Make Color Livable

Great insight on choosing the right color for your home

http://www.bhg.com/decorating/color/colors/choosing-colors-you-can-live-with/?sssdmh=dm17.723735&esrc=nwdc021914taa

Katy, TX Cabin Fever

Got Cabin Fever? Ive got the perfect article to help you through it!

Follow this link Below..Enjoy!!

http://article.yourhomeandlifestyle.com/pages/article/YHL_JAN_14_01/40828/index.html

Headboards

CLICK this link to learn how to spice up your bedroom decor

Changing your headboards

http://www.houzz.com/ideabooks/8427463/list?utm_source=Houzz&utm_campaign=u253&utm_medium=email&utm_content=gallery14

Changing it up

Ladies heres a good way to learn how to add some pizzaz to your home.

http://article.yourhomeandlifestyle.com/pages/article/YHL_FEB_13_02/40828/index.html

Home Design

Katy, TX homeowners are ahead of the curve when it come to decorating. This sleek kitchen is simple and elegant. Follow Cathy Manuel Homes Blog for your decorating ideas for Katy and the Houston area.

http://www.houzz.com/photos/140485/_trid=Y2F0aHltYW51ZWw7bGF1cmVuY2F0am9uZXNAaG90bWFpbC5jb20g/2010-HHL---Kitchen-contemporary-kitchen-other-metro

For the men out there

http://www.houzz.com/ideabooks/6410783/list?utm_source=Houzz&utm_campaign=u218&utm_medium=email&utm_content=gallery3

Things not to do when applying for a mortgage

Open or Applying for New Credit

DO NOT APPLY FOR NEW CREDIT!!! Once you have applied for a mortgage, do not apply for or open any new credit. This is for two reasons. Once you are pre-approved for your mortgage it is based on the payments you have. So if you go and finance a new TV, that payment may get your loan denied.

The other issue is that there is a new Mortgage Rule and your credit report is pulled again right before closing. This new report is to see if you have opened or applied for any new credit. if you have, then the mortgage professional(me!!) must document the new credit account and what the balance is, etc. This can delay your loan or like mentioned before deny your loan. Applying for credit is just as bad, so if you apply but don't open the account it's the same. Hold off on buying that new TV until after you close on your mortgage.

Write Off's On Your Tax Returns

We all want the Biggest Tax Return possible. But those write off's can affect you getting a mortgage. If you are self employed or get a 1099 at the end of the year, your income is decided by your gross income minuses your write off ( some expenses aren't deducted, like depreciation). So if you made $100k but wrote off $40k, then your income is really $60k. Make sure when getting approved you know your income from your tax returns. And if you are self employed make sure your mortgage professional (still me!!) has copies of your tax returns, that way they pre-approve you based on your true income.

Write Off's can still be a problem even if you get paid a W2 aka a salary. If you write off a lot of "Unreimbursed Expenses", these deductions are subtracted from your income. Again causing you to show that you make less money.

Moving Money

Do not move your money when applying for or doing your mortgage. On every loan we need your bank and retirement statements for the last 60 days. So any time you move money we have to document it. If we can not prove where it came from, then this could also get your mortgage denied. This also goes for any large deposits. Let's say you sell your motorcycle and get cash for it and just deposited that money. That's a problem, we have to document where any large deposits came from. In this example, the title, bill of sale, etc would work.

Changing Jobs

Once you are pre-approved, try not to switch jobs. Even thou you were pre-approved, you will want to make sure you are approved with this new job. Many lenders will not approve you until you have a paystub from your new job. Well this could take 1-4 weeks. I just need a paystub from your new job by the time we close on your loan.

Make sure when you are getting a mortgage you do your homework. And make sure you are working with a trusted mortgage individual. Don't make mistakes that will get your mortgage Denied.

Link to this article: http://actvra.in/7lD