Archives for November 2020

Celebrate the most THANKFUL time of the year at these events

This year Emblem Properties has been very blessed throughout this pandemic. We continue to give thanks and be thankful for what we have. Our surrounding communities have events scheduled next week to help celebrate the Thanksgiving holiday. Enjoy the activities they have put together to welcome this special holiday!

Join the Harvest Kitchen for their First Annual Thanksgiving TURKEY FRY! This event will be held on Wednesday, November 25 from 9 AM to 7 PM. Activities include meals from the Food Truck, Christmas Photo’s in Santa’s Chair, yard games, cornhole and ladder golf. Kids may enter a Turkey Drawing Contest – with an extra prize for the most creative turkey name!
The Community Healthcore Foundation presents their 7^th Annual Thanksgiving Day Turkey Trot on Thursday, November 26^th from 8 AM to 10 AM! They will be hosting a VIRTUAL race this year due to COVID-19. Join the family tradition of a 5K or a 1-mile fun walk. SIGN UP TODAY using this link: https://runsignup.com/Race/TX/Texarkana/ThanksgivingDayTurkeyTrot All proceeds from this fundraiser will go to the Community Healthcore Foundation to be used in various forms of client services, unmet needs, and other assistance without a funding source for Community Healthcore programs.
Southern Bliss Flowers by Ree is excited to invite the community to an exciting event to celebrate Small Business Saturday! Local businesses, artisans and more will be at the Mistletoe Market on November 28^th from 11 AM to 4 PM. Admission to the market is FREE. If you are interested in becoming a vendor OR have any questions, please contact Sheiree at 936-465-7182.

Ever wondered what the difference is between Home Insurance and Home Warranty?

Here at Emblem Properties we offer The Customer Service Difference–Where OUR Clients Are #1. This includes providing information to all the questions that you may have. Have you ever wondered what the difference between Home Insurance and Home Warranty is? We are here to help explain!

When purchasing a new home, it is important to do in-depth research on all facets of the homebuying process. One thing you will need to understand is how to best protect yourself and your investment if anything were to go wrong. Check out the information on home insurance versus home warranty below to educate yourself on your options.

Home Insurance

Homeowners insurance pays for any accidental damages and loss that are caused by fire, lightning strikes, windstorms, and hail, however, damage from earthquakes and floods is typically not covered. It also covers the replacement of personal property in case of theft or damage and liability if a person were to get injured in your home or on your property. According to American Home Shield, the average annual cost of a homeowner’s insurance policy ranges between $300 and $1,000, and the bank usually asks you to obtain a policy before the mortgage is issued. Make sure to keep in mind that each type of coverage in the policy is subject to a limit and, in most cases, you will have to pay a deductible.

Home Warranty

A home warranty is designed to cover the cost of repairs and replacements of larger appliances and crucial systems in your home that may fail or break due to age and wear and tear. This includes but isn’t limited to HVAC, electrical, or plumbing components, kitchen appliances, and your washer and dryer. With a home warranty, you are required to pay premiums year-round, even if you do not use it, and it won’t cover damages if appliances were not maintained properly or if the damage is from a fire or other disaster.

Ready to Renovate? Find out How to Finance Your Renovation.

Outdated kitchen. Overrun backyard. Unusable basement space. If you have a home renovation project on the mind, the first thing you have to consider is how you are going to finance it. Here are the most common options to make your dreams become a reality.

Cash

Paying in cash is the most straightforward financing option, just save until you have enough money to cover the expenses. This will help eliminate spending outside your budget; however, it can also extend your timeline.

Mortgage Refinance

If you’ve been making payments on your home for a few years and your interest rate is higher than current market rates, you may be eligible for a mortgage refinance, reducing your payments and freeing up some money.

Cash-Out Refinance

You can tap into your home equity and borrow up to 80 percent of your home’s value to pay off your current mortgage plus take out more cash to cover the renovations. This option is encouraged only when you’re making improvements that will increase the value of your home, as it can add a lot of interest and fees.

Home Equity

Getting a home equity line of credit allows you to borrow money against the value of your home. You receive usually up to 80 percent of your home’s value, minus the amount of your loan.

Retirement Funds

Homeowners can consider pulling money from a 401K or IRA account, even though they aren’t specifically meant to cover a home renovation. This option might incur additional penalties or tax payments, but may be worth it when making improvements that will benefit them financially in the long run.

If you are looking to buy or sell your home, Contact Emblem Properties. Our exclusive team of 7 works very hard to offer The Customer Service Difference–Where OUR Clients Are #1.