Southwest Houston, Inner Loop Houston, and Northwest Houston Texas real estate listings, home buying, selling and relocation information

Find out for yourself why satisfied clients ask for TeamJudy. Call 713-978-6673.ERA Stephens Properties, George C. Stephens, CRB, Broker

The ERA Buyer Protection Plan will make you money!
Limited Time Offer for All Listings New From June 25, 2007 through December 31, 2007.
Find Out More >
View All Offers >

"Referred By Friend"
"After the sale she continued to help...."
J.Mrazek
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Judy Stephens is one of The Top Selling Real Estate Experts™
Find Out More >

Welcome > Main Sitemap

Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Judy Stephens, a proven Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas NUMBER1EXPERT™ Top Selling real estate agent.
Find Southwest Houston, Inner Loop Houston, and Northwest Houston Homes - Find Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas real estate listings & homes for sale provided by Judy Stephens, your local expert real estate agent.
For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Judy Stephens, a proven Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas NUMBER1EXPERT™ 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 Judy Stephens, a proven Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas NUMBER1EXPERT™ Top Selling real estate agent.
Southwest Houston, Inner Loop Houston, and Northwest Houston Information - Find local information on Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Judy Stephens, a proven NUMBER1EXPERT™ 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 Judy Stephens, a proven Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas NUMBER1EXPERT™ Top Selling real estate agent.
About Judy Stephens - Information about Judy Stephens including testimonials, guarantees, credentials, and contact information. Learn why Judy Stephens is a proven Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas NUMBER1EXPERT™ Top Selling real estate agent.

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	Due to low business and living expenses, what areas are considered to be the fastest growing in the country?
A	According to recent studies, the Southern and Western regions of the U.S. are among the nation's strongest economies.
See More Real Estate Trivia >

Celebration Lending Corporation
"Pick-a-Payment" Yes, that's what we said! Find out how!
Find Out More >

Judy Stephens, REALTORŽ, real estate agent for Southwest Houston, Inner Loop Houston, and Northwest Houston Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Stephens
ERA Stephens Properties, George Stephens, Broker
1726 Augusta Drive, Ste. 133
Houston, TX 77057
713-978-6673 Ext. 23
713-978-6673 Ext. 17
Fax: 713-978-6684
JudyStephens@NUMBER1EXPERT.com
008502.lead@cendant.leadrouter.com
Judy's team has enjoyed guiding nice folks like you through the sale and purchase of real estate in the Houston area for a combined total of more than 50 years. That's a lot of happy families! Judy and her professional Buyer Agents and Client Care Specialists, honed by experience and seasoned with enthusiasm, specialize in caring about what you need and want. Judy's award-winning team embraces the newest technology, knowing the benefits to you of lightning-quick communication and massive exposure of homes to a techno-savvy marketplace. Let us put our talent and experience to work for you. Call or email now!.... ERA Stephens Properties George C. Stephens, CRB, Broker #0238436. ..... Each office independently owned and operated.

www.teamjudy.com is brought to you by Judy Stephens
NUMBER1EXPERT™ in real estate for Southwest Houston, Inner Loop Houston, and Northwest Houston, Texas

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge