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Why should I buy, instead of rent?

Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you’ll enjoy having something that’s all yours – a home where your own personal style will tell the world who you are.

How much money will I have to come up with to buy a home?

Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money – the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment, a percentage of the cost of the home that you must pay when you go to settlement; and closing costs, the costs associated with processing the paperwork to buy a house.

The more money you can put into your down payment, the lower your mortgage payments will be. Some types of loans require 10-20% of the purchase price. That’s why many first-time homebuyers turn to FHA for help. FHA loans require only 3% down – and sometimes less.

Closing costs – which you will pay at settlement – average 3-4% of the price of your home. These costs cover various fees your lender charges and other processing expenses. When you apply for your loan, your lender will give you an estimate of the closing costs, so you won’t be caught by surprise.

How do I know if I can get a loan? Read the rest of this entry »

How much do you spend on rent? If you are spending more than $700 a month, you could purchase your new home for less than you spend renting. Currently, payments are as low as $679 a month at all LGI Homes locations. Stop throwing your money away and get into your very own home.

LGI Homes features beautiful brick single family homes for No Money Down.  These three, four and five bedroom homes are only minutes from fantastic shopping, dining and outdoor recreation.  Some of the great features included in all new LGI Homes are brand new top of the line appliances, custom cabinetry, landscaping and more. 

Don’t throw away another penny on rent! Owning is easier than you think. Call or visit one of our beautiful new home communities today.  If you live in the Houston, San Antonio or DFW area LGI Homes has the perfect new home for you. 

Canyon Crossing – San Antonio, TX | Deer Creek – S Fort Worth, TX | Chisholm Springs – N Fort Worth, TX | Creekside Village – N Houston, TX | Sunrise Meadow – S Houston, TX

“My wife and I recently purchased a home in Chisholm Springs.  It was our first experience buying a home and we wanted to let LGI Homes know how great of a job the employees at Chisholm Springs did making our first-time buying experience a pleasant one.  As first-time home buyers, we had a lot of things to consider, and the employees at LGI Homes were definitely a positive factor in the consideration process.

Our first impression of LGI Homes came from a flyer we received in the mail, so kudos to the individual who had that idea.  The pricing sounded too good to be true, so we came out to have a look.  Our first in-person impression of LGI Homes was with Jef Yarbrough, and if you’ve ever spent more than five minutes with Jef, you’d know that it was an up-bead, positive first impression.  Jef seems like the kind of person that always sees the glass as half-full and has already imagined everything he can possibly do with it.  He was always happy to answer any questions or get our questions to the right people for quick and productive feedback.

The most ongoing feedback was probably with Stacy Conley, as she handled the eccentricities of crossing t’s and dotting i’s with diligence and pleasantry.  We were actually happy to provide any documentation required for the ongoing process, as Stacy did such a wonderful job of keeping us informed and setting expectations for each step along the way.  Even when we had to restart the application process and the papers were handed off to Jennifer with AmeriPro (who also did a fantastic job), Stacy always seemed happy to handle any questions or paperwork that found their way across her desk.

Our last impression was certainly a lasting one: the closing process went smoothly and was well planned and executed.  We were most impressed by the orientation and final walkthrough with Kurt Stawarz; the fact that the building manager personally spoke with us about the final product of the home building process was a nice finishing touch.  Kurt knows his material and he has an eloquent way of sharing his combined knowledge base and personal experiences to justify the reasons for each decision that was made about every aspect in every room of the house.  He did not miss one detail, and even if he had, he made us feel genuinely welcome to contact him if he had missed anything or if we have any further questions or concerns.

Now that we live in our new home and have had time to reflect, it seems that every individual that we met at LGI Homes seemed genuine and to believe in the company they work for and the service that it provides.  We can safely say that we too, believe in LGI Homes, so long as such fine people are running it.  We thank them for their excellent service and we thank LGI Homes for getting the right people in the right places for an overall well-planned and well-executed process.  Well Done!”

- Jeremy & Michelle, LGI Homes Homeowners in Newark, Texas

At LGI Homes we are actively acquiring and looking for sales representatives in Houston, Dallas/Fort Worth and San Antonio. Construction and Administrative jobs are also available.

Since 2003, LGI Homes has become one of the fastest growing home builders in Texas and was recognized by Builder Magazine as the only builder in the United States to increase closing in 2006, 2007, and 2008. Recently LGI Homes was recently recognized as the best for Overall Quality for Houston New Homes.

Employee Benefits

• Health & Dental Insurance
• 401(K) Plan with Company Match
• Long & Short-term Disability Insurance
• Extensive Training Opportunities
• Vacation, Holiday, & Sick Pay
• New Home Discount

Jumpstart your sales career today! Apply online at Work ForLGIHomes.com

Now that summer has ended and the kids are back in School it is time to start thinking about the upcoming holiday season.  Where will you be spending the holidays this year?  How about in your very own brand new home. 

