Volunteer as a Child Advocate with Tulsa CASA

Click here to learn more about how Tulsa CASA advocates for children

Tulsa CASA (Court Appointed Special Advocates) is a non-profit organization which trains volunteers to speak in the best interest of abused and neglected children in the court system. Their purpose is to ensure kids in high-risk situations are given advocates to speak out for them in hopes of achieving the best possible outcome.

The CASA volunteers represent children in the court system by getting to know their circumstances and speaking on their behalf in court. The volunteers may meet with the child’s teachers, family, DHS workers, and therapist, then offer their recommendation to the judge.

A CASA volunteer plays a significant role in the lives of these children. Often, these children are moved from home to home and the CASA volunteer may be the only consistent person speaking for them. The CASA volunteer will remain in contact with the child until their case is closed, and may be the only person the child feels they can trust during this process.

If you wish to make a difference in the life of a child, please reach out to Tulsa CASA at (918) 584-5740 and visit their website at tulsacasa.org.

Darryl Baskin features non-profit organizations on his radio show, “The Future of Real Estate”. If you know of a non-profit organization we can feature, please reach out.

For real estate questions, contact The Baskin Real Estate Specialists of eXp Realty at 918-732-9732, or schedule an appointment at askinforbaskin.com  

How to Hit a Home Run as a First Time Home Buyer in the Tulsa Area

Click here to join “The Future of Real Estate” and learn more tips on how to have a smooth process when buying a home

Trina Davis, of eXp Realty, invites you to join her for a free 30-minute consultation over a cup of coffee. There’s no cost, or obligation, to sit down and have an interview. You can reach out to Trina at 918-906-2649.

Buying a home is one of the best ways to build wealth and create stability. As you begin the process of buying a home, take time to sit down and interview agents. Look past the hype and excitement of buying a house and review the necessary facts.

One of the first steps to pursue when buying a home is to get your finances in order. Meet with a lender to get pre-approval and set a budget. This process will help you to know how much you have to work with, and establish realistic expectations from the beginning.

Pre-Qualified vs. Pre-Approval

When seeking your pre-approval letter, there’s a difference between “pre-approved” and “pre-qualified”.

Pre-Qualification

The lender accepts your application, the information you give them, and they say “you qualify for this amount of money”. They may provide you with a letter which says you are pre-qualified. However, the pre-qualification doesn’t actually go through the steps to verify the information is correct. It’s not a pre-approval. The letter may say “subject to verification of assets, income, or employment”.

Pre-Approval

A pre-approval letter is a reliable letter which indicates the applicant has been through underwriting. The information has been verified, including income and assets. This letter assures the real estate agent and seller, that the lender qualifies for “this much” money. Therefore, if the lender submits a contract, you can rely on it, and that they are ready to proceed.

TTCU Federal Credit Union offers options which are great for first-time home buyers, including two conventional type loans which allow for no money down, however the buyer is responsible for closing costs. Keep in mind, down payments and closing costs are separate. The down payment is the amount being paid towards the home, while closing costs include all the “extras”, such as taxes, insurance, escrow, and lender fees. Additionally, TTCU Federal Credit Union will take 0.125 percent off your interest rate when you close with them; the loan must be a purchase transaction and close at Integrity Title and Closing. TTCU offers some of the lowest closing costs in Tulsa! Visit ttcu.com to fill out an application online, or get more information.

This stage of the home buying process isn’t glamorous or fun, but it is the foundation of your home search. It’s possible your dream home receives multiple offers. Having your pre-approval letter from a reliable lender may help your offer get accepted.

While buying your first home is exciting, there’s a potential for issues to arise along the way. It truly helps when you choose a Realtor® who is experienced and knows how to try and prevent these issues from arising.

Schedule an appointment with The Baskin Real Estate Specialists, with no cost or obligation, visit askinforbaskin.com.

 

Featured Properties

  • 7957 S 78th East Ave. – Located in Sweetbriar. Wonderful layout with 3 bedrooms downstairs plus bedroom suite and theater upstairs. Semi-detached office w/outside entrance, outdoor living area. Great value! Listed at $225,000
  • 6708 S Atlanta Pl – Spacious home with 4500 SF; 2 bedrooms on first floor, 2 upstairs with possible 5th bedroom, formal living, dining, and family rooms. New hardwood floor and plenty of closet space! Office with separate entrance and Circle driveway. Listed at $294,000
  • 8954 W 51st Street – Well priced Grand Colonial home with beautiful entry! 9042 SF on 5 acres, 6 bedrooms, 6-full/2-half baths, chef’s kitchen, and 8-car garage. Listed at $999,999

For a complete list of active listings, visit homeguidetulsa.com.

