<?xml version="1.0"?><rss version="2.0"><channel><title>Tulsa Oklahoma Real Estate News &amp; Listings Presented By McGraw Realtors</title><link>http://www.homeguidetulsa.com</link><description></description><lastBuildDate>Thu, 23 Feb 2012 04:42:04 GMT</lastBuildDate><item><title>7211 E 73rd Street, TULSA 74133</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/7211-E-73rd-Street-TULSA-Oklahoma/images/noimage.jpg?size=ListingThumbnail" title="" alt="No image available" style="float:left; padding:3px;" />Entertain your Friends and Family in this great home with two living areas, formal dining, wet bar. Fabulous inground pool and hot tub. Conveniently located near shopping, dining and entertainment.]]></description><link>http://www.homeguidetulsa.com/property/7211-E-73rd-Street-TULSA-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/7211-E-73rd-Street-TULSA-Oklahoma</guid><pubDate>Wed, 22 Feb 2012 19:54:57 GMT</pubDate></item><item><title>Destiny Lane, SKIATOOK 74070</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/Destiny-Lane-SKIATOOK-Oklahoma-4/images/index/380995/0/t" title="" alt="" style="float:left; padding:3px;" /><p>Fantastic view from ridge. All utilities available for easy build. Near marina and lake access.</p>]]></description><link>http://www.homeguidetulsa.com/property/Destiny-Lane-SKIATOOK-Oklahoma-4</link><guid>http://www.homeguidetulsa.com/property/Destiny-Lane-SKIATOOK-Oklahoma-4</guid><pubDate>Fri, 17 Feb 2012 19:56:16 GMT</pubDate></item><item><title>Destiny Lane, SKIATOOK 74070</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/Destiny-Lane-SKIATOOK-Oklahoma-3/images/index/380994/0/t" title="" alt="" style="float:left; padding:3px;" /><p>Fantastic view from ridge. All utilities available for easy build. Near marina and lake access.</p>]]></description><link>http://www.homeguidetulsa.com/property/Destiny-Lane-SKIATOOK-Oklahoma-3</link><guid>http://www.homeguidetulsa.com/property/Destiny-Lane-SKIATOOK-Oklahoma-3</guid><pubDate>Fri, 17 Feb 2012 19:56:16 GMT</pubDate></item><item><title>6618 E Latimer Street, TULSA 74115</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/6618-E-Latimer-Street-TULSA-Oklahoma/images/noimage.jpg?size=ListingThumbnail" title="" alt="No image available" style="float:left; padding:3px;" /><p>54 unit Apartment Complex. Recently refurbished with new roof, parking lots, 2nd level balconies and railings. HVAC units recently rebuilt or replaced.</p>]]></description><link>http://www.homeguidetulsa.com/property/6618-E-Latimer-Street-TULSA-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/6618-E-Latimer-Street-TULSA-Oklahoma</guid><pubDate>Thu, 16 Feb 2012 19:53:24 GMT</pubDate></item><item><title>1429 E 49th Street, TULSA 74105</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/1429-E-49th-Street-TULSA-Oklahoma/images/noimage.jpg?size=ListingThumbnail" title="" alt="No image available" style="float:left; padding:3px;" /><p>Fabulous mid-town charmer. Beautiful hardwoods, updated kitchen and bath. No maintenance vinyl siding with large yard. Awesome midtown neighborhood with beautiful park. Fantastic home at a great price.</p>]]></description><link>http://www.homeguidetulsa.com/property/1429-E-49th-Street-TULSA-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/1429-E-49th-Street-TULSA-Oklahoma</guid><pubDate>Sun, 12 Feb 2012 19:59:55 GMT</pubDate></item><item><title>3001 N 4th Street, BROKEN ARROW 74012</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/3001-N-4th-Street-BROKEN-ARROW-Oklahoma/images/index/379507/0/t" title="" alt="" style="float:left; padding:3px;" /><p>Come see this beautiful home featuring designer colors, vaulted ceilings &amp; a split plan w/open kitchen. Wonderful Broken Arrow neighborhood with park and quiet streets. Conviently located near schools, shopping and expressway.</p>]]></description><link>http://www.homeguidetulsa.com/property/3001-N-4th-Street-BROKEN-ARROW-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/3001-N-4th-Street-BROKEN-ARROW-Oklahoma</guid><pubDate>Sun, 12 Feb 2012 19:59:55 GMT</pubDate></item><item><title>16644 E 128th Street, BROKEN ARROW 74011</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/16644-E-128th-Street-BROKEN-ARROW-Oklahoma/images/noimage.jpg?size=ListingThumbnail" title="" alt="No image available" style="float:left; padding:3px;" /><p>Bank owned. Currently sold \'As Is\' Seller would do repairs prior to closing and add to price if buyer preferred. Single level with expansive living space.</p>]]></description><link>http://www.homeguidetulsa.com/property/16644-E-128th-Street-BROKEN-ARROW-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/16644-E-128th-Street-BROKEN-ARROW-Oklahoma</guid><pubDate>Fri, 10 Feb 2012 19:59:21 GMT</pubDate></item><item><title>Private Acreage In A Prime Recreational Location</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/W-Hwy-51-Expressway-SAND-SPRINGS-Oklahoma/images/index/379037/0/t" title="Scenic 6.5 wooded acres.  Backs to corps land.  Less than one block from Keystone school system. Close to Keystone Lake." alt="" style="float:left; padding:3px;" /><p><strong>Scenic 6.5&nbsp;acre lot&nbsp;less than a&nbsp;1/2 mile from Keystone State Park and Marina.&nbsp;Good location&nbsp;for a private home and for families that like to live in a&nbsp;natural scenic&nbsp;area and have easy access to a lot of recreational areas.&nbsp;&nbsp;Just seconds&nbsp;down the street from Keystone School (K-8) 15, and close to&nbsp;White Water Park, Brush Creek Recreation area. Appalachia Bay Recreation Area and Salt Creek Cove Recreation area.&nbsp;There are shared covenants with other&nbsp;area land owners&nbsp;and a&nbsp;homeowner that&nbsp;is a neighbor to&nbsp;this property. &nbsp;Minutes to Sand Springs, Tulsa and Mannford.&nbsp; Can get to Sand Springs/Tulsa by Hwy51 or across the Keystone Dam to Hwy412. This private&nbsp;property&nbsp;backs to Corp land. There is a portion of the land that could be converted in to a pond.&nbsp;The City water had been recently&nbsp;upgraded in this area and a new fiber optic cable system was added&nbsp;approximately&nbsp;6 months ago and there is an electric line&nbsp;and a recently&nbsp;newly paved Highway 51. Property adjoins the&nbsp;Sand Springs/County utility easement road.</strong></p>]]></description><link>http://www.homeguidetulsa.com/property/W-Hwy-51-Expressway-SAND-SPRINGS-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/W-Hwy-51-Expressway-SAND-SPRINGS-Oklahoma</guid><pubDate>Fri, 10 Feb 2012 19:59:21 GMT</pubDate></item><item><title>1418 S Quincy Avenue, TULSA 74120</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/1418-S-Quincy-Avenue-TULSA-Oklahoma/images/index/375925/0/t" title="" alt="" style="float:left; padding:3px;" />]]></description><link>http://www.homeguidetulsa.com/property/1418-S-Quincy-Avenue-TULSA-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/1418-S-Quincy-Avenue-TULSA-Oklahoma</guid><pubDate>Thu, 02 Feb 2012 19:57:48 GMT</pubDate></item><item><title>17205 E 111th Street, BROKEN ARROW 74011</title><description><![CDATA[<img src="http://www.homeguidetulsa.com/property/17205-E-111th-Street-BROKEN-ARROW-Oklahoma/images/noimage.jpg?size=ListingThumbnail" title="" alt="No image available" style="float:left; padding:3px;" /><p>340 X 100 dimensions. Rural setting in town. Suitable for building.</p>]]></description><link>http://www.homeguidetulsa.com/property/17205-E-111th-Street-BROKEN-ARROW-Oklahoma</link><guid>http://www.homeguidetulsa.com/property/17205-E-111th-Street-BROKEN-ARROW-Oklahoma</guid><pubDate>Thu, 02 Feb 2012 19:57:48 GMT</pubDate></item><item><title>Are Add-On Fees on Your Closing Documents Illegal?</title><description><![CDATA[<p>In 2009, the US District Court ruled that add-on fees on the HUD-1  closing document could be against federal law. Commissions on the HUD-1  can be a flat fee, a percentage of sales price, or a combination but  should not exceed the agreed upon commission in the listing brokers  listing agreement. If the fee exceeds that agreed upon amount then HUD  can determine if the services provided justify the additional charges.  Unjustified charges are against the Real Estate Settlement Procedures  Act or RESPA and can be subject to penalties.</p>
