- Use a Solid Core or Metal Door for all exterior doors or entry doors. Also, make sure that these doors have the following: heavy-duty deadbolts with a one inch throw bolt, heavy-duty knob-in-lock sets with dead latch mechanisms, heavy-duty strike plate with four, 3 inch screws to ensure that it is properly secured into the door-frame, wide angle 160 degree peephole mounted no higher than 58 inches.
- Ensure that all sliding glass doors have secure locks and a secondary blocking device. Make sure they open properly and are properly secured to the frame.
- Do not leave windows unlocked at any time. Always make sure that your windows are kept down and locked. Since windows don't use locks, use a stick or dowel as a secondary blocking device on your window as well. When keeping a window open for ventilation, keep it open no more than 6 inches and make sure that the blocking device is in place. Don't leave windows open that are close enough to a door for an intruder to unlock using your open window.
- Don't hide keys outside your home. Find a trusted neighbor to keep a key for you. Be a trusted neighbor as well. Sometimes a watchful or nosy neighbor might just be what keeps burglars away.
- When on vacation, have someone pick up newspapers, mail and fliers and ask a neighbor to park their car in your driveway once or twice. Use light timers inside so that the lights go on and off randomly.
- Use plenty of outdoor lighting on pathways and near doors and windows. Make sure that lights have 100 foot of visibility and are motion activated.
- Have an alarm system installed and monitored. Use stickers and lawn signs around your home as well.
- In case you do have a burglary, keep your valuable and electronics well inventoried. Take pictures or videos and make sure you write down or show the serial number of these items. Update your inventory regularly and keep a copy of this inventory in location off sight such as a safety deposit box.
Thursday, December 31, 2009
Keep Your Home Safe
Tuesday, December 22, 2009
FHA making more changes?
Understand that at this point, it is just a proposal, however, I do believe that some of these changes will transpire.
Reduce seller concessions to 3% (now at 6%)
Raise the minimum FICO score
Increase the minimum down payment
Increase to the upfront mortgage insurance premium
Require lender’s to have more “skin in the game” holding them more financially accountable for their origination quality.
For more questions contact me
Karen Heston, Mortgage Banker
Bank of Oklahoma, NA
7060 S Yale, Suite 100
Tulsa OK, 74136
918.488.7353 \ Phone
918-280.3390 \ Fax
kheston@bokf.com \ Email
Wednesday, December 16, 2009
Your Rights During a Move!
Although moving companies are not required to provide an estimate, you may ask for one. If you request a binding estimate, and the mover is willing to provide one, they has the right to charge you for a detailed estimate. A binding estimate must clearly describe all moving, shipping and other services provided. With a binding estimate, you are not required to pay more than the amount on the estimate, however, should anything change or need to be added, that is not clearly on the estimate, the charges may change. To ensure that the binding estimate is effective, it must be in writing and a copy must have been available to you before you move.
Every mover is required by law to prepare a bill of lading for any shipment it transports. The bill of lading is the contract between you and the mover. The information that is listed on the bill of lading is required to be the same as that on the order for service, which is required as well. You must be provided with a copy of the bill of lading before the mover loads your furniture. You have the responsibility to read the bill of lading before you accept it.
As a customer, if the moving company doesn’t write an inventory of everything in the shipment, you should do one yourself. As part of the inventory, list the condition of all items. Companies that create an inventory will usually ask you to sign each page to ensure that everything is correct. If you disagree with anything, make a note on the inventory and initial it. You should receive a copy of this inventory. At the time of delivery, check the inventory to verify that everything was delivered in the same condition in which it was picked up.
Moving companies are required to assume liability for the value of any goods that they transport. There are, however, different levels of liability. Make sure you are aware of these levels and the cost for each one.
For more information or for an estimate for residential or commercial moving services in the Tulsa, OK area, contact Mike Ellingson or Mike Steinberg at Relocation LLC at 918-459-6683 or www.relocationllc.net.
Monday, December 14, 2009
Insurance Claims
For more information about filing insurance claims or for an estimate for insurance coverage contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.
If you have had fire, water or smoke damage to your Tulsa, OK. area property, contact Roger Fisher of PCC Cleaning and Restoration at 918-641-1111 or www.pcccr.com.
For legal advice on insurance claims, contact Paul Boudreaux of Richardson, Richardson, Boudreaux at 918-492-7674 or www.richardsonlawfirmpc.com.
Sunday, December 13, 2009
Protect Your Home Value During Tough Economic Times
- Mow your yard.
- Mow your neighbor's yard.
- Keep your house painted.
- Support your homeowner's association. This is not the time to be quibbling over inconsequential matters.
