Serving Baytown and Surrounding Areas
   
Our Office
 
 (281) 422-2097
 
  
Donna Hilsmeier
REALTOR ®, GRI, REPA,SRES
Texas Affordable Housing Specialist
Brett Hilsmeier
REALTOR ®, GRI
Texas Affordable Housing Specialist
   
Mary Dunn, Broker
 
 
 
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News Articles for Home Owners, Buyers or Sellers
Information for Buyers - First time Home Buyers or Links to Grant programs
Important things to know when selling your home
Texas Affordable Housing - Grants and Assisted home buying
About Donna
Mortgage Calculator
           
What is takes to BUY a House and HOW the Process Works    
     
    REALTOR ®        ASK WHY
    Buying a home can be one of your most significant investments in life. Not only are you  choosing your dwelling place, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be. The goal of this page is to provide you with detailed information to assist you in making an intelligent and informed decision. Remember, if you have any questions about the process, I'm only a phone call or email away!    Call or e-mail me today! 
     
  Mortgage Lender   -   Ask your REALTOR ®
      Many consumers and home mortgage rate shoppers have been stumped as to how to find a good lender for a home equity loan or to refinance their home loan. One key factor to succeed in finding a trusting, fair lender providing a good home loan deal at a great rate is to look no further than where you send your mortgage payments.
     
      Make sure your current lender has quick access to all your paper work. Therefore processing your loan will likely take less time. If your locking in a mortgage rate less processing time is everything. Also you have been doing business with this lender and so you are familiar with their quality of service.
     
  Pre-Qualification Letter   - Ask your LENDER
      - Determine your Credit Score  and  Debt-to-Income Ratios
      - You will need  Paycheck Stubs, Banking Statements, Last 2 years of Tax Returns
     
  FIND a HOUSE  -  Ask your  REALTOR ®  
Your REALTOR ®  will make appointments and assist you in finding the RIGHT home
Your REALTOR ®  will help you identify your needs and any faults with the home.
  HOW To Make an OFFER on a House
      Your REALTOR ®  will determine if the price is comparable to the other home sells.  -  Comparable Market Analysis
      Your REALTOR ®  will help you make an offer based upon the information from CMA and their knowledge of the Market
      Your REALTOR ®  will submit your offer to the Sellers Agent
      Your REALTOR ®  will WALK YOU THRU THE WHOLE PROCESS until Closing...
     
     
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
           
           
           
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DonnasRealty.com.
Contact : (281) 422-2097