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Thou Shall Not!!

by Dan & Patti Olivas

Mortgage Companies many times will update your credit file prior to closing. This is your guide of things that you do not want to do without first checking with your loan officer and your Agent (Dan Olivas and Associates)

1.     Do not co-sign a loan for anyone!  

2.     Do not change your bank accounts!  This will cause you a headache in trying to explain why you did this and could cause a delay in closing as the mortgage company re-verifies your account.

3.     Do not make any large  deposits to your account. Any unusual deposits into your account could be a red flag to the mortgage company and will require further explanation.

4.     Do not do anything that is going to originate an inquiry into your credit.  Again this will just cause you to have to write an explanation.

5.     Do not spend the money you have set aside for closing.

6.     Do not leave  any debts off your loan application.

7.     Do not change jobs, become self-employed or quit your job.   This will throw a monkey wrench into your home buying process.

8.     Do not let any monthly or revolving accounts become delinquent.  This is a deal killer.

9.     Do not buy a new car, truck or van.  Unless you want to live in it… (Just being funny!)

You have done all the hard work to position yourself to buy a home, don't  let any one of these items mentioned above derail your plans.

The next step is to enjoy your new home!!

If you have any real estate questions, feel free to call Dan Olivas and Associates

 915-584-5430 office

915-241-0735  Dan Olivas

915-241-0087  Patti Olivas

Shoppers Explore The Railroad Box Cars!!

by Dan & Patti Olivas

Driving on Mesa Street between Executive and Festival, you can’t help but see the sprawling and imaginative display of beautiful apartments called Monticello.  What are not yet as noticeable are the quaint shops and restaurants that are next to and in between the Monticello. This distinctive project will add choices in eating and shopping locations on the West side.  The use of old railroad box cars is a clever idea that will certainly add ambiance to the experience.  As I walked along the winding path ways that lead from little shops carved out of converted box cars to the more expansive shops constructed with a whimsical use of concrete, tin and wood, I couldn't help but picture myself in another city distant from El Paso.  The feel was definitely a community minded type of intimacy, if you know what I mean.

The passageways in some places are narrower than in others: some made of concrete others of wood, and if you keep walking you inevitably come across various patios where I assume there will be ample seating. I would anticipate that once this great discovery opens there will be aromas of great food and sounds of people having conversation, laughing, and simply having a great time.  I found at least a couple of restaurants being constructed.  I have no doubt that this shopping center will quickly become a popular place to meet up with friends and to explore all its nooks and crannies, then settle into one of the hot new restaurants to enjoy a great meal, a cold beer, or simply a glass of wine.  This will be a great addition to El Paso. 

 

  

    

    

It's about the Kids!

by Dan & Patti Olivas

s vibrancy and the educational level of their work force.  Any way I look at this correlation, I always come away with the same conclusion: economic prosperity will ebb and flow with our schools ability or inability to turn out students that are prepared for life, college and that have a grasp of the importance of having a good character.  So if this is the case and if our community is not a thriving center of opportunities, lets focus on the outcome that our schools are producing!

Here is how I see it:

1. The community needs to set the parameters for what is expected from the schools and what the result will be when our children start and finish school. In other words, as our children start school they should already be on a track to college and when they finish high school they should be college or community college ready!

2. The focus above everything has to be "the kids".   It's not about brick and mortar, teacher’s tenure, teacher's unions, superintendents and their administrations.  No, its about “The Kids”.

3.  Every parent should have the expectation that their child will have the very best teachers possible. We should demand teachers  that will make a difference in a child's life and every parent needs to understand that they also  have a responsibility.  Parents can not just send the kids to school and expect that the school will produce educated model citizens ready for life and college. No, this has to be a collaborative effort and the parents play a pivotal role in  this.  Without the parents involvement this will not succeed.

4. School board members should be expected to understand that their job is one of extreme importance.  To be elected to the school board should require a proficiency of understanding the vastness and complexity of running a school and should also require the ability to read and understand a budget. Every board member needs to understand the connection between the setting of good strong policies and the end result of producing kids that are college ready. This will ensure a future society that is not only successful but also contributes back to society. Every elected Board member should be focused on "kids first" and there are no sacred cows, its only about the Kids.  Every decision the board makes needs to be vetted with "how will this benefit the kids".  For too long,  societies solution to the educational problem  has been simply  throw  money it and our  continuing dismal results shows this model does not work. We continue to lag behind many other countries educationally. 

5. An ongoing effort should be initiated to educate parents as to the difference they can make by being an involved parent in their child's school life.  Part of this education should be the recognition that "parents are a child's first and most important teacher. " It's reported in many quarters that the best investment a community can make in education is in early education. We should be focusing on this fact.  We can all  play a positive role in the intervention of educating parents.  Something as simple as reading to their children at an early age and doing it daily can  be  transformational  in a child’s life.  I don’t believe that there is a parent out there  regardless of their  social economic or education level,  that doesn't want their child to do better than they have done.

6.  Good teachers should be compensated with  higher salaries.   Let's pay  good teachers a higher salary.  Instead of always seeking bond issues for brick and mortar, let's make raising good teachers salary a priority. Lets also make sure that every child has access to the best tools that are out there, all this before brick and mortar.

7.  Educating kids should be a competitive exercise.  If you  can't produce the results that a parent expects then parents should have the right to choose an alternative school. Simply give parents a choice-this will improve education.

8. I know that if we don’t correct the current school outcomes, that this community, this region and country face a bleak future. In my mind the solution is not in Austin or in Washington, its right here at the local level.  The day the community decides that the responsibility rests in its hands is the day that the power to make dramatic changes shifts from the politicians to the true stakeholders, the parents and the business community.

 

 

Touch City Digital Wall - A Glittering Jewel for El Paso!

by Dan & Patti Olivas

Imagine having music, video and audio uploads and downloads available at a city center interactive video wall. There is only one such Wall in the world and it’s in Copenhagen, Denmark.

Oh wait—there will soon be two walls.  The other will be right here in El Paso, Texas.

 The El Paso Museum of History will have the first Touch City Digital Wall in the United States.  This wall will be 36 feet long by 5 feet high (4 gigantic plasma screens). It will quickly become a destination place for those that live in the El Paso region as well as for tourists.

The Wall will be informative, engaging and connecting.  Anyone will be able to send postcards and emails to anywhere in the world. Everyone can upload images to and from the Wall from their home location or at the Wall.  Best of all, the interaction with this wall will be free.

With initiatives like this, El Paso is transforming itself from a city that watches innovative things happen to a city that is making things happen. The wall will allow this region to promote its history and culture.

The wall will be located down town across the street from the new ball park and in front of the El Paso Museum of History.  This $3 million dollar project was made possible by El Pasoans’ approving of the last quality of life bond initiative.  This will truly be a glittering jewel for El Paso and the region. It is to be completed by late 2014. 

 

Displaying blog entries 1-4 of 4

Contact Information

Photo of Dan & Patti Olivas Real Estate
Dan & Patti Olivas
Dan Olivas & Associates
240 Thunderbird, Suite D
El Paso TX 79912
Office: (915) 584-5430
Mobile: (915) 241-0087