- Watch your entry to the neighborhood. Keep it well maintained.
- Exterior matters most- many owners will be facing difficulty finding the funds to maintain their home as they have in the past. Don't put home maintenance issues off or you might find a bigger problem with a bigger bill later. Hire home professionals if necessary.
- Don't flood the market if you are not a necessary seller. Your presence as a home for sale (if it competes with another house in the neighborhood) could cause a seller who is desperate to sell to become more desperate and drop their price further to compete.
- Variety of selection is important.
- Talk up the neighborhood! What you say to your friends is as important as any house advertisement.
- Never say "They will never get that!" to anyone...EVER! You should HOPE AND PRAY they DO!
For estimates for residential repairs in the Tulsa, Oklahoma area, contact Jonathon Knapp of Residential Repair Inc at 918-621-1020 or www.residentialrepairinc.com.
To check your Tulsa, Oklahoma home for termite damage or wood rot, contact Duane Montgomery of Montgomery Exterminating at 918-438-4885 or www.montgomeryexterminating.com.
Friday, December 11, 2009
New Info on Buyer Tax Credit!
The IRS has also clarified the guidelines for co-borrowers seeking the tax credit. For more information about taking advantage of the buyer's tax credit in the Tulsa, OK. area, contact Steve Currington, Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com.
To buy or sell property in the Tulsa, OK. area contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.
Monday, December 7, 2009
The Toliver Trio to be featured TONIGHT!!!!
Monday, November 30, 2009
Too Much Stuff!
- Does this item add positive value to my life or does it make me feel bad?
- Does this item have sentimental value? Is it a family heirloom?
- Have I used this item or worn these clothes in the last year?
If the item is in the keep pile consider storing it. Larger items or items that you decide to keep but still don’t have room for can be put into storage. Remember to think about insurance coverage and special needs for certain items, such as temperature, parking, etc.
If you are getting rid of the item, follow these basic rules to categorize that “stuff”!
- Throw it away if it is torn, ripped, broken, or stained.
- Sell it if it is something that you think someone else would buy or could imagine someone else using. These items can be sold in a garage sale, consignment store, or even online.
- Donate items that are in good shape and would be helpful to others. Places like Salvation Army and Goodwill take many donations and pick up in certain areas. Also remember that some items like children’s toys, book and videos can be donated to children’s hospitals and other organizations with needy or sick children. Be creative and check around. There are many worthwhile places to donate good used items.
For information on storage facilities, rental costs, and other storage tips call Mike Steinberg, Relocation LLC at 918-459-6683 or www.relocationllc.net.
For all your real estate needs in the Tulsa, OK. area contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.
Sunday, November 29, 2009
New Luxury Real Estate Investors!
For more information on the Tulsa, Oklahoma area Luxury Real Estate Market, contact the Tulsa Luxury Property Group of McGraw Realtors at www.tulsaluxurypropertygroup.com.
Saturday, November 28, 2009
Things to Consider When Building a Home!
- Location- Work with your Realtor when purchasing land and building your home to make sure that the location you desire will fit your budget as well as the style and size you want in your home. Don't find out after purchasing that you can't do what you want or that the market will not handle your specific plans.
- Building- Select your builder carefully! Ask for recommendations from your Realtor, after all they work with builders everyday. Ask builders for referrals and contact them. Ask plenty of questions and don't be afraid to get more than one quote!
- Products- Once you have purchased land, selected a builder, and begun the building process, there will be many products to choose. Ask about your options and shop around in advance to make sure you get what you want at the price you want. When selecting roofing products and styles- keep in mind your budget, style of home, and the weather in your area. Remember that by adding ridge vents or using certain materials you can decrease your energy costs.
- Mortgage Options- Check with your mortgage banker to find out what mortgage options are available to you. For example, can you qualify for a VA or Rural Home Loan? Also, make sure you know your budget and how much down-payment you have. If you have less than 20% to put down, ask about loans that require less down-payment!
Home-Building in Tulsa, Oklahoma- Rick Oberlender of US Building Systems at 918-734-1293 or usbs@att.net.
Tulsa, OK Mortgages- Steve Currington, Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com.
Roofing in the Tulsa, OK. Area- Jonathon Knapp, Royal Roofing, at 918-398-6500 or www.royalroofingllc.com.
Friday, November 27, 2009
What is Special About Bank of Oklahoma Mortgage
Other great features
In-house underwriting and processing, we service our loans, and we have a proven and stable history!
Karen Heston
Bank of Okhaoma Mortgage
918-488-7353 (direct)
800-947-2655 (toll free)
A-Best Roofing Expands into OKC!
