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Congratulations to my First-time Homebuyers!

Beyond excited for #mybuyers who bought their #firsthome! With lots of #prayers #patience and #hardwork they achieved their dream! Congratulations and God bless y’all! It was a joy to help y’all! Enjoy! #katytexas #katytxrealestate #CallOnChristine #Realtorck4U #KWPlatinumHouston #SoldbyCK

A New Home!

newhome #dreamhome for #mybuyers #soexcited for them! #huntwickforest #enjoy #livingyourbestlife #CallOnChristine #Realtorck4U #soldbyck #KWPlatinumHouston #houstonrealestate #letmehelpyoubuyahome

Congratulations to My Buyers!

Congratulations to #mybuyers #movingup to a #newhome #Godbless #onestepclosertohome #CallOnChristine #Realtorck4U #KWPlatinumHouston

Under Contract in 5 Days!

gorgeous #undercontractin5days #undercontract #congratulationstomysellers #hardworkpaysoff #stagingworks #deerfieldvillage #18214Heaton #CallOnChristine #Realtorck4U #KWPlatinumHouston #sellyourhome #sellers #realestate #buyahome #sellahome #houstonrealestate #home

June is National Homeownership Month!

june #nationalhomeownershipmonth #letmehelpyousell #letmehelpyoubuy #CallOnChristine #today #Realtorck4U #sellahome #buyahome #inyourcorner #freedom #joy #satisfaction #hyperlocal #houston #cypress #katy #leaguecity #tomball ##yourrealestateresource #forlife #KWPlatinumHouston

People are Selling & Buying Homes during COVID19?

Yes! Most of you know I work as a Realtor but my purpose in life is to love and serve God and to love and serve people!
I’m sharing this from a friend in my profession:
“❤️This message is to my non-realtor friends. ❤️
Based on what you see on TV, you may believe Realtors are concerned because they can’t sell homes or hold open houses.
The Federal government labeled residential real estate “essential” last week, and let me explain why….it’s not about “sales.” In reality, our government and the real estate industry are much more concerned about people with these sorts of challenges:
🔵 A mother of two boys who just lost her husband in a horrible car accident last night. They didn’t have life insurance. She realizes she can no longer afford the home her and her children live in. That mom desperately needs to sell the house and get a smaller one in the same school district because she doesn’t want the kids to be further traumatized by losing their friends right after just losing their dad.
🔵 The 80-year-old couple who just moved into a small condo to cut expenses and put their 4-bedroom colonial up for sale. They lost most of their life savings this month in the stock market crash. They must now sell their previous house immediately because they need the proceeds of that sale to sustain them financially.
🔵 A couple with an infant daughter who has special long-term medical needs. They must move closer to the hospital that specializes in the type of procedure required to heal their little one. They need to move now.
🔵 A woman and her two small kids who has been in an abusive relationship and finally had the courage to say enough is enough! Her priority is to get her kids to a safe home, she needs to move now.
TV concentrates on the glitz and glamour of the profession. In reality, Realtors serve many people through some extraordinarily difficult times; death, divorce, sickness, job loss. The list goes on…
We don’t talk much about these people and their situations as we simply aren’t able to for privacy purposes.
Situations like those mentioned above and many others are taking place right now all over the country. We promise you its not to be selfish, but people do still need to buy, sell or rent a home as a basic need. It’s not about “sales” right now, it’s about serving those that need to move most!”

A New Home! Congratulations and God bless!

Congratulations and God bless #myfriends and #myclients on #Close2 this week! This time to buy their #dreamhome! I pray blessings upon this next chapter of your life! 🙏🏻😘❤️ #CallOnChristine #Realtorck4U #newhomebuild #movingup #andGodmadeahomeoflove #cypresstx #ctx #cypressrealestate #homebuyers #newhome #newlife #amen

Your January 2020 Real Estate News!

January 2020                                                                                                 
Brought to you by Christine Kalmbach
If you’ve made a resolution this year to get your credit on track, getting started can feel a bit daunting. After all, it can sometimes seem as if credit agencies want to keep you in the dark about how scores are calculated. Not to worry – with some diligence on your part and a little insight into the world of credit score-keeping, you can get back on track in 2020.

