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Welcome to Jerry, Gayle and Steve Smith's The Woodlands, Lake Conroe, Katy and Spring Real Estate Website

Welcome! Here You Can Find Great Information on The Woodlands, Lake Conroe, Katy and Spring, Texas Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the The Woodlands, Lake Conroe, Katy and Spring real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top The Woodlands, Lake Conroe, Katy and Spring real estate agents, we have the experience and track record you are looking for. Please let us help.

- Gayle, Jerry and Steve Smith

School Reports in The Woodlands, Lake Conroe, Katy and Spring, Texas

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Texas Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in The Woodlands, Lake Conroe, Katy and Spring

Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Q	Who is considered the world's most renowned living architect?
A	I.M. Pei who retired in 1991; he earned this status after designing the glass pyramid entrance pavilion to the Louvre in Paris (1989).
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Jerry, Gayle and Steve Smith, REALTOR®, real estate agent and broker for The Woodlands, Lake Conroe, Katy and Spring, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Gayle, Jerry and Steve Smith
Prudential Gary Greene Realtors
19075 145 North, Suite 250
The Woodlands, TX 77385
281-799-8143
Fax: 936-321-7501
Steve Smith: Steve@TheSmithTeamRealty.com
Gayle Smith: Gayle@TheSmithTeamRealty.com
Jerry Smith: Jerry@TheSmithTeamRealty.com
TheSmithTeam@TheSmithTeamRealty.com

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