For a list of home maintenance professionals visit www.tulsahomemaintenance.com.
Wednesday, November 25, 2009
The Top Questions You Should Ask Your Mortgage Banker!
Most home buyer's have questions about their mortgage and the mortgage process. It is easy to get overwhelmed with the process so keep this list handy to get you started:
- How much down-payment do I need to buy a house? If you are a Veteran or buying in a rural area you can get 100% financing. The seller is also allowed to pay your closing costs. If you are Native American you may be eligible for a Hud 184 loan. This loan requires as low as a 1.25% down-payment, depending on the loan amount. For an FHA loan, you must put down 3.5%, for Conventional a 5% down-payment is required, and Investment loans require a 20% down-payment.
- What are Points/Origination Fees? Points and Origination Fees are additional fees paid at closing to lower your interest rate. 1 point is equal to $1000.
- How do I find out exactly what my closing costs, fees, and other items are when I am comparing mortgage companies and rates? Ask for a Good Faith Estimate. Look at fee lines 800-900. Compare the rate, points/origination fees, and other items within that range.
- What constitutes a rural development loan? A rural development loan is all based on the population of an area. Owasso and Glenpool, for example, are still rural and are eligible for a rural development loan. USDA Rural Development website can give you more information about any areas you are interested in.
- How do Mortgage Bankers get paid? Generally, it is based on a commission calculated from the volume produced. The more produced, the higher percentage.
For real estate questions and all your real estate needs, contact Darryl Baskin, McGraw Realtors at 918-259-2600 or www.darrylbaskin.com.
Tuesday, November 24, 2009
Mold! What Do I Do?
- Make sure that you inform your landlord or employer about the problem. Remember to keep proof that your landlord or employer received the information. Many times, your landlord or employer might not be aware of the problem, which can often be repaired at little cost. Make sure that you give them plenty of time to repair the problem as well. As the property owner, your insurance policy might cover the repairs. Contact your insurance agent to find out.
- Finally, if you suspect health problems as a result of the mold, see your physician. Don’t let health problems linger and potentially get worse.
For more information about when it is appropriate to sue over mold in your home or place of employment, contact Chuck Richardson, Richardson Law Firm at 918-633-5070 or www.richardsonlawfirmpc.com.
To discuss cleaning, preventing, and repairing mold, contact Roger Fisher with PCC Cleaning and Restoration at 918-641-1111, pccc@sbcglobal.net or visit their website www.pcccr.com.
To discuss insurance coverage of mold damage in Oklahoma, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.
For all your Tulsa, Oklahoma area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.
Monday, November 23, 2009
Improve Your Home or Move?
Right now, during these difficult economic times, many homeowners are choosing to improve their home rather than move. By doing so, when the economy changes they will have increased the value of their home and will be able to sell it at that point. There are many ways to improve your home and add value, including: repairing and replacing your roof, repainting the interior and exterior of your home, installing energy efficient products, providing curb appeal through landscaping, upgrading fixtures, and doing basic maintenance and pest control.
- Repairing or Replacing Your Roof- Make sure that you keep your roof in good repair and when needed, replace it. Check with your roofing professional to see if you need a new roof, have venting problems, have loose shingles, or have any other roofing issues that are in need of repair.
- Repainting- repainting your home not only helps maintain the property but it is also appealing to buyers when you decide to sell. Keep neutral colors in mind, however, so that it will be appealing to a large number of buyers.
- Installing Energy Efficient Products- replace old windows, appliances, hot water heaters, and heating and a/c units with newer energy star rated ones. This will help decrease your energy bills and will be attractive to buyers.
- Providing Curb Appeal through Landscaping- make sure that your landscaping is attractive to buyers. An attractive exterior can help ensure that buyers will at least take a peak inside. Also remember to provide landscaping that will look good in every season.
- Upgrading Fixtures- this is an easy and often inexpensive way to improve your home. Replace doorknobs, cabinet pulls, light fixtures, and plumbing fixtures for newer ones.
- Doing Basic Maintenance and Pest Control- this is one of the best ways to improve your property and prevent buyers from walking out the door. Many buyers simply don't want a "fixer upper" or problems with pests. They want it move in ready. Simple home maintenance and pest control will keep buyers interested and will help prevent more expensive repairs later.
- For information on how to improve your home by repairing or replacing your roof, contact Judy Smith of Abest Roofing at 918-587-1426 or www.abestroofing.com.
- For information on pest control in the Tulsa, Oklahoma area contact Duane Montgomery, Montgomery Exterminating at 918-438-4885 or www.montgomeryexterminating.com.
