REAL ESTATE

Gillespie County

CRIME STOPPERS

3 ways to report a crime anonymously:

• Webpage: gillespiecountycrimestoppers.com

• Mobile App: P3 Tips

• Hotline: 830-997-8477 (TIPS) GCCS pays a cash reward up to $2,500 100% ANONYMITY GUARANTEED

What to Know About Your Credit Before Buying a Home

It’s not just whether you pay your bills on time that matters.

Like it or not, your credit score is one of the most important numbers in your life, ranking up there with your Social Security number, date of birth, and wedding anniversary. This three-digit number is your financial report card, except there’s no getting rid of it after college. Your credit score shows lenders just how trustworthy you are when it comes to managing your finances, and it can either save or cost you thousands of dollars throughout your life. If you’re in the dark about just how significantly this number can impact you and the details behind your personal score, here’s an overview of what you need to know before hitting the mortgage application process.

How Your Score is Calculated

Your FICO credit score is comprised of five elements, according to the Fair, Isaac Corp.

1. 35% of your score is attributed to how you pay your bills. Points are added for paying on time and deducted for late or missing payments. Note: This is a big portion of your score, so if you’re not paying bills on time, it’s best to get that under control pronto.

2. 30% of your score is based on your credit utilization ratio. Translation: How much money do you owe as a portion of the amount of credit available to you? The lower this ratio, the better.

3. 15% is based on the length of your credit history. When did you open your first account (and is it still open)?

4. 10% of your score goes to the type of credit you have. Think revolving credit (such as credit cards) and installment credit (such as car loans and mortgages).

5. The last 10% is impacted by new credit applications. How often and for what types of credit are you applying?

Where to Find Your Score and Report

To access your credit report, use a website such as annualcreditreport.com, which will give you one free report a year, or creditkarma.com, which will provide you with free access to your score upon signing up for an account.

Once you have copies of your report and score, immediately look for fraudulent or erroneous information. If you find anything, immediately contact both the credit reporting agency and the company that is portraying inaccurate information to determine next steps.

How Your Score Can Cost You

Your score can range from about 300 to 850. You’ll find a variety of breakdowns on what’s considered “good” compared to “excellent” versus “poor,” but in general you’ll want to aim for a score of 740 and higher, which is the “very good” range. The higher your credit score, the more creditworthy you appear to lenders (meaning they can rely on you to pay your debts and pay them on time), which translates into lower interest rates and more money saved when taking out a loan.

Not sure how this can play out financially? Consider this:

Meet Claire: She’s 35, pays her credit card off in full each month, has all her bills on auto-draft, and never misses a payment. She’s had a positive credit history for 10 years and wants to buy a home. Claire was approved for a $200,000, 30-year fixed-rate loan at 3.75%.

Meet Steve: He’s 32, obtained his first credit card at age 18, ran up some debt in college that he’s still working on paying down, and has no system for keeping track of bills. He has consistent late and bounced check fees. Steve wants to buy a home and was approved for a $200,000, 30-year fixed-rate loan at 5.5%.

What’s all the fuss about if they were both approved? Over the life of her loan, Claire will pay $133,443.23 in interest. Over the life of his loan, Steve will pay $208,808.08 in interest. A small interest rate difference of 1.75% translates into $75,364.85 more paid by Steve! $75,000 is a pretty significant sum of money that could be used toward other goals.

Having a solid credit score is one of the most financially savvy tools for you to have on hand when it comes to buying a home. When managed wisely, your credit score will bring you confidence, peace of mind, and more money saved via low interest rates. When mismanaged or not cared for at all, your credit score can delay your success in meeting financial goals and result in additional funds and resources spent correcting past mistakes.

~courtesy houselogic~

For Rent: 3 bdr 2 bath double wide, completely remodeled. In country. Quiet and Scenic. New appliances. $1500 per month plus deposit. No pets. No smoking. Call (830) 889-3199, Broker. UNFURNISHED COTTAGE:

1/BD, 1/bath. Kitchen appliances, 2-burner electric stove top, no oven. Private drive. NO PETS! NO SMOKING INSIDE! $800/ mo (includes electric and water). $400/dep. Near Luckenbach. 830-992-1100. FOR RENT: RV, $800/ month. $300/deposit. Bills paid. Two persons only. 830-456-1770. Se habla Espanol. 1 bedroom trailer, furnished. Rent by the month, $600 monthly includes water, basic cable, electric and garbage. $300 deposit. 10 miles from Fredericksburg. 830-997- 7219.

Furnished Efficency COTTAGE: All utilities paid, including wifi. $1,000/month. $1,000/deposit. 830-7332500.

2-1 Harper, new paint, wood & tile floors, CACH, W/D connections, ceiling fans. Covered patio $1,000/rent $1,000 refundable deposit, refs required, pets neg. 830-383-5274, 111 Dian.

1 Bedroom, 1 Bath Brick cottage in quiet neighborhood, CH&A, Gas Stove, Refrigerator, Washer/Dryer connections, Covered Carport & small Patio. No Pets. $1,000.00/month, $1,000.00 Deposit. 830997-3931.

