What Part of “Thou Shalt Not” Don’t You Understand?

February 9, 2014 Leave a comment

THE TEN COMMANDMENTS When applying for a Real Estate Loan


•·       Thou shalt not change jobs, become self-employed or quit your job.

•·       Thou shalt not buy a car, truck or van (or you may be living in it)!

•·       Thou shalt not use charge cards excessively or let your accounts fall behind.

•·       Thou shalt not spend money you have set aside for closing.

•·       Thou shalt not omit debts or liabilities from you loan application.

•·       Thou shalt not buy furniture.

•·       Thou shalt not originate any inquiries into your credit.

•·       Thou shalt not make large deposits without first checking with your loan officer.

•·       Thou shalt not change bank accounts

•·       Thou shalt not co-sign a loan for anyone.



Eagle Mountain Lake – Where to launch, where to eat & what’s for sale!

Eagle Mountain Lake



A popular freshwater Lake located about 12 miles northwest of Fort Worth, Texas. The lake was created in October of 1932 by damming the West Fork of the Trinity River.  Eagle Mountain Lake sits below Lake Bridgeport and above Lake Worth.  The lake offers public beaches, boat ramps, marinas, restaurants/bars, gas docks; boat & water toy rentals, camping, and more! Eagle Mountain Lake is also known for sport fishing of Largemouth, Spotted & White Bass; White Crappie, Catfish & Channel Catfish!

Fort Worth Boat Club

Membership to the internationally known Fort Worth Boat Club (est. 1929) is by invitation only. FWBC members enjoy a secluded family oriented atmosphere with a swimming pool and tennis court. Amenities include a year-round, full-service restaurant and bar, large harbor with sailboat slips, covered boathouse and full harbor services including gasoline, hoist, launching, etc. Dry storage of boats is also available. On-site security is provided 24 hours a day. Non-sailors join the Boat Club as social members just to use the dining facilities with family and friends! Written applications must be endorsed by two FWBC members in good standing and approved by the Membership Committee. If no written objections are received once posted (for a minimum of two weeks) the applicant becomes a member. For more information, pricing, or to apply for membership please visit the FWBC office or call 817-236-8393.


Places to Launch


Lakeview Marina817-236-4633 6574  Singleton Road, Ft. Worth, TX  76179

Eagle Mountain Marina817-237-5558  6500 Wells Burnett Rd. Ft. Worth, 76135  (Marina Del Restaurant on site) Gas Dock.

Lake Country Marina– 817-236-8362 9290 Herring Drive Ft. Worth, 76179  (Scampi’s Cove Restaurant on site) Gas Dock.

West Bay Marina (817) 444-1622 From Jacksboro Highway (Texas 199) take FM 730 north to Timber Road and turn right. Turn north on Liberty School Road and follow to marina.

Creek Harbor Camp- (817) 236-6111 From FM 1220 Take Indian Creek west to ramp.

Harbor One- 817-236-8150 From Jacksboro Highway take Boat Club Road north 6 miles to marina. (The Spot! Restaurant & Bar on site) Gas Dock.




Creek Harbor Camp817-236-6111 at Lakeview Marina.  Cabins, Tents & RV Parking. Shady & quiet!

Eagle Mountain Park

Click for directions


400-acre Park located in northwest Tarrant Country on Eagle Mountain Lake is open seven days a week from dawn until 30 minutes after sunset.  

Click here for a printable map of the trails 





Boat & Water Toy Rentals


Aqua Time Boat Rentals has pricing available online. To reserve a Ski boat, Deck boat, Pontoon boat; or water toys such as skis, knee and wakeboards, or fun shaped tow-behinds dial 1-877-910-BOAT.

For WaveRunner rentals call Jet Ski Rentals DFW of Eagle Mtn Lake at 817-875-9935




Augie’s Sunset Café 6172 Park Rd. Ft. Worth,76135():  BLT’s, Burgers & Beers! Karaoke every Friday night.  Patio dining available. 817-237-5868

Cantrell’s Lakeview Grill (Weekends only through the boating season) Signature burgers, pork tenderloin, Godiva chocolate liquor brownies.  Relaxed waterfront restaurant located at 6574-B Singleton Rd. Ft. Worth, 76179.  817-236-1006

Scampi’s Cove: 9216 Live Oak Ln. Ft. Worth, 76179: Live music every Saturday night! Check out their event calendar online. Conveniently located at the Lake Country Marina. Patio dining overlooking the lake. 817-236-8838

The Spot!: 9307 Boat Club Rd. Ft. Worth, 76179 817-236-4600. Restaurant & Bar Overlooks Harbor One Marina.


Real Estate


According to the Multiple Listing Service (MLS) – As of October 1st, 2010 there were 63 Eagle Mountain Lake waterfront homes for sale ranging in price at $119,000 for a 1,200 sqft Condo to a 7,000 sqft estate offered at $2,900,000.