<p>For <a href="http://www.firstitle.com/">Tulsa area Title and Escrow</a> services, contact Karen Burnette of FirsTitle, 918-493-2241 or <a href="http://www.firstitle.com/">www.firstitle.com</a></p>
<p><br />For a <a href="http://http//kheston-boklo.mortgagewebcenter.com/Default.asp?bhcp=1">Tulsa, OK area mortgage</a>, contact Karen Heston of BOK Mortgage at 918-481-7353 or <a href="http://http//kheston-boklo.mortgagewebcenter.com/Default.asp?bhcp=1">http://kheston-boklo.mortgagewebcenter.com</a></p>
<p>For all your <a href="http://www.darrylbaskin.com">Tulsa OK real estate</a> needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or <a href="http://www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/Are-Add-On-Fees-on-Your-Closing-Documents-Illegal</link><guid>http://www.homeguidetulsa.com/Blog/Are-Add-On-Fees-on-Your-Closing-Documents-Illegal</guid><pubDate>Fri, 27 Jan 2012 02:00:00 GMT</pubDate></item><item><title>Preventing Carbon Monoxide Poisoning....</title><description><![CDATA[<p>Carbon Monoxide is something that many of us simply don't think about,   yet it can be very dangerous. Carbon Monoxide is a gas that can be   created when combustible fuel doesn't burn properly or when the exhaust   is not properly vented. It can come from appliances, water heaters,   exhaust from your car, blocked chimney flues and malfunctioning   appliances that burn fuel. If you see black soot around vents, flues,   filters or appliance burners, there may be carbon monoxide present.   Also, if your Natural Gas flame is yellow instead of blue, it may be   present.<br /> <br /> Follow these preventative tips and keep this list of  symptoms of carbon  monoxide poisoning on hand you suspect a problem in  your Tulsa area  home or business.<br /> <br /> <span style="font-weight: bold;">Preventive Tips:</span></p>
<ul>
<li>Make  sure that chimney's are properly vented and the flue is  not blocked.  Cleaning the chimney regularly is also recommended as  annual  maintenance.</li>
<li>Replace air filters regularly. If you find that it  is hard to  remember to change your air filter or have trouble locating  one,  contact Rick Butefish of <a href="http://www.blogger.com/www.Filters4me.com">www.Filters4me.com</a>, 918-292-8600 about their easy <a href="http://www.blogger.com/www.Filters4me.com">air filter replacement</a> program.</li>
<li>Keep appliance air intake areas clear.</li>
<li>Don't heat your business with a gas range or space heater.</li>
<li>Keep  your heating and air-conditioning system running properly  and have  regular maintenance scheduled. Call Stephen Taylor of Air  Assurance at  918-258-HEAT or <a href="http://www.blogger.com/www.airassurance.com">www.airassurance.com</a>. to schedule a check of your <a href="http://www.blogger.com/www.airassurance.com">Tulsa heating and a/c</a> system.</li>
<li>Install a carbon monoxide detector that is UL- approved and has an audible alarm.</li>
<li>Don't  use a grill or start a lawn mower, car or any fuel  burning engine in a  closed garage, inside a building, or in an enclosed  area.</li>
</ul>
<p><span style="font-weight: bold;">Symptoms of Carbon Monoxide Poisoning: </span></p>
<ul>
<li>Dizziness</li>
<li>Ringing in the ear</li>
<li>Fatigue</li>
<li>Increased perspiration</li>
<li>Weakness</li>
<li>Vomiting</li>
<li>Headaches</li>
</ul>
<p>If you think that you may be experiencing these symptoms due to carbon monoxide poisoning, leave the property and call 911.<br /> <br /> <span style="font-weight: bold;">For more information about:</span><br /> <a href="http://www.blogger.com/www.filters4me.com"><br /> air filter replacement </a><a href="http://www.blogger.com/www.filters4me.com">in Tulsa OK</a>- contact Rick Butefish, <a href="http://www.blogger.com/www.filters4me.com">www.filters4me.com</a> or 918-292-8600<br /> <br /> <a href="http://www.blogger.com/www.airassurance.com">heating and a/c repair and installation in Tulsa, OK</a>.