Category Archives: Relocating

Tour of Lake Conroe Condo 12100 Melville Drive Unit 908, Montgomery, Tx 77356

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IMG_0010Are you a water bug?  Do you LOVE everything about the water?  Do you love the cool breezes at night…..the way the spray comes off the boat and tickles your nose?  Have you wanted to live in a waterfront community?  Your chance has arrived.  Located in  Walden on Lake Conroe the Walden Marine Vistas Condos might just be your answer to Living the Lake Conroe Lifestyle.  This condo is located on the second story, on the corner….One neighbor below and one to the right.  964 square feet with two bedrooms, two full baths, den, kitchen, covered patio with view of the pool.  Updates include new carpet and paint inside and out.  The utility room is located inside the condo.  Remember we mentioned Lake Living…not only is Lake Conroe a short walk, but the Walden Marina is too.

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LISTED FOR $55,000  Multiple Listing Service # 997210

                                                   

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THIS REALTORS PERSPECTIVE

Sometimes you have to take yourself out of a stressful situation in order to Live Life to the Fullest.  I don’t know many things more calming that watching the wind play off the tips of the water at Lake Conroe.  This man made lake brings fishing, skiing, boating and lots of other lake activities to life for folks just a short drive up Interstate 45 past The Woodlands.  Have a boat, a wave runner, canoe or row boat…you can rent a spot at the Walden Marina or one of the other marinas on Lake Conroe.  You don’t want to spend all your day on the lake launching you boat, parking your car and trailer.  Take a short ride to Walden in Lake Conroe, visit the Walden Yacht Club (available to all Walden residence) and see if your stress doesn’t melt away.  You don’t have to keep it a secret, it’s a BIG lake…join the stress release today and…….

Live Life to the Fullest,

S.C.

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Hello World (2011)

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KONICA MINOLTA DIGITAL CAMERA  I think I read in Seven Habits of Highly Effective People by Steven Covey that we should all take the time to write our on eulogy.  This practice is designed to help us establish how we want people to remember us.  I think this is a good practice, but today’s blog is not a eulogy, it’s a different type of birth announcement.

Today, I Scott Culberson have lived on this Earth for Forty Two years.  Don’t pity me or feel sorry for me that I have reached this mile stone.  Next year I hope to reach the next and the next year the next and so on and so on.  I choose to live for the present, respecting the past and looking forward to the future….which has now become the present.  Time marches on so I choose to LIVE LIFE TO THE FULLEST every second of every day.  Join me in taking the time to say THANK YOU, I LOVE YOU or GOOD JOB.  Ok so I had a birthday, big deal……yes it is a big deal…..TO ME and my creator.  He put me here for more than one reason; to be a son to my parents, to be a brother to my sister, to be a husband to my wife and a father to my children and I believe he has placed me in your path to offer support to you on your journey of life.  I LIVE LIFE TO THE FULLEST by supporting my family, by volunteering with the Boy Scouts of America, by supporting my friends, my co-workers, and my clients.

Today I am NOT planting a seed. 

Today I will take the time to water the tree that is already grown. 

Tomorrow I will water that same tree again.

That tree is already here and it deserves to continue to provide shade and shelter for many years to come. 

If the tree becomes sick I will nurse it back to health. 

If the tree needs pruning I will do it with care.

This tree will be my tree and it will grow stronger than years past.

My purpose for this Happy New Year the Year of Forty Two is that I am able to help you to LIVE LIFE TO THE FULLEST.  With a smile and a positive word of encouragement.  I choose this to be a year to engage and enable those I meet through continue correspondence; both in person, and via note cards, phone, text, facebook, etc.  I have faith in the Lord that he will provide another year of opportunities to serve others, thus fulfilling my purpose and bringing me continued happiness in life and in work.

Thank you for being apart of my Forty Second Year I hope we can visit in person some day soon.  Personal or Professional I am here for you.   I am a REALTOR by profession so allow me to help you, your friend and family to……..

LIVE LIFE TO THE FULLEST,

S.C.

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The Road Home Doesn’t Have to be Rough (Texas Veterans Land Board)

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Texas Flag God Bless the men and women that have protected our freedom.  With Texas being home to the 3rd largest Veteran population it’s a good bet that if you ask a stranger in Texas “Are you a Veteran?” they are probably going to say yes.  Take the time to ask the question: “Are You a Veteran?”  Now that you’ve asked the question, don’t forget to shake their hand and say: “THANK YOU!”

The Great State of Texas has a program in place to THANK our Veterans: The Texas Veterans Land Board(VLB).  Created in 1946 it provides special state benefits just for all veterans, active duty military, unmarried, surviving spouse and more.  The VLB offers:

  1. Below Market Interest Rate Loans on
    1. Home-Improvement
    2. Homes
    3. Land
  2. Affordable long-term nursing care
  3. Dignified burial benefits

VLB Programs are State Benefits and are separate from your VA benefits.  Texas is 1 of 5 states that offer Veterans benefits. (Alaska, California, Oregon and Wisconsin)  Here are the basics:  Veterans many use each loan program more than once.  All properties must be wholly located in the state of Texas.  All loans are subject to credit approval.  Texas Veterans Land Board loans may NOT be sued for refinancing purposes.  Eligibility requirements and forms are available on line at

 www.texasveterans.com

Eligibility can usually be turned around in 24-48 hours when all eligibility forms and DD-214 are filled out properly.  You will want to make sure your lender understands how to work with The Texas Veterans Land Board.  Once the notice of eligibility letter is generated it has a shelf life of 1 year.  The housing assistance program  has a maximum loan amount $325,000…..WOW!!! Veterans must occupy as primary residence, eligible property types are Single Family, Condo, Townhome, 2-4 Family (5yrs or older), and certain Manufactured and Modular homes.  Loan must be originated in conjunction with FHA, VA or Conventional financing.  The terms 15 or 30 years.  The VLB does not allow “premium” pricing.  The VLB sets the rate, NOT the lender.  The base rate changes weekly, but is designed to be lower than market rates(this is the currently policy).  Qualified Veterans Disability Discount Veterans with Disabilities have reductions based on their level of disability.  The VLB also has a land program, a home improvement program.

Did you know that VLB Housing and Home Improvement loans reduce to 0% interest for Activated Guard and Reserve?  Land payments are deferred.  Three month grace period after deactivation before payment resumes.  Loan reverts to Federal Law (6% max) for remaining nine months.

Their is so much more information that a participating lender can share with you.

This REALTORS Perspective:

I would like to thank Tamara Tapman at SWBC Mortgage.  I was fortunate enough to attend a REALTOR training class on the Texas Veterans Land Board sponsored by SWBC Mortgage.  What a great resource they have been for my clients.  That is how I was able to write the blog today.  We can all learn something if we give ourselves the opportunity to learn.  We can never be satisfied that we have learned everything.  If I were a lumberjack I would always have to take time to sharpen my ax.  I hope that this blog has helped you to sharpen your mental ax.  If you are a Veteran THANK YOU again…GOD has blessed us with your service.  If you are not a Veteran, maybe you know one that would benefit from this blog……PASS IT ON and don’t forget to……

Live Life to the Fullest,

S.C.

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