RealtorCK4U 832.755.2954
Information about Brokerage Services
Texas Real Estate Commission Consumer Protection Notice Texas Real Estate Commission Information About Brokerage Services
Instagram

No Instagram images were found.

Congratulations to My First Time Homebuyer in Rose Meadow Farms

Big congratulations to my #firsttimehomebuyer on #winning the #sale of this #newhome in #RoseMeadowFarms in #Tomball #woohoo 🙌🏻 #multipleoffers #whoyourrealtorismatters #CallOnChristine #Realtorck4U #KWPlatinumHouston

 Leave a Comment

 Posted on March 16, 2021 by

 Buying, Community, Financial, New Build, Residential, Single Family

     , , , , , , , , , , , , , , , , , , , ,

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!”

 Leave a Comment

 Posted on April 1, 2020 by

 Buying, Family, Financial, Residential, Single Family, Trends

     , , , , , , , , , , , , , , , , , , , , , , , , , ,

Sold! Congratulations and God bless my Sellers!

#sohappy for my #friends and clients! Their fabulous remodel paid off #bigtime! Their #investment #property is #SOLD! I pray you enjoy this well deserved #break! God bless y’all! 🙏🏻❤️😘 #CallOnChristine #Realtorck4U #KWPlatinumHouston #katyrealestate #sold #investment #Jesus #grace #love #serve #give

 Leave a Comment

 Posted on March 20, 2020 by

 Communities, Financial, Residential, Selling, Single Family

     , , , , , , , , , , , , , , , , , , , , ,

CORONAVIRUS RESOURCES by Christine Kalmbach 2020-03-25

Original post date 03/17/20220

This list has been compiled to assist you during the #Coronavirus #Outbreak2020. It is not complete and nor does it endorse or recommend any specific site or treatment plans. I am not an attorney or doctor so please consult professionals related to those areas if you have needs. I just want to help share this information and pray you stay healthy and find it helpful!

USA GOVERNMENT RESPONSE TO CORONAVIRUS

USA Centers for Disease Control

https://www.cdc.gov/coronavirus/2019-ncov/index.html

Why Hand Washing Saves Lives

https://www.cdc.gov/handwashing/why-handwashing.html

When & How to Use Hand Sanitizer

https://www.cdc.gov/handwashing/show-me-the-science-hand-sanitizer.html

Coronavirus Symptoms

https://www.cdc.gov/coronavirus/2019-ncov/symptoms-testing/symptoms.html

Cough & Sneezing
https://www.cdc.gov/healthywater/hygiene/etiquette/coughing_sneezing.html

Testing – Please Only Get Testing if You have Tested Negative for the Flu and are having Symptoms

https://www.cdc.gov/coronavirus/2019-ncov/symptoms-testing/testing.html

Senior Care for the Coronavirus

https://chiproy.com/protect-our-seniors/?fbclid=IwAR1qDsJl-RNgNnZQ5DPpPjcGDYpJrkYhS8__5J3ghc0YDjSlakQNSWXWhjM

If You are at Risk

https://www.cdc.gov/coronavirus/2019-ncov/specific-groups/high-risk-complications.html

Create a Household Plan

https://www.cdc.gov/coronavirus/2019-ncov/prepare/get-your-household-ready-for-COVID-19.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fcommunity%2Fhome%2Fget-your-household-ready-for-COVID-19.html

Business Guidance

https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business-response.html?CDC_AA_refVal=https%3A%2F%2Fwww.cdc.gov%2Fcoronavirus%2F2019-ncov%2Fspecific-groups%2Fguidance-business-response.html

Home Care for Coronavirus Patients

https://www.cdc.gov/coronavirus/2019-ncov/hcp/guidance-home-care.html

Animal Care in regards to Coronavirus

https://www.avma.org/resources-tools/animal-health-and-welfare/covid-19

CDC’s situation summary page for COVID-19 provides the latest updates on source, spread, response, and recommendations.

CDC’s latest recommendations for preventing COVID-19 spread at election polling stations.

