The Moby App that keeps you in touch with family and friends

February 5, 2012

In recent years, the attack on real estate agents along other people associated with our industry has gone to all time high. I was introduced to an App that I am really excited about. In the past whenever I showed a home or was at an open house, I would use my smartphone to send my location back to my wife. The Moby App, which is free for the iPhone, Androids and Blackberry, really got me excited.

Put safety in reach wherever you are can provide peace of mind when working alone at an open house, in unfamiliar neighborhoods or if you working late at night.

Moby is simple to use so you can focus on what you do best. This is a great app for parents with kids.

Moby is the simplest way to answer the daily question “where are you?”.

The basic features are: 1. Share your location. 2. Check-in. 3. Request for help. 4. Invite people.

Finally, yes you do have the capability to turn off where you are.

Check out their website


Texas First Time Homebuyer Program (Bond Program) for Downpayment and Closing Cost Assistance

October 26, 2010

TDHCA Texas First Time Homebuyer Program (Bond Program 77) Now available new program funds for Downpayment and Closing Cost Assistance.

Effective May 2010, the Texas Department of Housing and Community Affairs (TDHCA) announced the release of $500 million in funding for first time homebuyers. The program is designed to assist low to moderate income homebuyers who are interested in purchasing their first home. Two types of mortgage loans are available.

“Assisted loans” are 1st lien mortgage loans made available at an interest rate slightly above the current market interest rate and provide down payment and closing cost assistance. The amount of down payment and closing cost assistance is 5% of the mortgage amount and is available in the form of a 2nd lien, 30-year, 0% interest loan. Although no monthly payments are required, the amount of assistance is due and payable in full upon sale, refinance or repayment of the 1st lien mortgage.

All 1st lien mortgage loans are available at a 30-year fixed rate. The interest rates offered under the program will change periodically depending on the industry market rates at the time the loan is registered. Homebuyer Education is required for all borrowers receiving a loan through theTexas First Time Homebuyer Program

. This requirement may be met by attending a pre-purchase homebuyer education counseling course provided through the Department’s network of certified  Texas Statewide homebuyer Education Providers, or on-line counseling offered through the program’s participating lender network.

For current available program funds please visit this Available Fund page. As of Oct. 26, 2010

Texas Homeowner Advocate