Paint your credit score on your wall for extra motivation

Credit scores follow an algorithm first developed by the data analytics company FICO years ago. For a while, credit scores weren’t the primary force behind a credit decision but over time the impact of a credit score became more and more important. Most every loan program available today has a minimum credit score.

There are five characteristics of your credit history that make up your three-digit score: your payment history, account balances, the length of your credit history, the types of credit used and how often you’ve applied for new credit. Credit scores will improve much more quickly by paying attention to the two categories that have the greatest impact on a score: payment history and account balances.

Payment history accounts for 35 percent of the total score. When someone makes a payment more than 30 days past the due date, scores will fall. An occasional “late pay” won’t do much damage to your score but continued payments made more than 30 days past due definitely will. Preventing late payments is key to recovering your score.

Account balances compare outstanding loan balances with credit lines and make up 30 percent of your score. If a credit card has a $10,000 credit line and there is a $3,300 balance, scores will actually improve, as the ideal balance-to-limit is about one-third of the credit line. As the balance grows and approaches or exceeds the limit, scores will begin to fall.

The remaining three have relatively little impact. How long someone has used credit accounts for 15 percent of the score, but there’s really nothing anyone can do to improve this area other than to wait. Types of credit and credit inquiries both makeup 10 percent of the score. By concentrating on payment history and account balances, scores will improve significantly over the next few months.

Inspections vs. Appraisals vs. AVMs
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Appraisal after inspectionInspections, appraisals, and automated valuation models, while related, all have different functions but can be easily confused. Let’s take a closer look.

Inspections: A property inspection is ordered by the buyer and is meant to be an unbiased look at the condition of the property. While not necessarily required by a lender, an inspection protects the buyer from purchasing a home that requires expensive repairs or otherwise doesn’t live up to its list price. A property inspector will examine the condition of the property inside and out, running through a checklist of areas including, but not limited to, the roof, electrical panels, wiring, plumbing, appliances, doors, and windows. If any issues pop up, the inspector makes a note and provides the buyer with a report.

Many reported issues will need some attention but won’t affect financing. If major repairs are needed however, the lender might want to have those issues addressed before they provide any funding.

Appraisals: Once the inspection has been completed and reviewed, the lender can order an appraisal. The appraisal will consider comparable homes in the area as well as other factors such as lot size, nearby schools and crime rates. The goal of the appraisal is to determine the true value of the property for the sake of the lender.

The key difference between an inspection and an appraisal is that an inspection aims to assess the physical condition of a home itself, while an appraisal solely determines the market value of the real estate.

AVMs: An automated valuation model is a digital evaluation of the value of a home. An AVM will quickly research the database of similar homes in the area and compare them with the value of the subject property. AVMs are often used to assess the value of a property portfolio, and have the advantage of saving time and money since no one physically visits the property. However, AVMs can’t take into account the true condition of a property and often aren’t enough to secure a conventional loan for a home buyer.

QUESTIONS? VISIT Christine Kalmbach KW Realty
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personal photo #CallOnChristine #RealtorCK4U #GetClosedwithChristine
Christine Kalmbach REALTOR
Keller Williams Realty Platinum
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Copyright 2020 Keller Williams® Realty, Inc. If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed. Equal Opportunity Housing Provider. Each office is independently owned and operated. 

Come see the 8555 Spring Green Drive Open House!

#Comebuy my #OpenHouse on Saturday, October 19th from 2-4pm at #8555SpringGreen in #CopperfieldNorthmeadVillage #CallOnChristine #realtorck4u

Christine Kalmbach would like to share this listing on HAR with you. Please follow the link to HAR. 8555 Spring Green Drive

For Sale in Hearthstone!

So excited! My newest listing is in Hearthstone! Home to Hearthstone Country Club, Hearthstone Garden Club and the Hearthstone Heatwaves! ❤ This beautiful home is on a Golf Course Lot, has been recently remodeled with a gorgeous White Kitchen and has stunning backyard views! Come to my Open House this Sunday 2-4pm at 7214 Halfpenny Road and check it out! #callonchristine #realtorck4u #7214Halfpenny #ForSale #GolfCourseLiving #Hearthstone #YourNewHome

Cute Condo in Spring Branch Coming Soon!

Super cute 1 Bedroom Condo in Spring Branch coming soon! #callonchristine #realtorck4u #onebedroomcondo #springbranchtx #kwplatinumhouston #comingsoon