Welcome to our Monthly Newsletter
As a valued customer of ours we would like to provide more value to YOU each month. From monthly sales @ the 5C Home Store, floral design updates, events happening within your community, vendor spotlights, updates within the housing market, to our monthly featured recipes. A full collection of all things going on to keep YOU in the KNOW for the month ahead.
We appreciate all your support and wish you the BEST!
THE GIFT OF GIVING
The 5C Home Store Update
The 5C Home Store teamed up with
Heart-N-Home Real Estate Group
& Integrity Mortgage for a
Winter Charity Drive
We want to say a huge thank you to all of those who donated to our 1st Annual Winter Drive to bring warmth to the homeless this holiday season!
We had many donations come in both here at The 5C Home Store and in Richardson, TX. We were able to fill our entire trunk with items such as jackets, socks, scarfs, blankets, gloves and more!
The Noble Life Outreach was so thrilled to receive all the items and thanks you for your generosity this season.
We wish you all a blessed New Year!
Open Mic On Market
Every 2nd Thursday 6-8PM Next Event Jan 12th
200 Market St. Winnsboro, TX (WCA)
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MLK Annual Celebration
Monday January 16th 11:00AM-2:00PM
MLK Community Park(corner of Connie Mae & Elm) --------------------------------------------------------------------------------------------------
Bob Livingston on the Bowery Stage
Saturday January 28th 7:30PM
Winnsboro Center of Arts EVENT
(Get Tickets on their FB Event Page)
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Present Hill Quilters
Saturday January 28th 10:00AM-1:00PM Winnsboro Civic Center (900 Wheeler Drive)
Tickets $20 online or at the door
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POUR ME, POUR ME ANOTHER ROUND SIP 'N SHOP
Join us for the 2022 Winnsboro Sip 'n Shop every Second Thursday of each month from 3-6 PM ! Stroll downtown Winnsboro and collect stamps to unlock savings.
Collect 6 stamps for 10% off and all 12 for 20% off a single item at a participating business.
Pick up Passport @ Bowery Boutique
220 Market Street
*Limit one passport and discount per customer*
NEW BUSINESSES OF 2022
Promised Land Bakery
219 E. Broadway Street
Escobedo's Scratch Kitchen
203 Market Street
The Golden Goose
606 S. Main Street
Latham Grey Boutique
810 W. Broadway
DNA Smoke House
503 E. Carnegie Ave
Bunkhouse B&B (Airbnb Location)
One Mile outside of Winnsboro
Lorraine Howard Photography
113 E. Elm Street
Carnegie Cottage (Airbnb Location)
Corner of Carnegie & Walnut
The Elusive Turkey- Restaurant & Bar
218 N Main Street
Backstage Coffee Lounge
217 Main Street
Havens Café
303 Main Street
Coyote Smoke BBQ
NEW LOCATION COMING SOON
Pump Gym House
500 Park Street
Modern Country Art Gallery
215 N. Franklin
Elm Street Apothecary
300 Main Street
Angelic Interior Designs
606 Main Street
Rust BBQ - Every Saturday @ Cypress Brewery
200 E. Carnegie
VENDOR SPOTLIGHT
Directional Wellness
213 N. Main Street
Winnsboro, TX 75494
Cheryl's Story
“I came to Winnsboro from West Texas with a corporate job that allowed me to move anywhere in the state of Texas. I chose Winnsboro to be close to kids and grandchildren to come. In September 2001, I resigned from my job, became involved in the community and soon fell in love with Winnsboro. The buildings at 209 and 211 North Main came up for sale and I bought them in 2004. They were a mess…so the work started. We were able to get the building at 211 ready for a rental ( Redneck Ranch) and opened up the CopperLeaf on September 5, 2005…and the rest is history.”
Keep scrolling to see how Cheryl's story continues and all the new and exciting things she is bringing to Winnsboro
She opened the Medical Spa division of the CopperLeaf Spa ( later named Directional Wellness LLC) by partnering with Dr Kathleen Querry in 2009. At that time they started with Aesthetics ( Botox and Fillers) and Lasers. Within 2 years they became one of the first affiliates in the Upper Side East Texas as a BioTe BioIdentical Hormone Therapy provider.
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In 2017 I purchased the building next door and redesigned it to be medical spa treatment rooms. To our already successful Botox and Filler business we included more lasers, CoolSculpt fat dissolving, Viora Skin Tightening, and began to develop the Hormone Therapy business.
We added another Doctor at that time. In building the Hormone therapy component of Directional Wellness, we brought on a very talented Medical Assistant who had “medic” experience in the military so we began IV therapy and MIC/B-12 shots.
She has added and will continue to add another dimension to our wellness and preventative care.
The future of health is lifestyle changes, good habits, nutrition and whole health.
We believe in enhanced immune systems, gut health and nutritional support. Our doctors plan on being the one stop shop in wellness by keeping up with the trends, offering services that support nutrition and optimal health.
