November 20, 2008

“But what if mortgage rates drop next month…”, “I’d hate to pay too much for a home”, “I want to buy at the absolute bottom of the market…not a penny more!” “What if I buy now and then price go down again – I’ll be upside down within a few months!”

It’s human nature to want the best deal – the nicest house for your money – the lowest possible interest rate. But while caution may be good in choosing which stocks have good investment potential, many people lose sight of the fact that the primary reason for buying a home is to provide shelter for you and your family. Yes, I know that many have speculated in real estate over the last few years and cashed in on the escalating home prices. But those days are not these days.

Today your main motivation should be to find the best fit for your budget and your family. Does it really matter whether you pay 5% or 4% for a mortgage if you find a home that fits nicely into your conservative financial plan? Isn’t it more important to have a space for your daughter to practice the piano away from the noisy den than to have a cheap house with a floor plan that’s all wrong? Or wouldn’t you enjoy a beautiful shade tree in the back yard where you can hang a hammock more than a great deal on a home right next to a busy road?

Yes, there will be buyers who will buy at the lowest prices of the century and get a low mortgage too. But will they have the luxury of picking out a home that fits their needs, that nurtures their soul? Will they find a home that makes them go “Aaaaaah!” at the end of the day as they walk through the front door? Or will they merely use the space as a functional place to lay their head.

If you look to what makes a house a home, you’ll find that the grass is just as green, if not greener in a home chosen for love rather than money!

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Local Information for Bay City, TX

Latitude: 28.980766 -- Longitude: -95.964459

ZIP Codes for Bay City, Texas	77404 77414
Area Code for Bay City, Texas	979
Time zone for Bay City, Texas	CST

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Bay City is a city in Matagorda County, Texas, United States. The population was 18,667 at the 2000 census. It is the county seat of Matagorda County[3]. Bay City is served by the Bay City Independent School District, a district of schools consisting of elementary, intermediate, junior high, and high school (Bay City High School). The district operates seven schools and is led by superintendent Keith Brown. There is also a community college in Bay City called Wharton County Junior College which is a chain of Junior Colleges in the south-east Texas area. -- Source: Wikipedia.com

Texas 2000 Census Population Profile Map

	Bay City	Texas	United States
Population	18,667	20,851,820	281,421,906
Median age	32.3	32.3	35.3
Median age for Male	31.1	31.3	34
Median age for Female	33.4	33.4	36.5
Households	6,912	7,393,354	105,480,101
Household population	18,376	20,290,711	273,643,273
Average household size	2.66	2.74	2.59
Families	4,768	5,247,794	71,787,347
Average family size	3.25	3.28	3.14
Housing units	8,113	8,157,575	115,904,641
Occupied units	6,912	7,393,354	105,480,101
Vacant units	1,201	764,221	10,424,540

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November 20, 2008

Local Information for Bay City, TX

Latitude: 28.980766 -- Longitude: -95.964459

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