Susan Hilton College Station Real Estate

Realtor & Vice President of Sales of Bryan College Station Real Estate

Wife, Mother, REO Team Leader & Sales Manager for the BEST REAL ESTATE AGENTS in Bryan/College Station! Century 21 Beal, Inc. continues to provide the highest quality training and service in the Brazos Valley and it is an honor to be affiliated with this company!

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Susan Hilton College Station Real Estate

Realtor & Vice President of Sales of Bryan College Station Real Estate

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Possible Remedies on Brazos County Property Taxes

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Property taxes are determined by a percentage of your property value. Majority of people pay their Brazos County property taxes annually without having a second thought as to how the amount due was decided. And most people pay it through their mortgage company in their monthly mortgage payments.  Your property value is decided through the local tax assessor’s office so GET INVOLVED!

When you find yourself dissatisfied with the appraised value assigned to your property, you can make an appeal to your appraisal district regarding the remedies available to you. It is the task of the Texas Comptroller of Public Accounts to publish an explanation of the remedies available to taxpayers and procedures that must be followed in seeking remedial action. The Comptroller should also include guidance on preparing and presenting a protest.

Futhermore, the legislature furnishes copies of this document and are made readily available to taxpayers free of charge. The chief appraiser of an appraisal district may give a copy of the Notice of Appraised Value mailed to property owners explaining the time and procedures used in protesting the value of their property. The chief appraiser must provide another copy to property owners that initiate protests.

In the event that the appraisal district appraises your property at a higher amount in comparison to the prior year, state law requires the appraisal district to send a notice by May 1, or by April 1 if your property is a residential homestead. The notice of protest is  said to be sufficient if this identifies (1) the protesting individual claiming an ownership interest in the property, (2) the property that is the subject of the protest, and (3) dissatisfaction with the decision of the appraisal district.

The value of your property could be protested in accordance with the following: Read the rest of this entry »

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Foreclosure Financing for Fannie Mae Properties in Brazos County

homepathFannie Mae foreclosures in the Brazos County become available for sale under a First Look Program which is designed to put homeowners in the home to help stabilize neighborhoods and so that homeowners do not have to compete with investors.   During the First Look Marketing Period a property can only be sold to a qualified buyer. The First Look Marketing Period is 15 days after Read the rest of this entry »

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Credit Scores And How They Affect YOU

credit score

What is a Credit Score?

Who decides what your Credit Score is?

How does the score affect YOU with your Home Mortgage?

How do you improve your Credit Score?

Who do You ask for help with your Credit Score if you are wanting to purchase real estate in Bryan College Station?

What is a Credit Score?

Your Credit Score is a number, up to 850 that lenders, insurance companies, banks and employers use to determine your “worthiness”, willingness to pay, past stability and ability to repay a loan. Your Credit Score is one of the most important things Read the rest of this entry »

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Why Did Fannie Mae Fail?

With all that is going on in the mortgage and banking world right now, don’t you wonder WHY? Why did this mess begin? What started it? Didn’t anyone see it coming?

Yes – someone saw it coming. The New York Times actually reported it coming back on September 30th in 1999. How many years ago is that? Maybe it was while Clinton was President, not George Bush….

In 1999 Steven Holmes from the New York Times wrote that Fannie Mae was under extreme pressure from the Clinton Administration to expand mortgage loans to low and moderate income people. In doing this “Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times…. but may run into trouble in an exonomic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980’s”. 

Do you remember the 80’s when WE bailed out the savings and loan industry? Often times we forget our past, our history and with that we repeat it over and over. Bailout – something new? NO WAY! We do it over and over and over. As much as I disliked my history courses in school and as much as my husband will razz me over saying this….

Maybe we should pay more attention to our past so we do not continue to repeat it but instead make better choices for our future.

 

Susan Hilton

Susan Hilton – Realtor & Sales Trainer for Century 21 Beal

Want to Search the Bryan/College Station Real Estate MLS? CLICK HERE!!!

 

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Debbie Davis is FAMOUS throughout Texas!

Have you heard our own local mortgage broker, Debbie Davis on the radio? If not you should!

Debbie Davis

Debbie Davis

Not only does Debbie host a show on Sunday afternoons in Bryan College Station, Debbie has a show each morning in Dallas!

Debbie continues to expand her market with straight talk about money, politics, real estate and life.  Her conservative politics, belief in personal responsibility and humor makes her show one listeners tune into over and over.

Debbie Davis continues to take loan applications and run Dexter Mortgage while taking care of her two beautiful children, husband, and 2 radio shows. How can she do it? Who knows but she does! And she does it well!

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