Photo attribution: www.ccPixs.com

 

Tulsa Homeowner Tips: Testing and Replacing a Doorbell

To hear more advice from Murray Electric on choosing and replacing a doorbell, click here

Are you considering replacing your doorbell? Whether you’re looking to update an outdated doorbell or replace a broken one, Steve from Murray Electric has helpful tips to guide you.

There are two basic types of doorbells:

Wired Doorbell

A wired doorbell is hard-wired into your home’s electrical system. A switch is located inside the button beside the door. The switch is connected to a terminal which is attached to a transformer. These units have wires connecting to the chiming unit. Typically, the transformer is in a separate location, such as the attic or basement. The benefit of having an electric doorbell is its reliability, as it doesn’t depend on a battery.

Wireless Doorbell

A wireless doorbell connects the transmitter switch to the chime with radio waves. As a result, no wires are needed. Unlike the wired doorbell, this unit contains only a switch and transmitter unit inside the button. The receiver is placed inside the home. When the doorbell is pushed, the transmitter sends a signal to the receiver; however, the receiver must be within range of the transmitter. Also, these units are typically battery-operated, and require a bit more maintenance. Some will emit a beeping sound when the battery is low, and several can be plugged into an outlet.

Additional features to consider when choosing a new doorbell are the type of chime, material, color, style, lights, size, and if you want a smart doorbell. Doorbell buttons are available in a variety of styles to match your décor. Smart doorbells function by connecting to your home’s internet. Many have small cameras that allow access via your smartphone, and have recording capabilities.

When your wired doorbell stops working, the cause may be the chime, transformer, button, or the wiring. There’s a way to test it yourself to help identify the issue.

Test the button:

Remove the doorbell button from the wall to expose and loosen the wires. Touch the ends of the two wires together. If you hear a chime, then you know it is the button which is broken. If there’s no chime, then the problem may be with the chime, transformer, or wiring.

Test the chime:

You will need an o-meter to test the wires. Start by taking the wires at the doorbell button, twist them together, and then go to where your chime is. There should be a set of wires which, when you put the leads of your o-meter on, will show a closed or short. If you have a short condition, the wires are good.

If you decide you would rather not do it yourself, call Steve at Murray Electric. He’ll let you know if you need a service call, or if it’s something simple you can do yourself. Also, when you call Murray Electric, you will always reach a licensed electrician to assist you!

Contact Steve at Murray Electric in Tulsa, at 918-835-9605 or www.murrayelectric.com.

For more real estate questions, contact The Baskin Real Estate Specialists of eXp Realty at 918-732-9732 or darrylbaskin.com

Buy a Home with No Down Payment in Tulsa, OK! See all Your Financing Options at TTCU Federal Credit Union

Click here to learn more about your home financing options in Tulsa

TTCU Federal Credit Union, in Tulsa, has a selection of financing options available for home buyers. They offer two conventional type loans which allow for no money down. These options include:

  • 100% Financing – You can buy a home without a down payment. This 100% single loan requires a 720 credit score, with adequate credit history, plus closing costs.
  • 80/20 Combo Loan – This loan breaks up the costs, 80% is applied to a first mortgage and 20% is applied to a second mortgage. This loan requires a 680 credit score. and some established credit history, plus closing costs.

Keep in mind, down payments and closing costs are separate. The down payment is the amount being paid towards the home. With the financing options mentioned above, no down payment is needed; however, the buyer is responsible for closing costs. Closing costs include all the “extras”, such as taxes, insurance, escrow, and lender fees. When you purchase a home, you’re required to pay 1 year of insurance upfront. Also, money has to be put into a monthly escrow account so when insurance and taxes are due, the money is available.

