Coming Soon – The Shady Lady

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ComingSoon 1909Scenic

Sneak Peek at “The Shady Lady” Coming Soon Property on 1.5 lots in Tradewinds at Cedar Creek Lake. 2BR/3BA/2Car garage. The detached garage has a full bath and could be converted as a guest house. As you can guess – it has lots of shade trees with a southern breeze. Double deck boathouse and lots of outdoor space to entertain. List price $325,000. | Debbie and Bruce Schwanbeck at Ebby Halliday Realtors Cedar Creek Lake 469.283.8656

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Just How Good Are Interest Rates?

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Who remembers the days of ‘double-digit’ interest rates?  Bruce and I sure do.  We were very young and persuaded into a home loan that ended up being a very bad move.  By the time it was over, we had an interest rate that I don’t even want to think about or say aloud.   Even though it had some consequences that took some time to recover from, we learned alot.  It has made both of us better realtors and our clients certainly appreciate our knowledge and experience.

Just How Good Are Interest Rates?

Rates for a 30-year fixed mortgage have hovered around 4% in the past week after hitting a 12-month high near 5% in November. While those tenths of a percentage point will matter to your clients’ monthly payments and how much they can afford, taking a step back can reveal just how inexpensive homebuying is right now.

Mortgage rates neared 19% in the early 1980s before dropping off by the ’90s and staying under 10% since 1991. During the run-up to the housing crisis, rates for a 30-year mortgage neared 7% before reaching post-crisis lows of 3.31% in 2012.

30-year fixed rate mortgage average in the United States from 1971 till May 2019

Homeowners who have taken out a mortgage in the past decade have been able to borrow at historically low interest rates. More than 80% of households with a mortgage pay between 3% and 5.9% in interest, according to the U.S. Census Bureau’s 2017 American Housing Survey. Nearly 95% of mortgage holders have fixed-payment mortgages.

Shopping around for the best rate will save your clients money, and they can use online tools like from the Consumer Financial Protection Bureau to examine how rates will impact their monthly payments. But week-to-week fluctuations in mortgage rates shouldn’t obscure how relatively inexpensive borrowing for a home is currently.

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

SOURCE:  Texas Realtors

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

8 Eye-Opening Things Home Inspectors Can’t Tell You

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This is a good article about inspections that is share worthy.  Debbie Schwanbeck

By: Leanne Potts

Published: December 21, 2018

What’s included in a home inspection may not be as important as what isn’t.

A home inspection may feel like a final exam, but it’s not quite so clear cut. Your inspector’s report won’t include a clear-cut  A+ if a house is a keeper or an F if it’s a money pit.

What is included in a home inspection report is a set of neutral facts intended to help you decide on a home’s final grade.

Oh sure, a seasoned inspector will know if a home is a safe bet or full of red flags. But they’re actually bound by a set of rules that limit what they can tell you.

Here’s what they can’t say:

#1 Whether They Would Buy This House

Here’s the big one: Many buyers think an inspector will give them a thumbs up or thumbs down, but they can’t. Giving real estate advice violates the International Association of Certified Home Inspectors’ code of ethics.

Clues to look for: Count up your issues. “The average inspection turns up around 20,” says Larry Fowler, a home inspector in Knoxville, Tenn., who has done around 10,000 home inspections in his 22 years in the business. “If there are more than 30 items, you may have a bad house,” Fowler adds. “If there are fewer than 10 items on the list, you may have a bad inspector.”

The bottom line is that every house and buyer are unique and what inspection results one person is fine with, another may not be. Confer with your agent once you have the report.

#2 If It Has Termites, Rats, or Mold

Yikes! You might assume this trio of homewreckers would be part of every house inspection checklist, but your inspector isn’t licensed to look for them.

Clues to look for: Inspectors can note that those sagging floors are evidence of termites, or that shredded insulation is evidence of rats, or the black stuff on the walls is evidence of fungal growth. To turn evidence into proof, ask a specialist for a follow-up inspection.

#3 If the Pool or Septic System Are in Good, Working Order

Home inspectors aren’t certified to inspect everything that could appear in any home. So for example, if there’s a pool, some may turn on the pool pump and heater to make sure they work, but they won’t look for cracks or plumbing leaks. You’ll need to find a pool inspector. In other cases, you may need a septic systems or wells expert, an asbestos or radon specialist, etc.

Clues to look for: Any special feature is your cue to find a specialist. “We’re general practitioners,” Fowler says.

And here’s a bonus tip: Consider a home’s advanced age a “special feature,” as they’re likely candidates for lead paint, asbestos, and other old-home hazards.

#4 That They’re Making The House Look Worse Than It Is

Some inspectors make note of every tiny thing in a house, even inconsequential ones. Like chipped paint. Scratched windows. Surface mold in a shower. These folks are sometimes known as deal killers. “Some inspectors like to show they know more than somebody else,” Fowler says. “It’s annoying.”