Small Office

(under 600 SF) for long term lease. Min. 1 yr,

Warehouse

SPACE FOR RENT

Could be used for shop, warehouse, or RV space. Great Highway Access, Water & Electricity. $.90-$1.00 per foot.

Different Sizes Available

Call 830-456-1797 86474.35-39

Real Estate Advertised in this newspaper is subject to the Federal Fair Housing Act of 1968 and the Fair Housing Act of 1988 which makes it illegal to discriminate against any person because of race, color, religion, sex, national origin, handicap or familial status (families with children). The law applies to rental, sales or financing of housing and lots reserved for residential use. Advertising in a discriminatory manner such as “adults only” is now illegal. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. Call 1-800-525-0657 to file a complaint.

GENERATORS

GENERAC Standby Generators provide backup power during utility power outages, so your home

Starting at $650/acre. Trans Pecos region. Also the Hill Country (Edwards, Menard, Coke, Val Verde Countiesfree ranging exotics), South Texas (Duval County - whitetail, hogs). Large or small acreage. 30-year fixed rate owner financing, only 5% down. Call toll-free or email for individual prices and terms, www.ranchenterprisesltd.com, 800-876-9720.

ADOPTION

California sunlit nursery awaits newborn. Loving family, secure future, educational opportunities, devoted grandparents. Generous living expenses, relocation possible. Call Lisa 1-510-390-3524 or attorney 1-310-663-3467.

ARROWHEADS

Indian Arrowheads Wanted – Point Type: Clovis, Yuma, Firstview & Eden. Must be old, authentic & unbroken. Absolute TOP DOLLAR paid – up to 5 figures for one point. I am a very serious high-end collector. Call 979-218-3351.

EVENTS

Chicken Fried Steak Festival, April 29-May 1, Lamesa, TX. More than 100 booths, volleyball tournament, 5K Run, live music, children’s story time, pet costume contest, petting zoo, parade, Chicken Fried Steak Cookoff, team roping, car and motorcycle show, worship service, kickball tourney, children’s story time, carnival games, tumblers & dancers, Mister and Miss Chicken Fry Pageant. For registration forms and more information go to www.ci.lamesa.tx.us or call 806-872-2124 ext. 322.

NOTICE TO ALL PERSONS

HAVING CLAIMS AGAINST THE ESTATE OF MARTHA

C. BUCHANAN, DECEASED

Notice is hereby given that original Letters Testamentary for the estate of Martha

C. Buchanan, Deceased (“Estate”) were granted to Bree Buchanan on April 4, 2022 and issued to Bree

Buchanan on April 4, 2022, Cause No. 11032, pending in the County Court of Gillespie County, Texas.

All persons having claims against this Estate which is currently being administered are required to present them to Bree Buchanan, as independent executor of said Estate, in the care of her attorneys at the address given below, within the time and in the manner prescribed by law:

Katherine C. Akinc

Megan E. McIntyre c/o Rigby Slack Lawrence Berger Akinc Pepper + Comerford, PLLC 3500 Jefferson Street, Suite 330 Austin, Texas 78731

DATED this 19 th day of April, 2022.

Respectfully submitted, RIGBY SLACK LAWRENCE BERGER AKINC PEPPER + COMERFORD, PLLC 3500 Jefferson Street, Suite 330 Austin, Texas 78731 (512) 225-6586 (Tel)

By: Megan McIntyre

KATHERINE C. AKINC State Bar No. 24065738 kakinc@rigbyslack.com

MEGAN E. MCINTYRE State Bar No. 24108303 mmcintyre@rigbyslack.com

CITATION BY PUBLICATION/POSTINGDivorce (no children) TRC 109,114,& FC 6.409, THE STATE OF TEXAS Cause No. 16786

TO: MIGUEL ESCALANTE DIAZ, Respondent: GREETINGS:

NOTICE TO RESPONDENT:

“You have been sued. You may employ an attorney. If you or your attorney do not file a written answer with the clerk who issued this citation by 10:00 am on the Monday next following the expiration of 20 days after the date you were served this citation and petition, a default judgment may be taken against you.”

The petition of IRMA LETICIA NERI CISNEROS, Petitioner, was filed in the 216th District Court of Gillespie County, Texas on the 24th day of September, 2021, against MIGUEL ESCALANTE DIAZ, Respondent, in cause numbered 16786 and entitled “In the Matter of the Marriage of Irma Leticia Neri Cisneros and Miguel Escalante Diaz. The suite requests: ORIGINAL PETITION FOR DIVORCE as is more fully shown by the Petition on file in this suit.

“The court has authority in this suit to enter any judgment or decree, including but not limited to dissolving the marriage, providing for the division of property, which will be binding on you.” Issued and given under my hand and seal of said Court at Fredericksburg, Texas this is the 19th day of April, 2022.