- To have a estimate on property repairs contact Jonathon Knapp of Residential Repairs at 918-621-1020 or www.residentialrepairinc.com.
- For heating and air conditioning repair and replacement contact Stephen Taylor at Air Assurance at 918-258-HEAT or www.airassurance.com.
- For information on how to improve your home or on buying or selling a home contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.
Wednesday, November 18, 2009
Buy Now or Wait for Lower Rates?
To discuss current mortgage rates and information contact Steve Currington of Currington Mortgage at 918-810-0092 or www.curringtonmortgage.com.
To buy a home in the Tulsa, Oklahoma area, contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.
Monday, November 16, 2009
Preparing Your Landscaping For Cold Weather
- Prune- it is helpful to prune some varieties of plants during the Fall and Winter months.
- Plant- check out plant and vegetable varieties that can be planted during the cold months.
- Mulch- remember to keep about 3 inches of mulch on your flowerbeds all year long. Mulch can help keep the roots warm and hold in moisture.
- Container Plants- don't forget container plants. Some work well inside during cold weather and some can re-grow simply by taking a cutting of the plant.
To find out how to prepare your home for sale and for all your real estate needs in the Tulsa, Ok. area, contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.
Saturday, November 14, 2009
Petition to Partition
If you have questions regarding a Petition to Partition or other legal issues, contact David Keesling with Richardson, Richardson, Boudreaux at 492-7674 or www.rrblawok.com.
For all your Tulsa, OK. area real estate needs contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.
Wednesday, November 11, 2009
Homebuyer's Tax Credit Extended
For your Tulsa, OK. area real estate needs, contact The Baskin Real Estate Specialists at 918-258-2600 or www.darrylbaskin.com.
Tuesday, November 10, 2009
Tuesday, November 3, 2009
Why Do I Need a Survey When I Build a New Home or Addition?
For more information on land surveys, titles, and the closing process, contact JJ Pierce at Closings of Tulsa at 918-493-2241 or www.closingsoftulsa.com.
If you are interested in building a new home or addition, contact Bruce Gardner of Gardner Construction at 918-481-1377 or gcc1946@aol.com.
For real estate needs in the Tulsa, Oklahoma area contact Darryl Baskin, McGraw Realtors, at 918-258-2600 or www.darrylbaskin.com.
Friday, October 30, 2009
New Law Affecting Your Move
For all your Tulsa, Oklahoma area real estate needs, contact The Baskin Real Estate Specialists of McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.
Wednesday, October 28, 2009
Incorporating Green Ideas into Your Home
- When building a new home, face the widest part of the building to the north or the south.
- Place doors and windows where you will receive good cross-ventilation.
- Ensure any attic space is well ventilated by using roof ridge vents, lighter colored roofing materials, lots of insulation, and by placing A/C ducts in the attic to absorb the heat.
- Install an energy-efficient and properly sized heating and A/C system, make sure that duct work is correctly sealed, and use a programmable thermostat.
- Utilize landscaping materials, plants and design that are appropriate for the climate and rainfall levels in your area.
- Use low-flow toilets and shower heads and energy-efficient appliances.
- Recyclable and renewable materials can be used for decking, siding, trim and more.
- Choose green flooring materials such as concrete, bamboo, or recycled wood.
- Replace your air-conditioning filter regularly to enhance the performance of your air conditioning system and to reduce pollutants.
Land Conservation and Reuse Studies: DREI Group, Dennis Blind at 918-812-2339, dennis@dreigroup.com, or www.dreigroup.com.
Roofing: Royal Roofing, Johnathon Knapp at 918-398-6500 or www.royalroofingllc.com.
Landscaping Design: Bluum Outdoor, Nathan at 918-599-8500, Nathan@bluum.net, or www.bluum.net.
Heating and Air Conditioning: Air Assurance, Stephen Taylor at staylor@airassurance.com.
Building and Remodeling: US Building Systems, Rick Oberlender at usbs@att.net.
Air Conditioning Filters: Filter 4 Me, Rick Butefish at 918-292-8600, rick@filters4me.com, or www.filters4me.com.
Flooring Products: ProSource Wholesale Floorcoverings, Jim Ecrette at 918-252-7711 or prosourcejim@tulsacoxmail.com (make sure you ask for Darryl Baskin's preferred pricing).
To find energy-efficient, eco-friendly, or green properties in the Tulsa, Oklahoma area contact Darryl Baskin, McGraw realtors at 918-258-2600 or www.darrylbaskin.com.
Friday, October 23, 2009
Do I repair, refinish, or replace my hardwood floor?