Clues to look for: If your inspector’s report is pages long and full of items that won’t hurt the value of the home, it’s probably not a big deal. Sit down with your agent, and go through the report to determine which (if any) issues could affect your offer.

#5 If That Outlet Behind the Couch Actually Works

An inspector can only check what they can see without moving anything. This means the foundation could be cracked behind that wood paneling in the basement. Or the electrical outlet behind the sofa might not work.

Clues to look for: The inspector should note if they’re unable to inspect something critical. Consult with your agent about what to do, such as asking the seller to take down the paneling or offering to pay to have it removed. Alternately, offer a lower price.

#6 Whether They’ve Inspected the Roof Closely

Some inspectors will climb up on the roof to look closely at shingles and gutters — but they’re not required to. If it’s raining or icy, or the roof is steep or more than two stories high, they can stay on the ground and report what they can see from there.

Clues to look for: They should note whether they walked the roof, but if it’s not clear, ask. If they haven’t, keep this in mind when evaluating their roof inspection report. They should still note any missing or damaged gutters or downspouts and the general condition of the roof based on what they can see from the ground.

#7 What You Should Freak Out About (or Not)

It’s an inspector’s job to find things wrong with the house. Big things, little things, all the things. It’s not their job to categorize them as NBD or OMG. A checkmark next to a crumbling foundation will look the same as a checkmark next to chipped paint.

A few things you may find on an inspector’s report that aren’t a big deal:

  • Condensation in a basement or crawl space
  • Early signs of wood rot on trim
  • Cracks in bricks from the house settling
  • Faux stone siding that’s been improperly installed
  • Radon levels below 4 pCi/L

These items, however, could trip your freak-out response (if you’re not prepared to address them):

  • Standing water in a basement or crawl space
  • HVAC not working
  • Outdated wiring, especially knob-and-tube wiring or aluminum wiring
  • Wood rot
  • Old plumbing pipes
  • Radon levels above 4 pCi/L

#8 Who They’d Recommend to Fix It (and How Much It Will Cost)

Your inspector may seem like the perfect source of insider info on repairing issues they see all the time, but the opposite is actually true.

You don’t want your inspector to make financial decisions based on their report. Think about it: If an inspector’s buddy Steve gets a plumbing gig every time a certain issue turns up on a report, it gives that inspector some pretty big (and not cool) motivations to find that issue.

Even giving you a price range for the repair is off-limits. It’s not their area of expertise, it creates a conflict of interest (they could be endorsing Steve’s great deal, after all), and, perhaps most importantly, it’s against the ethics rules.

Clues to look for: This is good home ownership practice. Try to price out every item on your home inspector’s report, big and small. Do some research, and call three contractors or check out three retailers for the service or part needed to resolve each issue. You’ve got this, future homeowner!

Related: What to Expect During a Home In

 

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

How to Get Rid of Awful Smells When Selling Your House | HouseLogic

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You probably only think you’ve eliminated pet odors. Here’s how to make sure.

Source: How to Get Rid of Awful Smells When Selling Your House | HouseLogic

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  Click here to view the listing.   Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Build a Home in the Gated Enclave at Cedar Creek Lake

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Build your own dream home in the exclusive gated Enclave subdivision at Cedar Creek Lake on the southeast side of the lake.  The lot is .67 acres and dimensions are 67(street) x 217x148x31x216.  List Price $65,000.  This gated subdivision is small and quiet with protected water.  This subdivision is very close to the Pinnacle Club golf course.  0 Avery Lane, Mabank TX 75156 | Debbie and Bruce Schwanbeck, Ebby Halliday Realtors Cedar Creek Lake 469.283.8656  Click here to view the listing.

#CedarCreekLake #Schwanbecks #ForSale  #GetMoving #CedarCreekLakeTeam #TheresNoPlaceLikeHome  #LakeRealtor #YayWeekends #LifeIsBetterAtTheLake #BuildAtTheLake

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Island for Sale at Cedar Creek Lake

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Here is your chance to develop one of the last islands left on Cedar Creek Lake.  Premier location on Cedar Creek Lake surrounded by Water!  Idyllic commercial property with 1,384 water frontage on 4.71 acres. Highway frontage is 688.  Original plat was 7.06 acres of which approximately 6 acres is useable and is comprised of 4.71 acres in fee simple and approximately 1.25 acres in easement. Utilities are already on the land.  The property is ideal for Townhomes, Residential homes or a Hotel.  The site is basically level to gentle sloping and slopes downward to the waterfront along the NW, NE and SW.  Conceptual drawings and surveys are available for Townhomes, residential homes, hotel, and marina.  What a perfect spot to build on – with Amazing and Wide Open Water Views.   This is one of the last islands left in Gun Barrel City at Cedar Creek Lake.  See website for more details, drawings & concepts.  The island is temporarily being leased by Austin Road and Bridge while the 2 new lanes are being built that will allow more traffic through on the lake bridge from Gun Barrel City to Seven Points.
0 Hwy 334, Gun Barrel City TX 75156 | Debbie and Bruce Schwanbeck, Ebby Halliday Realtors Cedar Creek Lake 469.283.8656  Click here to view the listing.

