Tom Jeser El Paso Real Estate   Welcome to Home Realty Company

Yahoo News - Latest News & Headlines

At Least 5 Dead In Violent Clashes In Nicaragua Over Social Security ChangesFour young protesters and a police officer were killed in increasingly violent


4/20/2018 9:17:32 PM

Photos of the week: 4/13 - 4/20The matriarch of the Bush family Barbara Bush died this week at the age of 92.


4/20/2018 1:56:23 PM

Ex-sanctions czar bashes Obama administration's 'weak' response to Russian interferenceDan Fried, the former State Department diplomat who oversaw sanctions policy, told the "Skullduggery" podcast that he was “extremely” frustrated when the Obama administration issued “weak” and “frankly inadequate” sanctions against Russia for interfering in the 2016 presidential election.


4/20/2018 6:29:44 AM

2 Florida Deputies Shot Dead While Eating At Chinese RestaurantTwo deputies were killed when a man shot at them through a window while they


4/19/2018 9:23:44 PM

Dog feared to have cancer had actually eaten four teddy bears... but vet didn't realise until midway through operation A dog feared to cancer had actually eaten four teddy bears, but the vet did not realise until halfway through the operation. Eight-year-old St Bernard Maisy was taken for a CT scan after she was taken ill, which showed a mass on her spleen and an unusually full stomach, seemingly showing she had not digested her food properly. Her owner, Jane Dickinson, from Dewsbury in West Yorkshire, feared the worst as she took her pet to Paragon Veterinary Referrals in Wakefield. It would not be unusual for Maisy, an elderly dog, to have cancer at her advanced age. However, vet surgeon Nick Blackburn ruled out any fatal disease when he carried out the operation to remove Maisy’s spleen and found her stomach was full of soft toys. Maisy is now reportedly 'loving life' Credit:  Paragon Vet Referrals / SWNS.com He said : "It's fair to say this was not something we were expecting to find! We all know certain dogs enjoy chewing things they shouldn't but managing to devour four full teddy bears is quite a feat. "I know Jane was worried about Maisy as she is quite old for a St Bernard, so we were naturally delighted the operation was such a success and we were able to return a happy, healthy dog to the Dickinsons.” Her owner said she had never seen the gentle giant chewing or eating toys, but that now the operation has been completed Maisy is “loving life”. An x-ray showing the teddy bears within the stomach. Credit: Paragon Vet Referrals / SWNS.com Ms Dickinson explained: "When Maisy went in I did think 'is she coming out?' but she is loving life now - it's like she's got her youth back. "The toys weren't even hers! She will steal the chihuahuas' toys and play with them but I've never seen her trying to chew them. Her eating habits had been completely normal. "I didn't even recognise one of the toys - my brother also keeps chihuahuas and it turns out it belonged to his dog." Maisy has since made a full recovery from her operation and a histology report has shown no signs of cancer.


4/20/2018 8:17:15 AM

Classic Recreations ready to churn out original Boss and Mach 1 MustangsIt's been a while since we last heard from the folks at Classic Recreations, but they've been busy. It turns out the Oklahoma-based company has secured a license from Ford to recreate some of the automaker's most cherished Mustangs. It will be a Boss 429, a car CR says only it's allowed to build under license.


4/19/2018 10:11:00 AM

Natalie Portman Backs Out Of Israel Award Over 'Recent Events'Actress Natalie Portman has pulled out of accepting a prestigious award in


4/20/2018 4:49:31 AM

No surprise: Charles to succeed queen as Commonwealth headLONDON (AP) — Prince Charles has spent a lifetime waiting to be king. On Friday the 69-year-old heir to the British throne got another position to wait for — he was approved as the next head of the Commonwealth made up of the U.K. and the countries that once were its colonies.


4/20/2018 3:55:14 PM

Judge rejects Missouri governor's bid to dismiss criminal caseA St. Louis judge on Thursday dealt Missouri Governor Eric Greitens another legal setback in the sex scandal embroiling his office, refusing to dismiss a criminal invasion of privacy charge stemming from an admitted extramarital affair. The decision by Judge Rex Burlison paved the way for the single-count felony case against Greitens, a Republican under mounting pressure from both parties to resign, to proceed to trial even as he comes under scrutiny for unrelated accusations of computer tampering. Greitens' lawyers last week sought to throw out the privacy case on grounds of prosecutor misconduct, saying St. Louis Circuit Attorney Kim Gardner, a Democrat, had tried to conceal video evidence supporting the governor and his assertions that the affair was entirely consensual.


4/19/2018 5:17:22 PM

Two Florida sheriff's deputies ambushed at restaurantAuthorities in Florida are looking for answers after two sheriff's deputies were shot through the window of a restaurant. ABC News' Diane Macedo reports.


4/20/2018 4:32:47 AM

Thinking About Buying Your First Home?


Thinking about purchasing a home of your own? Keep these critical considerations in mind:

How long you plan to live in the home.
If you purchase a home and get a job transfer or decide to move after only a short time, you may end up paying money in order to sell it. The value of your home may not have appreciated enough to cover the costs that you paid to buy the home and the costs that it would take you to sell your home.

HappyPeople03.jpgThe length of time that it will take to cover those costs depends on various economic factors in the area of the home. Most parts of the country have an average of 5% appreciation per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. If the area you buy your home in experiences an economic up turn, the length of the time to cover these costs could be shortened, and the opposite is also true.

How long the home will meet your needs.
What features do you require in a home to satisfy your lifestyle now? Five years from now? Depending on how long you plan to stay in your home, you'll need to ensure that the home has the amenities that you'll need. For example, a two-bedroom dwelling may be perfect for a young couple with no children. However, if they start a family, they could quickly outgrow the space. Therefore, they should consider a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you'll need will help you find a home that will satisfy you for years to come.

Your financial health - your credit and home affordability.
Is now the right time financially for you to buy a home? Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, solid lenders are more skeptical if your credit history is not good. Generally, a couple of blemishes on a credit report will make you a good credit risk and could qualify you for the lowest interest rates. If you have more than a couple of blemishes on your report, lenders like Quicken Loans may still provide you with a loan, but you may just have to pay a higher interest rate and fees.

Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. This is a decision only you can make. Are you in a position where you expect to make more money soon? Would you rather be conservative and fairly certain that you can make your payment without stretching financially? Make sure that whatever you do, it's within your comfort zone.

To determine how much home you can afford, talk to a lender or go online and use a "home affordability" calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential and other factors, lenders can push the ratios up to 40-60% or higher. While we're not advocating you purchase a home utilizing the higher ratios, its important for you to know your options.

Where the money for the transaction will come from.
Typically homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk to a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender.

The ongoing costs of home ownership.
Maintenance, improvements, taxes and insurance are all costs that are added to a monthly house payment. If you buy a condominium, townhouse or in certain communities, a monthly homeowner's association fee might be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your realtor and your lender aware of your desire to limit these costs.

If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to help you assess how a home purchase fits into your overall financial goals.

5 Things Everyone Needs to Know Before Purchasing Their First Home
You’re going to buy a home. You’re going to invest in your future (instead of investing in your landlord’s future!). You’re going to own a little piece of your city and have a place to truly call your own.
First Name: 
Last Name: 
Email: 
Phone: 
Comments: 
 
* * Maximum of 2000 characters


Your Opinion


What will you spend extra money on when buying a house?
Tom Jeser (915)-525-8812 Email Tom