McKinney TX Real Estate

Are you in the doghouse when it comes to buying a home?

This past Monday morning McKinney, TX saw rain for the first time since May. MAY!!!! It just so happened to start 5 minutes after I told my 4th grader that NO it wasn't going to rain...it's just thundering...enjoy the cooler temperatures while you ride your bike to school. **Smiling, patting him on the back**

Yep...just 5 minutes after he left the house I hear a DOWNPOUR. OK, maybe not a Hurricane Irene-level downpour, but given our drought I definitely qualified our rain as a downpour.

The rain lasted for 10 minutes (my guilt for sending my son to school in the rain lasted most of today) and then my 10 month old, 90 pound, WHITE puppy, Ranger, whined that he needed to go out. So let him out I did. And after a few minutes, I go to let him in when THIS is what I see staring at me:


 
<---That dog's in the dog house! No way he was going to be let into the house in that condition!! Sure, he's cute. And no, he didn't know he was doing something wrong. But in the end it doesn't matter. He's 90 pounds of dirty, muddy hair covered puppy adrenaline that won't be coming in until he's CLEANED UP!!

With the tightening down of the lending industry year over year, it's becoming harder for buyers to qualify for a mortgage. Many would-be borrowers are finding themselves in the DOG HOUSE for things that they could have controlled in the first place! So many consumers are under the assumption that having a job, with few debts and good credit (or so they think) is all it takes to be safe when applying for a new mortgage.

However, if you do any of the following YOU might find yourself stuck outside in the rain...covered in your own proverbial "mud"...unable to open the door to your dream home!

My top FOUR things that can and will impact your ability to qualify for a new mortgage. (and YES all 4 of these have happened to my own clients)

1. Take on additional debt AFTER being pre-approved for a loan. Like buying appliances, cars, or other LARGE purchases. Don't. Do. It. WAIT until after you are IN YOUR NEW HOME!!!

2. Borrow from your 401K to pay down your credit cards. Sounds good and logical, right? You're reducing your overall debt which will help your ratios, right? WRONG!!

3. Co-sign for a friend or relative. Just plain stupid. NO matter how great or trustworthy of a friend you have, and how many times they PROMISE they won't end up screwing you over...THINGS HAPPEN!!! Just don't do it. When they fail to pay on their loan do you really think they're going to be in a position to help YOU get a new MORTGAGE?? The answer is no.

4. Switch jobs or change the way you are paid (from salaried to commission based, for example). This changes your income history and lenders need to see two years of stable job income history in order to get the warm fuzzies about lending you a couple hundred grand.

Now I could write many many more ways that you can hurt yourself, but these big four are the most common (in my opinion).

Bottom line: Get pre-approved with a trustworthy lender. After doing this you pretty much need to check with them any time you consider spending more than $10.00. OK, that's a little extreme - but if there's a decision to be made when it comes to money RUN IT BY THE LENDER FIRST!!!!! If you don't, you'll be joining Ranger outside in the rain...covered in mud with NO WAY to go inside your home with out getting "cleaned up" first!!

As sick as I may be of Charlie Sheen and all of the coverage he's received lately, I have to admit that every time I hear his phrase "WINNING!", I have to laugh out loud. Probably because it's coming from someone as delusional as he is. Or maybe he just thinks every day is OPPOSITE DAY! In any case, I love the fact that I can use the term "winning" in this blog post today and it be used CORRECTLY.

So WHO exactly do I think is "WINNING"?

HOME BUYERS! That's who!

Today I got my National Association of Realtors Research Facebook page update, and the topic today was "Rents vs. Home Prices". And as I suspected, the article went on to say that the cost to own a home have been (for the last 2 years at least) cheaper than to RENT! It also went on to say that apartment rents will likely continue to go up this year.

Which begs me to tell my blog readers out there who are on the fence about buying a home in 2011: YOU'RE WINNING! Go buy a home! Don't wait to see if the market will go lower...the only way to know you're at the bottom is when prices are starting to rise again! Unlike Charlie Sheen, things look GREAT for you right now...can't look better!

(Note: I apologize for the abnormal and annoying amount of exclamation marks I've used in this blog post so far, but really - they were necessary.)

If you're in the market to buy a McKinney Texas home or if you would like more information about real estate in North Texas, please consider subscribing to this blog.

Now go be a WINNER...and BUY A HOUSE!!

