ABCDEFGHIJKLMNOPQRSTUVWX@#$%^&*()_+|}{:”<>?,./?><”:|}{+_0123456789012345678901530987654321ABCDEFGHIJKLMNOPQRSTUVWXYZABCDEFGHIJKLMNOPQRSTUVWXYZABCDEFGHIJKLMNPAGE 11DMIDLAND REPORTER-TELEGRAM, SUNDAY, MAY 5, 2019

GREAT WEEKEND retreat 1.5 hours fromMidland on Lake Sweetwater, 2 cabins withcarport and garage. $72,500. Can be seen at

MorganReal state.com.333 County Road 252. Pam Reynolds-Realtor

OFFERED FOR SALE BY OWNER1650 ACRES +- Concho River FrontageDeer Breeding Facility, Hunting Lodge

& Private Homes, Game Fenced.Located 12 miles west of San Angelo

Contact: 214-707-5833 www.dfrranch.com

Classified Ads - For SaleAuction #2019-005

An online auction of Midland College surplus property will beheld by Rene Bates Auctioneers, Inc. The auction will begin onThursday, April 18, 2019 and close on Thursday, May 7, 2019.Items will be available for viewing and bidding on theauctioneer=s website: http://www.renebates.com. The Collegewill be auctioning commercial kitchen equipment such as walk-incooler, stainless steel tables and sinks, dishwasher, ovens andetc. For additional information, contact Barbara Fennell, Directorof Purchasing, (432)686-4250 or bfennell@midland.edu. TheCollege reserves the right to accept or reject any and or allauction bids. For a complete list of instructions, or to participatein the online auction go to http://www.renebates.com.

AD33349

NOTICE BY PUBLICATION

STATE OF TEXAS

To Sierra Dezirae Juarez, Respondent:

You have been sued. You may employ an attorney. If youor your attorney do not file a written answer with the clerk whoissued this citation by 10:00 A.M. on the Monday next followingthe expiration of twenty days after you were served this citationand petition, a default judgment may be taken against you. Thepetition of Jaime Levario Moreno and Celia Noriega Moreno,Petitioners, was filed in the 318th District Court of Midland Coun-ty, Texas on April 11, 2019 against Sierra Dezirae Juarez, Re-spondent, numbered AD33349 and entitled "In The Interest ofC.L.J., a child." The suit requests the termination of the parentalrights and granting of the adoption of a child. The date andplace of birth of the child who is the subject of the suit:

C.L.J. Male February 2, 2010 Midland, Midland County, Texas

The Court has authority in this suit to render an order inthe child’s interest that will be binding on you, including the ter-mination of the parent-child relationship, and/or the appoint-ment of a conservator with authority to consent to the child’sadoption, as well as the adoption of the child.

Issued and given under my hand and seal of the Court atMidland, Midland County, Texas, on April 4th, 2019

Alex "Lex" ArchuletaClerk of the District Court of Midland County, Texas

By Kimberly Garcia, Deputy

PUBLIC NOTICE FOR BID

Midland County Hospital District is Requesting Proposals for:

Promotional Products, Apparel, and Other Related Items for

Midland Memorial Hospital.

Specifications may be secured at Materials Management ofMidland Memorial Hospital located at 400 Rosalind RedfernGrover Parkway, Midland TX 79701 on or after Monday, May6, 2019.

All proposals must be received in the Department of MaterialsManagement of Midland Memorial Hospital by 12 Noon,Tuesday, May 21, 2019.

All proposals must be sealed and labeled "RFP # 1264-050619"

Under no circumstances will faxed proposals from bidders beaccepted.

All proposals must be price protected until May 20, 2020.

All proposals will remain confidential until after an award hasbeen made. Offerors will then be allowed to review the proposalsin the purchasing office according to the policy and proceduresof Midland Memorial Hospital. Midland County Hospital Districtreserves the right to reject any and all bids and to waiveformalities.