- contact Stephen Taylor, Air Assurance, 918-258-HEAT, 918-258-COOL or<a href="http://www.blogger.com/www.airassurance.com"> www.airassurance.com</a></p>]]></description><link>http://www.homeguidetulsa.com/Blog/Preventing-Carbon-Monoxide-Poisoning</link><guid>http://www.homeguidetulsa.com/Blog/Preventing-Carbon-Monoxide-Poisoning</guid><pubDate>Thu, 26 Jan 2012 02:00:00 GMT</pubDate></item><item><title>In the Event of a Fire in Your Tulsa Area Home...</title><description><![CDATA[<p>A fire is not only destructive it can also leave you wondering <span style="font-style: italic;">"what do I do next"?</span> <span style="font-weight: bold;">First</span>, contact your <a href="http://www.blogger.com/www.tedfordinsurance.com">Tulsa area insurance</a> company and inform them of the fire and gets things going from their side.  <span style="font-weight: bold;">Second</span>,  get all your important documents together, especially those that have  survived the fire.  If they didn't survive the fire, attempt to get  another copy.  <span style="font-weight: bold;">Third</span>, take inventory of what was and wasn't damaged in your Tulsa area home.   Damaged property can be difficult and stressful to handle.  Consider calling <a href="http://www.blogger.com/www.tulsahomecare.com">Tulsa area home maintenance professionals</a> for help. <span style="font-weight: bold;">Finally</span>,  ask plenty of questions.  Your insurance agent and fire restoration  specialists have handled situations like this before.  Never be afraid  to ask questions.<br /><br />For help with <a href="http://www.blogger.com/www.pcccr.com">Tulsa area fire restoration</a>,  call Roger Fisher of PCC Cleaning and Restoration at 918-641-1111 or <a href="http://www.blogger.com/www.pcccr.com">www.pcccr.com</a>. <br /><br />For <a href="http://www.blogger.com/www.tedfordinsurance.com">Tulsa, OK. area commercial insurance</a> needs, contact Mike Tedford of Tedford Insurance, 918-299-2345 or <a href="http://www.blogger.com/www.tedfordinsurance.com">www.tedfordinsurance.com</a>. <br /><br />For <span style="font-style: italic;">Tulsa area building and remodeling</span>, contact Rick Oberlender of US Building Systems at 918-734-1293.<br /><br />For all your <a href="http://www.blogger.com/www.darrylbaskin.com">Tulsa commercial real estate </a>needs, contact The Baskin Real Estate Specialists at 918-258-2600 or <a href="http://www.blogger.com/www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/In-the-Event-of-a-Fire-in-Your-Tulsa-Area-Home</link><guid>http://www.homeguidetulsa.com/Blog/In-the-Event-of-a-Fire-in-Your-Tulsa-Area-Home</guid><pubDate>Mon, 23 Jan 2012 02:00:00 GMT</pubDate></item><item><title>Signs Your Tulsa Roof May Need Repairs</title><description><![CDATA[<p>Oklahoma weather is constantly changing and that changing weather can  wreak havoc on our roof.  Here are some simple signs that roofing damage  may have occurred to your <a href="http://www.darrylbaskin.com">Tulsa area real estate</a> and repairs may be needed:<br /><br />1.  Leaking in the attic after wind-driven rain or ice build-up.<br />2.  Blistering or peeling interior or exterior paint.<br />3.  Stains on interior ceilings or walls.<br />4.  Mold or mildew growth.<br />5.  Decaying roof shingles, sheathing, or siding.<br />6.  Missing, cracked or curled shingles.<br />7.  Dark looking areas on your roof.<br />8.  Excessive energy costs.<br /><br />For <a href="http://www.blogger.com/www.abestroofing.com">Tulsa area roofing repair</a>, contact Judy Smith of A-Best Roofing at 918-587-1426 or <a href="http://www.blogger.com/www.abestroofing.com">www.abestroofing.com</a>. <br /><br />For <a href="http://www.blogger.com/www.darrylbaskin.com">real estate in Tulsa</a>, Oklahoma area, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or <a href="http://www.blogger.com/www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/Signs-Your-Tulsa-Roof-May-Need-Repairs</link><guid>http://www.homeguidetulsa.com/Blog/Signs-Your-Tulsa-Roof-May-Need-Repairs</guid><pubDate>Sat, 21 Jan 2012 02:00:00 GMT</pubDate></item><item><title>Damage to Your Hardwood Flooring?</title><description><![CDATA[<p>Hardwood flooring is a popular option for many homeowners in the Tulsa  area.  When a good quality hardwood floor is installed properly and  needed repairs are done well it provides a beautiful and durable  flooring option.  When repairs, refinishes, and installations are not  done properly, however, or a bad product is purchased it can cause many  problems. Here are some common problems with hardwood flooring and their  causes:</p>
