Looking For A Blessing?

Then you’ll want to schedule an appointment to see this lovely home in the

Lakeridge Run Addition in SW Oklahoma City.

Front View

Front View

Located at 11101 S. Ross, this home offers a kitchen with all the cabinets you

could ask for, a built in hutch, center island, 2 pantries and new appliances and

recently replaced tile floors.

The great room has built-ins and bookcases, wood burning fire place, a wet bar that

is also plumbed for an ice maker. The great room and formal dining room have high

quality wood-like floors.



The master bath has his and her vanities, whirlpool tub, separate marble shower

and his and her closets.

There are a total of 4 bedrooms and 3 baths in this home.  The patio was enclosed

and has carpet and central heat and air and included in the square footage of about

3000 sq. ft.

The exterior has a circle drive and an open patio.  You’ll also enjoy the corner lot.

All of this for $215,000 and the seller is offering a $5000 allowance the new home

owner can either use for closing costs or a price reduction.

Earlywine park

Just a stone’s throw from the home is Earlywine Park, the YMCA and the

Earlywine Golf Course.  You can enjoy the trails for exercising, the water park,

picnic areas and plenty of open space for kite flying.

The property is located in the Moore Public School District.  Currently the Fisher

Elementary, Brink Junior High and Westmoore High School are the schools

children would attend.  Here is the link for the Moore Public schools.

Lakeridge Run has a mandatory homeowners association. For information about

the association click on the link for their website.

Lake ridge run entrance

So if this home in Lakeridge Run sounds like something that works for you, call us

at 405-209-8597 or email charlottegreganti@gmail.com.  You can see more photos

at http://www.OKSoldRight.com.

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Does A Seller Have To Disclose The Condition Of The Property They Are Selling In Oklahoma?

The Oklahoma Residential Property Condition Disclosure Act became effective July 1,

1995 and amended on January 1, 2008.

A seller of property located in Oklahoma shall provide a purchaser of their property

either a Disclaimer Statement which means they have never occupied the property and

make no disclosures concerning the condition of the property AND have no actual

knowledge of defects.  However if a disclaimer disclosure is not applicable, the seller

shall provide a written property condition disclosure statement.

Many times an investor will purchase a property that needs work.  The scope of the work

may vary from cosmetic improvements to complete rehabilitation.  If the only

improvements the investor makes is cosmetic improvements, such as painting or putting

in new carpet and they never occupied the property, a disclaimer disclosure might be

appropriate.  However in most cases, the investor makes improvements like plumbing

repairs, broken windows, damaged roof and other such “defects”.  When a seller does

these types of repairs, a disclaimer disclosure does not apply and the seller must complete

a property condition disclosure.

The seller is to deliver the disclaimer or disclosure statement to the purchaser as soon as

it is practical but before acceptance of an offer to purchase.

The Oklahoma Residential Property Condition Disclosure Act is a state law, not a rule of

the Oklahoma Real Estate Commission, any local real estate board or a local brokerage


Failure to comply with the law is a civil matter, handled in the local court of jurisdiction.

Any action brought under this act shall commence within two years after the date of

transfer of real estate.

There are exemptions to the Act. Common exemptions in Oklahoma are foreclosed

properties, transfer by a fiduciary who is not an owner occupant of the subject property in

the course of the administration of a decedent’s estate and new construction.

For additional information about the Property Condition Act, you can down load a

brochure at http://www.orec.gov or call Charlotte Greganti at 405-209-8597 or email


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Oklahoma Property Taxes and Homestead Exemptions

Property taxes are based on the value of the property and are local taxes however the state governs how the process works. The taxes help pay for public schools, city streets, county roads, police, fire protection and many other services.

January 1 marks the beginning of property appraisal.  What a property is used for on January 1, market conditions at that time and who owns the property on that date determines whether the property is taxed, its value and who is responsible for paying the tax. Between January 1 and March 15, the county assessor processes applications for tax exemptions.

You need to know that you have the right to uniform appraisals, receive all tax exemptions or other tax relief for which you qualify and the right to notices of changes in your property value or in your exemptions.

All exemptions and other tax relief must be filed by March 15, however certain war veterans or surviving spouses may apply any time during the year.

