January 17th, 2011
Job description: Chavana Tax and Insurance has immediate availability for a part time, paid intern. The intern will normally work between four and twelve hours per week and may float between two locations, one on Little York and one on Irvington. The hours are subject to need and performance. The intern, if qualified by performance, may be offered the opportunity to operate his or her own office at the end of this year. The candidate will draft income tax returns and perform basic service on insurance accounts.
Minimum Requirements:
Strong Spanish/English Bilingual skills
Transportation
Strong Computer Skills
Basic Math Skills
Good People Skills
About the candidate: The ideal candidate will have a flexible schedule and will be able to work different schedules weekly. No experience is necessary, but basic math skills are required, along with the ability to relate to the clientele. The candidate need not be interested in operating his/her own branch. However, if the interests exist, the candidate will need to be able to make a full time commitment at the end of this year. Further, the candidate, if interested in opening a branch, will need to have an entrepreneurial spirit.
I would love to speak with you if you feel that you might be a good match.
Please email me your resume.
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January 13th, 2011
The Chavana Office is accepting applications for a position as a tax preparer and insurance sales person. The position shall be tailored to the availability, experience and career aspirations of the applicant. As such, the position may be temporary, part-time or full-time. Compensation may include a base salary plus commission or may be based on commission only, for those looking for an entrepreneurial position, with unlimited earning potential. The position may include a combination of commission and base salary. We will tailor the opportunity to the experience and skills of the candidate.
The applicant will begin preparing tax returns this season, and may be trained to take the exam for an insurance sales license (if the applicant does not yet have one).
Minimum requirements include familiarity with basic computer software, Spanish-English bilingual skills, people skills and reliable transportation.
For more information, please fax your resume to 713-979-5718 and/or email to hector @ newdaylending.com Do not include the spaces in the email. Please call to make sure that we received the resume. The office number is 713-695-3072.
The Chavana Office consists of Chavana Tax and Insurance. In the office, the law practice of Hector Chavana Sr is also housed. Real Estate brokerage should be added later this year, and it is also the home of El Pueblo Newspaper.
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December 4th, 2009
Hector A. Chavana Jr., Founder
Hector A. Chavana Jr. offers new clients the opportunity to place their business with a firm that gives back. Get your insurance9, tax return, real estate transaction or mortgage through Hector A. Chavana Jr. and you can tell him which of your favorite, charities, non-profits, activist or community groups you want 20% of his revenue to go to. The donation must be mentioned at the time of transaction and not after. It’s that simple.
Existing clients may participate by opting for a new service.
The Chavana office is a leader at fax and e-service. Avoid the long lines and hassle by faxing or emailing10 your tax return documents or switch your insurance immediately without stepping foot in the office. Give back!
Call today 713-695-3072.
Terms and Conditions
1. Pilot program expires March 29th, 2010, but may be renewed.
2. At its sole discretion Chavana reserves the right to refuse donation to any morally or politically reprehensible causes.
3. Donation is based off the first transaction only, and does not apply to renewal revenue.
4. All donations must comply with the law.
5. Existing customers are excluded, unless they are electing a new service.
6. The donation of 20% of the revenue only applies only to the office revenue. Revenue which goes to outside servicers or partners is excluded.
7. Donations over $100 based on insurance revenue may be subject to timed release.
8. Other conditions shall apply as necessary
9. Insurance is offered through Chavana Insurance, A Branch of The Woodlands Financial Group (TWFG). Realty Services are offered individually by Hector A. Chavana Jr., an agent for Realty Associates. Tax services are offered by Chavana Tax, wholly owned by Hector A. Chavana Jr. Mortgages are offered through New Day Lending, wholly owned by Hector A. Chavana Jr.
10. Many, but not all transaction are available through e-mail and fax.
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October 15th, 2009
I have had more than one client take out a home equity loan for a specific purpose, only to find later that they made no use of the money. In one case, my client took out a home equity loan to begin the business of flipping properties in Houston, Texas. Another took out a home equity loan with the intention of developing an empty lot that they owned.
The first gentleman simply decided that he no longer wanted to engage in the business of flipping properties. The second gentleman, well apparently he had a great deal of fun. (What happens in Vegas stays in Vegas, so I didn’t ask for details). Both of them later asked me what they should do with the money.
