Habitat For Humanity to host Fiesta de Colores on Cinco de Mayo
Habitat for Humanity of Montgomery County, TX is a Christian nonprofit organization that provides affordable, sustainable homes to hard-working families and individuals. Because of their work, hundreds of the county’s most vulnerable children have a secure place to thrive, and the number of people helped is growing every year.
Habitat for Humanity is changing lives. Research on Habitat families shows that 25% of children are more likely to graduate from high school and 62% move on to pursue a post-secondary education, 33% are less likely to become teen moms and 59% are more likely to own their own home within 10 years of leaving their parents’ household. In short, Habitat home ownership changes families for generations to come.
This year, Kim Lindley – the 2017 gala chair – will be joined by Kim Neill and Cindy Hageman as co-chairs. The three lead a committee of 42 men and women. “We are humbled by the number of volunteers who have returned to our committee as well as the new members who have joined this year,” remarked Lindley. “I am particularly excited to see more couples working on the committee together, as loyal individuals have enthusiastically recruited their spouses to help. Our 2018 gala promises to be a fun-filled evening that raises funds that enable Habitat for Humanity Montgomery County to fulfill its mission. With the devastation from Hurricane Harvey, affordable housing is more important than ever before.”
The Habitat gala also welcomes back LGI Homes as the official Presenting Sponsor. Isabel Jones, Development Director for Habitat for Humanity, explained, “We knew when we partnered with LGI Homes last year that it was a perfect match for us and for their company. Their mission is to build affordable homes, which aligns perfectly with our mission.” Other sponsors include Anadarko Petroleum, Strike, Dave and Kathleen Stover, Revenew, and Lisa and Fred Koetting/Valspar/SBC. The full list of sponsors and underwriting opportunities can be found at the website HabitatMCTX.org/gala.
Habitat for Humanity of Montgomery County, TX is a Christian nonprofit organization that provides affordable, sustainable homes to hard-working families and individuals. Because of their work, hundreds of Montgomery County’s most vulnerable children have a secure place to thrive, and the number of people helped is growing every year.
PHOTO: Kim Lindley, Cindy Hageman and Kim Neill, the chairs of the 2018 Habitat for Humanity Montgomery County gala set for May 5, 2018 at The Woodlands Waterway Marriott.
Source: Habitat for Humanity
Come by 33018 Tamina Road and Say hello. Did you know that Century 21 has an office @ Tamina and FM1488???
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2505 Lake Woodlands Drive, The Woodlands
Spring 2018 Concert Line-up:
3/11/2018: Buck Yeager Band (Country)
3/18/2018: Maydwell (Jazz)
3/25/2018: The Guppies (Classic Rock)
4/8/2018: Time Warp (80’s – Now Cover Band)
4/15/2018: Russell Boyd (Variety Piano)
Come on out this weekend and check it out !!!
The first three months of the year tend to be slow for home buyers and sellers. But there’s plenty to do — or at least pay attention to — if you plan to buy or sell a home later in the year. Here are three housing and mortgage trends to heed in the first quarter of 2018:
- Peak buying season, traditionally, is later in the year, but the best-prepared buyers are laying the groundwork for success by tidying up their personal finances now
- Mortgage rates are predicted to rise, but not by a lot
- The new tax law will increase take-home pay for many wage earners, which might invigorate sales of moderately priced homes
Prepare now to buy later
More people buy homes in spring and summer than in fall and winter. If you want to join the warm-weather homebuying crowd, start getting ready now because you are likely to face fierce competition during peak homebuying months. As more buyers vie to buy despite a tight supply, the successful bidders will be those who got their financial houses in order while everyone else was perfecting guacamole recipes for Super Bowl parties.
“I think it’s wise to look into your ability to buy a home a good three to six months prior to shopping for that home,” says Michael Becker, branch manager for Sierra Pacific Mortgage in White Marsh, Maryland. This gives you time to correct any errors on your credit report and to improve your credit score so you can get the best possible rate, he says.
Here are four financial steps you should take now to keep your spring or summer homebuying plans intact:
- Check your credit report for accuracy. Inaccurate information can cause your credit score to drop.
- Clear up any problems you find. “If there are errors or some negative items on your credit report, you can spend the next couple months trying to clear them up,” Becker says. Here’s a guide to disputing credit reporting errors.
- Get debt under control. At the same time, make sure you have enough in savings. This isn’t easy, especially if you overspent during the holiday season. “You want your credit score to be at its best so you can qualify for the best rates,” says Rick Sharga, chief marketing officer for Ten-X, an online real estate marketplace in Irvine, California. Paying down debts is an important factor in raising your credit score, he says.
- Talk with a mortgage professional before working with a real estate agent. A mortgage officer will help you figure out how much house you can afford, so you can be realistic when you go house hunting over the next few months. “There’s nothing worse than falling in love with a home only to find out you can’t afford it,” Becker says.
Watch mortgage rates
Mortgage rates were fairly steady during most of the fourth quarter of 2017, but housing economists expect rates to move upward in the first three months of 2018. Forecasters from Fannie Mae, Freddie Mac, the Mortgage Bankers Association and the National Association of Realtors project a median rise of 0.2% by the end of March. The 30-year fixed began the year averaging 4.09%, so it would be roughly 4.3% at the end of the first quarter, if the forecasts are right.
“Mortgage rates are bound to go up at some point,” Sharga says. “I really believe 2018 is probably the year we’re going to see the numbers start to move back up, and part of that is tied into this tax reform bill that was passed.”
The president and Congressional Republicans have promised that many wage earners will see an increase in their take-home pay as tax cuts are reflected in reduced tax withholding. If they spend the additional money in their pockets, the economy will heat up, stoking inflation, according to basic economic theory.
“Inflation is the real reason bond yields and mortgage rates rise,” Becker says.
Know how the tax law affects homeownership
The new tax law sets a few things in motion:
- Many wage earners will see increases in take-home pay this winter after the IRS updates its tax withholding tables
- The standard deduction is almost doubled beginning in tax year 2018, so fewer homeowners will take tax deductions for mortgage interest and state and local taxes
- For some homeowners who do itemize deductions, the tax break on property taxes and state and local taxes will be reduced
Outside of high-tax states with expensive homes, “we might actually see some positive effects,” Sharga says. The higher standard deduction might result in taxpayers “with a little more cash to use, and we might actually see more of the low- to mid-priced range properties sell because of that.”
But that’s all theory, Sharga says. We won’t know for sure how the tax law shakes out for another year or more.
The article 3 Months, 3 Housing Trends: Buyer Prep, Loan Rates, Taxes originally appeared on NerdWallet
8203 Millennium Forest Drive, The Woodlands
Learn to Compost – Have a Healthier Garden Event Details:
Try out the variety of composting tools and equipment. Find out how compost benefits plants, gardens and lawns.
Located at 8203 Millennium Forest, The Woodlands, TX 77381, our outdoor composting class is taught by certified, experienced Montgomery County Master Gardeners. Composting resources, problem-solving, trouble-shooting and tips are provided at each class. High-quality collapsible compost bins are available for purchase at a reduced price. Compost-related door prizes, including a new compost bin, will be raffled off.
Class begins promptly at 10 am Interested residents may wish to experience the optional hands-on class segment following the composting presentation. Our informal, interactive class is packed with information and great fun. Free! No registration required.