Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Jerry, Gayle and Steve Smith, a proven The Woodlands, Lake Conroe, Katy and Spring, Texas Best Image Agent(s) Top Selling real estate agent. Find The Woodlands, Lake Conroe, Katy and Spring Homes - Find The Woodlands, Lake Conroe, Katy and Spring, Texas real estate listings & homes for sale provided by Jerry, Gayle and Steve Smith, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Jerry, Gayle and Steve Smith, a proven The Woodlands, Lake Conroe, Katy and Spring, Texas Best Image Agent(s) Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Jerry, Gayle and Steve Smith, a proven The Woodlands, Lake Conroe, Katy and Spring, Texas Best Image Agent(s) Top Selling real estate agent. The Woodlands, Lake Conroe, Katy and Spring Information - Find local information on The Woodlands, Lake Conroe, Katy and Spring, Texas including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Jerry, Gayle and Steve Smith, a proven Best Image Agent(s) Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Jerry, Gayle and Steve Smith, a proven The Woodlands, Lake Conroe, Katy and Spring, Texas Best Image Agent(s) Top Selling real estate agent. About Jerry, Gayle and Steve Smith - Information about Jerry, Gayle and Steve Smith including testimonials, guarantees, credentials, and contact information. Learn why Jerry, Gayle and Steve Smith is a proven The Woodlands, Lake Conroe, Katy and Spring, Texas Best Image Agent(s) Top Selling real estate agent. 
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What was the longest distance a building has ever been moved?
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| A |
Detroit's five-story Gem Theater, built in 1927, was moved 1,850 feet (5 blocks) to make way for two new sports stadiums. |
 See More Real Estate Trivia > |
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Gayle, Jerry and Steve Smith
Keller Williams Realty
1401 Woodlands Parkway
The Woodlands, TX 77380
281-364-3753
Fax: 832-482-2089
Steve Smith: Steve@TheSmithTeamRealty.com
Gayle Smith: Gayle@TheSmithTeamRealty.com
Jerry Smith: Jerry@TheSmithTeamRealty.com
TheSmithTeam@TheSmithTeamRealty.com
Jerry has a Bachelors Degree in Business/Finance, Retired from Occidental Oil and Gas after 35 Years, and now a Broker Associate. After relocating 19 times with an oil company, we finally settled down in The Woodlands and it has been our home since 1998. With over 18 years of combined real estate experience, we are confident in our ability to make your move a positive experience as well as the sale of your home. We will represent your interests, negotiate on your behalf, and keep you informed of all aspects of the transaction. We will ALWAYS be available to address any of your questions or concerns.   
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