Deer Creek, South Fort Worth’s premiere community, located convenient to I-35W and I -20, is convenient to shopping, dining and entertainment the whole family can enjoy this holiday season and throughout the year.  Plus, during the summer months you and your family can take advantage of fun in the sun at the park and private community pool.

Purchase a new home today for as low as $679 a month and you could be living in your new home in as few as 30 days.  As a bonus Deer Creek has special financing options so you can move into your new home with NO MONEY DOWN.  Don’t forget, purchasing your new home before the end of the year allows for tax deductions on your 2010 income tax filing.  Plus mortgage interest rates are at a 52 year low, if you are in the market for a new home or are tired of renting now is the time to buy.

With six beautifully designed floor plans finding the perfect home is easy at Deer Creek.  Call today to learn how to make your dream home a reality.

Deer Creek – 888-706-2166 ext 62 – www.lgihomes.com

Chisholm Springs is  LGI Homes’ newest community in the DFW area and if you are in the market for a new home now is the time to buy.  With mortgage interest rates are at a 52 year low, Chisholm Springs has special financing options so you can move into your new home for NO MONEY DOWN.

With five beautiful floor plans to choose from Chisholm Springs has the perfect home to meet your family’s needs. Prices start as low as $679 per month.  All homes include $15,000 of upgrades, top quality appliances, custom cabinetry, front yard landscaping and much more.

Come out this weekend to see the great deals available on a new home in the quiet, peaceful community of Chisholm Springs.  Homes are shown based on appointment so call now to set up your time to visit and see the wonderful lifestyle Chisholm Springs has to offer.

Chisholm Springs – 866-702-6756 ext 56 – www.lgihomes.com

In celebration of Memorial Day, LGI Homes is offering huge savings this Friday, Saturday, Sunday and Monday only! Come out this weekend to a LGI Homes community and receive $5,000 off the purchase price of a new home at the LGI Homes Memorial Day Sale.

With mortgage interest rates at historic 52 year lows there has never been a better time to purchase a new home. LGI Homes has new homes available and ready for immediate move in. Purchase this weekend at the LGI Homes Memorial Day Sale and you could be moving into your brand new beautiful home in 30 days or less.

Call today to set your appointment to come see the great deals offered this weekend at the LGI Homes Memorial Day Sale.

Canyon Crossing – San Antonio, TX | Deer Creek – S Fort Worth, TX | Chisholm Springs – N Fort Worth, TX | Creekside Village – N Houston, TX | Sunrise Meadow – S Houston, TX

For the past 5 years, LGI Homes has been recognized by Builder Magazine as one of the top home builders in the United States.  Moving up 11 places from 2008, LGI Homes was recently ranked No. 57 on Builder Magazine’s 2009 Builder 100 List.  This list determined based on closings and is made up of both private and public builders.  LGI Homes continues to stand out year after year by providing quality homes at affordable prices to new homebuyers. 

LGI Homes features three, four and five bedroom floor plans with two bathrooms on over-sized lots. Every home comes with quality appliances, custom cabinets, a fenced backyard, front yard landscaping and a homeowner warranty.

In addition, all LGI Homes are built with thousands of dollars worth of upgrades already included at no extra cost to you in desirable locations that are perfect to fit the needs and desired lifestyle you dream for your family. 

Call or visit one of our beautiful LGI Homes communities today and see how you can own a new home for as little as $629* a month with no down payment required.

Canyon Crossing – San Antonio, TX | Deer Creek – S Fort Worth, TX | Chisholm Springs – N Fort Worth, TX | Creekside Village – N Houston, TX | Sunrise Meadow – S Houston, TX

Did you know the government is giving away $8,000 to all First Time Homebuyers who purchase a new home by April 30th? That is right the government will give you $8,000 to purchase a new home but this is your final weekend to buy. Time is running out! Don’t miss out on this opportunity.

If you are considering the purchase of a new home, the time to act is now!  LGI Homes has the perfect home available so you and your family can take advantage of this great opportunity. Make your appointment today to see the great new floor plans and upgrades we now offer in each and every one of our beautiful new homes.

As you can see there has never been a better time to buy a new home. Call today and you too can own a brand new home for as low as $629 a month with no down payment required. Call today and make your appointment to come out this weekend to take advantage of the $8,000 First-time Homebuyer Tax Credit before it expires on April 30, 2010.

Take these steps on the Spring Checklist provided by LGI Homes to keep your new home in tiptop shape and to freshen it up each Spring:

SPRING CHECKLIST

• Change Furnace Filter (Monthly)
• Check Smoke and Carbon Monoxide Detectors
• Clean Aerators on Faucets and Shower Heads
• Inspect Air-Conditioning Unit for Proper Operation
• Inspect Backsplash Caulking and Re-Caulk as Needed
• Inspect Shower and Tub Caulking and Re-Caulk as Needed
• Test GFCI receptacles
• Inspect Exterior Paint, Stain or Siding, Putty & Caulking
• Clean Fins on Outside AC Condensing Unit
• Check Drainage Swales for Proper Rain Water Flow
• Check for Evidence of Termites
• Inspect the Roof and Roof Vents
• Re-Seal Wood Fences