To qualify for homestead exemption, your home can be a separate structure, condominium or mobile home located on land you own.  The residence may be owned by an individual through an interest in a qualifying beneficial trust and may be occupied by a trustor of a qualifying trust.

The home must be your principal residence on January 1.  You can only have homestead
exemption on your principal residence.  If you temporarily move away from your home but you intend to return and it’s not rented, you can have homestead exemption.  Military personnel stationed elsewhere and are Oklahoma citizens may be granted homestead exemption.  If you rent any part of your home or use any part for a business does not disqualify the remainder of your home from exemption.

Homestead exemption is a $1000 deduction from the gross assessed value of you home and in most cases a tax saving between $80 – $120 annually. You do not have to reapply for the exemption once the application has been filed.
Homestead exemption forms are available on line for most counties via the county assessor’s website for the county of the residence.  Or you can call me at 405-209-8597 or email charlottegreganti@gmail.com and I will forward you an application.

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Do I Have The Flu or Food Poisoning?

It was Christmas and during the night our 1 year old granddaughter started

vomiting. Her mother was certain it was because I gave her some chocolate cake

that evening, but when she continued being sick throughout the next day (on the

26th), I was certain it wasn’t from the chocolate cake.

On the 27th our family (me, my husband, our daughter, our son and his wife and 3

grandchildren) went to a Mexican restaurant to eat. During the night, I, my

husband, our son and his wife and our daughter all came down with “the flu”.

None of the grandchildren were sick.

This miserable experienced lasted all day for us, however it lasted 2 days for our

son. So now the big question is, was it the flu or was it food poisoning?

Influenza, commonly called “the flu,” is caused by a virus that infects the respiratory

tract. Food born disease, referred to as food poisoning, is carried or transmitted to

humans by food containing harmful substances.

So here’s the difference:

Symptom “The Flu” Food Poisoning
Body aches and pains Common: headache and muscle aches Common: headache, backache and stomach cramps
Fatigue Common (often extreme) Common (often extreme)
Fever Common Common
Gastrointestinal Rarely prominent* Common (often severe)
Gastrointestinal: Nausea Rarely prominent* Common
Gastrointestinal: Diarrhea Rarely prominent* Common
Respiratory: Chest discomfort, cough Common (often extreme, can become severe) Rare
Respiratory: Nasal congestion, sore throat, runny or stuffy nose Common Rare
Prevent or Lessen Risk Annual Vaccination Proper Food Handling


So here’s the challenge. We all had Gastrointestinal: Nausea but no one had Gatroinestianal: Diarrhea. No one had the respiratory symptoms.

At the restaurant we had different menu options and none of the grandchildren were sick.

So was it the flu or was it food poisoning, since no one went to the doctor, we might never know.

If you think you have the flu, stay home from work, school or other public places, use good hygiene principals and you may need to see the doctor.

It’s difficult to avoid food poisoning when you eat out, other than consider researching the state’s inspection of the facility. You can find this information at Health Departments.

Hope you stay healthy. Charlotte Greganti with Keller Williams Realty, 405-209-8597 or charlottegreganti@gmail.com

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Do Positive Affirmations Really Work?

I don’t know about your world, but for the past few years I’m hearing more and more

about positive affirmations and how they can change your life and your world.

So what are Positive Affirmations?  They are positive statements which when repeated

often will impress the subconscious mind.  The subconscious mind will then take action

towards making the positive statement true.

So why would this be important?  We are surrounded by negativism.  Disappointments

can lower your self-esteem.  A rejected love can make you feel unworthy.  When you do

something wrong it can make you feel hopeless.  Then the negative thoughts enter your

subconscious mind, and the subconscious mind accepts them as truth.

With so much of our world surrounded by negativism we rarely realize that we can easily

have negative thoughts.  Think about it…the news is a prime example of this.  The

meteorologist says we have a 20% chance of sleet and ice.  Why not say we have an 80%

chance of sunshine?

Or “breaking news” is someone has been shot or “we were the first on the scene” of a

fatal car accident.

Then you go to work and a customer is upset because their order wasn’t right and they

are going to take their business somewhere else.  Or your boss reprimands you for a

performance that is not up to standard.  Once I worked in a management position and we

were instructed by upper management that on performance reviews we were to rate

everyone only as average and to only point out one positive area of performance and one

below standard area of performance.

