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Owning Is Still More Affordable Than Renting

January 20, 2021 by chorton Leave a Comment

If spending time at home over the last year is making you think hard about purchasing a house instead of renting one, you’re not alone. You may be wondering, if the dollars and pennies add up in your favor because home prices continue to grow . According to the experts, in many cases, it is still more affordable to buy a house than rent.

In 2020, mortgage rates reached all-time lows 16 times, and up to now, they are continuing to put in low this year. Owning a median-priced three-bedroom home is more affordable than leasing a three-bedroom house.

It is startling to see that type of trend. However, it shows how both the expense of leasing has been comparatively high in comparison with the cost of ownership and how declining interest rates have a remarkable effect on the housing market and property ownership. The coming year is wholly uncertain, amid so many questions linked to this Coronavirus pandemic and the broader economy.

If you’re considering buying a home this year, contact one of our professional agents today to learn more about the options that match your budget while affordability is in your favor.

Filed Under: Buying a home, Homes for Sale Tagged With: buying a home, first time home buyer, Homes for sale Stephenville TX, mortgage

Investment Property For Sale

January 19, 2021 by chorton 2 Comments

Looking for an investment property or a fixer upper? Check out this new listing on 1050 W. Oak Street in Stephenville, Texas. Nice corner lot near Tarleton College and schools.

Contact Preferred Properties of Texas today to setup a showing.

Stephenville Homes For Sale

Filed Under: Homes for Sale, Investing Tagged With: home remodel, Homes for sale Stephenville TX, investing

Mineral & Surface Rights On Your Land

January 17, 2021 by chorton Leave a Comment

There are two forms of rights which could be contained in property possession: surface rights and mineral rights. In the USA, landowners have both mineral and surface rights unless they opt to market the mineral rights to somebody else. After mineral rights are sold, the first owner keeps just the rights to the land surface, whereas the next party can exploit the underground assets in almost any way that they choose.

Mineral rights could be held in a variety of ways. As soon as the exact same owner retains both mineral and surface rights, it is referred to as a unified estate. When mineral and surface rights have been severed from one another, the distinct ownership is referred to as a property. A third solution is a property, where mineral rights are divided between many owners. This could occur, by way of instance, when a property owner divides rights one of many heirs or sells a few mineral rights but keeps others. A landowner can also opt to promote mineral rights to numerous buyers, each of whom subsequently possesses the rights to a specific bit of land.

What are surface rights?

Surface rights really are, as its name suggests the rights to the face area of a bit of property. Including any structures on the land, in addition to the rights to farm the property or exploit aboveground resources like trees, plants, or water based on local laws and ordinances. Ordinarily, you have the right to dig into a particular depth for functions like installing septic tanks. Should you have surface rights, then you’re permitted to sell or transfer title to the property, but you may not sell or rent your house into an oil, gas, or mining firm for mining or extraction.

What are mineral rights?

Mineral rights are the rights to subterranean sources such as petroleum, natural gas, silver, gold, iron, aluminum, coal, uranium, and other nutritional supplements. In the event that you or a former owner have sold the mineral rights to your house, it means that you have just what is above ground. If the mineral rights holder would like to extract funds, they don’t require your approval to do so. They can perform exploratory drilling along with other evaluations to ascertain whether or not to invest in additional advancement, and they’ll probably have to put in equipment and infrastructure such as pumps, wells, mine shafts, access roads, and electricity lines.

There might be a necessity for the mineral rights holder to offer damages for any surface damage, but essentially, they have the right to utilize as much of their surface as is reasonably required for mineral exploration and extraction, even without asking your consent. Each one these actions will impact the overall look of your property and your capability to utilize the surface in a sense you see fit.

Matters to consider when Purchasing property.
After mineral rights are severed from surface rights, they stay like that. If you’re thinking about purchasing land, be certain you research comprised rights thoroughly prior to making any buying decisions, to prevent any unpleasant surprises in the future. You might believe that you’re purchasing both mineral and surface rights, just to find that the former owner has offered mineral rights to another party. If you already have property and aren’t sure which rights you’ve got, assess your house deed or mortgage certificates.

Oftentimes, an oil, gas, or mining firm will attempt to work out a program which can minimize disturbance, but if you wish to retain total control over your property, it is always best to buy both mineral and surface rights. In the event you decide differently, be certain that you are fully advised of who retains the mineral rights and how this may influence your usage of the house.

Filed Under: Land for Sale, Ranches for Sale Tagged With: land for sale in texas, ranches for sale in texas, real estate tips, texas ranch land for sale

Fence Options For Your Land

January 16, 2021 by chorton Leave a Comment

You have found the ideal parcel of property, but the absence of a fencing means you might need to buy a fencing to suit your premises. Or maybe you’re trying to market some rural property, and are concerned that prospective buyers could be switched off from the lack of fence.

In any event, there are lots of choices for property fencing it’s possible to pick from. And, along with bringing potential buyers within an increasingly competitive property market, a lot of the next fencing choices may also help increase property value too. Think about the next land fencing alternatives and select one which best fits your requirements.

Corral panels are perfect if you’re only trying to place a few no-nonsense fencing around your property. The panels are easy to install and join, and frequently don’t even ask that you dig some postholes. Using corral panels to weapon a tiny area is more achievable in cost but not very functional for larger regions,

Flex railing is often chosen instead to strong plastic railings. They’re also fairly maintenance free and a few designs look like wood fencing.

Stock panels are easy, functional, and cheap alternative for those just trying to property fence without fretting about just how nice it seems.

Vinyl railing typically selected more for appearances, this really is a good alternative in the event that you would just like to create the fencing around your property appear fine, however they are not a sensible alternative for horse owners, because rails can easily be knocked out of place. Aside from that, they are simple to fit into articles, and do not require painting or staining.