Single Ladies...IN THE HOUSE (literally)!!

Beyonce's 2008 smash hit, Single Ladies (Put a Ring on It), certainly struck a chord with women everywhere! Much like Aretha Franklin's "R-E-S-P-E-C-T" and "I will Survive" by Gloria Gaynor, when this song is played - at ANY given location - women everywhere jump on the dance floor, hand in hand with their girlfriends, and belt it out!

But did Beyonce know that while she was struttin' her stuff in that hot little black leotard that the single women homeownership rate was struttin' on up as well?

That's right....statistics show that in 2005, single women only made up 4% of home buyers. FOUR. PERCENT!

So, here's a trivia question for my blog readers: What do you think that percentage was in 2010??

a.) 14%
b.) 18%
c.) 20%

I'll let you watch the Single Ladies video while you think about your answer....



The answer is C! Yes, in just 5 years, the percentage of all buyers that represented single women went from 4% to TWENTY PERCENT!

Next question: WHY do you think that happened?

Was it because Beyonce just really knows how to empower women? Maybe. But probably not. Here are my guesses as to why more  women made the plunge into home ownership in 2010:

1. Crazy low interest rates made owning a home more affordable than renting! In 76% of all US cities it is MORE EXPENSIVE TO RENT than it is TO BUY! Interest rates haven't been this low since Eisenhower was in office!

2. Crazy high inventory levels! Women, by our nature, LOVE choices! Don't believe me? Why do you think women, beginning from an early age (tweens!), flock to the malls?? Because there is a concentration of stores in ONE place - giving endless shopping choices! Yep...women realized that there were LOTS of choices when it came to housing...and OWNING a home was becoming more sexy than RENTING!

3. Crazy good prices! Just like we love a plethora of choices, we also love a good DEAL!!! Sometimes we like to buy something JUST BECAUSE it's on sale! Can I get an Amen? OK...well maybe we don't approach buying real estate the same way, but home prices nationwide have become much more affordable. The housing bubbles have burst and prices are floating back down to where they should be. That means NOW is a great time to buy!

Do I think this trend will continue in 2011? You bet I do!

Imagine that you are a first time home buyer. You are newlyweds, just off your honeymoon, and you can't WAIT to move out of that lowly, uncool apartment (that was the swanky place to be when you were single) and into your first home close to all of your married friends...

So, you ask your "cool" married friends for the recommendation of a great Realtor. You call them up and it's a perfect match! The house hunt BEGINS!!

The next few weeks are filled with the following:

• No sleep - there is too much HGTV to watch. House Hunters is the end-all, be-all of home buyer information.

• Blood-shot eyes - did you know you could literally fill up all the commercial time (and work time) in between home buying shows to search for homes on the internet? You can even search for them on your PHONE when you just can't be near your laptop, PC or iPad...like in the bathroom!

• Roaming the streets checking out your new potential neighbors. You want to know how the homes look at night. Are there kids playing in the streets? Annoying barking dogs? Raging house parties with strange fluorescent lights and a peculiar smell of - well, not cigarettes...maybe cloves??....drifting out the homes?

• Showings with your new BFF - your Realtor who you now have on speed dial. Could looking through homes GET any more fun???

But it finally happens...

You fall in L.O.V.E. with the PERFECT home!

Your ROCKSTAR agent negotiates just the right terms, your financing is in order and the next step is entering the ...

DUN...DUN....DUNNNNNNNNN

What is the "Option Period"?

In Texas, our contracts allow for a termination option. This is a negotiated length of time (5 - 10 day options are common) in which the buyer can have any and all home inspections performed. Any repairs are also negotiated during this time. In order to take advantage of this option period, the buyer must pay a nominal fee - usually in amounts ranging from $50 - $250 (depending on the price of home and length of option period).

Important Note: The option fee MUST BE PAID WITHIN 48 HOURS AFTER CONTRACT EXECUTION IN ORDER FOR THE OPTION PERIOD TO TAKE EFFECT! Don't pick a slacker agent who "forgets" to turn in your option check. If they DO forget - OOPS! - you no longer have an option! Wahhh, wahhhhhhh....

But let's say the madly in love new buyers have a home inspection performed (like all good buyers SHOULD!) and there are a few things that they want fixed...BUT....the sellers say "No way, Jose!" What now? Are the buyers STUCK with this home?

