Wednesday, January 26 Read 2 Timothy 1:1-8 I remind you to stir into flamethe gift of God ...For God did not give us a spirit of cowardicebut rather of power and love and self-control. Lord, help me to see the people in my life with your eyes.  Teach me how to be an agent of encouragement and hope in you. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/25/2011

Tuesday, January 25 Read Mark 16:15-18 Go into the whole worldand proclaim the Gospel to every creature.Whoever believes and is baptized will be saved;whoever does not believe will be condemned. Father, I thank you for sending your Son to rescue me from sin! Help me to live for you today. Charles Gardner. Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/25/2011

FHA anti-flipping suspended for another year - Humble TX Investors Good NewsA classic real-estate flip involves the quick resale of a house or condominium at a significantly higher price than the purchaser paid with only cosmetic improvements to the property, if any at all. Sometimes only the contract itself is being signed over to a new buyer at a higher price.  For years the federal government prohibited the use of FHA mortgage financing by buyers purchasing homes from sellers who had owned the property for less than 90 days. The idea was to prevent speculators from defrauding the government through quick flips of houses - usually involving straw buyers and corrupt appraisers - at inflated prices.  One side effect of that policy, however, had been to stifle purchase-and-renovate proje... 01/24/2011

Monday, January 24 Read Mark 3:22-30 Amen, I say to you, all sins and all blasphemies that people utter will be forgiven them.  But whoever blasphemes against the Holy Spirit will never have forgiveness, but is guilty of an everlasting sin. Holy Spirit  let me see with your eyes!  Convict me when I need self-control, and inspire me when I need compassion.  May my heart always be attentive to your still, small voice. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/24/2011

Stated Jumbo Loans still exist for the Difficult to Sell High End Properties Do you remember how easy it was to get a loan for a home purchase? All you needed was a pulse for approval.  Stated loans were the rage. You simply stated how much you earned, provided a credit report and in many cases you would be approved for 90% to 100% financing!  Trillions of dollars (Yes, that's trillions!) were loaned out to buyers using the stated loan. Read more...http://wp.me/pRWoN-1V Eventually a majority of these loans would become non-performing causing catastrophic losses to banks and mortgage companies including Fannie Mae and Freddie Mac.  In fact, it's the stated loan that was the primary cause of the mortgage industry meltdown.  Since the historic meltdown lenders have become very cautious on ... 01/22/2011

Sunday, January 23 Read 1 Corinthians 1:10-13,17 I urge you, brothers and sisters, in the name of our Lord Jesus Christ, that all of you agree in what you say, and that there be no divisions among you but that you be united in the same mind and in the same purpose. Lord, thank you for calling me.  I choose to follow you.  Let me not be the cause of any division among my brothers and sisters. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/22/2011

Saturday, January 22, 2011 Read Hebrews 9:2-3, 11-14 "How much more will the blood of Christ ... cleanse our consciences from dead works to worship the living God." Father, you know our hearts and our needs. You know our hopes and fears, our triumphs and our frustrations. We ask you to give us hearts of peace and mercy as we seek an end to abortion. Turn the tide, Lord, so that every child can be welcomed into life! Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/22/2011

Friday, January 21 Read Mark 3:13-19 Jesus went up the mountain and summoned those whom he wanted and they came to him. Here I am, Lord!  Thank you for calling me.  Help me to tell the world of your love and presence, to minister your peace, and to exercise your authority. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/20/2011

Thursday, January 20 Read Hebrews 7:25-8:6 Jesus is always able to save those who approach God through him,since he lives forever to make intercession for them. Jesus, thank you for knowing me and loving me beyond my wildest imagining. I lift my face to you. Come and touch me to the very core of my being Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/20/2011

Wednesday, January 19 Read Mark 3:1-6 Jesus said, "Come up here before us."  Then he said to the Pharisees, "Is it lawful to do good on the Sabbath rather than do evil, to save life rather than to destroy it?" Holy Spirit, without your guidance I cannot hope to please the Father.  Teach me how to think and act according to God's law of love and mercy. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/18/2011

Tuesday, January 18 Read Acts 2:42 "They devoted themselves to the teaching of the apostles and to the communal life, to the breaking of bread and to the prayers" Jesus, all our hope lies in you.  Soften our hearts and heal our wounds so that we can become one with all who follow you. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/18/2011