- Buckling is usually caused when the flooring is not given proper time to acclimate, moisture testing is not done correctly, or it is not given proper room to expand.
- Creaking or squishy floors can be caused by incorrect floor preparation on both a concrete slab and a wood subfloor.
- Fading and color changes can occur simply due to exposure to light over time or from failing to install from different cartons. Since cartons of hardwood flooring can come from different lots it is important for the installer to use several different cartons at a time when installing the flooring in each area.
- Visible and Invisible defects can occur when using a poor quality hardwood floor. Although it can also occur with even the best of hardwood products, it is less likely when good quality hardwood products and good hardwood flooring installers and repair professionals are chosen.
To ensure that your hardwood floor looks beautiful for years to come, select a good quality floor, have it installed properly, and make sure all repairs are done correctly. For new hardwood flooring options, call Jim Ecrette of ProSource Flooring at 918-252-7711 or www.prosourcefloors.com/tulsa and ask for Darryl Baskin's Contractors Rate. For repair and installation of hardwood flooring in the Tulsa area, call Jonathon Knapp of Residential Repair, Inc. at 918-621-1020 or www.residentialrepairinc.com.
Tuesday, October 20, 2009
Signals You May Have Roof Damage
1. Leaking in the attic after wind-driven rain or ice build-up.
2. Blistering or peeling interior or exterior paint.
3. Stains on interior ceilings or walls.
4. Mold or mildew growth.
5. Decaying roof shingles, sheathing, or siding.
6. Missing, cracked or curled shingles.
7. Dark looking areas on your roof.
8. Excessive energy costs.
For more information on roofing danger signals or to have your home inspected and receive an estimate for repairs contact Judy Smith of A-Best Roofing at 918-587-1426, email her at judysmith@abestroofing.com, or visit their website at www.abestroofing.com.
For your real estate needs in the Tulsa, Oklahoma area, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.
Monday, October 19, 2009
Tulsa Historical Society
Sunday, October 25th
3:00PM to 6:00PM
Confessions of a Pioneer Woman
Lecture and Book Signing by Ree Drummond
Tuesday, October 27th
7:00PM
For more information on these FREE events visit their website or their facebook event page.
Autumn Pests
- Looking for and repairing interior and exterior cracks and crevices where pests can enter
- Having professionals exterminate your property now to prevent further problems in the Spring
For help with all your real estate needs in the Tulsa, Oklahoma area call Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.
Thursday, October 15, 2009
Tips for a Smooth Closing
For more information on the closing process or if you are in need of closing services, contact JJ Pierce, Closings of Tulsa, 918-493-2241.
For all your mortgage needs, contact Karen Heston, Bank of Oklahoma, 918-488-7353 or kheston@bokf.com.
For all your Tulsa, Oklahoma area real estate needs, contact, Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.
Tuesday, October 13, 2009
Condominium Insurance
For more information about condo insurance, renters insurance or another type of insurance, contact Mike Tedford, Tedford Insurance, 918-299-2345, or www.tedfordinsurance.com.
For all your Tulsa, Oklahoma area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.
Monday, October 12, 2009
Fire Damage
The experts at PCC Cleaning and Restoration can help with fire and water restoration and even mold damage. For more information on fire and water restoration, mold damage, or helpful tips after this type of damage to your property call Roger Fisher at 918-641-1111 or visit their website at http://www.pcccr.com.
For all your Tulsa, Oklahoma area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.
Saturday, October 10, 2009
Moving with Pets
For more moving tips or questions or to get a quote for your move, contact Mike Ellingson at 918-459-6683 or visit http://www.relocationllc.net/Default.aspx.
For all your real estate needs in the Tulsa, Oklahoma area contact Darryl Baskin, McGraw Realtors, 918-258-2600 or http://www.darrylbaskin.com.
River Rush
Friday, October 9, 2009
Pre-Nuptial Agreements
To discuss a pre-nuptial agreement or other legal issues, contact Richardson Law Firm, at 918-492-7674 or www.richardsonlawfirmpc.com.
For all your real estate needs in the Tulsa, Oklahoma area, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.
Tuesday, October 6, 2009
Downtown Tulsa, OK residential development incentives
The City of Tulsa invites proposals for residential development within downtown Tulsa. Remaining Vision 2025 sales tax funds for eligible housing projects are now available for allocation. Proposals will be received by the City of Tulsa, City Hall at One Technology Center, 175 East 2nd Street, City Clerk, Tulsa, OK 74120. The deadline for submitting proposals is 5:00 p.m., C.D.T., Tuesday, November 3, 2009.