CDC’s latest guidance on mass gatherings or large community events. 

CDC’s preparation for first responders, healthcare providers and health systems for the potential spread of coronavirus.

CDC’s interim guidance for homeless shelters. 

CDC’s latest guidance for schools, workplaces, and community locations. 

CDC’s prevention steps for the spread of coronavirus in homes and residential communities.

CDC’s guidance for businesses and employers to plan and respond to coronavirus.

CDC’s guidance on managing anxiety and stress over COVID-19. 

Cybersecurity & Infrastructure Security Agency (CISA) general resource page. 

FEMA provides guidance on individual household preparation for emergencies.

https://icma.org/coronavirus-resources-plan-and-prepare-now-it-hits-your-community

LOCAL GOVERNMENT

COVID-19 Houston Call Center

(832) 393-4220 Weekdays from 9:00 am – 7:00 pm and Saturdays from 9:00 am – 3:00 pm

HARRIS HEALTH SYSTEM

https://www.harrishealth.org/about-us-hh/news/Pages/coronavirus-disease-covid-19.aspx

Harris County Public Health Call Center

(832) 927-7575 9:00 am – 7:00 pm daily

https://publichealth.harriscountytx.gov/Resources/2019-Novel-Coronavirus

GALVESTON COUNTY HEALTH DISTRICT

https://www.gchd.org/

MONTGOMERY COUNTY
https://mctx.org/public_notices/corona_virus_information.php

Triage Line

For residents without access to healthcare and who have clinical related questions

(713) 634-1110  9:00 am – 7:00 pm daily

STATE OF TEXAS

https://dshs.texas.gov/coronavirus/

UPDATES https://dshs.texas.gov/news/updates.shtm#coronavirus

HOSPITALS

Houston Best Hospitals
https://health.usnews.com/best-hospitals/area/houston-tx

MD Anderson Cancer Center
https://www.mdanderson.org/patients-family/becoming-our-patient/planning-for-care/coronavirus-protections.html?intcmp=HPFaces1_coronavirus_03052020

Memorial Hermann TMC
http://www.memorialhermann.org/locations/texas-medical-center/

Methodist
https://www.houstonmethodist.org/coronavirus/

Shriner’s Hospital

https://www.shrinershospitalsforchildren.org/houston/news-and-events/new-covid19-screening-protocol-at-shriners-hospita-1651

TEXAS CHILDREN’S HOSPITAL
https://www.texaschildrens.org/

Mental Health Crisis Hotline (832) 416-1177 Teen: (832) 416-1199 (CALL)

Teen: (281) 201-4430 (TEXT)

CHURCHES

CATHOLIC CHURCH OF THE ANNUNCIATION https://www.annunciationcc.org/

HOUSTON’S FIRST BAPTIST https://houstonsfirst.org/

ECCLESIA HOUSTON https://ecclesiahouston.org/

FIRST METHODIST HOUSTON https://www.fmhouston.com/

FIRST PRESBYTERIAN CHURCH HOUSTON https://fpchouston.org/

HOPE CITY https://hopecity.com/

LAKEWOOD CHURCH https://www.lakewoodchurch.com/livestream

SECOND BAPTIST https://www.second.org/

ST. JOHN’S UNITED METHODIST CHURCH https://stjohnsdowntown.org/

ST. THERESA CATHOLIC CHURCH https://www.sttheresa.cc/

UNIVERSITIES IN THE HOUSTON AREA


PRAIRIE VIEW A&M

http://www.pvamu.edu/

RICE UNIVERSITY
https://emergency.rice.edu/coronavirus

U OF HOUSTON
https://www.uh.edu/covid-19/


U of H Downtown
https://www.uhd.edu/administration/emergency-management/coronavirus/Pages/default.aspx

ONLINE CLASSES
https://www.classcentral.com/


US DEPARTMENT OF LABOR
OSHA COVID 19

https://www.osha.gov/SLTC/covid-19/controlprevention.html#health

EUROPEAN CDC

https://www.ecdc.europa.eu/en/publications-data/rapid-risk-assessment-novel-coronavirus-disease-2019-covid-19-pandemic-increased