 Several area neighborhoods have a boat ramp, boat slips, docks, beaches, and/or parks available exclusive to their residents. You will find all types of architecture new and old whether searching for a condo, townhouse, executive zero-lot line, or sprawling manor! Some waterfront properties are available in gated communities, or in a subdivision which also features a golf course! Apartment rentals are also available.

I have the magic key to get you in to any listed property. Simply call 817-714-2898 today to discuss your waterfront or surrounding area real estate needs with me. I would be delighted to talk with you.

Upcoming Events


 December 04, 2010- Christmas Boat Parade of Lights



Area Links & Resources

Azle ISD: The Azle Independent School District

Eagle Mountain Classic Boat Club: http://www.emcbc.com

Eagle Mountain – Saginaw ISD: Eagle Mountain-Saginaw Independent School District

Eagle Mountain Lake Equestrian Center:  http://www.emlec.com

Eagle Mountain Park: http://www.trwd.com/EagleMountainPark.aspx

Catfish Guide: http://www.txcatfishguide.com/eagle_mountain_lake_catfish.html

Save Eagle Mountain Lake (NPO) / Because we all live Downstream http://www.seml.org  

Texas Parks & Wildlife: http://www.tpwd.state.tx.us/fishboat/fish/recreational/lakes/eagle_mountain


What does PITI stand for?

September 2, 2010 Leave a comment

Principal, Interest, Taxes, & Insurance



Consider PITI when determining how much house you can afford.  Most online calculators only calculate P&I which can mislead some buyers into thinking they can manage to pay for more home than they can actually afford.   Below is PITI  defined:

Principal-The amount borrowed or remaining unpaid. The part of the monthly payment that reduces the remaining balance of a mortgage.

Interest- The interest charged on a loan used to purchase a residence. (Not the same as MIP or PMI which protects the lender in case of default)  

Taxes- Local tax assessed on property owned. Usually federal income tax-deductible.

Insurance– An insurance policy that combines personal liability insurance and hazard insurance coverage for a dwelling and its contents. Hazard Insurance- coverage that in the event of physical damage to a property from fire, wind, vandalism, or other hazards. Liability Insurance– coverage that offers protection against claims alleging that a property owner’s negligence or inappropriate action resulted in bodily injury or property damage to another party.)

PITI reserves

A cash amount that a borrower must have on hand after making a down payment and paying all closing costs for the purchase of a home. The principal, interest, taxes, and insurance (PITI) reserves must equal the amount that the borrower would have to pay for PITI for a predefined number of months.

If you are considering buying a home don’t forget to consider Taxes & Insurance into your monthly budget!

Sold in 18 days! Stucco Home w/ diving pool in North Richland Hills, Texas

July 8, 2010 1 comment

8433 Ruthette Drive  

North Richland Hills, TX 76182  



Virtual Tour: http://www.tourfactory.com/628287  

Unique stucco home with sparkling diving pool has 4 bedrooms, 2 1/2 baths, formal dining room,  two living areas and is 2,600 SqFt. Ceramic tile in kitchen & bathrooms. Laundry room is conveniently located upstairs with all of 4 bedrooms. Laminate floor and corner wood burning fireplace in downstairs living area. Game room or family room upstairs. Kitchen has walk-in pantry, plenty of cabinet and counter space and the breakfast area overlooks the pool. Master bedroom has private bath with garden tub, two sinks, separate shower, and walk-in closet. Call Kelly today at 817-714-2898 for a private tour.  

51 thought provoking 1-liners to help YOU think rich!

May 17, 2010 1 comment


Rich people believe “I create my life” Poor people believe “life happens to me.”

Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn’t.

When you are complaining, you become a living, breathing “crap magnet”


There is no such thing as a really rich victim!

Rich people play the money game to win. Poor people play the money game not to lose.

If your goal is to be comfortable, chances are you will never be rich. But if you goal is to be rich, chances are you’ll end up mighty comfortable.

Rich people are committed to being rich.  Poor people want to be rich.

The #1 reason most people don’t get what they want is that they don’t know what they want!

If you are not fully, totally and truly committed to creating wealth, chances are you won’t.

Rich people think rich, poor people think small.

The law of Income: You will be paid in direct proportion to the value your deliver according to your marketplace.

Rich people focus on opportunities.  Poor people focus on obstacles.

“Bless that which your want”- Huna philosophy

Rich people associate with positive, successful people.  Poor people associate with negative or unsuccessful people.

Rich people are willing to promote themselves and their values. Poor people think negative about selling and promotion.

      Leaders earn a heck of a lot more money than followers!

Rich people are bigger than their problems.  Poor people are smaller than their problems.

The secret to success in not to avoid or get rid of your problems; the secret is to grow yourself so that you are bigger than any problem.

