Real Estate Agents near you. Need to Sell your Home?
We are Local Houston Agents and Mortgage Loan Officer
The Gifford Group Services all of the Greater Houston Metroplex. While we are currently Residents of Katy, Texas.
We have lived in Tomball, Missouri City, Spring, and Cypress and have worked from Richmond to The Woodlands to Sugarland to League City to Fulshear.
We are local Houston Realtors with the knowledge you need.
We can also help you across the State of Texas if you need to purchase or refinance a home.
Searching for a Luxury Home, perhaps you want to find a Luxury home in Fulshear or Missouri City?
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We can help you sell your current home, and we can help you find a new home. We can help with all your real estate needs.
We have real estate covered whether it is downsizing, renting, or in search of your next home.
Real Estate is our specialty!
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Did you know that Homeowners Have a Higher Net Worth?
Local Realtors Near you, Amber & Scotty GIFFORD
A REALTOR® is a member of the National Association of REALTORS®
Both Amber Gifford and Scotty Gifford are Full Time Realtors.
The REALTOR® marks let people know that you are more than just a real estate practitioner: you adhere to a strict Code of Ethics that protects clients, the public, and other real estate agents.
We believe in be honest and upfront with every person every time! We want to help you make informed decisions in all real estate transactions.
Why our solution is better
The Gifford Group has the answers
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Home Swap
Buy a new home without having to sell the old one first, or at the same time. Close on a new house in half the time (or less) of a typical financed offer.
How to buy another house before selling yours!
Recast your Mortgage
What does it mean to recast a loan?
A mortgage recast is when a lender recalculates the monthly payments on your current loan based on the outstanding balance and remaining term
This is just one way on How to buy another house before selling yours!
We also have options for Recast if you qualify which will allow you buy and then Recast your new mortgage after you sell your old home.
Contact us today!
Certainty
Start making offers on homes with your fully pre-approved mortgage. Win your dream home with a strong, competitive offer.
How you can put an offer on a house before selling yours!
Cost savings
Move only once, and save on rent, closing costs, and moving costs. Get up to $25,000 of home prep work prepaid so your old house sells for the best price. Tips To sell your home Faster
FAQs About the home Swap
How does the Home Swap work?
The program empowers you to buy your new home prior to selling your old house on the market for maximum value. Here’s how it works:
- We’ll get you fully underwritten for a new home loan including a down payment advance so you can start making offers fast.
- Put down a winning offer on your dream home with no sales contingency, and move in right away. You’ll pay your new mortgage while the old one is covered.
- Up to $25,000 to get your old house ready for listing on the open market so it sells fast and for top dollar. When your house sells, you simply pay back for the loan provided. It’s that simple!
Can the Home Swap be used for condos/townhomes?
Absolutely! As long as the home will be used as the primary residence, the Home Swap can be used to buy and sell condos, townhomes, and single-family homes.
Can I buy new construction through the Home Swap?
Yes absolutely! As long as the builder is funding the cost of construction prior to the final closing (most large builders do this). There are some specific details unique to new construction deals depending on time to build (related to pre-approval requirements and rate locks) that you’ll want to review with the Loan Advisor once we’ve received your application.
What are the fees associated with the program?
For all of the convenience and certainty offered with the Home Swap, there is a 1.25% convenience fee on the purchase of your new home. You can either pay this at closing or roll this into your equity advance. This convenience fee is similar to an origination fee, which many lenders charge.
For clients who go under contract on or after March 1, 2022, there will be a $250 processing fee added to the Knock Equity Advance loan. This fee will be in addition to the current $1450 lender fee on the new mortgage, meaning total lender fees (other than the 1.25% convenience fee) for Knock Home Swap.
Do I have to make two mortgage payments?
With the Home Swap, you only pay one mortgage at a time. You’ll pay the mortgage on your new home, immediately building equity, while the monthly mortgage payments on your old house are covered.
What happens if my old house doesn’t sell on the market?
With the Home Swap, you’ll list your existing house on the market after you’ve purchased and moved into your new home. The goal is for you to sell your listing on the market for max value. That said, on the off chance your listing doesn’t sell on the market, you’ll have the option to take an offer that is provided upfront.
What is the average close time to purchase a home?
Closing Guarantee Knock guarantees that we’ll close in 30 days with the Knock Closing Guarantee. If not, you’ll get $5,000 back from Knock.
Learn more here.
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