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Francois Delille


Francois Delille

NB Elite Realty


My Score

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Diamond Level
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Level Points Symbol
5 (Diamond) 1,600+
4 (Platinum) 900 - 1,599
3 (Gold) 500-899
2 (Silver) 200-499
1 (Bronze) 1-199

Recent Participation

Will my home sale after hurricane harvey if it didn't flood?

A.R.nThe demand for non flooded housing is up, so you should feel confident. Expect the lender and inspector to do more thorough inspections but if you did not flooded at all, you have nothing to worry about to the opposite.nfrancois@cozy-homes.comnPS: more...Posted 1 month ago

Should I relist now or wait?

We had about 10 listings after harvey, all got tons of inquiry the week end after Harvey past for both rental and purchase. Rental seems to be in higher demand from the displaced people as people have not fully decided what they want to do (fix their more...Posted 1 month ago

What equation do you use to determine closing costs on your loan?

Christian,nThere are two types of closings costs: lender costs and title company costs. The title company costs are regulated. The lender costs vary based on what you negociated.nYour lender should create a good faith estimate(GFE) that include both more...Posted 5 months ago

Hello, we will be moving mid July into a rental property. Is it too soon to begin looking and/or inquiring about listings?

Hi Brittany,nI own a property management company and we don't hold properties for more than 2 weeks if they are vacant. nA good timing is to look 3 weeks before your lease is up. You can follow the market before so you are familiar with the prices but more...Posted 5 months ago

Manual Underwriting Mortgage

Hi Leonardo,nWhy would you want Manual underwriting? Traditional lenders do that when there is an issue with the file. nIf you are looking for more lenient lender for people with credit issues, I can help you as long as you have a sizeable downpayme more...Posted 7 months ago

I need to find a agent to find me a place to stay

Hi Evelyn,nAt the Cozyhomes team, we cover the entire Houston area. We would be glad to help you, where abouts do you want to move.nFeel free to call us.nfrancois@cozy-homes.comn713 397 8857Posted 6 months ago

Im looking into buying land to build a home .

Hi Daniel,nYou will need to do environmental studies and go through permitting process. Feel free to call to discuss, building your own house and finding the land is a real project. Don't underestimate the amount of work needed.nRegards, more...Posted 7 months ago

I want to buy a second house. Should I get a regular mortgage or get a equity loan?.

Hi Edgar,nIt depends on the % of your house value that you need to purchase the 2nd home.nIf the amount you need is only 20% of your current's house equity/value, a line of credit is more adapted, if you are needing 70/80% a regular mortgage refinance more...Posted 7 months ago

Does anyone know of any mortgage loans with no income qualifications

Hi Lynne,nYes I know of great products but you need to have 30% down. Will that work?nfrancois@cozy-homes.comPosted 7 months ago

I am out of state now

Meirett,nAs agents, we have access to a more detailed autosearch function that I can help you set up. nWhat is your timeframe for you sale? Feel free to contact me to discuss more.nBest,nfrancois@cozy-homes.comPosted 7 months ago

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