Lake Conroe, Conroe and Montgomery Texas real estate listings, home buying, selling and relocation information

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For Sellers: Lake Conroe, Conroe and Montgomery Texas home buying, real estate listings, and homes for sale in Montgomery County, TX

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Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	Which hazardous substance is contained in sixty-four million houses and apartments?
A	HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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Becky Phillips, REALTORŽ, real estate agent and broker for Lake Conroe, Conroe and Montgomery Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Becky Phillips
Top Guns Realty of Lake Conroe
18429 Hwy 105 West
Montgomery, TX 77356
936 582-5869
936 718-7285 Cell
936 448-1777
936 582-1700
936 582-4955
becky@topguns.com
My family and I moved to the beautiful Lake Conroe area 15+ years ago to experience a lifestyle change that included lake living at its best! Buying and selling real estate, as you well know, can be an exciting, but stressful event. For most of us, buying a home, whether for full or part-time living, will be the most expensive transaction we will incur! Let me be the professional that assists you in making this a pleasant and easy process. Diligence and hard work have made me a top producer (Top 150 out of 19,000 Houston Area Association Realtors) and it is my philosophy to go the extra mile for my clients. I am a Lake Conroe and surrounding areas specialist and have all the tools necessary to help you make informed decisions. You deserve the best that real estate has to offer and that is what I'll strive to give you! If you are thinking of selling your property please call me about my marketing techniques. Buyers, feel free to request an area information package and I will gladly mail this to you! I look forward to meeting you and please call or e-mail and I will assist you in any way possible!

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