If you have a big problem in your life, all that means is that you are being a small person.

Rich people are excellent receivers. Poor people are poor receivers.

If you say you’re worthy, you are. If you say you’re not worthy, you’re not. Either way, you’re right.

Whether you think you can, or your think you can’t, you’re right.

For every giver their must be a receiver, and for every receiver their must be a giver.

Money will only make you more of what you already are.

How you do anything is how you do EVERYTHING!


Rich people chose to get paid based on results. Poor people choose to get paid based on time.

There is nothing wrong with getting a steady paycheck, unless it interferes with your ability to earn what you are worth. There’s the rub. It usually does.


Rich people think both, poor people think either/or.

Rich people believe “You CAN have your cake and eat it too”

Middle class people believe “cake it too rich, so I’ll just have a little piece.”

Poor people believe they don’t deserve cake so they eat doughnuts, focus on the hole, and wonder why they have “nothing”.

Rich people focus on their net worth. Poor people focus on their working income.

The true measure of wealth is net worth, not working income.

“Where the attention goes, energy flows, and results show.”

Rich people manage their money well. Poor people mismanage their money well.

Until you can show you can handle what you’ve got. You won’t get any more!

The habit of managing your money is more important than the amount.

Either control your money or it will control you!

Rich people have their money work hard for them. Poor people work hard for their money.

Rich people see every dollar as a “seed” that can be planted to earn a hundred more dollars, which can be planted to earn a thousand more dollars.

Rich people act in spite of fear. Poor people let fear stop them.

Action is the “bridge” between the inner world and the outer world.

A true warrior can “tame the cobra of fear”.

It is not necessary to try to get rid of fear in order to succeed.

If you are willing to do only what is easy. Life will be hard. But if you are willing to do what is hard, life will be easy.

The only time you are growing is when you are uncomfortable.

Training and managing your own mind is the most important skill you could ever own, in terms of both happiness and success.

Rich people constantly learn and grow.  Poor people think they already know.

To get paid the best, you must be the best.

“Every Master Was Once A Disaster.”T. Harv Eker


I can’t remember from which resource(s) I took these from so  for disclaimer sake, I didn’t come up with any of this on my own!

Rare Modern-Contemporary Waterfront Home on Eagle Mountain Lake FTW, TX 76179

7812 Skylake Drive Fort Worth, TX 76179   

$ 499,900


Virtual Tour: http://www.tourfactory.com/607964   

Modern-Contemporary home on Eagle Mountain Lake has 3 bedrooms, 4 bathrooms, 3,342 SqFt and appx 30′ water frontage.    

Take a Virtual Tour http://www.tourfactory.com/607964 Live the waterfront lifestyle in this Frank Lloyd Wright inspired home. The Architect built this home to commercial specs and is energy efficient. In the master you’ll find a Jacuzzi tub, separate shower, his & her sinks, walk-in closet, plus a 7×4 sitting area. There is also a jetted tub the Jack-n-Jill bath between bedrooms 2 & 3. A small courtyard off the main hallway would make the perfect Zen garden! The huge loft with a full bath upstairs overlooks the living room and kitchen below allowing for a multitude of uses. Living room has fireplace imported from Belgium and a wall of windows overlooking the water. 3rd garage is for a small car or golf cart. Little yard maintenance. Superbly insulated & climate efficient with 4 AC/Heater units keeping your utility costs down even on hot summer days! The utility room has a sink, folding table, room for a freezer & extra cabinets. Other features include a sprinkler system which pumps from lake, dock, hot water pump system, built-in wine chiller in kitchen, skylights, fabulous views, new flooring, fresh paint, and much more!

Call Kelly for a private tour at 817-714-2898   

Single Story Eagle Mountain Lake Waterfront Home w/ Pool, Sauna, Dock & More!

Eagle Mountain  Waterfront home has all the bells & whistles!


520 Topside Drive Azle, TX 76020

Take a virtual tour: http://www.tourfactory.com/594365

Great Azle Waterfront home on Eagle Mountain Lake has all the bells & whistles! Located in th family friendly Oak Harbor Estates . Impressive backyard features a salt water heated pool & spa (w/ chiller too). Dock has boat lift, dual jet ski lift & composite decking. Sprinkler system from lake or city water. Sauna, gazebo, game room w/ wet bar. Split master suite with his/her closets, jetted tub, & separate shower. Gorgeous brick accents in kitchen and living room! 3 bedroom, 2 1/2 baths, 2 car garage & SO MUCH MORE! 2,455 sqft. Call me at 817-714-2898 to schedule a private tour!

A Sign in the Yard Doesn’t Mean the Owner is Desperate to Sell!


It is a sign o’ the times; distressed properties are for sale!   Today the market is flooded with more foreclosures and Short Sales than I have ever seen in my near decade of practicing real estate and it’s forecasted to  get worse before it get’s better.

