Frisco/Little Elm TX Real Estate | Homes For Sale in Frisco/Little Elm TX | Selling Your House in Frisco TX | Foreclosures in Frisco TX

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Adam Franzetti
469-443-8151
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Adam Franzetti
Real Estate Consultant
    Years of Experience: 4

Direct: 469-443-8151



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Keller Williams
18383 Preston Rd Suite 150
Dallas, Tx 75252


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Receive A Custom Evaluation For Your Frisco/Little Elm Home NOW!!

Friday, March 9th, 2012

When
you’re looking for a partner to help you negotiate the complexities of
selling a home, you’ve come to the right place. The experience,
dedication and strong communication you’ll receive here will help ensure
the successful and profitable sale of your home
:

Specializing in traditional (equity) Frisco and Little Elm real estate,
we can sell your home regardless of your financial needs. It’s
wonderful if you have equity in your home, but if not – we can still
help.
We don’t just try to sell your home – we MARKET your home to sell. The DFW market is shifting and the inventory levels are starting to decrease. It takes FULL TIME marketing and lead generation to keep your property up front on the internet at ALL TIMES. The MLS alone just does not cut it anymore. You need EXPOSURE. Nobody dominates the search engines like we do, so that means YOU DO!

Equity, or no equity, we can help. So, if you or someone you know has thought about selling, please contact us right away to see what your Frisco or Little Elm Real Estate Value is!

Call
469-443-8151 or Simply enter your information on this page and we will
provide you with a speedy response. The more information given, the
more accurate the evaluation. All information you provide is secure
and will be kept strictly confidential. There is no obligation.
Please indicate when you are thinking of selling and if what YOU
think your home is worth.

Luxury Homes Unleashed—–Ending Soon

Monday, November 7th, 2011

You have seen them on TV, now you can see what they really look like. Gain access to a list of some of the most prestigious homes in North Dallas.

See currently active Luxury homes in your area

Don’t Miss Your Opportunity To Live In The Highly Acclaimed Frisco ISD

Monday, November 7th, 2011

Frisco ISD 3 bedrooms, 2 bathrooms, $157,975 WOW

Click below for details and to schedule your personal showing.
http://friscolittleelm.kwrealty.com/listing/mlsid/173/propertyid/11613840/

3 Bed 2 Bath in Frisco $157,975

3 Bed 2 Bath in Frisco $157,975

3 Bed 2 Bath in Frisco $157,975

Screen shot 2011-08-11 at 7.30.32 AM

Eco Friendly Spring Cleaning

Monday, March 7th, 2011

It’s finally spring, I think. This year I’m doing things a bit different. I’m taking a new look at how I can do all my old tasks in a “greener” way. If we each continue to make new eco-friendly choices we can do our part to help make our world a better place.

So here are my top five eco-friendly things to do this spring:

  1. This year I’m eliminating any chemicals from my garden and planting all organic plants. It’s a little more expensive and a little harder to find, but it’s a lot healthier for your kids if they play in your yard to get rid of those awful fertilizers full of chemicals.
  2. My spring cleaning will be done with lots of vinegar, baking soda and plant derived cleaners. Get rid of those old cleaners that are made with petrochemicals, unnatural fragrances and use products that bring a healthier environment to your home. Did you know that your indoor air could be causing health issues to you and your family?
  3. Open your windows and let the fresh air in. Wash your windows with a mixture of half vinegar and half water, usually this will improve your indoor air quality and leave your windows spotless.
  4. Is it time to clean out a few clogged drains? Here are some helpful tips for a more natural way to clean drains. Throw away those chemicals; they go straight to our water supply.
  5. Time to go green with your hot water heater; your water heater uses a lot of energy to keep water hot 24/7. Check out tankless water heaters or called hot water on demand systems.

For starters just do one task in an eco-friendly way and then pass this list on to a friend and encourage her to do the same. We can create a better planet one step at a time.

What You May Not Know About Your Credit Score

Tuesday, December 7th, 2010

A credit score is one of the most important numbers in a person’s life. It determines the cost of major purchases like cars and homes. It is a deciding factor for landlords in picking renters and some employers use credit scores to find dependable workers. Unfortunately for borrowers, a favorable credit score is not easy to obtain. The economic crisis that began in 2008 forced lenders to raise their expectations for borrowers in the hopes of lowering their risks. The once “good” credit score of 680 has been devalued in favor of scores of 720 or more.

Credit scores range from 330 to 830 and the average score in the United States is 698. Even the nation’s top average score of 713 in New England is not high enough to qualify for the best rates on loans. This means that many Americans will find themselves spending hundreds or thousands of dollars more for cars, homes and other major purchases.