REO-Bank Owned Real Estate Buying and Selling With all the foreclosed properties on the market today it's very tempting to try and flip one or two or more to bank a nice profit. After all, we are constantly hearing stories about someone's brother or cousin or friend that is making big money flipping foreclosures. So you think to yourself if they can do it why can't you?   You are right you can do it as long as you know how to do it? There are issues that need to be dealt with when flipping a foreclosed property. If ignored your flip is doomed to fail and quite possibly cost you money at the same time. When a property is foreclosed the bank takes title to the property and it becomes what is known as a REO (real estate owned) property. Upon taking title the bank can do whatever it wants ... 01/17/2011

Cultivating Relationships that Matter in Humble TX Real Estate When it comes to investing in short sales or simply conducting business in everyday situations it's more important than ever to build strong, effective and reliable relationships that won't let you down. If you are new to short sales it is even more important to understand how to navigate these "people problems" to avoid problems and set the stage for profits. Learn how to begin cultivating relationships that matter with these quick tips below: Tap into a Team. You have heard about teamwork for years but have you ever really put it to use in your own investments? Sit down and decide who to put on your "dream team" then set out to recruit, hire or volunteer until you have the talent and expertise needed for success. Bankers, ... 01/15/2011

Sunday, January 16 Read Psalm 40 I have waited, waited for the LORD,and he stooped toward me and heard my cry.And he put a new song into my mouth,a hymn to our God. Thank you, Lord that I can know your presence.  May this knowledge fill me with zeal to love and serve you and my brothers and sisters in Christ, always! Charles Gardner,Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/15/2011

Saturday, January 15, 2011 Read Hebrews 4:12-16 Everything is naked and exposed to the eyes of him to whom we must render an account.  Therefore...let us confidently approach the throne of grace to receive mercy and to find grace. Jesus, thank you for knowing me inside and out and loving me unconditionally.  Thank you for understanding my human weaknesses.  As I cling to you, I know I will receive all the grace I need. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/15/2011

Friday, January 14 Read Mark 2:1-12 When Jesus saw their faith, he said to him,"Child, your sins are forgiven." Jesus, forgive me. Heal me. Strengthen what is weak, soften what is hard, and set my feet again on the pathway to you. Raise me up to walk with you today. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/14/2011

Thursday, January 13 Read Hebrews 3:7-14 "Take care, brothers and sisters,that none of you may have an evil and unfaithful heart,so as to forsake the living God.Encourage yourselves daily while it is still "today,"so that none of you may grow hardened by the deceit of sin.We have become partners of Christif only we hold the beginning of the reality firm until the end." Lord, awaken my spirit to opportunities to draw close to you today.  Give me your grace to turn from things that pull me away from you.  I want to practice staying in your presence all day. You are my partner Lord. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble TX 01/12/2011

Wednesday, January 12 Read Mark 1:29-39 Rising very early before dawn, Jesus left and went off to a deserted place, where he prayed.Simon and those who were with him pursued himand on finding him said, "Everyone is looking for you." Jesus, reveal yourself to me through your gospels. Help me to see you more clearly and love you more deeply as I ponder you in Scripture. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/12/2011

Tuesday, January 11 Read Hebrews 2:5-12 For it was fitting that he,for whom and through whom all things exist,in bringing many children to glory,should make the leader to their salvation perfect through suffering.He who consecratesand those who are being consecrated all have one origin.Therefore, he is not ashamed to call them "brothers" saying: I will proclaim your name to my brethren,in the midst of the assembly I will praise you. Holy Spirit, help me to remain focused on Jesus all day today.  Show me how Jesus has atoned for my sins and how he is Lord of all creation. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/11/2011

Sunday, January 9 Read Matthew 3:13-17 After Jesus was baptized,he came up from the water and behold,the heavens were opened for him, and he saw the Spirit of God descending like a doveand coming upon him.And a voice came from the heavens, saying, "This is my beloved Son, with whom I am well pleased." Father, Son, and Holy Spirit, I accept your invitation to become like Jesus and keep building his kingdom! I want to be part of your communion of love. Charles Gardner, Realtor/Investor Region Realty-Greater Houston Homes-Humble, TX 01/09/2011