Tag Archives: Grady Carter

New OKC Listing (4 bed, 3.5 bath) – 1433 SW 71st

A well kept and discretely grand house just minutes from downtown Oklahoma City. Sitting on an oversized lot this split bedroom plan is ready for someone to come and make it their own. This home has 3 possible living rooms, and one could be kept as an office space. The storage unit in the backyard is large, and could be used as a workshop, or it could easily store equipment and motorized toys. This wonderful home is priced to sell, and ready for someone to love it!

Walk Through Tour – 1433 SW 71st St

New Listing Alert!!! If you are looking for a very well kept home in Oklahoma City come check this puppy out! 4 bedrooms, 3 and a half bathrooms, on a great big lot just minutes from downtown. Click on the links below if you'd like more information, or just call your Realtor to set up an appointment.

For more pictures click here —–> https://goo.gl/H3ihYp
To see the full listing click here —-> https://goo.gl/FCMTyE

Grady Carter
Metro Brokers of Oklahoma
Lic. #160723
(405) 474-2905

Posted by Grady Carter – Home Boy Real Estate on Thursday, September 7, 2017

 

Source: 1433 SW 71st — Premier House Tours

Campus Open House, Sunday 8/13 from 2:00 to 4:00 – 636 E. Boyd

What are you doing this weekend?! If you are going to be around Norman in the afternoon you should stop by and see me at 636 E. Boyd Street between 2:00 and 4:00 PM. This house is beautiful, and ready for someone to come and love on it. Who do you know who might want to live by campus in Norman? Well feel free to share this with them 🙂

 

Walk Through Tour – 636 E Boyd

New Listing Alert!!!

636 E Boyd Street, Norman, OK

Check out more pictures here —–> https://goo.gl/osR47t
And see the full listing here ——-> https://goo.gl/wdMnAw

Who is looking for an amazing campus home in Norman, Oklahoma?! Just an arrow's flight from The Mont Restaurant and The University of Oklahoma this amazing historical home has tons of character! It boasts: a split plan with 4 bedrooms, 3 bathrooms, 3 living/flex spaces, and a recently updated kitchen. The kitchen looks out over a fantastic covered patio just waiting to entertain before a game, or to sit on while a rain storm rolls through town. And don't miss the wonderful newly added Pella windows. And if you love older homes you will love these original hardwood floors. There is plenty about the house to tell you about, but I highly recommend that you just come and see it for yourself. Call your Realtor to set up an appointment today!

Grady Carter
Metro Brokers of OK
(405) 474-2905
https://goo.gl/mDdLE3

Posted by Grady Carter – Home Boy Real Estate on Thursday, July 27, 2017

New Listing Alert – 1604 Stonewood, 2.2 acres, 3 bed 2½ bath

I love this house! This house was made for that buyer looking for a little extra space – inside and out. It sits on 2.2 acres, and the split floor plan is conducive to entertaining or housing guests for a little while (or longer…). Having a total overhaul the finishings in the home are very nice. The sellers just needed a shop and saw a house that had what they were looking for, otherwise they would’ve never considered moving! If you know someone looking to make a move for a little bit more space in Norman this one might be worth sharing. Go on now, be a friend!

Walkthrough Video Tour – 1604 Stonewood Circle

https://goo.gl/lxJ6kP
New Listing Alert!!! – 1604 Stonewood Circle

This beautiful home has been completely renovated, and it is ready to be showed off! It has 3 bedrooms, 2 and a half bathrooms, 2 livingrooms, another bonus room, a 3 car garage, a great pool area out back, and a rubber roof! Come on in and check it out, and if you'd like to see it in person call your Realtor® and schedule an appointment.

For more details click here: https://goo.gl/lxJ6kP

Grady Carter
Realtor®, GRI
Metro Brokers of OK
Lic. #160723
(405)474-2905
www.HomeBoyOK.com

Posted by Grady Carter – Home Boy Real Estate on Friday, March 24, 2017

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723
(405)474-2905
HomeBoyOK@gmail.com

New Norman Listing: 3 Bed, 2 Bath Split Plan – $123,000!!!

Well here is a cute one!

https://goo.gl/wZwdje
New Listing Alert: We've got a cute one! This 3 bed / 2 bath little puppy hit the market this…

Posted by Grady Carter – Home Boy Real Estate on Thursday, March 16, 2017

NEW LISTING ALERT!!! – Walk Through Video Tour, 837 Carol Ann Place

Well, here is a new listing in Moore, Oklahoma that I really love!