<ul>
<li>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.</li>
<li>Creaking or squishy floors can be caused by incorrect floor preparation on both a concrete slab and a wood subfloor. </li>
<li>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.</li>
<li>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.</li>
</ul>
<p>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.<br /><br />For <a href="http://www.blogger.com/www.prosourcefloors.com/tulsa">new hardwood flooring options in Tulsa</a>, call Jim Ecrette of ProSource Flooring at 918-252-7711 or <a href="http://www.blogger.com/www.prosourcefloors.com/tulsa">www.prosourcefloors.com/tulsa</a> and ask for Darryl Baskin's Wholesale Pricing.<br /><br />Want to <a href="http://www.blogger.com/www.darrylbaskin.com">buy Tulsa real estate</a>?  Contact Darryl Baskin, McGraw Realtors, 918-258-2600 or <a href="http://www.blogger.com/www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/Damage-to-Your-Hardwood-Flooring</link><guid>http://www.homeguidetulsa.com/Blog/Damage-to-Your-Hardwood-Flooring</guid><pubDate>Fri, 20 Jan 2012 02:00:00 GMT</pubDate></item><item><title>Family Fun Night...</title><description><![CDATA[<p>Those who have had a catastrophe know how much work it is to find  receipts and locate and remember all the items in your home.  To prevent  this problem should a catastrophe occur, here is a fun idea for the  whole family.  <span style="font-weight: bold;">First</span>, prepare an  insurance inventory list.  Think of all your electronic items,  valuables, antiques, and anything else you want to list.  <span style="font-weight: bold;">Second</span>,  get a video camera and turn your insurance inventory list into a game  for the whole family.    Video everything from your sock drawers (let  your kids count them) to your new TV.  This will not only help teach  your kids the importance of serial numbers on electronic items, but can  also help your young kids with their counting skills.  <span style="font-weight: bold;">Finally</span>,  place the video in a safe place.  A safety deposit box or fireproof  safe are great locations.  In the event of a fire or another  catastrophe, this video will be of tremendous help.  Have fun! <br /><br />For <a href="http://tulsavoice.blogspot.com/2012/01/www.tedfordinsurance.com">Tulsa area insurance</a> quotes or questions, contact Mike Tedford, Tedford Insurance at 918-299-2345 or <a href="http://tulsavoice.blogspot.com/2012/01/www.tedfordinsurance.com">www.tedfordinsurance.com</a><br /><br />For <a href="http://tulsavoice.blogspot.com/2012/01/www.darrylbaskin.com">Tulsa real estate</a> needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or <a href="http://tulsavoice.blogspot.com/2012/01/www.darrylbaskin.com">www.darrylbaskin.com</a>. <br /><br />Had fire, wind, or water damage?  For <a href="http://tulsavoice.blogspot.com/2012/01/www.pcccr.com">disaster restoration services in Tulsa, OK</a>.  contact PCC Cleaning and Restoration at 918-641-1111 or <a href="http://tulsavoice.blogspot.com/2012/01/www.pcccr.com">www.pcccr.com</a></p>]]></description><link>http://www.homeguidetulsa.com/Blog/Family-Fun-Night</link><guid>http://www.homeguidetulsa.com/Blog/Family-Fun-Night</guid><pubDate>Wed, 18 Jan 2012 02:00:00 GMT</pubDate></item><item><title>Choosing a Moving Company</title><description><![CDATA[<p>Choosing a moving company is a big decision. Not only for your finances,  but also for your home and peace of mind. When it comes time to make  the big move, keep these things in mind...<br /> <br /></p>
<ul>
<li>Don't wait until the last minute or you might get stuck with a bad company or a high price.</li>
<li>When  calling a mover, make sure that you have the following information at  hand: a list of items to move, moving date, where you are moving from  and the destination, and approximate value of the items you are moving.</li>