Continuous steel railing a fantastic pick for placing land fencing around bigger areas, constant steel rail is attached to wooden poles, which makes a seamless fencing line.

Horse fence is obviously a fantastic selection for anyone who have horses in the house. It’s comprised of woven cable incorporated using a tight mesh. It empowers a horse to walk close to the weapon without the probability of this horse’s hooves becoming caught in conventional fencing or railings. It’s likewise affordable and may be connected to fence posts to enhance the sturdiness. As an additional bonus, this kind of fencing is able to appear appealing, raising land value. It’s best installed by an expert however, as it requires some skill and expertise to extend the woven wire fencing correctly from post to post.

Coated wire fencing is usually chosen as a substitute for cable fencing and can be assembled from electrical fence wire that’s been wrapped into a plastic coating. It is a fairly simple kind of fencing, excellent for people who only need some type of property fencing. It’s more powerful than a conventional wire fence along with the plastic coating provides more visibility too. Some forms of coated wire may also be deciphered.

Barbed wire is not quite appealing but certainly cheap, weatherproof wire fencing is acceptable for those who have possessions, but not always horses, since they are sometimes hurt by the fencing. Handling barbed wire fencing is clearly not without problem and necessitates careful patience and a great deal of gloves.

Electric fencing is simple to build around a large part of property and is comparatively cheap also. But a lot of individuals generally use electric fencing as a temporary remedy to other sorts of property fencing, unless there’s livestock on the property, in which case it’s more sensible. Otherwise, the fencing may frequently be quite brittle, and the minimal visibility makes it a problem for many. In general, it is a handy alternative for temporary fencing but requires continuous maintenance to guarantee the strands do not become loose and stay functional.

Natural fencing consistently looks quite appealing and there are definitely a broad assortment of styles to pick from. Any of them can help increase land value, but costs can vary based on height, style, and needless to say, just how much property is necessary. For large regions of property, natural timber fencing can be extremely costly depending on the style. Furthermore, natural fencing frequently requires postholes, in addition to routine treated or painting every so often. Massive amounts of pure fence can grow to be very labor-intensive, therefore many property owners shy away from this kind of fencing alternative based on that factor alone.

When contemplating your fencing options, it may be best to speak with a fencing specialist. He or she’ll take under account what your property is used for and just how big a parcel it is, and make the best recommendation based on your requirements and budget.

Filed Under: Home Improvements, Land for Sale, Ranches for Sale Tagged With: horse ranch, land for sale in texas, landwatch texas, texas ranch land for sale

Have You Outgrown Your Home?

January 15, 2021 by chorton Leave a Comment

It might appear difficult to imagine the house you’re in now — if it is your starter house or one you have fallen in love with — may not be your forever home.

Many needs have shifted in 2020, and it is fine to acknowledge if your home no more matches the way you live. If you are working remotely, easing virtual college, attempting to exercise in the home, or just spending additional time in your four walls, then you could be bursting at the seams in your existing property.

As stock has diminished and need has increased, prices are driven up. This is excellent news if you have a house and you are considering selling. The equity on your house has probably risen as costs have increased.

If you think you’ve outgrown your current home, reach out to one of our agents to discuss local market conditions and determine if now is the best time for you to sell.

#stephenvillehomesforsale #realestate #homesforsale

 

Filed Under: Homes for Sale, Real Estate Advice, Selling Your Home Tagged With: Homes for sale Stephenville TX, real estate advice, selling a home

Finding A Better Home Insurance Deal For Your First Home Purchase

January 14, 2021 by chorton Leave a Comment

When you buy a new home, you might be surprised to discover how quickly all the various fees associated with the house purchase accumulate. One of the greatest foes you will face is paying for a new homeowner’s insurance coverage so that you can be qualified for a mortgage. The good news, though, is that there are ways to find competitive prices that will assist you free up some money to put toward other home costs.

Pay Down Debt
If you’ve got the financial resources, it’s a fantastic idea to pay down some credit card and student loan before shopping for homeowner’s insurance. That’s because excess debt will decrease your credit score along with a lower credit rating will frequently result in higher insurance prices.

Shop Around
Since different insurance businesses rely on different metrics to ascertain your premium, it is very important to shop around to try to get the very best rate. Additionally, it is vital to consider companies of all sizes, even if it means calling rather than putting on your data online. In regards to homeowner’s insurance, make sure the organization that you choose can offer decent service so that if and when you need to make a claim, you don’t suffer simply because you picked the firm with the cheapest rate.

Bundle Policies
Another fantastic way to save on homeowner’s insurance would be to unite your homeowner’s coverage with your vehicle insurance policy. To help bring in more business, most insurance businesses offer a fairly considerable discount if you choose to combine multiple coverages. Besides saving you money, choosing this strategy can help make payments more simple because you’ll just be using one company.

Look Backward
In case you’ve carried a renter’s insurance coverage before buying property, you could be entitled to a reduction, especially if you stick with the exact same insurance company. That’s because insurance companies may look at your previous claim history and see if you’re a low-risk individual. If you don’t have any claims, you might be eligible for some savings. Since many insurance agencies use many companies to provide various policies, it’s important that your main insurance provider is aware of your past policies.

Even in the event that you don’t initially get the purchase price you need for homeowner’s insurance, there is still hope. Since you establish yourself as a low-risk person in your new home and show your loyalty to a specific insurance company, you may see your rates fall from year to year. That is why it’s very important to work as hard as you can to stay claim-free during your first couple of years of homeownership so you can enjoy the savings that are yet to come.

Filed Under: Buying a home Tagged With: buying a home, first time home buyer, homeowners insurance, Homes for sale Stephenville TX, mortgage programs

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Preferred Properties of Texas

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