This home offers an amazing backyard oasis with heated pool and professionally landscaped yard.  Located on a cul-de-sac, it has a covered patio and an American Home Shield Warranty.  This 4 bedroom home has been completely updated with silestone countertops, tile backsplash, stainless steel appliances, & electric smooth top range.  Built in 1980, it has been well maintained.  Located in the quiet community of Terranova West, it is in the Klein School District.  This home boasts of a formal dining room, formal living room that can also serve as a study,  fireplace, huge bedrooms, walk in closets, & master suite.  It is energy efficient with all double paned low-e windows throughout the home. 

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Clean and updated, this 1976 home is located on a large lot on a cul-de-sac in a quiet neighborhood.  Beautiful oaks surround the property.  This home boasts of new carpet, fresh paint, renovated kitchen and master bath, new molding, and much more.  Located in the Cypressdale neighborhood, this home comes with a one year American Home Shield Warranty.  Conveniently located off of Louetta, it’s close to shopping, entertainment, and more.  The community offers a swimming pool and this home has a huge backyard ideal for it’s own pool.  Covered patio and a pass through window to the kitchen make it perfect for entertaining.  Home includes new wood work, new baseboards, and new doors throughout.  The kitchen was completely renovated in 1998.  The home offers a formal dining room and formal living room plus a bonus room that could be used as a game room, play room, hobby room, or study.  Remodeled master bath has a large walk-in glass block shower.   It is ready for move-in and priced to sell!

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• Mortgage Term – Mortgages are generally available at 15-, 20-, or 30-year terms. The longer the term, the lower the monthly payment if the same amount is borrowed. However, you pay more interest overall if you borrow for a longer term.
• Fixed or Adjustable Interest Rates – A fixed rate allows you to lock in a low rate for as long as you hold the mortgage and is usually a good choice if interest rates are low. An adjustable-rate mortgage (ARM) is designed so that interest rates will rise as interest rates increase; however they usually offer a lower rate in the 1st years of the mortgage. ARMS also usually have a limit as to how much the interest rate can be increased and how frequently they can be raised. ARMS are a good choice when interest rates are high or when you expect your income to grow significantly in the coming years.
• Balloon Mortgages – Balloon mortgages offer very low interest rates for a short period of time – often 3-7 years. Payments usually only the interest, so the principal owed is not reduced. However, this type of loan may be a good choice if you think you will sell your home in a few years.
• Government-backed loans – Government-backed loans, sponsored by agencies such as the Federal Housing Administration ( http://www.fha.gov ) or the U.S. Department of Veterans Affairs ( http://www.va.gov ), offer special terms, including lower down payments or reduced interest rates – to qualified buyers.
Slight variations in interest rates, loan amounts, and terms can significantly affect your monthly payment. For help in determining how much your monthly payment will be for various loan amounts, use my handy mortgage calculators. I offer over 15 different calculators to service your needs.

This information is reprinted from Realtor Magazine Online by permission of the National Association of Realtors, copyright 2005, all rights reserved.

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When you moved into your home did your builder leave you a pallet of bricks?  Do you have left over building materials from a remodeling project?  Please do not throw away good, unused items you are replacing; consider donating them to the Habitat for Humanity Resale Store.  It is located at 13572 C State Highway 249, Houston, 77086, at the intersection of Bammel N. Houston and SHW 249.  The hours of operation are from 9-6 Monday through Saturday, except holidays.  Donations can be dropped off at the store Tuesday through Saturday between 9 and 3pm.  If you have a lot of heavy items, they will come to your house and pick up the building materials for you, just call 832.327.1120 to make arrangements.

Habitat NWHC’s ReStore is a resale outlet for new or gently used building materials and appliances which are sold to the public at a discount.  This provides more funds for building homes, recycles building materials, and makes building materials available to the public at reduced prices for home improvement.  It’s a great way to dispose of surplus building materials, fixtures, appliances and tools.

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If you’ve started looking for a home-and a real estate professional to assist you-your buyer’s representative may ask you to sign a Buyer Representation Agreement. What is this form? Why should you sign it?
A Buyer Representation Agreement is a legal document that formalizes your working relationship with a particular buyer’s representative, detailing what services you are entitled to and what your buyer’s rep expects from you in return. While the language used in the document is formal, homebuyers should view it as an important and helpful tool for clarifying expectations, developing mutual loyalty, and most importantly, elevating the services you will receive.
1. Receive a higher level of service. If you’ve formalized an agency relationship with a buyer’s rep, you can expect to be treated like a client instead of a customer. What’s the difference? Clients are entitled to superior services, relative to scustomers. While the details vary from state to state, and from one buyer’s agent to another, you can generally assume that being a client means that you’ve formed a fiduciary, or agency, relationship with your buyer’s rep.
2. Get more without paying more. In almost every case, home sellers have already agreed to pay a buyer’s agent’s commission. If they haven’t you can ask your buyer’s rep to avoid showing you any such homes. Or you can still view the home, knowing that you’ll need to factor your agrent’s commission into any offer you may write. While buyers rarely pay rela estate commissions, this is an important details you’ll want to discuss with your buyer’s rep and clarify in their representation agreement.
3. Avoid misunderstandings. A Buyer’s Representation Agreement clarifies expectations, helping you understand what you should and shouldn’t expect from your buyer’s rep, and what they will expect from you, which usually centers on loyalty.
4. Agency relationships are based on mutual consent. While most representation agreements specify a time period, they can be terminated early if both parties consent. Most buyer’s reps are willing to end the agreement early if the working relationship isn’t going well. Some buyer’s reps also offer representation agreements for as little as one day, for the purpose of giving both parties a brief trial period to explore working together.
5. Strength as a team. When you and your buyer’s rep work together within a formalized agency relationship, you have created a team dedicated to helping you achieve the best possible home-buying experience.
The ABR designation is awarded by The Real Estate Buyer’s Agent Council (REBAC), a subsidiary of the National Association of Realtors (NAR). This information was obtained from the REBAC website. Note that not every state requires a signed Buyer’s Representation Agreement to create an agency relationship. In some cases, an agency relationship can be formed if both parties simply behave as if one exists. I hold the ABR designation because I feel it is so important for my buying clients. I want to represent them better than anyone else can!

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