<li>Make sure the company is licensed. If the company is not licensed, think twice!</li>
<li>Check their record with the Better Business Bureau and ask for references.</li>
<li>Ask around. A company that has been around for a while, will likely have a reputation.</li>
<li>Ensure  that they have insurance adequate to cover the value of your property.  Also, ask questions about what items are covered. For instance, many  times, boxes that you pack yourself are not covered.</li>
</ul>
<p>After  asking lots of questions and selecting the right moving company, you can  have peace of mind knowing that your property is in good hands!<br /> <br /> For a quote to <a href="http://www.blogger.com/www.relocationllc.net">move your Tulsa, OK. area home</a>, contact Mike at Relocation LLC at 918-459-6683 or <a href="http://www.blogger.com/www.relocationllc.net">www.relocationllc.net</a>.<br /> <br /> Want to <a href="http://www.blogger.com/www.homeguidetulsa.com">move to the Tulsa, OK area</a>? Contact The Baskin Real Estate Specialist of McGraw at 918-258-2600 or <a href="http://www.blogger.com/www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/Choosing-a-Moving-Company</link><guid>http://www.homeguidetulsa.com/Blog/Choosing-a-Moving-Company</guid><pubDate>Tue, 17 Jan 2012 02:00:00 GMT</pubDate></item><item><title>Important Questions to Ask Your Mortgage Banker</title><description><![CDATA[<p>Although there are many questions that home buyers have when getting a  home loan, there are some basic questions that are always important. <br /><br /><span style="font-weight: bold;">How much downpayment do I need to buy a house?</span> 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% downpayment, depending on the amount of the loan.  FHA requires a  3.5% downpayment, Conventional a 5% downpayment, and Investment loans a  20% downpayment. <br /><br /><span style="font-weight: bold;">What are Points/Origination Fees?</span> Point and Origination Fees are additional fees paid at closing to lower your interest rate. 1 point is $1000. <br /><br /><span style="font-weight: bold;">How  do I find out exactly what my closing costs, fees, and other things are  when I am comparing mortgage companies and their rates? </span> Ask  for a Good Faith Estimate.  Look at fee lines  800-900.  Compare the  rate, points/origination fee, and other items within that range.<br /><br /><span style="font-weight: bold;">What constitutes a rural development loan?</span> It is all based on the population of an area.  Owasso and Glenpool are  still rural and are eligible for a rural development loan.  The <a href="http://www.rurdev.usda.gov/RD_Loans.html">USDA Rural Development</a> website can give you more information about an area you are interested in.<br /><br /><span style="font-weight: bold;">How do Mortgage Bankers get paid? </span> My commission is based on the volume I produce.  The more I produce the higher percentage I make.<br /><br />Whether  you are a first-time home buyer or have purchased before, no question  is stupid.  Remember that rules and regulations change and some  requirements and information from your previous mortgage may not be the  same.  Always ask first rather than be sorry later.<br /><br />If you have questions about a <a href="http://kheston-boklo.mortgagewebcenter.com/Default.asp?bhcp=1">Tulsa, OK. mortgage</a>, contact Karen Heston at BOK Mortgage, 918-230-9432 or <a href="http://kheston-boklo.mortgagewebcenter.com/Default.asp?bhcp=1">http://kheston-boklo.mortgagewebcenter.com</a></p>]]></description><link>http://www.homeguidetulsa.com/Blog/Important-Questions-to-Ask-Your-Mortgage-Banker</link><guid>http://www.homeguidetulsa.com/Blog/Important-Questions-to-Ask-Your-Mortgage-Banker</guid><pubDate>Wed, 28 Dec 2011 23:28:00 GMT</pubDate></item><item><title>Understanding Your Insurance Company's Late Policy</title><description><![CDATA[<p>Understanding your insurance company's late policy is very important.     Failure to understand the late policy could result in the cancellation    of your policy.  When selecting an insurance company remember to    understand your policy coverage and ask the following  questions   regarding the company's policy on payments:<br /> <br /></p>