After all appropriate disclosures and disclaimers, I told them that if they didn’t have anything productive to do with the money to pay it back. In sum, they had no idea of how they could best invest their money to make it earn more than what they were being charged in interest. I also told them that they should keep some money in reserve, especially in this economy. Many personal finance experts are regularly recommending a reserve of six to nine months of monthly expenses.
I explained to them that the sooner they paid back the money, instead of hording it in the bank, the less interest they would pay over all. I don’t have regular contact with the majority of people whom I brokered home equity loans, so I find it telling that I might hear this from some of my ex-clients. It made me wonder how many others took out home equity loans for a project that was never completed.
Posted in Personal Finance | Comments Off
October 14th, 2009
Loan modification in Texas is not much different than in other states. However, your best bet might be to look for a non-profit agency that can counsel you on how to get your mortgage modified in Texas. Houston, Austin, Texas, San Antonio and Lubbock all have great loan modification experts. Just make sure that you get referrals before you use one. Ask the person for a license. In Texas, the regulatory agency has decided recently that anyone actively engaged in loan modification must be licensed, and they are working with operators to being them into compliance.
Posted in Compliance, Personal Finance, Products | Comments Off
October 14th, 2009
Refinancing in Houston, Texas or Dallas, San Antonio, Lubbock, or Austin is still a good idea. Rates are at historic lows. Sometimes you will have to make the decision to use a mortgage broker or a direct lender, like a bank or mortgage bank. Of course try your application with New Day Lending, but you may still want to shop around for different lenders. There is no harm in that.
Compare Good Faith Estimates.
Just make sure that you remember that the estimates are given in good faith, and are not a promise or contract. The estimate’s good faith is as good as the character, knowledge of the person providing it, as well as the market conditions that you find yourself in. If you like a rate being offered, ask about locking the rate. Low mortgage rates in Texas are available. Look for them!
Posted in Personal Finance, Products | Comments Off
June 4th, 2009
If you are in Houston, Dallas, San Antonio or any city in Texas doing loan modifications, or loss mitigations, you must be licensed…
From: licensing@sml.state.tx.us
To: Mortgage Brokers
Loan Officers
Mortgage Bankers
Continuing Education Providers
Financial Services Companies
CC: TDSML Listserv
Subject: Loss Mitigation Providers
There is much discussion among the state regulators regarding the necessity for licensure of loss mitigation providers, loan modification consultants, or foreclosure consultants (herein “loss mitigation providers”). Fortunately there is no ambiguity in Texas: any activity that meets the definition of a mortgage loan as defined in the Mortgage Broker License Act Regulation, 7 Texas Administrative Code, Chapter 80, does require a license unless exempt under the Mortgage Broker License Act, Finance Code Chapter 156.202.
80.2(5) “Mortgage Loan” means any indebtedness secured by a lien against, or security interest in, one-to-four family residential real property when the property is intended to be occupied for residential purposes whether or not the property is acquired for investment purposes or acquired for owner occupancy. It includes new loans and renewals, extensions, modifications, and rearrangements of such loans. The term does not include a loan which is secured by a structure that is suitable for occupancy as a one-to-four family residence, but is used for a commercial purpose such as a professional office, beauty salon, or other non-residential use, and is not used as a residence.
It is not the intent of the department to stop the valuable work loss mitigation providers are doing during this period of financial uncertainty. If a loss mitigation provider voluntarily comes forward to apply for licensure, the department will work with the provider by issuing a provisional license so that the provider may continue to conduct business while meeting the educational and examination requirements of the license. The provider should contact the Division of Licensing at licensing@sml.state.tx.us for details.
Douglas B. Foster
Commissioner
Posted in Compliance | 1 Comment »
June 2nd, 2009
If you ever need to mail an SR-22 certificate, mail it to:
Texas Department of Public Safety, Att: DIC, P.O. Box 4087, Austin, Texas 78773.
This is the address for Texas SR-22 certificates.
If you need SR-22 insurance call Chavana Insurance at 713-695-3072 in Houston.
Posted in Texas Drivers License | No Comments »
May 29th, 2009
Texas DPS has a FAQ sit which tells you about how to get and maintain a license.
Posted in Personal Finance | No Comments »