 You’ve heard those sayings: “If it sounds too good to be true, it is” &  “You get what you pay for”.  That holds true [pretty much] in the real estate world too!  Bank owned, or short sale properties seem like a great deal at first glance but are typically priced in line with what an “AS IS” price would be for a property in its condition.  Buyer’s need to beware of the cost of repairs exceeding the true market value once completed after the sale.

As I see it,  foreclosure listings are not grotesquely reducing their asking price as a way to undercut the rest of us or so a Buyer can  get a steal-of-a-deal;  they’re pricing their properties based on one or more suggested list price of a professional BPO (Broker Price Opinion). Banks  are not in the business of giving houses away and those BPO’s are conducted by local real estate agents advising them on how to get TOP DOLLAR in as short amount of time possible! I cannot imagine any Realtor who would be suggesting prices below anything but top dollar as that negatively effects their own hometown economics! 

While it is true that foreclosure sales have negatively affected the value in some neighborhoods,  A savvy agent will consult a traditional seller to price their property inline with recent sales as well as current competition (just like an appraiser will do).  I’d like to consider myself a “savvy agent” and I do tell my clients to price their property respective to current market conditions but even still I constantly see ridiculously low offers.  I’m sure there are plenty of stories of Buyer’s getting a deal but my rant today is merely to say I’m looking forward to the day when the mentality out there isn’t that if there is a sign in your yard, you must be desperate to sell and buyer’s stop making crazy low offers on homes that are clearly not over-priced. 

(quick disclaimer: Every city is like a snowflake with their own unique set of market conditions affecting their communities so I can only speak for what I see through my eyes here in Fort Worth, Texas.)

Have a Facebook Fan page? Here’s how to add tabs like Twitter, PDF’s, Flickr, & more!

I didn’t know it was going to be so difficult until I got stumped on the application for Twitter  on Facebook while trying to add the “Twitter” tab to my Business Page.

 The problem was that as I kept trying to add it to my page, it wouldn’t let me! I spent more time than I care to admit trying to figure out what button I didn’t click correctly.  Once I was out of problem solving ideas I went to the Twitter Application Fan Page’s discussion tab and scrolled down until I found a 13+ page discussion about the very same issue. It wasn’t until about the 11th page or so did someone FINALLY offer a solution to the 10 pages of people with the same problem begging for help!

 I thought I would share this simple solution today so that you don’t go through the same agonizing frustration I did, and also because this was provided by someone with a servant’s heart, I thought it fitting to Pay it Forward. (By the way, it CANNOT be added via the Facebook Twitter application and is provided by an outside source only) So, Thank you Robert Holland for the following post:

Robert Holland For those of you interested in having a Twitter tab on your Facebook Fan Page using Involver, I’ve also put together a “how to” for setting up Involver:



I also learned today that Involver.com offers complete brand marketing for Facebook. Make sure and check out the Application Gallery of other FREE* and basic** applications that can be easily added to your Facebook business page as well.  (For Example: You Tube Channel, PDF’s, Flickr, and much more!)

*Free: Careful! You are limited to only 2 Tab add-ons. After which you would need to upgrade to a Premium service for more.

**Basic: Free apps have limitations such as for Twitter it only updates every 3 hours. For faster feeds to Twitter you can update to a paid Premium Account with Involver.com 

Keep in mind these applications are available to Facebook “Become a Fan” business pages, NOT your regular social “friend” page.

Happy Hour and S’mores? You had me at HELLO!

Tillman's S'mores by habitatgirl.

Photo provided by habitatgirl


  The old childhood favorite is now served up with oooh-ahhh style! What is typically saved for kids at campfires is delivered table-side in the swanky, yet casual restaurant Tillman’s Roadhouse at 2933 Crockett Street in Fort Worth.    

 All eyes lit-up when a wood plank generously covered in all the ingredients necessary to create our S’mores was brought to the table.    From it we could choose between 3 marshmallow flavors (Maple, Orange, & Coffee) but rest assured these humongous puffy pillows of  oooey-goooey flavored goodness are not store-bought. There is also a generous portion of semi-sweet chocolate squares, and homemade graham cracker crisps for you to start your concoction!    

There was something about the open flame at the table surrounded by a round of stiff cocktails that got us gals snickering, so we let the boys handle the skewers while one-by-one we held out our delicate cinnamon-kissed cracker who’s chocolate square nested atop waited patiently to be mounted by a charred marshmallow (quite sexy really once the smashed melted mixture starts to run down well, just about everything). We are licking the sides of our mouths, smacking the tips of our fingers clean until the giggles turn into hard-core laughter…. and you though wet-naps were only for spare ribs.  Ha!  

I am looking forward to actually having a meal here. The plates that kept coming out looked and smelled divine! Tillman’s is definitely a date-place, and a crowd pleaser and so far gets 5 stars from this foodie!