Nope...not if they're still within their Option Period and they decide to EXERCISE THE OPTION OF WALKING AWAY FROM THE CONTRACT!!

That's right...the buyers can exercise their OPTION, forfeit their nominal option fee and get their Earnest Money BACK!

But... lets say the inspections go GREAT! Nothing wrong with the home AT ALL! However, during their option period the buyer  _____(fill in the blank with one of the choices below) ________, and decides they don't want the house :

• a.) has a bad dream where the house turns into the one from Amityville Horror

• b.) Sees a psychic and they tell her the house will bring her bad luck, she'll gain 50 pounds while living there and her husband will leave  her for the hot neighbor

• c.) finds a BETTER one that costs LESS and has the POOL they were looking for

• d.) wins the lottery and they decide to move to Hollywood

Can they do this?

YES...because they are still within their Option Period! No reason even needs to be given.

So, rest easy Texas home buyers. Don't let the fear of the "But What If...'s" scare you into buying a home! There's NEVER been a better time! There's tons of inventory to choose from, the lowest interest rates since Eisenhower was in office and in the DFW metroplex you've got great job stability and affordable housing prices!

**I dare say that I think this decision will be slightly less stressful than committing to marry your special someone! After all, you can always SELL a house! Whew!

Texas Home Programs Homebuyer Education

When looking at the Forbes 400 - The Richest People in America List, I came to the conclusion that I should have either married someone with the last name of Walton (Walmart), taken more computer courses (Microsoft, Apple, Google), been nicer to nerds (Zuckerberg, Gates) or should have taken more notes in my Finance courses at Texas A&M (hedge funds, banking).

These people are all worth over....

$1 Billion Dollars!

(<---- looks amazingly like Daddy Warbucks, doesn't he?)

But, I didn't.

So unless you are Bill Gates, Jerry Jones, Donald Trump or Jay Z, buying a home is perhaps one of the largest financial commitments most people will make in their lifetime.

Fortunately, there are MANY programs available to homebuyers that want to GIVE YOU MONEY so that you can live the American Dream of homeownership.

But where, oh where do you look to find ALL these programs you keep hearing about? Are they held in a secret vault? Does the CIA keep the list? Maybe you have to locate a bronze lamp and rub it until a magic Genie appears and they'll reveal the source of the homebuyer assistance programs.

It's really not that hard, actually...

Thanks to www.TxHomePrograms.org!

That's right, Texas buyers! It's as simple as going to this site, sponsored by the Texas Association of Realtors, and plugging in where you want to buy, if you're a first time home buyer or not, and what kind of assistance you need, like:

• Downpayment Assistance

• Closing Cost Assistance

• Below-Market Mortgage Interest rates

• Relaxed Qualifications

• No-Downpayment Financing

• Employer/Occupation Programs

• Purchase Rehabilitation

• Veterans

The website also does a great job of providing information to consumers regrading issues that affect first-time buyers, like predatory lending, credit repair, the home buying process and even information regarding local first time buyer classes!
It's well worth looking into if you plan on purchasing Texas real estate in the future.

You can take help from www.TxHomePrograms.org...OR...you need to know where the millionaires hang out!

Part 2 : A Crash Course on HUD Homes

HUD's Good Neighbor Next Door (GNND) Program

Are you a Firefighter, EMT, Police or teacher in McKinney, Allen, Frisco, Plano or other Collin/Dallas county city? If you are then you can qualify to participate in HUD's special Good Neighbor Next Door program!

Why is that so special?

How does buying a home for 50% of the list price with only a $100 down payment sound??

Pretty sweet, right? Do I have your attention now?

The GNND program is designed to enhance urban communities by offering discounts on HUD homes to the people who really deserve it most! Our hometown heroes - our firefighters, EMT/Paramedics, police and teachers!

Here's the RULES: the property must be located in a designated Revitalization Area; buyer must live in the home for at least 3 years (36 months); neither the buyer OR the spouse may have owned title to property within the last 12 months; and finally, neither the bidder OR the spouse can ever have participated in the GNND program.

How does it work?

Assuming you qualify to purchase a HUD GNND home (according to rules listed above), here's how you go about buying one of these homes:

1. Speak with a lender to get qualified for your financing! You need to know your buying power! This step is the same REGARDLESS of what type of property you buy...always get your financing ducks in a row before shopping for a home.
*To buy a GNND home you can use ANY TYPE of financing or cash.
*You must qualify for the ENTIRE CONTRACT AMOUNT PRIOR TO DISCOUNT! So if a home is listed at $200,000 you MUST QUALIFY on the $200K, NOT the discounted sales price of $100K.
*You can finance into the mortgage all "reasonable and customary closing costs" - including prepaids and real estate commissions.

