Texas Re BOSS

Today, we take time to honor and recognize the past and present lives of Black Americans. When it comes to real estate, equal access to housing has come a long way, but it's still harder for households of color to buy their own homes.   The Difference in the Rate of Homeownership in America Some buyers have a harder time getting into homeownership, as shown by the gap between the average homeownership rate in the U.S. and that of non-white groups. Census data shows that the Black community still has the lowest rate of owning a home. This graph shows that there is still a difference between the percentage of people in each community who can buy their own home.   How owning a home affects a family's wealth One thing that could make it harder for these groups to buy a home is how hard it can be to save up money. Even now, some racial and ethnic groups, especially the Black community, still have to deal with problems. A recent NextAdvisor article explains:   "According to the...

Who wouldn't want a pool?   A closer look uncovers the reality (and hazards) of pool ownership, good and bad, and all should be considered by potential homeowners. Realtors say pools lower resale value. Americans are increasingly forgoing swimming pools. Over 28.4 million U.S. households owned a pool in spring 2009. By April 2017, it was 18.9 million.   This deterioration is financially-driven. In 2009, the Great Recession was still raging, so many cash-strapped homeowners stopped paying for pools.   U.S. homeowners may not desire the inconvenience and expense of developing and maintaining a pool.   Experts agree having a pool has benefits. Pool ownership has many benefits:   Realtors say pools lower resale value. Americans are increasingly forgoing swimming pools. Over 28.4 million U.S. households owned a pool in spring 2009. By April 2017, it was 18.9 million.   This deterioration is financially-driven. In 2009, the Great Recession was still raging, so ma...

  When you buy a house this season, you need to be careful and competitive to get the best deal. When you buy something, you need to get it approved first before you can get it. To find out how much money you can borrow for your loan, you need to get pre-approved from a lender. Peter Warden, who is the editor of The Mortgage Reports, explains why: "The lender will check your personal finances and send you a letter that says how much money you can get from the lender." In addition to setting a price range, this lets sellers know that you're ready to make an offer. Because today, that's very important. As many people want to buy a home as there are homes for sale, there is a lot of competition between them. In general, the National Association of Realtors (NAR) says that the average home is getting 4.8 offers when it goes on the market. There are still a lot of bidding wars, as a result. It gives you a head start in these situations because you have already agreed to th...

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