Proposals shall be addressed to: Amy Jean Fultz

Director, Supply Chain Midland County Hospital District

Midland Memorial Hospital 400 Rosalind Redfern Grover Pkwy

Midland, Texas 79701

PUBLIC NOTICE

Glasscock County ISD is accepting proposals for the purchase of propertyand casualty insurance, cafeteria supplies, janitorial supplies, copy paper,diesel fuel, unleaded gasoline, propane, lubricants, vehicle maintenancesupplies, and liability insurance. Specifications are available in the superin-tendent’s office of the Glasscock County ISD located in Garden City, Texas. Acopy of the specifications may be examined from 9:00 a.m. until 3:00 p.m.Monday-Thursday in the Administration Building located at 308 WestChambers, Garden City, Texas.

For more information call the superintendent’s office at 432-354-2230 or writeto P O Box 9, Garden City, Texas 79739. For technical information on theproposals call Scott Bicknell, Superintendent, or Tony Gomez, MaintenanceDirector, or ReeAnn McKinnon, Cafeteria Director, at 432-354-2230.Proposals must be received by 12:00 p.m. on June 3, 2019. GlasscockCounty ISD reserves the right to accept, reject, or postpone any or allproposals. The district will consider each proposal’s advantages to the districtand will act in a manner that the board considers most advantageous to thedistrict. All applicable laws, rules, and regulations take precedence.

LOCATED ON N. BigSpring Street for saleor lease. approx. 6000sq. ft. corner lot/ retail.Excellent for Flowershop, Beauty Shop orother retail. Owner fi-nance $75,000 down,flexible payments 432-631-2905 or 432-682-5157.

TOYOTA 2016 CamryXLE, 4 dr sedan,leather interior, 18Kmiles, excellent condi-tion. $17,500. 432-553-1112

2015 CHEVY Cargovan, 33,000 miles.Asking payyoff$22,745. 432-528-1609

Jayco 2015WhiteHawk. Like new.By owner. $22,000,432-308-1930

2012 CUSTOM built 38’5th wheel, Hitch Hikerby NuWay 3 sideouts,Cherrywood finish, re-frigerator & deepfreeze, Satellite sys-tem w/2 receivers & 2TV’s, other extras. 1owner, non smokers,no pets. Dept undercovered storage.$25,000 OBO. 806-872-5304 cell 806-543-7893

FOUND POODLE 432-631-2663, Must haveproof of ownership,Looking for OWNERS

KING PLATFORM bed,entertainment center117 L x 21D x 80H.432-661-8622.

APARTMENT FORRENT 3 room cottage,30 x 60 carport,Greenwood school,$825 mo, $475 depos-it. 432-528-1609,

Duplex for Rent2 Bd 1 BA no smok-

ers, no pets, $1,800 amonth w/ $1,800 de-posit Call 432-528-

7810

4415 CROCKETT 2bedroom 1 1/2 bath forlease, no pets, 2 story.Private back yard. Call602-432-0888 formore information.

HOUSE FOR rent $600per month. Call 214-372-6516. 1711 E.Kentucky.

3 BEDROOM 2 bathdouble car garage. Allappliances, fireplace$1,500 deposit,$2,350 monthly. FreeCredit application.432-553-8397 or 432-699-4420

4 bed 2 bathnewly remodeled

on 2 acres.$1,100 month.Lease to own.575-937-9377

3509 SCR 1225 4 bed-room, 2 bath. Call formore information. 432-553-4454

3BD 2BA house forsale, 2 car garage, allstainless steel appli-ances included, re-modeled, $278,000

Call 361-933-6908

900 E. Sorrell Lane,Saddle Club Estates,3 bed, 3.5 baths,$525,000. Mary AnnHolcomb, Realtor,Keller Williams Realty432-634-2342

LAKE BROWNWOODlot for sale onMcCarthy Island, deepwater. Call 575-390-5951 for more info.

BEAUTIFUL LOT onsite Lake Leon (East-land, TX.) on deepwater out of floodplain, storage building& carport, lots oftrees. Reduced Price!Call 254-488-0299 formore infomation.

LOOKING FORHUNTING/RECREATIONAL PROPERTY.WE HAVE SOME OFTHE BEST IN TEXAS,FROM THE HILLCOUNTRY TOSOUTH TEXAS.LARGE ACREAGEOR SMALL, 30 YEARFIXED RATE OWNERFINANCING, ONLY5% DOWN.ranchenterprisesltd.com 800-876-9720.