The details of the Request for Proposals are presented within a document, which can be accessed at http://www.cityoftulsa.org/media/34902/downtown%20rfp%20-%20updatedrfp2009v5%20_2_.pdf
Questions regarding this request should be submitted in writing via email to the following: jminer@cityoftulsa.org. |
Ray Meldrum Tulsa Development Authority - rmeldrum@tulsarealtors.com |
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Wednesday, September 23, 2009
Friday, September 18, 2009
New Listing!
New Listing: 7843 S. 69 E. Ave. Tulsa, Oklahoma. Union Schools. 4 bedrooms, 2.5 baths, 2 car garage, 2 living areas, 2302 square feet, inground Pool, $183,000. Contact Darryl Baskin, McGraw Realtors, 918-258-2600 or http://www.darrylbaskin.com.
Friday, August 7, 2009
Congressman John Sullivan Describes Obamacare
Congressman Sullivan meets with constituents at the Summit Club in Tulsa, OK to bring an update on Congressional bills and helth care.
The Obama administration has appointed 44 Czars whereas Clinton, Bush I and II, and Reagan averaged three and four czars during their terms. Sullivan spoke in support of natural gas as a fuel source stating that the United States has a 120 year supply of natural gas.
Another topic of discussion was the Fair Tax. Sullivan was an original co-sponsor of the Fair Tax bill. He expects the next 5-10 years will possibly produce a substantial change in our tax system. Due, in part, to the enormous grass roots movement for this change.
Wednesday, August 5, 2009
Flooring Discounts
property values at a time when moving is not the best option for
everyone. Local real estate broker, real estate investor, and property
manager, Darryl Baskin, says many homeowners are using the "improve
don't move" philosophy and choosing to remodel their homes instead.
"This is a great time to buy a new home if you're looking to get a
larger home or if you are a first time home buyer, but for some people
moving is not the best option right now." says Baskin. local
retailers are pushing new products and ideas to these property owners
eager for a change in the look and style of their home.
"Green" building options are one of the most popular choices for
remodeling today. A local wholesale outlet, ProSource Flooring
Supply, says contractors are requesting more products that are
natural and considered renewable sources. Space "ProSource has
introduced 59 new styles of hardwood flooring this year alone which
includes a Green Select line of products," Says Jim Ecrette, ProSource
Tulsa manager. These products look good and are better for your
family. Baskin has offered his contractor pricing to many of his
clients and friends and notes a higher demand than in the past.
For more information on www.TulsaHomeCare.com flooring discounts
through Pro Source flooring, contact Jim Ecrette at 918-252-7711
and reference TulsaHomeCare.com pricing.
Tuesday, August 4, 2009
Tulsa Historical Society Upcoming Events
The Sooner Cinema Book Signing and a Screening of the movie Tulsa will
be held Saturday, August 22 at 1 PM. For additional information visit www.tulsahistory.org
.
The Tulsa Hall of Fame recognizes Tulsans who have made outstanding
business, civic, or philanthropic contributions to the Tulsa
community. The event will be held at Southern Hills Country Club on a
Thursday, October 15. Invitations will be mailed September 1
Tickets and sponsorship information are available by calling the
Society at 712 -- 9484 or e-mailing ths@tulsahistory.org.
Tuesday, July 14, 2009
Pearl District to get New Music Venue
in the historic Pearl District of Tulsa. Plans are for seven day a
week operation with live music every night. Operators have previously
had performances in a downtown location.
Monday, June 22, 2009
Junior Achievement Summer Camp Has a Great Start.
participating.
Junior Achievement of Eastern Oklahoma, Inc.
3947 S. 103rd East Ave.
Tulsa, OK 74146
Preparing Students for the Economics of Life
Monday, June 15, 2009
Mabee Center Makeover
Tulsa's Mabee Center arena has a new look which has preserved the modern style and brought the 1960's building to the 2000 era. Additional improvements will be along the concourse where carpet will be replaced by stained concrete finishes.
Photo is from lobby area.
Sunday, June 14, 2009
Tuesday, May 19, 2009
NEW APPRAISAL RULES COME WITH COSTS
By Kenneth R. HarneySaturday, May 16, 2009
How about this scenario the next time you refinance or apply for a new mortgage: The real estate appraisal that used to cost you $325 now costs $450, even though the appraiser doing the work is getting only $175 or $200.
Plus, your appraisal-related charges may now be subject to add-on fees that you have never heard of -- $50 to $100 extra in "no show" penalties if you get stuck in traffic and miss your appointment with the appraiser. Or an extra $50 to $150 if the property is worth more than $500,000.
