Phil Moreno Realtor
Since 2009, I have leveraged my expertise in Financing, Mortgage Lending, and Real Estate to help many families acquire their biggest investment, homeownership. I am equipped to add value to all of your real estate needs across the state of Texas. Buy, Sell or Invest with me.
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FEATURED LISTINGS
Breathtaking properties are waiting to enchant you. Contact me to start the process.
- 1/31 313 Beds 3 Baths 2,102 SqFt$286,000Active
- 1/20 202 Beds 1 Bath 1,122 SqFt$225,000New
- 1/26 263 Beds 2 Baths 2,039 SqFt$615,000New
- 1/24 243 Beds 2 Baths 1,189 SqFt$260,000New
- 1/5 52 Beds 1 Bath 1,120 SqFt$175,000New
- 1/20 208 Beds 5 Baths 4,019 SqFt$650,000New
- 1/28 283 Beds 2 Baths 1,460 SqFt$395,000New
- 1/22 224 Beds 3 Baths 2,523 SqFt$340,000New
- 1/18 184 Beds 3 Baths 2,326 SqFt$310,000New
- 1/57 573 Beds 2 Baths 2,189 SqFt$435,000New
- 1/27 273 Beds 2 Baths 1,561 SqFt$349,000New
- 1/27 272 Beds 2 Baths 1,738 SqFt$329,900New
TESTIMONIALS
When the idea of being a homeowner popped into my head I knew immediately who I wanted for my realtor. I've seen Phil make other families dreams come true for some time now! During my process Phil has proven not only to be wonderful friend but an amazing realtor. He eased my mind, cheered me on and prayed for me when I needed it most. There was so many things involved with buying a home and so many different parties involved! Working with Phil and my Chase Lender Kevin made this first time buying process a breeze. They carried a lot of my stress, they were quick to answer my questions and had explanations when I didn't understand. I'm so excited for this new adventure! Saying Thank You doesn't feel like enough! ❤
Christa Loyer
1st Time Home Buyer
Phil you are absolutely amazing! Thank you so much for all your help, time, and advice. Thanks to you and all your hard work and dedication we got our dream house! GOD bless you!
Michelle Aradillas
1st Time Home Buyer
OUR BLOG
Feel confident and relaxed every step of your journey.
Dealing with Financing
As the events of the last few years in the real estate industry show, people forget about the tremendous financial responsibility of purchasing a home at their peril. Here are a few tips for dealing with the dollar signs so that you can take down that “for sale” sign on your new home. Get pre-approved. Sub-primes may be history, but you’ll probably still be shown homes you can’t actually afford. By getting pre-approved as a buyer, you can save yourself the grief of looking at houses you can't afford. You can also put yourself in a better position to make a serious offer when you do find the right house. Unlike pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history. By doing a thorough analysis of your actual spending power, you’ll be less likely to get in over your head. Choose your mortgage carefully. Used to be the emphasis when it came to mortgages was on paying them off as soon as possible. Today, the debt the average person will accumulate due to credit cards, student loans, etc. means it’s better to opt for the 30-year mortgage instead of the 15-year. This way, you have a lower monthly payment, with the option of paying an additional principal when money is good. Additionally, when picking a mortgage, you usually have the option of paying additional points (a portion of the interest that you pay at closing) in exchange for a lower interest rate. If you plan to stay in the house for a long time—and given the current real estate market, you should—taking the points will save you money. Do your homework before bidding. Before you make an offer on a home, do some research on the sales trends of similar homes in the neighborhood with sites like Zillow. Consider especially sales of similar homes in the last three months. For instance, if homes have recently sold for 5 percent less than the asking price, your opening bid should probably be about 8 to 10 percent lower than what the seller is asking.
Read MorePreparing to Sell
Selling your home doesn′t just mean hiring a realtor to stick a sign out front. There are a lot of preparations you should make to ensure you get the best offer possible in the shortest time. Repair. Just because you’ve gotten used to the cracks in the walls and the rattles in the radiators doesn’t mean a buyer will too. If you have hardwood floors that need refinishing, be sure to get it done—hardwood is a huge selling point. Buyers like to snoop around, so be sure to fix any sticky doors or drawers as well. Finally, don’t forget to address any issues with the exterior—fences, shingles, sidewalks, etc. After all, without curb appeal, some buyers may never get to see the inside. Neutralize. You want buyers to see themselves in your home. If your living room has lime green shag, wood-paneled walls, and all your collectibles and personal photographs, this will be much harder for them to do. Try replacing any bold color choices in your floors and walls with something more neutral—beiges, tans, and whites. Repainting and reflooring will make everything look fresh and new, and help prospective buyers imagine all the possibilities. Stage. Once your house is clean and updated, it’s time to play dress up. Home stagers can add small details and décor touches that will bring out the possibilities in the various spaces in your home: lamps, mirrors, throw rugs and pillows, flowers, decorative soaps and towels, patio furniture. Home staging can be particularly useful if your home is especially old or if the exterior looks dated. Think of it as a little mascara and rouge—if it’s done right, you notice the beauty, not the makeup.
Read More5 Tips for Buying a Home
Looking to buy a home? Here are five essential tips for making the process as smooth as possible. Get your finances in order. Start by getting a full picture of your credit. Obtain copies of your credit report. Make sure the facts are correct, and fix any problems you find. Next, find a suitable lender and get pre-approved for a loan. This will put you in a better position to make a serious offer when you do find the right house. Find a house you can afford. As with engagement rings, there’s a general rule of thumb when it comes to buying a home: two-and-a-half times your annual salary. There are also a number of tools and calculators online that can help you understand how your income, debt, and expenses affect what you can afford. Don’t forget, too, that there are lots of considerations beyond the sticker price, including property taxes, energy costs, etc. Hire a professional. While the Internet gives buyers unprecedented access to home listings and resources, many aspects of the buying process require a level of expertise you can’t pick up from surfing the web. That’s why you’re better off using a professional agent than going it alone. If possible, recruit an exclusive buyer agent, who will have your interests at heart and can help you with strategies during the bidding process. Do your homework. Before making a bid, do some research to determine the state of the market at large. Is it more favorable for sellers or buyers? Next, look at sales trends of similar homes in the area or neighborhood. Look at prices for the last few months. Come up with an asking price that’s competitive, but also realistic. Otherwise, you may end up ticking off your seller. Think long term. Obviously, you shouldn’t buy unless you’re sure you’ll be staying put for at least a few years. Beyond that, you should buy in a neighborhood with good schools. Whether you have children or not, this will have an impact on your new home’s resale value down the line. When it comes to the house itself, you should hire your own home inspector, who can point out potential problems that could require costly repairs in the future.
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