disasters including hurricanes, earthquakes and flooding, so check with your lender and real estate professional when determining a proper budget for your housing search. Similar to property tax increases, however, a boost in insurance premiums can lead to premium increases for multiple years being due simultaneously. Careful planning and adequate savings are necessary to prepare for enlarged payment obligations regarding your mortgage.

Foregoing a Mortgage Escrow Account

If you prefer to avoid escrow accounts and have a dedication to savings, mortgages without escrow accounts could net you a financial gain through safe investment throughout the year.

According to BankRate, avoiding escrow accounts and investing your annual payments can be a worthwhile option for some additional income. While the same risks of premium increases are present, saving the money while investing in low-risk money market accounts and certificates of deposit can provide a noticeable increase in funds if your dedication to monthly saving is maintained. Just remember, by forgoing an escrow account, the responsibility for property tax payments and homeowner’s insurance premiums is in your hands, which can be a bit of an inconvenience when separate tax bills must be paid individually. To find out more about escrow accounts, depend on the knowledge of your real estate professional and mortgage lender to find the perfect scenario for your needs.

More about the author:

Cleo D. is a writer whose interests include homes for sale in Georgetown and the Austin area, stock market trends and snowboarding.

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