Category Archives: Texas

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.

PHOTOMAY2009retouched 8x10 (Medium)

A Home Tour of 3026 Spring Ranch Lane, Spring, TX 77388 (4/2/2)

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IMG_8690 It’s your lucky day!!!  You have just stumbled upon the most beautiful home in the Spring Landing Subdivision.  You will fall in LOVE with this beautiful one-story home.  You’ll think you stepped into a Pioneer model home.  Lots of attention to detail from these owners.  Tile in all wet areas including both the front and back door.  Laminate wood flooring located in the formal dining, den and master bedroom.  Full sprinkler system, garage door opener, and security system  just get things started.  You enter the home through a recently stained wood door with beautiful hardware.  The entryway has a sky light as you marvel at the beauty of the formal dining.  The den has large windows letting the natural light of the backyard warm your soul under the cathedral ceiling and if we have a cold winter you can enjoy your hot chocolate by the fireplace.   The kitchen has 42 inch cabinets, a pantry, gas stove and updated fixtures.  The refrigerator, washer and dryer stays with an acceptable offer.  The breakfast bar is waiting for you to add bar stools so you can be part of the action in the kitchen without being the chef.  The kitchen adds to the open concept as it looks out upon the den and the breakfast nook.  The backyard comes with it’s own herb garden so you can start your gourmet cooking right away.  The back yard also has a patio and an in ground gas grill.  The wash room is in it’s own room in the home.  The master bedroom has a master bath with double sinks, separate garden tub/shower and a roomy closet.  Three more bedrooms await, that’s four total bedrooms.  Use three as bedrooms and convert one into a study or computer room.  Lots of choices here.  All bedrooms and the den have ceiling fans so you can keep your hot looking home cool.  So what are you waiting for?  Now is the time to have a look at your new home.

Here’s the short version:  Four Bedrooms, two full baths, two car garage.

LISTED FOR $134,620, Multiple Listing Service # 34549178

Can’t view today..enjoy our Video of this home:

Map picture

This REALTORS perspective:

School may be out for the summer, but the decision of where you children will be educated is not.  Don’t have children?  Well those little guys affect your property value more than you might think.  Good schools have good kids;  good kids reflect good parents; good parents take care of their kids and their homes.  Bingo! The schools help your home value.

Take the time to research the schools in your immediate area.  Take a look at their websites.  I have listed many of them on this website.  What are they “SHOUTING ABOUT” on their home page?  Do they have an elementary that won a special award, do they have teachers or administrators that have won awards?  Their is a direct link to music and math, do they have strong programs in both?  Is the school also feeding the body with a physically fit program of sports.  Are the schools part of the community or are they just “kinda there”?

We are where we live and to truly live is to be apart of where we are and THAT will help you to………

LIVE LIFE TO THE FULLEST,

PHOTOMAY2009retouched 8x10 (Medium) (Small)

S.C.