So how do you implement positive affirmations?  Start by thinking of an area of your life

you would like to improve on and ask yourself, “How can I state this situation in a

positive perspective?”

Do you lack confidence?  Then state “I am a confident person.”  Do you feel unloved?

Then state “I am loved”.  Do you want to lose weight? Then state “I am skinny.

There are many internet sites that you can google this topic and learn more.  For me, my

positive affirmation is “I always give God the Glory” because I don’t feel like I do and I

want to draw closer to Him.

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You Can Now Afford More Home

Last week (the week on January 5, 2015), the Federal Housing Administration (FHA), the

government insurance of home loans, announced the annual insurance premiums on FHA

loans will lower from 1.35% to .85%.

This is a good news/bad news scenario.  Interest rates continue at historic lows, hovering

around 4%.  Interest rates typically follow gas prices. Gas prices have dropped

dramatically and are currently lower than they’ve been in the past 5 years.

So what does the lower insurance premium mean to the borrower obtaining an FHA loan?

If a buyer is financing $200,000 and interest rates for a 30 year FHA mortgage is 4%, the

P&I (principal and interest payment) would be approximately $716.  The insurance

premium at the higher rate would be approximately $169.00.  However the lower

insurance premium would now be about $106.000 or a savings of $63.00.

Now the borrower can finance approximately $163,000 at 4% 30 year rate and the P&I

would be about $779.00.    The additional $13,000 could be significant buying power.

However the down side of this would be if interest rates increase.  If interest rates

increase to 4.75, that same $150,000 would now have an estimate P&I of $803.00.

So what’s the message regarding all of this?  If buying a home and using FHA for your

financing is in your future, then call us today at 405-209-8597 or email us at


We know many lenders that are very experienced that work for loan companies that have

competitive interest rates and their fees for doing loans are very reasonable for the

industry.  We can sit down with you and explain the estimate of your expenses, explain

what services and costs need to be paid upfront and connect you with a lender that will

work hard for you.  And more good news, we do not charge buyers any administration

fees.  Our compensation is paid at closing by the seller.  We look forward to helping you

invest in a home.

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So You’ve Been Approved For A Home Loan, Now What?

You’re ready to buy a home and who’ve been to a lender who has said you’re

approved for a loan, so now what?

The first thing to remember is most lenders have made this approval based on the

information you provided on your loan application and (in most cases) based on a

credit report.

However, that doesn’t always mean the loan will actually be approved.  So, here’s

what you need to know so the lender can actually approve the loan.

The loan officer will provide you some disclosures that need to be signed.  Due to

some laws, the loan company cannot start the process until the disclosures have

been signed.

The loan officer will provide you a list of documents needed, if you didn’t provide

these documents at the original loan application.  These documents can include

bank statements, pay stubs, and tax returns.  The lender needs to verify all of the

information on your application.

Don’t think you can create fake documents either.  The lender has several cross-

checks to ensure the documents are legitimate.  Such as does your paystubs match

your deposit? Are the tax returns you submitted the same tax returns you filed with

the IRS?

Unfortunately, due to fraud, no longer can the lender rely on the validity of just the

document you submitted and have implemented cross-checking the documents

from a variety of sources.

Not only do the documents provided need to be verified, there are several things

you should and should not do once you’ve made loan application.

Things to do are

– Stay current on existing accounts.

– Do provide the lender all requested documents as quickly as possible.

Things not to do:

– Don’t apply for new credit of any kind.

– Don’t close credit cards accounts (unless advised by the lender to do so)

– Don’t add charges to credit cards.

– Don’t change bank accounts.

– Don’t make large deposits to your bank accounts without first checking with your loan officer.

– Don’t overdraft your bank account.

– Don’t quit your job.

– Don’t spend the money needed for closing.

If you’ll heed my advice and follow this instruction, then once the loan officer has

said “you’re approved”, you can count on that final approval in the end.

We’ll be happy to introduce you to experienced lenders who will help you finance

your next home.  Call us at 405-209-8597 or email at charlottegreganti@gmail.com.

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