#CedarCreekLake #Schwanbecks #ForSale  #GetMoving #CedarCreekLakeTeam #TheresNoPlaceLikeHome  #LakeRealtor #YayWeekends #LifeIsBetterAtTheLake #SevenPoints #GunBarrelCity #Tool #Mabank #Trinidad #CedarCreekLakeIsland

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Luxury Lakefront Living at Cedar Creek Lake

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Luxury Lakefront Living – Enter the gated Pinnacle Club at Cedar Creek Lake and wind through pretty landscape.  See roaming deer, cross a quaint red bridge and have access to driving range, practice field, golf course, clubhouse, dining, pool, tennis court, picnic pavilion, heliport pad and the Lake.  Custom waterfront home has lovely water views, open living, large kitchen, dining area, office-library, 1st floor lakeside master bedroom with spacious bath and closets, and 2 half baths.  Upstairs you will find 3 large bedrooms and 2 full baths and second living-media-game room looking over the lake. Room for expansion over garage (access door through one of the upstairs bedroom closet).  The laundry room has room for additional freezer and   perfect area to house the wine collection.  The 25×42 garage comfortably fits cars-trucks-RVs-boats-jetskis. Enjoy fun filled days in your private pool and playing yard games. The boathouse has a single boatslip, jetski lift and covered deck.  Life is better at the Lake.  Sign#197
 
222 Saint Andrews Dr E, Mabank TX 75156  | Debbie and Bruce Schwanbeck, Ebby Halliday Realtors Cedar Creek Lake 469.283.8656.   Click here to view the listing.

#CedarCreekLake #Schwanbecks #ForSale  #GetMoving #CedarCreekLakeTeam #TheresNoPlaceLikeHome  #LakeRealtor #YayWeekends #LifeIsBetterAtTheLake

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Noseblind To Your Home’s Odors | Remove Musty Smells

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You can become noseblind when it comes to odors in your house like basement mustiness. Here’s how to eliminate house odors you can’t smell but guests can.

Source: Noseblind To Your Home’s Odors | Remove Musty Smells

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  Click here to view the listing.   Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Fish Tales Begin Here | Cedar Creek Lake Fishing Cabin

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09b-106oakcrest-lakeside-06_dsc00085_6_7_mlsFish Tales Told Here! Waterfront home (109′ ft waterfront) on cul-de-sac with open floor plan and fireplace; four bedroom, two and a half baths.  The downstairs master bedroom has pan ceiling and slider doors out to lakeside.  Three bedrooms upstairs with balconies on both sides (one on the lakeside).  Kitchen has granite counters, backsplash, stainless steel appliances, and breakfast bar.  The lakeside has large combination composite and wood deck with mature shade trees.  Lovely nature view that deer like in the mornings and evenings.  There is a concrete patio for sunning and fishing.  The water in this area attracts swimmers and fishermen alike.  The boathouse has two boatslips.  Are you ready to start your “FISH TALES” at this waterfront property at Cedar Creek Lake? 106 Oakcrest Court, Trinidad TX 75163  | Debbie and Bruce Schwanbeck, Ebby Halliday Realtors Cedar Creek Lake 469.283.8656  Life is Better At Cedar Creek Lake.   Click here to view the listing.

#CedarCreekLake #Schwanbecks #ForSale  #GetMoving #CedarCreekLakeTeam #TheresNoPlaceLikeHome #LoveFishing #FishTales #LakeRealtor

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  And if Cedar Creek Lake isn’t the one for you, we have other East Texas Lakes to show you.  Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |

Easy Landscaping | Easy Maintenance Landscaping | Yard Tips

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Looking for some easy landscaping projects to kick up your yard’s curb appeal? These 5 projects from HouseLogic are easy, fast, and easy to maintain.

Source: Easy Landscaping | Easy Maintenance Landscaping | Yard Tips

Let the Schwanbecks Exceed Your Expectations!

We would love an opportunity to assist you in your real estate needs  – anywhere in the DFW metroplex or whether you want a lake home in East Texas.  Click here to view the listing.   Click here to view our website.  Click here to learn more about Cedar Creek Lake.

| Debbie and Bruce Schwanbeck, Realtors at Ebby Halliday Realtors DebbieS@ebby.com BruceS@ebby.com  469.283.8656 |