Petitioner- Pro Se Irma Leticia Neri Cisneros

193 Robin Lane Fredericksburg, Texas 78624

Clerk of the Court: Jan Davis, District Clerk Gillespie County, Texas

By E. Stewart, Deputy 48

NOTICE TO CREDITORS

Notice is hereby given that original Letters Testamentary for the ESTATE OF EDDIE RHEA JAMES, DECEASED, were granted on August 24, 2021, under Cause No. 10946, pending in the County Court of Gillespie County, Texas to CHARLES WADE JAMES and JOY RHEA MCANEAR.

Claims may be presented in care of the attorney for the estate, addressed as follows:

Charles Wade James, or Joy Rhea McAnear, Independent Co-Executor Estate of Eddie Rhea James, Deceased c/o Larry G. Berkman Baird, Crews, Schiller & Whitaker, P.C. 206 W. Main Street Fredericksburg, Texas 78624

All persons having claims against this estate, which is currently being administered, are required to present them within the time and in the manner prescribed by law.

DATED: April 19, 2022 48

Move It-Another Closet Self Storage Fredericksburg Pursuant to Chapter 59 of the Texas Property Code, Move It-Another Closet Self Storage located at 383 FM 2093, Fredericksburg TX 78624, will hold a public auction of property being sold to satisfy a landlord’s lien. The sale will be held online at http://www. storagetreasures.com. Competitive bids for the unit(s) will be accepted until May 17th, 2022 at 10:00am. Property will be sold to the highest bidder. Deposit for removal and cleanup may be required. Seller reserves the right to refuse any bid and to withdraw item(s) from sale. Property in each space may be sold item-byitem, in batches, or by the

LEGAL NOTICE:

Application has been made with the Texas Alcoholic Beverage Commission for a Distiller’s and Rectifier’s Permit by Modisett & Sons, LLC dba Modisett & Sons Distillery, to be located at 405 E. Main Street, Fredericksburg, Gillespie County, Texas 78624. Tom Modisett, Officer, Manager. 48-49

Notice of Proposed Real Estate Transactions

Texas Parks and Wildlife Commission Meeting May 26, 2022

Acquisition of Land –Gillespie County Approximately 41 Acres at Enchanted Rock State

Natural Area

In a meeting on May 26, 2022, the Texas Parks and Wildlife Commission (the Commission) will consider authorizing the acquisition of approximately 41 acres at Enchanted Rock State Natural Area. The public will have an opportunity to comment on the proposed transaction before the Commission takes action. The meeting will start at 9:00 a.m. at the Texas Parks and Wildlife Department Headquarters, 4200 Smith School Road, Austin, Texas 78744. Prior to the meeting, public comment may be submitted to Trey Vick, Land Conservation, Texas Parks and Wildlife Department, 4200 Smith School Road, Austin, Texas 78744, or by email to trey. vick@tpwd.texas.gov, or via the department’s website at www.tpwd.texas. gov. Please be aware that public participation options may change due to the COVID-19 pandemic. Visit the TPWD website at tpwd. texas.gov for the latest information.

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Legal Notice: An application has been made with the Texas Alcoholic Beverage Commission for a Winery License by Michael Ros Winery, LLC dba Michael Ros Winery to be located at 982 Old San Antonio Rd, Fredericksburg, Texas in Gillespie County, Texas. Officers of the corporation are Michael Mitrione and Rosann Mitrione.

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PUBLIC NOTICE

PUBLIC NOTICE

NOTICE OF APPOINTMENT OF HELEN DASSINGER WHETSTONE as Independent Executrix of the Estate of THOMAS MOORE WHETSTONE, Deceased.

Pending in the County Court, Gillespie County, Texas, Cause No. 11052.

TO ALL PERSONS INTERESTED IN THE ABOVE ESTATE:

WHEREAS, on the 14th day of April, 2022, in the County Court, Gillespie County, Texas, the undersigned duly qualified as the Independent Executrix of the Estate of Thomas Moore Whetstone, Deceased.

Notice is hereby given that Original Letters Testamentary on this estate were granted and this is to notify all persons having claims against said estate to present the same to the undersigned within the time prescribed by law. Any person indebted to said estate is hereby notified to pay same to the undersigned: HELEN DASSINGER WHETSTONE, Independent Executrix of the Estate of Thomas Moore Whetstone, Deceased.

Address: c/o Granstaff, Gaedke & Edgmon, P.C.,

Attorneys, Attn: Bryan P. Myers, 5535 Fredericksburg Road, Suite 110, San Antonio, Texas 78229.

Dated at Fredericksburg, Gillespie County, Texas, April 27, 2022.

Application has been made With The Texas Alcoholic Beverage Commission for A Wine and Malt Beverage Retailer’s Permit by Crockett Haus LLC dba Crockett Haus to be located at 112114 N. Crockett Street, Fredericksburg, Gillespie County Texas. Members of said LLC is Edward Cowsar – Member & Robin Cowsar – Member #47-48

PUBLIC NOTICE

PUBLIC NOTICE: Application has been made with the Texas Alcoholic Beverage Commission for a Mixed Beverage Permit, by Revel TX, LLC d/b/a Revel Kitchen + Catering, located at 721 Brehmer Lane, Fredericksburg, Gillespie County, Texas. Marisa N. Pettit, Maximiliano Pettit, Members. 47-48

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