2. Find a REALTOR who knows the area you wish to purchase in and make sure they are qualified to sell HUD homes!Not EVERY Realtor can sell HUD homes. Their principal broker MUST be registered with HUD before they can help you purchase  a HUD home. Registering with HUD can take 6-8 weeks...so do yourself a favor and ASK your agent BEFORE you start looking.

3. Search for available HUD Homes online. When you find a HUD Good Neighbor Next Door qualified home, you MUST BID 100% OF THE LISTING PRICE (NOT discounted price).

Here's an example of how it would look if you wanted to buy a $200,000 GNND home:

List Price: $200,000 (You must qualify for THIS amount)
Sales Price: $100,000
Add in your closing costs: $3,000 (this is an estimate - ask your lender what amount you should factor in here)
Add in your REALTOR's commission: $4,000 (HUD does NOT pay buyer agent commissions like MOST OTHER sellers do. Make sure you and your agent know what percentage they will require BEFORE signing a contract...your agent most likely will not want to work for FREE).
Down Payment: $100
_________________________________

Add it all up: $100,000 + $3,000 + $4,000 + $100 = $107,100 for a $200,000 HOME!!

NOW - TELL ME where you can get a better deal!??

If you think this is all too good to be true, then feel free to check it out yourself! Just go to www.HudHomeStore.com and look around. d + b real estate is on the list of approved HUD Brokers and specializes in Collin County properties for sale. If you have any questions about the GNND program of other HUD homes for sale in Collin County or Dallas county, then please give us a call. We're happy to help!

Finally, on a personal note, as the proud wife of a Firefighter, I'm so excited that HUD is willing to offer such valuable programs for the people in our community who put their lives on the line (yes, that includes you too teachers!) on a daily basis to make our neighborhoods safe and sound. As a way to THANK YOU for your service, many of the agents at d + b real estate offer a Hometown Heroes Rebate on top of this incredible program through HUD. Call, email or text us for the details and then let's see if we can help put you in the home of your dreams!

When shopping for a McKinney Texas home, buyers need to know that:

Not all sales are the same!

Not every Seller is the same, either.

Each home sale will vary in terms of WHO owns the property, WHAT their motivations are for selling, the time it could take to deliver possession of the property and how much NEGOTIATING room or REPAIRS will be made.

Four Main Types of Home Sellers:

1. Owners - these make up the majority of homes listed for sale. This is a typical sale, not involving a bank or government association.

2. Foreclosures - also called REO (Real Estate Owned) properties. The sellers in these sales are the banks.

3. Short Sales - these sales occur when the owner must sell the property for LESS than is owed on their mortgage. The seller must get permission from their lender to sell the home "short" of what is owed. Despite the word "short" being in the name, these transactions can sometimes be anything BUT short. In my opinion, these can be the most complex sales.

4. HUD (government) Owned - HUD stands for the U.S. Department of Housing and Urban Development. "HUD Homes" are a one-to-four unit single-family residence acquired as a result of a foreclosure on an FHA-insured mortgage..

Let's talk about HUD Homes...

So, what is a HUD home and what is it NOT?

The most common misconception about HUD Homes is that they are bank owned "foreclosures". A HUD home is NOT a Foreclosure! It is a residence acquired by HUD when a Mortgagee (Lender) initiates an FHA claim and conveys the property to HUD.

Plain English (kinda): someone bought a house with a FHA-insured loan. The owner stopped making payments to the bank on his FHA mortgage. The bank said a big "nuh-uh! oh no you didn't!" (as they wave their finger in the air and shake their head) and go call up up FHA (Federal Housing Administration). The bank says - "HEY! You guys (FHA) told me that if this homeowner stopped paying on this loan that you'd have my back!" FHA says - "sho' nuff!" So FHA pays the bank what the homeowner did not, the lender hands gives the property over to FHA and then FHA goes about re-couping their loss by selling the home through HUD. Get it?

Some Facts About Buying a HUD Home in Texas:

-HUD Homes are NOT low-end housing! They can vary in price, location AND condition! So while you can certainly find a $100K HUD home, you can ALSO find a sweet $400K HUD home as well.

