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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

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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 >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Q	What is an encumbrance against a property, which may be voluntary or involuntary?
A	There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien.
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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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