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Our Vision
To see that every qualified person that has the desire to own
their own home is afforded an opportunity to become a home owner.
Our Mission
The Home Team is dedicated to work with anyone that has a dream to
own a home. To see that they get the guidance, knowledge and resources
needed to become affordable home owners.
Profile
About The Home Team
We are in this business because we love being Realtors®. We have helped a lot of
people find their dream home and made many good friends along the way. Unlike
many Realtors®, this is our full time job and we work very hard for our clients.
You expect the best and we want you to get the best.
"We are Dedicated to providing the highest quality of personal service to meet
your real estate needs."
 | Full Time Realtors®
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| Member of the National Association of Realtors
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| Member of the Texas Association of Realtors
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| Member of the Houston Association of Realtors
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| Over fifty years of combined marketing experience
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| Extensive knowledge of first time home buyer programs
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| Texas Affordable Housing Specialist |
Our Real Estate Professionalism allows us to serve our clients
with the knowledge and expertise they expect and deserve. It is our personal
guarantee you will receive nothing less than our best.
You can relax knowing that The Home Team will work very
hard to make sure your real estate experience meets your expectations from start
to close. You can count on us.
The Team
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Hot tip |
Don’t Move Money Around
When a lender reviews your loan package for approval, one of the things
they are concerned about is the source of funds for your down payment and
closing costs. Most likely, you will be asked to provide statements for the last
two or three months on any of your liquid assets. This includes checking
accounts, savings accounts, money market funds, certificates of deposit, stock
statements, mutual funds, and even your company 401K and retirement accounts.
If you have been moving money between accounts during that time, there may be
large deposits and withdrawals in some of them.
The mortgage underwriter (the person who actually approves your loan) will
probably require a complete paper trail of all the withdrawals and deposits. You
may be required to produce cancelled checks, deposit receipts, and other
seemingly inconsequential data, which could get quite tedious.
Perhaps you become exasperated at your lender, but they are only doing their job
correctly. To ensure quality control and eliminate potential fraud, it is a
requirement on most loans to completely document the source of all funds. Moving
your money around, even if you are consolidating your funds to make it "easier,"
could make it more difficult for the lender to properly document.
So leave your money where it is until you talk to a loan officer.
Oh…don’t change banks, either.
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