-Not all HUD homes are trashed with crumbling foundations and termites out the wazoo. Some homes are move-in ready while others aren't.

-HUD homes ARE sold AS-IS. The only repairs that will be made are if they are to make the property "safe, secure or marketable". In other words, they're not going to tear out the ugly wallpaper, paint over the red wall in the dining room and change out the old appliances. No cosmetics! Buyers SHOULD get their own home inspections!

-The homes are offered for sale at fair market value based on a recent appraisal.

Who can buy a HUD Home?

You.
Your neighbor.
Your mom.
Your best friend's brothers cousins sister who used to date this guy that's now married to this other guy who was a roadie for Aerosmith and now works out at your same gym...

ANYONE!

Buyers will fall into one of three categories:

1. Owner-Occupant
2. Investor
3. Government Agencies and HUD approved Non-Profit Organziations

Sound good? Want to know more about HUD homes?

Stay tuned for tomorrow's post on a special HUD program where you can buy a HUD home for 50% off the property list-price with a $100 down payment!

Last night - just 45 minutes Southwest of McKinney TX - was the "drama-fest" that was Superbowl XLV. A lot has been said about it in the media today - some good (Black Eyed Peas!!) and some NOT so good (800 ticket holders NOT getting to sit in their seats). 

But I think what stuck out most to me was Christina Aguilera's big boo-boo. She flubbed the National Anthem.

As the wife to an Army veteran who served in the Honor Guard (he's the 2nd one in the picture) that presented the Nation's Colors at MANY a ceremony/football game/White House/Pentagon/etc, there is only ONE thing that can tick off my sweetie...and that is:

MESSING UP THE LYRICS TO THE NATIONAL ANTHEM!! 

Our troops deserve better. Much better!!

Which makes me happy to remind you that the home buyer's tax credit that many buyers took advantage of last year at this time is extended for members of the military and certain federal employees!

That's right...those serving outside of the US have until April 30, 2011 to enter into a binding contract to buy a principal residence. The taxpayer then has until June 30, 2011 to close on the purchase.

Members of the uniformed services, members of the Foreign Service and employees of the intelligence community are eligible for this special rule. It applies to any individual (and/or the individual's spouse) who serves on qualified official extended duty service outside of the U.S. for at least ninety days between Dec. 31, 2008 and ending May 1, 2010.

Another bonus is that in many cases, the credit repayment requirement is waived for members of the uniformed services, members of the Foreign Service and employees of the intelligence community. This relief applies where a home is sold or stops being the taxpayer's principal residence after Dec. 31, 2008, in connection with government orders received by the individual (or the individual's spouse) for qualified official extended duty service. The credit is still allowable even if this happens during the year of purchase. Qualified official extended duty is any period of extended duty while serving at a place of duty at least 50 miles away from the taxpayer's principal residence (whether inside or outside the U.S.) or while residing under government orders in government quarters. Extended duty is defined as any period of duty pursuant to a call or order to such duty for a period in excess of 90 days or for an indefinite period.

Now, this is great news that the media should be talking much more about!

The Dallas area is filled with great communities, job opportunities and affordable housing options for our Veterans. Don't forget to contact a local REALTOR to take advantage of this extended tax credit (aka FREE MONEY FROM UNCLE SAM!!)

One of the questions I get most often from McKinney TX home buyers is "How long does it usually take to buy a home?"

I tell them 30 days - on the dot!!

OK, no - I don't. That question is an impossible one to answer due to the fact that each and every buyer is different.

There's the relocation buyer - they are usually the quickest to purchase. No one enjoys living in temporary housing and when forced to live in a hotel, friend's home, relatives home (worse), or corporate housing, living out of a suitcase is not a lot of fun.

There's also the in-between buyer - also a quick buyer. This is someone who has just sold their home and needs to find a new home, who has probably been looking at homes available on the market for a while and has a STRONG idea of where they want to go. They look quickly and intently so as to avoid the temporary housing experienced by the relocation buyer.

Next is the first time buyer. Ohhhh, the first time buyer. They're some of my favorites if I'm being honest. They've never been through the process so they're not tarnished by past experiences. They listen to advice - and usually take it. The newbies tend to take on the longer side of the time line. Maybe it's because they can start looking a few months in advance of their leases running out, or maybe they're staying with parents and can look and look and look...