<ul>
<li>When does my payment have to be received in order to be on time?</li>
<li>Does the payment need to be postmarked by a certain time?</li>
<li>In what office does the payment need to be received?</li>
<li>How do you issue a cancellation policy? Will it be a part of the bill or separate?</li>
<li>Do you have a maximum # of late payments that are allowed before you cancel my insurance policy permanently?"</li>
</ul>
<p>For all your <a href="http://www.blogger.com/www.tedfordinsurance.com">Tulsa, OK. insurance</a> needs, contact Mike Tedford, Tedford Insurance at 918-299-2345 or <a href="http://www.blogger.com/www.tedfordinsurance.com">www.tedfordinsurance.com</a>.</p>
<p>For all your <a href="http://www.blogger.com/www.darrylbaskin.com">Tulsa, Oklahoma real estate</a> needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or <a href="http://www.blogger.com/www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/Understanding-Your-Insurance-Companys-Late-Policy</link><guid>http://www.homeguidetulsa.com/Blog/Understanding-Your-Insurance-Companys-Late-Policy</guid><pubDate>Wed, 28 Dec 2011 22:55:00 GMT</pubDate></item><item><title>Title Insurance?</title><description><![CDATA[<p>Title insurance protects your claim of ownership of your property. When you <a href="http://www.darrylbaskin.com">buy </a><a href="http://www.darrylbaskin.com">Tulsa area real estate</a>,   you count on the paperwork being properly reviewed. One of the   important parts of a mortgage transaction is the Title Opinion.  When   you get a "title opinion" from an attorney, that "title opinion" is   simply the opinion of the attorney you hired.  It is important however,   it does not provide any insurance against errors made by the attorney  or  insurance against a later claim of error in the title. This is where   Title Insurance comes into play.<br /> <br /> If you purchase title insurance  and someone later questioned your  ownership of the property, the title  insurance company would be  required to come defend your title.<br /> <br /> <span style="font-weight: bold; font-style: italic;">A few things to note:</span></p>
<ul>
<li>Title  insurance only covers the period of time before your  purchase of the  property. It does not cover from the time you purchase  and beyond.</li>
<li>Sometimes  "exceptions" can be listed in your title policy.  These would be things  that were known when the policy was written such  as, your driveway or  storage building being on the neighbor's property.</li>
<li>Title  problems are often called "clouds" which mean your  ownership is not  completely clear - someone could raise questions about  it. Even if your  ownership would not be lost, it can be expensive to  remove the "cloud"  on your title.</li>
<li>Title issues can arise from forgeries, improper  paperwork  filing at the courthouse, incorrectly completed forms, deaths  and  bankruptcies, lawsuits between other parties, and many other unknown   circumstances.</li>
</ul>
<p><br /> For more information about <a href="http://www.blogger.com/www.firstitle.com">title insurance in Tulsa, OK</a>, contact Karen Burnette, at FirsTitle, 918-493-2241 or <a href="http://www.blogger.com/www.firstitle.com">www.firstitle.com</a>.<br /> <br /> Having <a href="http://www.blogger.com/www.rrblawok.com">Tulsa, OK. Title Problems</a>?  Contact Chuck Richardson of Richardson, Richardson, Boudreaux at 918-663-5070 or <a href="http://www.blogger.com/www.rrblawok.com">www.rrblawok.com</a>.<br /> <br /> For all your <a href="http://www.blogger.com/www.darrylbaskin.com">Tulsa, OK. area real estate</a> needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or <a href="http://www.blogger.com/www.darrylbaskin.com">www.darrylbaskin.com</a>.</p>]]></description><link>http://www.homeguidetulsa.com/Blog/Title-Insurance</link><guid>http://www.homeguidetulsa.com/Blog/Title-Insurance</guid><pubDate>Tue, 27 Dec 2011 22:24:00 GMT</pubDate></item></channel></rss>