837 Carol Ann Place – Walk Through Tour

NEW LISTING ALERT!!! – Walk Through Video Tour
https://goo.gl/r43j0B

*837 Carol Ann Place, Moore, OK 73160*
This awesome home has: 4 Beds, 2 Baths, a 3 Car Garage, an Office and a whole lot more! I'm happy to tell you more about this house, but you can just come on in for yourself by watching our walk through tour. Do you know anyone who might be looking for a house like this? Be their buddy and send them this video, or tag them in the comments. This home is looking for another great group to take care of it next! 🙂

For More Info See The Full Listing:
https://goo.gl/r43j0B

Grady Carter
Realtor®, GRI
Metro Brokers of OK
Lic. #160723
(405)474-2905
www.HomeBoyOK.com

Norman Board of Realtors, Oklahoma Association of REALTORS®, National Association of REALTORS®

Posted by Grady Carter – Home Boy Real Estate on Thursday, March 2, 2017

For More Info See The Full Listing:
https://goo.gl/r43j0B

How Long Do Appliances Typically Last? – The Appliance Cheat Sheet

When you’re looking to buy a house there are a lot of things to consider. One of the categories of items to consider is the condition and age of the working components of the house, like the appliances. Knowing about how long appliances tend to last could be very useful information while negotiating your original terms, and also for if you need to renegotiate terms due to advice given to you by an inspector during your agreed upon inspection period.

This conversation could be somewhat null and void if a home warranty is in place, insuring much of the working components of a home. For more information on this and other real estate related quandaries shoot a message on over to your home boy!

 

Appliance Cheat Sheet

 

If you’d like to ask me a question directly please feel free to reach out to me by phone or email listed below, or you can fill in the info box with your question or comment.

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723
 

Planner Shares System For Managing Money – Business Insider

Being a real estate agent is often a lot like being a party planner. There are several people and issues that need to be kept up with, and consistently held to account. Part of making sure that the party goes off without a hitch when working with a homebuyer is making sure that they have a financial plan to execute the purchase. Most people like to keep their finances rather private, so it’s important that people know that making that plan can be done in private. I often recommend that people use a few different free services to monitor their finances and credit: Mint.com, and Credit Karma. They both run ads, but if you can just ignore those you can be a step ahead. Feel free to send me a message if you have any questions about either one of those services. Now, read this article and if you don’t have these basic financial tools in place start setting them up. You can do it – now let’s make a plan and throw that party!

If you are seriously wanting to get your financial house in order you might reach out to an accountant/cpa and maybe even a financial planner to look at how you can use your money to best fit you life and goals. And you might also talk to an estate planner in case you are worried about what will happen to your assets in the case of you passing away. My sister Claire is actually an estate planner and you are more than welcome to call her to ask about what that looks like, just tell her that I sent you. 🙂

Claire Bailey,  Bailey and Poarch: (405) 329-6600

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723

 

“A few years ago, I put in place a ‘Money Flow’ system to help my family track our spending.”

A Financial Planner Shares Her Personal System For Managing Money

family walking beach winter

The author’s family is not pictured.Flickr / James Brown

Part of the reason we accumulate debt is that there are so many distractions in our lives – things we want to buy but don’t need.

But we also ring up debt because we simply don’t understand the flow of our income and expenses, so we can’t accurately estimate how much money we have available to spend.

I’ve struggled with this myself. A few years ago, I put in place a “Money Flow” system to help my family track our spending.

You may have heard of a system like this before, but follow along on this tour, because it really works.

Putting the pieces in place

1. Set up two free checking accounts:

  • One to pay fixed expenses (such as the mortgage, car payments and utility bills).
  • One to pay variable expenses (groceries, gas, clothing and so on).

2. Set up a high-yield online savings account.

We call this our “curveball” account. It’s an emergency fund for use when life throws us curveballs – large medical bills, a job loss or reduction in income, major home repairs, that kind of thing.

3. Make a plan for big-ticket items.

My husband and I agreed that we would use one family credit card for large purchases, such as airline tickets and hotel stays. We still have our separate credit cards – it’s wise to keep your own credit cards to maintain your credit score and credit history. Using them once or twice a year should be sufficient. And don’t close those cards because it will affect your overall credit score.

Implementing the system

1. Draw up a budget for fixed and variable expenses.

Add up how much you need in each category. This will be your guideline for how much should be in each of your checking accounts.

Fixed expenses might include:

  • Rent or mortgage payment
  • Property taxes
  • Utilities (gas, electric, water, etc.)
  • Home, auto and umbrella insurance
  • Life, disability and long-term-care insurance premiums
  • Health insurance premiums (if not taken out of your paycheck)
  • Cable TV, Internet, phone and cellphone
  • Gym or yoga memberships
  • Debt payments (credit cards, student loans, car loans, personal loans, etc.)
  • Savings (yes, this is an expense – pay yourself first!)

Variable expenses might include:

  • Groceries
  • Eating out
  • Gas
  • Clothing/shoes
  • Personal services (haircuts, doctor visit copays, etc.)
  • Entertainment

2. Distribute money to the accounts.

When your paycheck comes in, allocate the designated amounts into each checking account based on the budget you created. The sum earmarked for the curveball account can go there directly.

3. Pay fixed costs directly.

All bills are paid automatically from our fixed-expenses account. We do not have to write any checks, and no debit card is necessary. This account has a cushion of a few hundred extra dollars in case a bill shows up unexpectedly or before we have a chance to replenish the account.

4. Pay variable expenses from the second account.

This account should have a debit card, which you can use for purchases.

5. Link the curveball account to either checking account.

If an emergency arises, you can transfer funds within 24 to 48 hours. You can then access the money with a check or debit card.