In any case, there are a few things that all buyers can do prior to looking in order to speed up the process:

1. Decide on a LOCATION first! Not the floorplan. Not the color of carpet or size of master bedroom. You can find so many homes that meet these criteria in any location! In case you haven't noticed, there's not a shortage of homes for sale in many parts of the country. Then...find a knowledgeable REALTOR that knows the city you want to buy in! Do your homework on this!

2. Talk to a lender and get your FINANCING in order.  If you can't qualify for a loan, then you can stop right HERE! Do not pass Go. Do not collect $200.

3. Sit down and make a list of your MUST haves...your must NOT haves...and your "it would be nice to have, but not 100% necessary". And then review this list. And review it again. The items on your MUST have list include things that if the home did not have this thing then you would not under ANY circumstance buy it. Same for the must NOT's. If a home has this item then you would NOT consider buying it. Knowing these lists will help you evaluate all the homes you see. It will be easier to make a "short list" of your favorite homes to choose from when you know what you're looking for.

The fun of shopping for a home can many times take on a life of it's own and you can easily get caught up in all the homes. You eat, breathe, sleep and dream homes.  HGTV is on 24/7. REALTOR.com becomes your new home page. Don't laugh --- you know what I'm talking about. Having a game plan before going into the "home buying game" will speed up the process.

In case you missed the news over the last weekend, Tony Romo of the Dallas Cowboys recently got engaged to his girlfriend - Miss Candice Crawford. I was happy for him. He's taken some flack over the last few years in regards to his personal life, and you know what - they're a gorgeous couple.

Another thought also came to mind...I wonder where they'll MOVE once married.

So, I pulled together the following letter for Tony & his bride-to-be:

(photo from GETTY)

Dear Tony and Candice,

Congratulations on the news of your engagement! Like many newly engaged couples, I'm sure you have already begun your home search for THE PERFECT place to call home after wedding. You know, the place you want to establish your roots - close to BOTH of your jobs - and a place to bring home your babies some day...

Maybe I'm getting ahead of myself...

However, if you have NOT started your search, then I'd like to make a suggestion:

Move to McKinney, Texas!

Why?

1. YOUR COMMUTE! Location, location, location! You're only a 30-40 minute drive to DFW airport and just a few extra miles beyond the airport is Jerry World Arlington Stadium. Candice can just as easily commute to her job in Downtown Dallas! Don't feel like driving? Park your G6 at Collin County Regional Airport - one of Dallas' largest and most active corporate flight departments.

2. YOU'RE AMERICAN! In case you didn't read Money Magazine this summer while you were at training camp, you may have missed this article, ranking McKinney, TX as the #5 Best Place to Live in 2010. Tony, you're a member of the DALLAS COWBOYS for crying out loud. The Cowboys are "America's Team" - so move to one of THE BEST CITIES in America! It just makes sense.

3. YOUR MONEY! Don't forget that Texas has NO STATE INCOME TAXES! You make a pretty penny, Mr. Romo. Invest it in McKinney's Historic Downtown - one of the most thriving Main Street Squares in Texas! I'm sure you and Candice will LOVE all of the restaurants and shops that downtown has to offer!

4. YOUR JOB! Heaven forbid, should professional football not work out for you, McKinney experienced a 124.34% job increase from 2000-2009! Just sayin'.

5. YOUR PEEPS! The median age in McKinney is 30.8. Wouldn't you know it, you're 30, and the soon-to-be Mrs. Romo is just 24! You'll be surrounded by peeps your own age with nightlife nearby when you want it, or relaxing country surroundings if you'd rather relax on acreage or horse properties for privacy.

6. YOUR NEW DIGS! I'd be remiss not to mention the PLETHORA of real estate choices in McKinney, TX. Want a golf course lot near a TPC course? We've got it! Want an acreage property large enough to have your own practice football field? Got it. Want a gated luxury community in Stonebridge Ranch? We HAVE IT! And you know what...I also know a GREAT Realtor who'd LOVE to earn your business... *wink, wink*.

So, I hope you'll consider relocating to McKinney, Texas. Feel free to message me privately through links on this very website and I'll start the ball rolling on your move. I don't want to take away ANY of your time while you are preparing to finish this football season strong. I know how people like to blame you for shifting your attention away from football...and I don't want to be the next Jessica Simpson person that Cowboys fans will start shifting blame to.

Thanks, Tony!