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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


Find Out About the Latest Homes for Sale First!
I add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"Your Intense Interest, Honesty And Expertise "
"We appreciate the highly professional role you played in mediating the negotiating process."
Bob and Carol Fennessy
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Ruth Stultz is one of The Top Selling Real Estate Experts™
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Mortgage Prequalification: Lake Conroe Texas home buying, real estate listings, and homes for sale in Montgomery County, TX
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Lake Conroe REALTOR® to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

See All Tips In The "First Time Buyers" Category >
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Real Estate Trivia
Q 
What home is the best example of colonial architecture in homes designed to "grow" as the family grew?

A 
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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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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