SCHOOL DISTRICTS TO OFFER MEALS TO STUDENTS

https://www.chron.com/houston/article/Houston-school-districts-free-meals-coronavirus-15135091.php

CFISD https://www.cfisd.net/en


FBISD https://www.fortbendisd.com/

HISD https://blogs.houstonisd.org/news/2020/03/15/curbside-pickup-service-to-be-available-social-distancing-required-at-district-food-distribution-sites/

KISD http://www.katyisd.org/Pages/default.aspx

SISD https://www.springisd.org/

SBISD https://www.springbranchisd.com/

TISD https://www.tomballisd.net/

WORLD HEALTH ORGANIZATION

https://www.who.int

WHO How to Protect Yourself

https://www.who.int/emergencies/diseases/novel-coronavirus-2019/advice-for-public

https://www.who.int/emergencies/diseases/novel-coronavirus-2019/technical-guidance/critical-preparedness-readiness-and-response-actions-for-covid-19

OTHER

HOUSTON LIVESTOCK SHOW & RODEO

How to Help HLSR Vendors

https://www.click2houston.com/news/local/2020/03/12/want-to-help-houston-rodeo-vendors-here-is-a-list-of-dozens-that-you-can-support-online/

https://docs.google.com/spreadsheets/d/e/2PACX-1vTmlu2iAYtm1phnkWfC60jl53PRP6mQXBWNrV20LfTAHImhRzTtvnn9AkhJkRjTHieEpJHNwJw99Xmx/pubhtml

https://www.facebook.com/groups/195893028380602/?multi_permalinks=197788491524389&comment_id=197807808189124&notif_id=1584120971914390&notif_t=feedback_reaction_generic

LATEST DETAILS AND CLOSURES

CHANNEL 2

https://www.click2houston.com/health/2020/03/07/latest-follow-the-developments-of-the-coronavirus-cases-in-the-houston-area/

HOUSTON AREA SCHOOLS
https://www.chron.com/news/houston-texas/article/Houston-area-event-school-closures-due-to-the-15123856.php

ONLINE THINGS TO DO

COOKING and RECIPES
All Recipes

https://www.allrecipes.com/?internalSource=recipe%20breadcrumb&referringId=237984&referringContentType=Recipe&referringPosition=1&clickId=recipe%20breadcrumb%201

EXERCISE

Exercising from Home

https://philaymca.org/y-inside-out/?dxk=H4sIAAAAAAAEAKtWKs4vLUpOVbJScs1LT0xPVdJRSk7MLUjMTM8DimXmZZZkJpZklqUWx-gbGhsbGivVAgAiXWWjMwAAAA2

GROCERY

Food Town Seniors Only Shopping 7-8am daily

https://www.yourfoodtown.com/

H-E-B Ready to Serve Texas
https://newsroom.heb.com/heb-news/articles/h-e-b-is-ready-and-here-for-texas/

HOUSTON FOOD BANK

https://www.houstonfoodbank.org/

Kroger

https://www.kroger.com/i/coronavirus-update

RESTAURANT DELIVERY

DOORDASH https://www.doordash.com/

GRUBHUB https://www.grubhub.com/

AFFORDABLE INTERNET AT HOME

https://www.internetessentials.com/covid19

THINGS TO DO ALONE OR WITH YOUR KIDS

AMAZING EDUCATIONAL RESOURCES

https://www.facebook.com/groups/445786889466638/

FREE RESOURCES FOR FAMILIES

https://www.njfamily.com/free-resources-to-keep-the-kids-learning-and-entertained-during-coronavirus-shutdowns/

DIGITAL LIBRARY FOR KIDS

https://time.com/tfk-free

DISNEY VIRTUAL RIDES https://www.romper.com/p/while-disney-world-disneyland-are-closed-take-your-kids-on-virtual-rides-22622893?utm_term=share&fbclid=IwAR3Xdaz3cPEOlmFa6CHqiMplEDqigCNl9P3h76mjqW5S-O7ao50EHCSwigI