Realizing the benefits

Once I implemented this system, the process of tracking expenses wasn’t so cumbersome anymore. Separating expenses into fixed and variable categories meant I didn’t have to worry constantly about checking account balances. Having fewer transactions in each account also made it easier to see the bigger picture of our spending.

The chart below depicts the flow of money.

Money Flow Chart2

* After taxes and pre-tax retirement plan contributions.Chart courtesy of MainStreet Financial Planning

Every family’s finances are different, of course. Feel free to customize my system as necessary. The point is to get – and keep – a grasp on the flow of your money. If you know exactly what’s coming in and going out, you can’t be surprised by debt.

Source: Planner shares system for managing money – Business Insider

Let’s Play A Little Game – Buying A Home

Ok, let’s play a little game. Let’s say you pay about $800 per month in rent, and you are interested in keeping some of your money. Let’s imagine that you bought a house for about $120k, and put 10% down, with current rates your payment could be about that same $800 per month. If you held onto that house for 10 years (as a primary residence or as a rental property), and it increased in value by about 1% per year you would have quite a bit of equity!!!

Maybe you’d want a house for a different price, and with a different down payment, everyone’s situation is a little different.
Rates have been historically low, but they’ll have to go up even more eventually. Buying isn’t always a good idea for everybody, but have you looked into whether or not it’s a good idea for you? Call/message/email me if you are interested in finding out what all of this hoopla is about! 🏡 #Oklahoma #RealEstate

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723
(405)474-2905
HomeBoyOK@gmail.com

 

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Beautiful New Listing in Norman!!! – 308 Tecumseh Meadows

CLICK HERE TO SEE THE LISTING

 

Well hello again,

I got into real estate originally by flipping houses with my family, and we always loved finding the dirty houses to see just how much we could change them. Over the last few years I’ve really come to appreciate a wonderful home that has been extremely well taken care of. Well, this house is truly immaculate! If you or someone you know would be interested in seeing it in person don’t be shy, call and ask whatever questions you might have, or even schedule a showing today!

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723

 

CLICK HERE TO SEE THE LISTING

If you’d like to submit feedback, or request more information please feel free to contact me with the form below (this is not spam, and will not subscribe you to any unwanted emails).

How Much Cash Will I Need To Buy A House? – Closing Costs Calculator | SmartAsset.com

So, you clicked on the link that said “How Much Cash Will I Need To Buy A House“, which means you’ve probably never purchased a home. Well, whether you have or haven’t it’s probably a good idea to look over potential costs of buying a house if you are considering buying one or two in the future. There are 2 main reasons why a buyer usually needs to bring cash to a closing when they are purchasing a house (one of them splits into 2 parts)

*If you’d like to go straight to the Closing Cost Calculator click HERE, or click on the image below.

  • Down Payment:
    • When someone gets a loan (whether on a house or for something else) whoever is lending the money will probably require that you give them some money to show that you have some skin in the game (like the earnest money you’d put down to show you are serious about buying a house).
  • Closing/Prepaid Costs:
    • Closing Costs: a closing is the final step of the purchase process where the title is conveyed to the buyer. This process has several fees and charges that accumulate, and these should be clarified by your lender/loan officer. (getting in touch with a lender is the first thing you should do in the home buying process).
    • Prepaid Costs: often forgotten or left off when describing cash needed at closing. Prepaids are amounts that are required by the lender to be paid at settlement, in advance of their due date. These may include taxes, accrued interest, association dues, mortgage insurance premiums and hazard insurance premiums.

On the website www.SmartAsset.com you can find a few tools to help you calculate things like how much cash you may need at closing. Below is a screenshot from me filling in that I wanted to buy a home for $150,000, and that I wanted to do a down payment of 5%. Now, if you can make a bigger down payment then you’ll save yourself some money, so long as you can afford in the short and long term to come up with that money. And coming up with a larger down payment will especially save you good money if you can put 20% down on a conventional loan, or get to 20% equity quickly – this will allow you to avoid paying Mortgage Insurance, which is a product of irresponsible lending in the somewhat recent past that was responsible for a lot of our economic troubles as a nation.Mortgage Insurance is an insurance paid by homeowners who seem more likely to not make their payment incase they are to be foreclosed upon. FHA loans (government based loan) almost all require Mortgage Insurance for the entirety of the loan – just FYI.

Ok, enough about Mortgage Insurance, we need to figure out how much money you need to close! Your next step is to connect with a lender, and I’d be more than happy to help hook you up with a great lender in my dad (Kent Carter – First Mortgage Co.), then your lender (whether it be my dad, or someone at your local bank) will help you figure out what you can afford, and you need to make a budget. You’ll want to figure out what monthly payment you can afford, and how much cash you’ll be able to bring to closing. Feel free to play around with this calculator, and if you have any questions about this or anything else just let me know!

Grady Carter
Realtor®, GRI
Metro Brokers of Oklahoma
Lic. #160723

Closing:Prepaid Costs

Incase you have a moment to have this all further clarified here is a quick video with a pretty simple explanation:

Source: Closing Costs Calculator | SmartAsset.com