Five Questions You Should Ask Your Tulsa, OK Mortgage Banker.

1. 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 and seller can pay 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 amount of the loan. FHA requires a 3.5% down-payment, Conventional a 5% down-payment, and Investment loans a 20% down-payment.
2. What are Points/Origination Fees? Point and Origination Fees are additional fees paid at closing to lower your interest rate. 1 point is $1000
3. How do I find out exactly what my closing costs, fees, and other things are when I am comparing mortgage companies and their rates? Ask for a Good Faith Estimate. Look at fee lines 800-900. Compare the rate, points/origination fee, and other items within that range.
4. What constitutes a rural developement loan? It is all based on the population or an area. Owasso and Glenpool are still rural and are eligible for a rural development loan. USDA Rural Development website can give you more information about an area you are interested in.
5. How do Mortgage Bankers get paid? My commission is based on the volume I produce. The more I produce the higher percentage I make.

If you have questions about a Tulsa, OK mortgage, contact Karen Heston at BOK Mortgage, 918-230-9432 or visit her website here.

For all your Tulsa, OK real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.

Oklahoma Eco-Friendly Landscaping

I always think about eco-friendly household cleaners, organic produce, and green flooring. Frankly though, I never thought about eco-friendly landscape, here in Oklahoma. Here are a few easy ways to improve your environment through landscaping.

• Reduce energy costs by planting deciduous shade trees. These trees will allow warmth in the winter and help reduce heat in the summer.
• Use evergreen trees to reduce cold wind in the Winter. Evergreens should be planted in an area that will block the wind during cold weather months.
• Add plants that are native to Oklahoma and will work with our weather patterns.
• Plan for irrigation, plants, and garden design that will save water.
• Consider solar powered landscaping lights.

There are many more ways to incorporate eco-friendly landscaping in Tulsa, OK, contact Nathan Vaughn of Bluum Outdoor at 918-599-8500 or www.bluum.net.

For all your Tulsa, OK area real estate needs, contact The Baskin Real Estate Specialists of McGraw Realtors at 918-258-2600 or www.darrylbaskin.com

What Not to Send with Your Tulsa, OK Moving Company!

Packing and moving can be a lengthy and stressful process. Knowing what to pack should be simple, right? Not always! There are some items that should not be packed and sent with a moving company. Hazardous items are actually illegal for movers to transport. The following items should not be sent in the moving van:

• Pant and paint thinners
• Ammunition and firearms
• Gas, Propane, or Oil
• Flammable or Explosive Materials
• Aerosols
• Acetone Products
• Stereo
• Matches
• Valuable items
• Pets

For a complete list of items that you shouldn't send with your moving company or for a quote to move your Tulsa, OK. property, contact Mike Ellingson of Relocation LLC, at 918-455-6683 or www.relocationllc.net.

For all your Tulsa, OK area real estate needs, contact Darryl Baskin of McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.

Tame that Angry Beast!

Buying and selling your Tulsa, OK home can be a very frustrating experience. At times, you might even find yourself so irritated that you feel like you have become an angry beast. Whether your real estate woes have precipitated the anger or simply everyday stresses, read on to help tame that angry beast.

• Write in a journal. When you find yourself getting angry over that seller or buyer that simply won't budge, consider writing in a journal. For some people, this is the perfect way to release the tension and anger without causing harm to your health, your relationships, or yourself.
• Find a stress reliever. Relieving stress can be done in many ways. Some very popular and productive ways include exercising, doing a project, or working around the house. You might find that taking a drive or simply deep breathing works well for you. Experiment, whatever you find that works for you, remember to do it often.

• Take an adult time out. Probably all of us have heard of time out when it comes to kids. but very few of us take a time out ourselves. When you begin to get angry over that real estate problem, take a time out. You may need to take a break from whatever is causing the anger and give yourself a few minutes before you continue with it.
• Change your thinking. Sometimes we make the situation worse because we assume something. If your real estate agent says something that offends you or does something that makes you mad, think the best of them. It is likely that they didn't intend it to come across that way. If you have the courage, ask them about it. It is probably just a misunderstanding.

Remember that anger and stress can bring on a multitude problems including relationship issues, high blood pressure, heart attacks and much more. Before allowing anger over a real estate problem get the best of you, ask yourself if it is worth it.

For all your Tulsa, OK. real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhoward.com.

Home Sales In Tulsa Down, Apartment Rentals Up

Home Sales In Tulsa Down, Apartment Rentals Up

South Tulsa Luxury Homes for Sale!

Some of South Tulsa's Finest Luxury Homes for Sale...

New Construction in Gated Luxury Neighborhood!

12204 South 68th East Avenue
Woodmere Addition in Bixby, Oklahoma
$935,000

5 Bedrooms
4 Full 1 Half Baths
4 Car Garage
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European Designed Home in Gated Community!

6010 East 117th Street
River Oaks Addition in Bixby, Oklahoma
$2,500,000

5 Bedrooms
5 Full 2 Half Bathrooms
4 Car Garage

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Magnificent Gated Estate!

777 West 106th Street
The Estates at Stone Bluff in Jenks, Oklahoma
$2,999,000

5 Bedrooms
7 Full 1 Half Bathrooms
3 Car Garage


For more information on any of these Tulsa, Oklahoma area luxury homes or to buy or sell your home in the Tulsa, Oklahoma area, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Tulsa, OK Condos For Sale

Tulsa, Oklahoma Condominiums for Sale

Enjoy the View from these Charming Spacious Condo's just Steps Away from the River Parks. Downtown and major interstates are only minutes away.

3731 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$172,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage

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3727 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage
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3729 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage


To sell your Tulsa, OK area Condo or to find condominiums for sale in Tulsa, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com