There are options available to help with closing costs as well. Most programs will allow the seller to pay up to 3% of the sales price towards your closing costs and “pre-pay” items. Take the time to investigate all your options and see how they fit in with your budget. Often, when closing costs are quoted, they don’t include the escrow, so be sure to ask about all fees. Be vigilant when choosing a lender. There have been instances in which buyers received a pre-approval letter, yet they weren’t actually pre-approved! As a Realtor®, when Darryl Baskin sees a pre-approval letter from TTCU, he knows he can trust it.

If the financing options listed above don’t meet your needs, TTCU offers additional programs, such as VA, bridge, home equity, and home improvement loans. Also, TTCU Federal Credit Union will take 0.125 off your interest rate when you close with them; the loan must be a purchase transaction and close at Integrity Title and Closing. TTCU offers some of the lowest closing costs in Tulsa! Visit ttcu.com to fill out an application online, or get more information.

Taking the time to research financing options is part of the “18 Essential Steps” suggested by Baskin Realty Specialists. Buying a home can be a challenge, but when done correctly, it’s a smooth process.

For more information on interest rates, or to complete a loan application online, contact Dan Newbury at TTCU Federal credit Union or visit ttcu.com.

To schedule an appointment with Baskin RE Specialists, with no obligation, visit askinforbaskin.com.

Featured Properties

  • 7957 S 78th East Ave – 4BR, 3 baths, 2-car garage, outside entrance office, pergola. $225,000
  • 8954 W 51 St – 5 acres, 9042 SF welcoming, beautiful family home with classic colonial style entry. The 8-car garage offers room for a workshop or storage. $999,999
  • 6708 S Atlanta Pl – 5BR, 3 full baths, office w/separate entrance, new hardwood floor, 2 bedrooms downstairs and optional 2nd master upstairs with private staircase $296,000

 

Time To Put Up Your Christmas Lights in Tulsa, OK!

Click here & join The future of Real Estate to hear more about why now is a good time to put up your outdoor Christmas lights in Tulsa & how to prevent electrical hazards.

You don’t have to turn them on quite yet, but November is the perfect time to start planning and getting your Christmas lights set up. If you wait until December, you may be setting up decorations in the cold, freezing rain, or snow; which can be dangerous. Getting the decorations up now, while it’s still comfortable outside, will help prevent mistakes and accidents.

Also, check to be sure you’re using the right extension cord for indoor and outdoor use. The type of material on the cord is what makes it safe for outdoor use as it’s designed so it won’t crack. How can you tell the difference between indoor and outdoor cords? Indoor cords look like two pieces of cord put together; they have a seam down the middle. The outdoor cord is sealed, round, and the plug is one molded piece. You don’t want to use less than a 14 gauge wire. The cord should have “14 awg” stamped all over it. Also, use a 3 prong conductor so that it’s grounded.

You may have an outdoor outlet that isn’t grounded, meaning it only has 2 prongs rather than 3. In this case, you should replace the outdoor 2 prong outlet with a GFI (ground fault interrupter). The GFI will act as a safety when there’s no ground. You can use a GFI any time you have concerns about an outlet not being safe.

If you have more questions about installing your Christmas lights safely, or have electrical needs, contact Steve at Murray Electric in Tulsa, at 918-835-9605 or www.murrayelectric.com

For more real estate questions, contact The Baskin Real Estate Specialists of eXp Realty at 918-732-9732 or darrylbaskin.com

18 Essential Steps for Homebuyers from Baskin Realty Specialists

To hear more on the 18 Essential Steps of Buying a Home in Tulsa, click here

Buying a home is a process with many steps involved. We at Baskin Real Estate Specialists, have broken down the home buying process into 18 essential steps. We take the time to sit down with you and walk you through each of those steps.

We understand that every homebuyer has different needs, and those needs vary on the stage of life you’re in. Our main goal isn’t to get a deal closed as quickly as possible; we’re in the business of building life-long relationships. We do that by keeping our clients best interests close at heart and finding the house that’s perfect for them.

If you’re thinking of buying or selling a home in the Tulsa, OK region, reach out to Baskin Real Estate Specialists for a complimentary meeting. There’s no obligation and no cost. We would love the opportunity to meet with you to tell you why we have been in business for so long and why we have great customer satisfaction ratings.

To schedule a complimentary appointment, contact The Baskin Real Estate Specialists of eXp Realty at 918-732-9732 or schedule an appointment online at askinforbaskin.com