TWO BURIAL plots,Resthaven MemorialPark. Garden of LastSupper section "EB"lot 51 space 4 & lot 52space 1. Valued at$5,495 per lot. Forsale at $4,000 perplot. Must buy bothplots. Email:ed@johnstonprop.com

For sale by owner 3shaded cementary lotsin Resthaven Memori-al Park, prime loca-tion: section G lot #10, spaces 1,2 and 3,(only lots available inDevotion Garden),$15,000 plus transferfee’s, text/ call 940-704-9322

7100 ACRE 2019 Cor-porate Hunting LeaseSchleicher Co. FMI325-853-2062

DEER LEASE WhiteTail & Mule deer atBest, Texas west ofBig Lake. Need 7hunters. Contact 940-284-1518

200 THOUSANDbarrels per day of

water to be exported bypipeline. Lease orsale in the Permian

Basin. Call830-968-1572

40 acres in Cumber-land county land,needed establishedOil and Gas for explo-ration, call Emanuel

754-368-3300

109 ACRES BanderaCounty near Tarpley.Rough Rugged HillCountry. Super Views.High fenced. Exotics.Home & Cabin. End-of-Road privacy.$760,000 Kerr LandCo. 830.896.2587

FOR SALE3 sections for sale bytrustee, 1,920 acreranch north ofLamesa, rough grass-land, lake, hunting,rock pit, fenced, min-erals, $1,100 per acre

(806)-407-6900

LAND FOR SALE 1/4section on Live DuckCreek. Deer, turkey,quail, hogs, ducks &fishing. 3 hour drivefrom Midland.$620,000. 361-443-1720.

FOR SALE by owner2014 single wide mo-bile home, 3 bedroom2 bath on 1.3 acres.$130,000. 432-741-5525.

*SUPERIOR PLUMBING* NEW COMMERCIAL construction,

remodels, commercial and residentialservice. Sewer, gas and water line

replacements. 432-687-5905.

DAN’S ROOFING & PAINTING.In Midland Since 1984.

All residential & Commercial Projects.We do all types of roofs.

We will work with your insurance Company.Se Abla Espanol, Free Estimates, References, Senior &Veteran Discounts A Plus BBB Rating. 432-260-7635

Mention this ad for a $300 Discount!!

PATIO CLEANINGUPSCALE PATIO & CLEANING SERVICE

Professional Patio, Window & Gutter Cleaning. Crete Surface Restoration.

Will haul off old patio furniture. Spring Clean Your Patio’s Now.

Free estimate with an appointment. Call Rick Sanders @ 432-296-0723

email: upscalepatiocleaning@gmail.comweb: www.upscalepatiocleaning.com

WE HAUL IT - We hauljunk, trash, treasures.We clean garages,yards & storage build-ings. Flexible, compet-itive rates. Call Earl @432-288-0040

ALL YOUR electricalneeds met. Call G&S

Electric. 32 Yearsexperience. 432-685-

0859. Tecl # 22541

LAING ELECTRIC.432-413-5880 L i -censed and insured.TECL 18544. Alwaysappreciated!

ABC FENCENative Midlander

building and repairingfences since 1979.

Call Lonnie432-528-5262

F E N C E & RoofingHome Maintenance,Best Prices, Repair orreplace. Free Esti-mate. Call FrankWright 432-818-8851

DEK PAINTING interior exterior paint-

ing repairs, woodwork, all kinds oftexture. Free esti-mates. Call Kevinat 432-235-3626

DOUBLE TTPAINTING

Interior and ExteriorTexture, tape & bedLow Prices. Work

gauranteed. Referen-ces Available.432-288-7849or 352-4633.

Ë FLAWLESS PAINT& H A N D Y M A NSERVICE. Specializ-ing in painting, dry-wall, drywall repairand textures, epoxyfloor finish, tile andpopcorn acoustic re-moval, power wash-ing. Workmanship sat-isfaction guarantee.10% law imforcement& veterans discount.Call for your free esti-mate. 432-528-2865

HOUSE PAINTING andrepairs, 30 years ex-perience, registeredLLC company, cleanand reliable work. CallBill, 432-260-7119

NEED PAINTINGcall Tony. Texturepainting interior/ ex-terior. Over 25years experience.Reasonable rates.Call 432-222-4033

PRECISE PAINTINGFEMALE PAINTER:

Interior/exterior,residential. Very

professional, takespride in her work, very

dependable &affordable.