Find Exclusive
BioTe Bioidentical Hormone Therapy
@ Directional Wellness
Stay tuned to what is next!
With Love,
Cheryl Estes
Please show our featured vendor for the month some love and stop by Directional Wellness to check out some of their amazing health and wellness products and services. For the full month of January be sure to bring your Directional Wellness receipt to our store (The 5C Home Store) to enjoy 30% off one regular priced item (some exclusions apply). One discount provided per receipt provided.
KEEPING CURRENT MATTERS YOUR MONTHLY REAL ESTATE & MORTGAGE UPDATE
Your Realtor Note
Is Your Homestead Filed?
How & when do you file your Homestead Exemption?
To apply for a homestead exemption, you need to submit an application with your county appraisal district. Filing an application is free and only needs to be filed once. The application can be found on your appraisal district website. You can file the application for a homestead exemption at any time. If your application is postmarked by April 30th, the exemption can be processed in time for your property tax bill that comes out in the fall. If you file after April 30th, the exemption will be applied retroactively if you file up to one year after the tax delinquency date (typically February 1st of the following tax year). You can also apply anytime for the over-65 or disabled person exemption after you qualify for the exemption; the exemption will be applied retroactively if you file within a year of turning 65 or becoming disabled.
What happens if you don't pay your property taxes?
If you do not pay your property taxes, the county can put a lien on your homestead and foreclose on your home unless have qualified for a deferral. After foreclosure, you have two years to buy back your home. Your homestead is not be subject to foreclosure for unpaid property taxes from 20 or more years ago. Homeowners with an over-65, disability, or disabled veterans exemption are eligible for a deferral from property taxes until they die or until the home is no longer their primary residence, at which time all the taxes are due unless the person’s heirs also qualify for a deferral. Interest on the deferred taxes accumulates at an annual rate of eight percent and is due at the same time as the taxes. If you are eligible, you can apply for a deferral from your county appraisal district. You should first check with your mortgage company to ensure your deferral won’t violate your loan terms.
HAVE MORE QUESTIONS? I WOULD LOVE TO HELP SEE BELOW FOR MY CONTACT INFO
So if your thinking about buying and want to start the conversation if now may be a good time for you I would love to help you line out those goals and make your home buying dreams possible.
– Jorden Anderson
Looking to sell or buy a home, I'd love to help you make it happen
Jorden Anderson
Heart-N-Home Real Estate Group
559-331-1627
jorden.anderson@kw.com
2023 UPDATE
New Max Conforming Loan Limits Available
When you get a mortgage , there’s a limit to how much you can borrow. On an individual level, this will be determined by how creditworthy you are and how much you can afford to spend each month.
At the industry level, lenders are limited by how much they can lend to borrowers if they want their loans to conform to the standards set forth by the Federal Housing Finance Agency (FHFA). Conventional loans that meet these standards are called conforming loans .
The FHFA has announced its conforming loan limits for 2023. Spoiler alert: Your buying power is increasing.
So, what exactly are these limits?
The baseline conforming loan limit for 2023 is $726,200 – up from $647,200 in 2022. The limit is higher in Alaska and Hawaii, where the number is $1,089,300 for a 1-unit property.
If you need a home loan that exceeds the conforming loan limit for your county, you’ll have to get a jumbo loan , which allows higher loan limits. However, these loans are typically harder to qualify for, requiring higher credit scores and larger down payments.
Your Lender Note
What is a Conforming Loan?
Conforming loan limits are tied to home prices . Each year, the FHFA updates its baseline loan limit based on its House Price Index (HPI) report, which tracks the average increase in home values over the previous year. The new loan limits are calculated each year based on third-quarter data from the FHFA HPI.
Conforming loans are great for consumers because they typically come with lower interest rates than other non-conforming loan types . If you’re trying to purchase a home whose sale price exceeds the conforming loan limit for your area, increasing your down payment so that you stay within the limit can be one way to be able to enjoy the benefits of a conforming loan without having to take out a jumbo loan or a second lien .
If your looking to buy in 2023 it is best to start the process early in order to make sure you are prepared and ready to go when the time comes. As there may be a few things you can do to help boost your credit score, save money, or pay of debt to make your ratios better. I am always happy to help my clients look into things ahead of time to get them on the right track. Would love to help you with your goal as well!
If your interested in seeing what is possible for you I'd love to chat about your goals
Integrity Mortgage Corporation of Texas
Daniel Anderson
512-639-1651
daniel@imctx.com
WE APPRECIATE EACH AND EVERYONE OF YOU! THANK YOU FOR SHOPPING AT OUR STORE AND CONTINUING TO SUPPORT OUR FAMILY BUSINESS
UNTIL NEXT TIME, MAKE SOME MAGIC HAPPEN
HAPPY NEW YEAR