The Dirty Secret

Lenders evaluate FICO scores based on a tiered system that divides credit scores into five ranges. Scores below 620 are often considered subprime, and borrowers in this range will either be denied loans or be offered higher interest rates and lower loan limits. For example, a non-profit state loan agency set 770 or higher as the top tier of FICO scores. Borrowers in this range received the lowest interest rates. In previous years, the same agency ranked 680 in the lowest tier in which borrowers were subject to interest rates that were 4.15% higher than those with scores in the top tier.

Borrowers with a FICO score of 689 were placed in the lowest tier. A score only one point higher, 690, was enough to be bumped up to the next tier and amounted to an interest rate that was 2.5% lower. These same dramatic jumps in interest rates can be seen in other industries such as home mortgages and car loans. Borrowers are encouraged to shop around for loans because each lender has their own “break point” between tiers. If you can find a lender that places your score in a higher tier, it could result in significant savings over the term of your loan. Another option is to find a co-signer with a higher credit score who would be able to get you placed in a higher tier.

So What Does That Mean?

Using the standards of the nonprofit state loan agency in the example above, imagine that you need a 6-month loan for $4,000. If your credit score is 689, you would be charged an interest rate of LIBOR (London Interbank Offer Rate) plus 6.45%. As of Nov. 17, the LIBOR rate for 6-month loans was 0.44%. Based on those numbers, the interest rate would be 6.89 %. If your credit score was one point higher at 690 you would be bumped up to a higher tier. Your interest rate would be calculated at LIBOR+3.95% which equals 4.39%. Individuals who have poor credit will often be subject to higher interest loans which they might not be able to pay off accordingly; as a result their credit becomes worse and worse untill they are no longer able to qualify for loans.

Some experts say that as the economy continues to improve lenders will gradually lower the benchmark for solid credit. In the meantime, consumers with scores in the lower tiers should wait a few months before applying for a loan, and follow basis financial advice such as paying bills on time, monitoring their credit reports and managing debt to help raise their scores.

The Bottom Line

The tier system of credit scores can be extremely fickle. One point can be the difference between hundreds or thousands of dollars in loan payments. With the higher expectations of lenders, it is more important now than ever to shop around for the best rates and make financial decisions that keep your credit score as high as possible.

What Category Do You Fit In?

Wednesday, November 17th, 2010

The combination of low prices, cheap mortgages, and a slowly improving job market should gradually entice buyers back to the market, setting the stage for prices to stabilize.

Wildcards: Foreclosures. If the investigations into robo-signed seizure documents and other issues turn up more problems for banks, foreclosures could be halted indefinitely. That would prop up prices in the short run but weigh them down over the long run.

Jobs. Housing demand could rise if the labor market picks up faster than expected. In that case, prices would firm up earlier in the year.

What to Watch: Signs of an improving market: three straight months of rising sales and a decreasing inventory of homes (a six-month supply is considered healthy; today it’s 11 months). A local agent or realtor’s association can supply you with that data.

Action Plan: Buyers. Don’t try to time the market perfectly. Even if prices fall a bit more in your area, mortgage rates could rise later in the year, offsetting the drop. Initially bid about 10% below what comparable homes have sold for over the past three months; go even lower if the area is rife with foreclosures.

By contrast, if well-priced houses in your desired area are receiving multiple offers — your agent will know — bid close to list price. But don’t engage in a bidding war, says Mark Foreman, senior vice president at Century 21. Plenty more homes will be coming onto the market.

Until your house keys are in hand, don’t change your financial profile don’t buy a car, take a new job, or pay a loan late. Increasingly lenders are re-pulling credit reports and reconfirming jobs just before closing, says Jim Gillespie, president of Coldwell Banker. Any changes could kill the deal.

Action Plan: Sellers. Hang on a few more years until the market recovers. Can’t hold off? Then try to unload fast.

Prices will be falling in most areas for the next several months and, depending on your location, the foreclosure slowdown in place may temporarily reduce your competition.

Wherever you are, pricing your home right is key. Buyers typically put an upper limit on their search in increments of $25,000 or $50,000. If your house is priced at $365,000, shoppers who cut their search at $350,000 may never see your home.

Best idea: Slightly underprice your house. More often than not you’ll attract numerous buyers who bid up the price, and you’ll end up getting fair value in much less time.

Action Plan: Investors. Assuming foreclosures have slowed where you are, hold off until a few months after they ramp up again. Until then, inventory will be limited, and that will set a floor under prices. When you’re ready to make your move, paying in cash will better the odds of a winning bid, says Foreman.

Action Plan: Owners. One word: refinance — even if you just did it a few years ago.

If you can shave at least one point off your rate and plan to stay in your home for at least four years, a refi makes sense. On a two-year-old $300,000 loan at 6.5%, refinancing will save you $465 a month and $120,000 in interest.

Or go with a 15-year loan, which averages 3.7%. Your payment will jump $225, but you’ll own your home 13 years earlier and save $253,000 in interest.

For a personal consultation, contact Franzetti Real Estate.

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