Dave Howell of Clover Properties, LLC in Boerne, Texas was recently awarded the certification sponsored by the Texas Realtor University, Texas Association of Realtors®.
Dave Howell completed the requirements for the award of the Texas Affordable Housing Specialist in San Antonio, Texas sponsored by San Antonio Board of Realtors (SABOR) . This certification involves education about lending practices and lending programs for Texans, and is offered by Texas Association of Realtors®.
Dave has completed over 8,000 real estate transactions, and has over 20 years experience with title, mortgage lending, home inspection, home building, property management, land acquisition and development, single family homes, condos, 1031(k) exchanges, trust real estate sales, short sales, and town home real estate.
The completion of this certification increases Dave's ability to assist home buyers with the troublesome task of financing a property. Today, over 95% of all real estate purchases are financed.
U.S. Department of Housing and Urban Development (HUD) education included FHA, mortgage insurance premiums, Section 203-b basic products, 234(c) condo financing, 203-K rehabilitation financing, energy efficient mortgages, 203(k) refinancing, 203(h) disaster relief financing, and manufactured home financing.
In addition the education included appraisal processes, closing costs, down payment assistance, funding sources, bonds, Texas Veteran programs (TXVET), Veterans and Administration (VA) programs.
Dave's certification makes him better qualified to explain the many options available to Texans for affordable housing and he is taking new clients now in the Boerne, San Antonio metropolitan areas.
For information about clover Properties visit www.realestatecp.com or call Clover Properties at 210-618-6566 directly.
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