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Ruth Stultz, REALTOR®, real estate agent and broker for Lake Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

All agents are NOT alike! Call me: Ruth Stultz; 713-962-2777; Ruth Stultz & Company; ruth@ruth-stultz.com


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Before signing a contract with any REALTOR®, make sure you know EXACTLY how your home will be marketed.
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"Thanks for Handling our Conroe Lakehouse Sale!"
"It was a top-notch, professional job all the way..."
Janie and Steve Witte
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Ruth Stultz, REALTOR®, real estate agent and broker for Lake Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
Ruth Stultz, REALTOR®, real estate agent and broker for Lake Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
Ruth Stultz, REALTOR®, real estate agent and broker for Lake Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
Ruth Stultz, REALTOR®, real estate agent and broker for Lake Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Welcome! Here You Can Find Great Information on Lake Conroe, Texas Real Estate 


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

Need local real estate information? I've summarized much of what is important about the Lake Conroe real estate market in this site. 

Need expert advice? No web site, large or small, can take the place of a top REALTOR®. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. 

Experienced investor looking for the "right" property? Montgomery County, including Lake Conroe, is experiencing incredible growth and is expected to double in population by the year 2020. The surrounding areas of Conroe, Willis, Magnolia, and The Woodlands stand to benefit from this growth as well. Great real estate opportunities exist here. Because it is a community that has it all, this area is a mecca for you!! Let me help you make an informed real estate decision in today's market. 

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR REALTOR®. As your trusted, professional real estate partner, I 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 a top Lake Conroe REALTOR®, I have the experience and track record you are looking for. Please let me help. 

Ruth Stultz
GRI, ABR, CRS
Texas Real Estate Broker 




Real Estate Tips
Financing Your Home >Qualifying Guidelines

It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?

The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.

While loan rejections are disappointing, they can be resolved.

See All Tips In The "Financing Your Home" Category >
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Real Estate Trivia
Q 
What does the term ARM stand for?

A 
An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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Ruth Stultz, REALTOR®, real estate agent and broker for Lake Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Ruth Stultz
Ruth Stultz & Company

13080 Highway 105 West
Suite 130
Conroe, TX 77304
Phone: 936-447-4700
Fax: 936-447-4702
Email: Ruth@Ruth-Stultz.com

Ruth's objective is to earn your business and referrals through professional aggressive marketing and strict attention to your needs and concerns. Her knowledge of available inventory allows her to find the perfect property for you. Because she lives and works in the Lake Conroe area, Ruth is knowledgeable and familiar with every aspect of this community. After all, Lake Conroe is her neighborhood! As one of America's #1 Real Estate Experts™ in the Lake Conroe area, Ruth is well equipped to guide you through all your real estate needs. Call or email her today!!!

ABRCRSGRIMLSREALTOR


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