On top of all this, your mortgage loan officer requires you to pay for the appraisal upfront with a credit or debit card, rather than including the fee with the usual lender origination costs at settlement. In some cases, your card may be charged more than the anticipated cost of the appraisal -- leaving debit-card holders in a potential overdraft situation.
Worse yet, the person conducting your appraisal may be new to the field -- willing to work for a cut rate -- and may not be as familiar with local value trends and pricing adjustments as an appraiser with more experience. If your mortgage application is denied by one lender, you could be forced to pay for a second full appraisal because the new lender may not accept the first one.
That scenario is now reality, according to critics of the new appraisal rules imposed nationwide on May 1 by Fannie Mae and Freddie Mac. Advocates of the rules vigorously deny that the new system is flawed and say any increase in appraisal costs should be manageable for most consumers.
The rules, which go by the name Home Valuation Code of Conduct, are intended to improve the accuracy of appraisals by eliminating pressure on appraisers from loan officers. The code pushes most large lenders to use third-party "appraisal management companies" that contract with networks of independent appraisers around the country who have no direct contact with retail loan officers or mortgage brokers.
Mortgage brokers -- who formerly chose appraisers and kept a competitive eye on appraisal fees -- claim that Fannie's and Freddie's rules are adding 20 percent to 30 percent to consumers' appraisal costs. Jeffrey T. Hawk, vice president of Maryland Mutual Mortgage in Forest Hill, Md., north of Baltimore, said a standard appraisal that previously went for $325 jumped to $400 or more May 1 when he began using management company appraisers.
Some applicants also are balking at handing over credit card information upfront when they're not completely sure what the charge will be. "I lost three clients the first week" because of the credit card requirement, Hawk said.
Buddy McCombs, senior vice president of EverBank, a Jacksonville, Fla., lender that buys loans originated by Hawk's firm and now contracts with management companies for appraisals, conceded "there's probably a little increased cost" with the new system, "but I don't think it's devastating."
"What's terrible is what's happening to [long-established] appraisers who won't work for the low fees," said James Facchini of American Pacific Appraisal in Sacramento. "On May 1, I lost almost my entire customer base" -- mortgage brokers who now can't pick up a phone and order an appraisal from him.
Instead Facchini and other appraisers either have to sign up with management companies or find other employment. What "really bothers me is that the consumer has no idea what's going on," Facchini said. After he signed up with one management company, he said, two borrowers commented to him after he finished his appraisal, "Wow, you really charge a lot."
They were each being hit with $550 appraisal fees, while he was getting just $250 through the management company. As he sees it, that leaves $300 of "slush" somewhere in the process -- some going to the management company, but the rest probably "flowing to the lender for doing absolutely nothing."
Rich Kuegler, a vice president at MDA Lending Solutions, a national appraisal management company, said payments to firms such as his are compensation for creating, managing and reviewing a network of thousands of appraisers -- MDA has 9,000 under contract across the country -- and for the "processing and administrative" costs that have been taken off the backs of brokers and lenders.
As to appraisers' complaints about fees, Kuegler said, "we offer the ability to have a steady stream of work, training and support." In other words, appraisers can expect to make up in volume what they're sacrificing per assignment. (Kuegler has also invented a 36 hour day, never knew that Lincoln freed the slaves, and his business plan is modeled after southern plantations)
Sunday, May 17, 2009
How Far Will the Government Go?
Story here: http://ping.fm/gRvVm
Sunday, May 10, 2009
Tedford Insurance Joins ExpertTalk
Thursday, May 7, 2009
Friday, May 1, 2009
Great Room with SPECTACULAR VIEW
This home is 3 Bedrooms, 3 Full and 2 Half Bathrooms. It features main level entry, wrap around deck, main level Master Suite with private deck entrance. Huge 2nd Living/Gameroom. Wall of windows. Granite Kitchen opens to Great Room with spectacular view, Safe room, no wasted space. The address is 3438 E 67th street and the price is $350,000. The house is in the Jenks school district but is in the city of Tulsa. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Saturday, April 11, 2009
Great 3 Bedroom Home in Tulsa
3 Bedroom 2 Bathroom with 2nd Living area, large open kitchen with breakfast bar, pantry, laminate wood floor, covered entry & back patio, storage building, flat, curved driveway gives extra space for basketball or cars, kitchen window, looks to driveway and front door. The address is 11517 E 17th Place and the price is $98,000. The house is in the Tulsa school district. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Reduced! HUGE Gameroom!
This 3 Bedroom 2 ½ Bathroom features an Enormous Game room off Kitchen, new HVAC down, separate staircase to Master of use as an Office. FOUR flexible living areas, large lot, recent paint & carpet, garden areas with separate fencing. The address is 6939 S Louisville Avenue and the price is $231,500. The house is in the Jenks school district but is in the city of Tulsa. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Thursday, March 12, 2009
PRICE DROP!
This remodeled 5 bedroom 3.5 bathroom home features: new kitchen, flooring, appliances, granite, light fixtures, cabinetry & furnace '08. Master down with whirlpool tub and back yard view. Buffet and center island with breakfast bar in kitchen. The address is 2924 E 77th Place and the price is $189,000. The house is in the Jenks school district. (www.darrylbaskin.com/jenks ) but is in the city of Tulsa More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Won't last long!
Stunning 4 Bedroom, 3 ½ Bathroom energy efficient home. Handicapped accessible. 1st floor Master Suite/Guest Bedroom with Full Bath, 2 sided Fireplace, Hardwoods, Granite, Stainless Steel Appliances. Game Room, 2 Guest Bedrooms, Full Bath & Storage Room up. Central Vacuum & Much More!! The address is 12117 S Glen Court and the price is $329,900. The house is in the Glenpool school district but is in the city of Jenks. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Great yard for summer BBQ's!
Like new condition! Beautiful 4 bedroom, 2 ½ Bathroom with huge yard! Some features include: Granite, paint, plantation shutters, new carpet 2008, covered patio, whirlpool, new roof Aug 2008, New heat/Air 2008, Jenks Southeast school less than half mile, Covered front porch. The address is 10228 S Evanston Place and the price is $250,000. The house is in the Jenks school district but is in the city of Tulsa. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Friday, March 6, 2009
ONB Bank & Trust Co.
ONB Bank & Trust Co. - A full service commercial bank geared to help people in every way to achieve their dreams! We offer home mortgages, advice, helpful people, and great interest rates for your needs! Many other helpful contractors and professional service providers can be found at Tulsa Home Care. Also listed is feedback from any extraordinary experience our clients have had or comments regarding our professional experiences.
Residential Mortgage Division
Jeff Sargent
918-481-6833 (Office)
918-481-6310 (Fax)
Home in EXCEPTONAL condition!
Colorado Style Home. Features Custom Alder Wood Cabinets, Stainless Steel Appliances, Granite Sink & Kitchen Countertops, Gas Log Fireplace, Safe Room, Central Vacuum, Vaulted Family Room, Living Room, Master Suite & 3 Car Garage. 1 Year AHS Warranty. Exceptional Condition. The address is 12257 S Glen Court and the price is $259,900. The house is in Glenpool school district but is in the city of Jenks. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Stunning one of a kind Country French Classic!!!
5 Bedroom, 3 ½ Bathroom with Decorative Cast Stone Gas Log Fireplace, Hardwoods, Beamed Ceiling, Granite, Custom Kitchen, 4 inch Plantation Shutters, Surround Sound, Outdoor Fireplace & Kitchen Master & 1 Guest Bedroom down. Gated Community & Much More! The address is 4313 E 117th Drive and the price is $542,900. The house is in the Jenks school district but is in the city of Tulsa. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa
Wednesday, February 25, 2009
Six Lots for Sale in Coal Creek Landing, Jenks, OK
Six Lots for Sale in Coal Creek Landing, Jenks, OK. Prices range from $30,000-38,900. New Private Neighborhood with beautifully styled homes. No two homes alike in this subdivision. Build your own custom or bring your own builder. Superb location. Builders welcome!! Some lots can accommodate swimming pools. 2 corner lots. The lots are located at S. Glen Court and are in the Glenpool school district but are in the city of Jenks. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Home in EXCEPTONAL condition!
One of a Kind Beautiful 4 Bedroom, 2 ½ Bathroom Home. New Roof, Safe Room, Vaulted Ceilings, Central Vacuum, Custom Alderwood Cabinets, Stainless Steel Appliances, Granite Counters, Gas Log Fireplace with Blower, Thermal Vinyl Windows, 2 Living Areas and 1 Year AHS Home Warranty. The address is 12257 S Glen Court and the price is $259,900. The house is in Glenpool school district but is in the city of Jenks. More information about this and more real estate for sale in Tulsa, OK can be found at www.darrylbaskin.com/tulsa #
Sunday, February 1, 2009
Area Home Builders offer Buyer Incentives
The Baskin Real Estate Specialists
at McGraw Realtors
918-258-2600 ofc
918-740-0077 cel
918-398-5110 fax
Serving Northeastern Oklahoma since 1989
www.darrylbaskin.com
Speak for a child in court: www.tulsacasa.org