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Mortgage Prequalification: Houston, Friendswood, League City, NASA and Clear Lake Texas home buying, real estate listings, and homes for sale in Harris/Galveston 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.

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

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Houston, Friendswood, League City, NASA and Clear Lake Realtors to offer services such as these.

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

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Tax Considerations >Tax Implications of Selling Your House

Most of my clients profit from selling their homes, and they often have questions about capital gains tax. When you sell your primary residence, you are not taxed on your profit if (1) you have lived in the home for two out of the last five years and (2) your gain does not exceed $250,000 as a single taxpayer or $500,000 as a married couple filing jointly. Gains above these limits are taxed at the current rate of 15% for higher income taxpayers and 5% for lower income taxpayers. In 2008 the 15% rate will continue for higher income taxpayers; while the 5% lower income rate will drop to 0% for the 2008 tax year only. On January 1, 2009, the long-term capital gains tax rates will once again be 15% and 5% through 2010. Homeowners can use this tax-free provision every two years. As set forth in the American Job Creation Act of 2004, properties converted from a 1031 exchange property into a primary residence must be held and used as a primary residence for at least five years to qualify for the tax exemption. Consult your tax accountant for more detailed information regarding your particular circumstance.

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Q	What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?
A	Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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The Barbara Straty Team, REALTORŽ, real estate agents and broker for Houston, Friendswood, League City, NASA and Clear Lake Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Barbara Straty/Cheryl Maultsby
RE/MAX Space Center
1150 Clear Lake City Blvd. Suite 100
Houston
TX, 77062
Barbara Direct: 281 204-1037
Barbara Cell: 281 804-6443
Cheryl Direct: 281 507-6345
Fax: 281 204-1137
Email: barbarastraty@NUMBER1EXPERT.com
Office email: bstraty@remax.net
Cheryl-Blackberry: hopemau@sbcglobal.net
The Barbara Straty Team is a Mother -Daughter Duo with over 45 years of real estate experience in the Clear Lake/Nasa area. Barbara and Cheryl provide double the service and double the energy. Consistency and Consummate Professionalism have kept them an awarding winning team year after year. They are the NUMBER1Expert Team at ReMax Space Center. Assisting Buyers & Sellers while adhering to the strictest code of ethics the industry prescribes and having fun, creating lifelong friends and clients while making the buying and selling experience smooth& stress free are the goals of the BARBARA STRATY TEAM.

www.barbarastraty.com is brought to you by The Barbara Straty Team
NUMBER1EXPERTS™ in real estate for Houston, Friendswood, League City, NASA and Clear Lake, Texas

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