GOOGLE ARTS & CULTURE

https://artsandculture.google.com/

HARRIS COUNTY PUBLIC LIBRARY
https://www.hcpl.net/blog/2020/03/harris-county-public-library-temporary-building-closure

HONEY KIDS BLOG

https://honeykidsasia.com/coronavirus-who-fun-things-to-do-with-the-kids-at-home/

LIBBY APP

https://www.overdrive.com/apps/libby/

NASA

https://images.nasa.gov

ORGANIC PREPPER
https://www.theorganicprepper.com/how-to-prepare-quarantine/

USA NEWS 100 THINGS TO DO DURING SELF SEPARATION

https://www.usatoday.com/story/life/health-wellness/2020/03/16/coronavirus-quarantine-100-things-do-while-trapped-inside/5054632002/

PRAYER & THE WORD

SEAN PINDER MINISTRIES https://www.youtube.com/channel/UC0Z2kSgKAHFRmcoQAYLvOlw

PSALM 121 https://www.youtube.com/watch?v=Ol7VxDEckQs

THE MINDFUL CHRISTIAN https://www.youtube.com/channel/UCYHNCCOgpneMbFBVaNdBYNA/videos

PRAISE & WORSHIP https://www.youtube.com/watch?v=iKb0GTI9T7Y

ROBERT CLANCY https://www.youtube.com/channel/UC9hDjFXkfauB0qsg9y0rPGA

STEVE RACER https://www.youtube.com/channel/UCmDxriC-e2DGf7Mc73o84kQ

SMALL/LOCAL BUSINESSES TO SUPPORT

TEXAS REAL ESTATE – Christine Kalmbach https://www.har.com/christine-kalmbach/agent_cmkalm

BIN THERE DUMP THAT – ask for Victor https://houston.bintheredumpthatusa.com/home

CARRABBA’S COPPERFIELD https://www.carrabbas.com/locations/tx/copperfield

DR. JACOB BURCH, DDS https://copperfielddentist.com/

INSURANCE https://agents.gooseheadinsurance.com/tx/spring/122-heatherwood-dr

CANTU’S TX JIU-JITSU http://cantuselfdefense.com/

PJ’s COFFEE 11930 Barker Cypress https://www.pjscoffee.com/cypress/

SENDERA SPRINGS – WEDDING/SPECIAL EVENT VENUE IN KERRVILLE, TX https://senderasprings.com/

VIDEO CONFERENCING – stay connected personally and for business

FACETIME – on iPhone

FREE CONFERENCE CALL https://www.freeconferencecall.com/

GOOGLE HANGOUTS https://hangouts.google.com/

SKYPE https://www.skype.com/en/

ZOOM https://zoom.us/

VIRTUAL MUSEUM TOURS/RIDES

https://www.travelandleisure.com/attractions/museums-galleries/museums-with-virtual-tours

 Leave a Comment

 Posted on March 17, 2020 by

 Community, Financial, Government, Safety, Tips, Trends

Your January 2020 Real Estate News!

January 2020                                                                                                 
REAL ESTATE NEWS
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
decorative image
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
design element
personal photo #CallOnChristine #RealtorCK4U #GetClosedwithChristine
Christine Kalmbach REALTOR
Keller Williams Realty Platinum
832-755-2954
281-856-0808
Click here to download my mobile app!
christinekalmbach@kwrealty.com
ChristineKalmbach.kwrealty.com
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. 

 Leave a Comment

 Posted on January 13, 2020 by

 Appraisals, AVM, Buying, Financial, Inspections, Tips

     , , , , , , , , , ,

Follow RealtorCK4U 832.755.2954 on WordPress.com

Enter your email address to follow this blog and receive notifications of new posts by email.

Past Posts
Calendar
March 2026
S M T W T F S
1234567
891011121314
15161718192021
22232425262728
293031  
Categories
Follow me on Twitter

RealtorCK4U 832.755.2954

Blog at WordPress.com.