FREE Estimates.432-250-4643

ALPHA GENERALConstruction, residen-tial or commercial.New constructions, re-modeling & additions.Small jobs welcome.Call 432-813-8552.

J&J ROOFINGAll Types of Roofing

& Repairs. FenceRepairs, Metal roofs.

25 yearsexperience. Free

Estimates Call Juan,432-631-6861

WRIGHT WAY Roofing & remodeling. All repairs. Frank Wright 432-634-6888

Complete LandscapingLawn Maintenance,

shrubs, trees, sprinklerservice,clean ups,hauls off’s, design,

installation 599-2534

LEYVA LAWN CARETrees & Lawns.

Professional & Efficient432-250-9470

Free Estimates.

LONE STAR Lawncare service andflower bed cleanup,trim hedges ,

raking leaves, woodfence & gates reparisCall (432)-889-9233

M & M Landscape22 years experience.

Grass sodding,Xeriscaping, tree &

shrub removal.Native Midlander

432-230-3372.

WILL TRIM, prune oruproot just about anytree, very reasonableprices. Call Norman432-296-1424.

IRMA’S UPHOLSTERY& DRAPERY. 20 yrsexp. 432-352-4633.

Not As Hard As You ThinkSo, what does it take to get approved for a

loan to buy a house this year, whether you’re a first-timer or planning to move up or downsize? Maybe not all that you think. For most people, the key requirement is that you’ve got the right package of stuff — credit score, down payment, financial reserves, debt-to-income ratio — to get an acceptable grade from the automated un-derwriting systems, or “black boxes,” installed at the dominant investors in the market, Fannie Mae and Freddie Mac.

Debt-to-income (DTI) ratios are a major fac-tor hard-wired into the black boxes that refer to the ratio between your monthly credit-related expenses — including housing payments, credit cards, student loans and the like — and your monthly gross income. In an important policy change taking effect this summer, Fannie eased its reserve and down payment requirements for DTI’s in excess of 45 percent up to a maxi-mum of 50 percent. Note that FHA uses its own proprietary underwriting system, which often yields more-generous decisions on approvals than Fannie’s or Freddie’s.

Regarding credit, in June of this year the av-erage FICO score for home-purchase loans at

Fannie and Freddie was 754. That’s a big reach for millions of would-be buyers. But that’s not the whole picture. According to data compiled by Ellie Mae, a software and analytics firm that tracks loan characteristics, substantial per-centages of applications are receiving approv-als from Fannie and Freddie with lower FICO scores than you might imagine. Nearly 13 per-cent of their approved loans in June had scores between 650 and 699. FHA’s average score for home-purchase loans was 683, but many were much lower than this average. Down-payment requirements also are super-low at the moment. Fannie and Freddie both have programs that permit just 3 percent down with many state and local housing agencies providing grants and/or loans designed to ease the cash required even more. The bottom line? Get rid of preconceived notions you may have about how tough it is to get approved. Standards are more flexible and not as tough as you probably thought.

Sources: Ken Harney, The Nation’s Housing, Fannie Mae and additional industry publica-tions

******************

Suzanne Smith - PresidentNMLS# 192813

Matt Dunnam - Mortgage ConsultantNMLS# 234034

Stephanie Houston - Mortgage ConsultantNMLS# 1239825

HNB MortgageNMLS# 205935

2101 W. Wadley, Suite #36, Midland, Texas 79705hnbmortgage.com - 432.683.0081

Se Habla Espanol

Come visit our Tea RoomCall to schedule your events

Tea Room Hours 11am -1:30pmKingsway Antiques & Collectibles

3303 W. Illinois Ave., Ste. 15CInside the Kingsway Mall

Hours:Sun: 12:00 to 5:00 • Mon: 10:00 to 6:00Tue: Closed • Wed - Sat: 10:00 to 6:00

(432) 262-1048www.kingswayantiques.com