Here Are Some

Buying Tips for You

Are You Ready to Tour Some Homes?

As you get serious about your home search, I need to let you know a few things… 
 
First, we need to talk! If you are ready to get started then let’s have a phone conversation about your real estate needs. I need to understand why you are moving, the type of home you want, your budget, etc. Then I can set up a custom home search, straight from the MLS (most accurate!), to narrow your focus and filter out the undesirables that don’t meet your needs.
 
 
No other search, including Realtor.com, Zillow, Trulia, or even HAR.com, will let you do the targeted search that I can do. I can even search by school name which is often the best way to target the best home for your family…if you want the highest scoring schools (and who doesn’t?!).
   
Call or Text Sheila at 832-779-2890
 
Second, you’re going to need to obtain a preapproval letter from a great lender to buy a home. Sellers will not accept an offer from us without a preapproval letter these days and in a multi-offer environment, you won’t have time to obtain one when you need it…it can take several weeks to get because the lender has to confirm your assets, income, and employment first. I recommend that you talk to three different lenders…a couple of excellent ones are listed on below (scroll down).
 
Third, I typically require at least 24 hours notice to set appointments to show you houses. This gives me time to get permission from the sellers and map out a tour for you. On the custom home search website that I set up for you, please mark the homes that you want to see as “I Like This One” (or Favorite). That let’s me know exactly which homes you want to see.
 
Fourth, for security reasons, I always meet first-time clients at my Keller Williams office located at 1650 Hwy 6 #350, Sugar Land, TX 77478 (map). Park on the far left-side, by the water, under black cover with a “Keller Williams Guest” sign underneath. I also keep a copy of your driver’s license for security purposes. 
 
Fifth, Texas real estate laws are different than other states. Please read Information About Brokerage Services.
 
As a Five-Star real estate agent I provide services that are way above and beyond what a typical agent provides. (See a sample of the type of house report that I give my clients when they find a home they are thinking about purchasing. No agent in the world does this!)
 

Recommended Lenders and Insurance Providers

Lenders/Mortgages

Michael Burnside
Commonwealth Mortgage
11133 I-45 South #310
Conroe, TX 77302
Office: 832-276-5601
Email: mdbhomeloans@gmail.com

William J. Swallen
Certified Mortgage Planner
Bancorp South
Office: 713-558-0364
Email: william.swallen@bxs.com
>> Apply online

 


Inspectors

Print List of Home Inspectors


Home Owner’s Insurance

Helpful info: 12 Ways to Lower Your Homeowners Insurance Costs

Check out rating info:

 

Rates may vary dramatically…get multiple quotes!

Amica Mutual Insurance Company
10 Amica Center Blvd 
Lincoln, RI 02865-1165
Office: 800-242-6422
www.amica.com
Get a Quote

John T. Godbee
Godbee Insurance Agency LLC
Nationwide Insurance
4675 Sweetwater Blvd.
Sugar Land, TX 77478
Cell: 832-573-9020
Office: 832-886-5544
GodbeeJ@nationwide.com

Mike Whitsitt
Liberty Mutual Group 
23232 Kingsland Blvd Suite D 
Katy, Texas 77494
Office: 281-392-4333 x59125
Michael.Whitsitt@libertymutual.com
http://www.libertymutual.com/lm/michaelwhitsit

Charles E. Osburn II
Farmers Insurance
11607 Spring Cypress Ste F 
Tomball, TX 77377 
Office: 281-453-0177
Cell: 281-744-7295
Toll free: 888-828-4023
cosburn@farmersagent.com

Katy Relocation GuideFree Katy Relocation Guide

Get the inside-scoop!

Yes, this website has a lot of information, but even more information is located in the 200+ page Katy Relocation Guide. Want to know if home values are trending up or down in a specific neighborhood? It's in the guide. Want to see a list of the highest-scoring elementary schools? It's in the guide. Want to know which schools are located in a specific part of Katy? It's in the guide. The guide contains information on home values and stats, real estate market stats, helpful phone numbers, school zone maps, and more...all in one place. 

This info is not available on this website or anywhere else!

Save yourself a lot of time and download the Katy Relocation Guide today.

Here’s What You Need To Know…

Texas Real Estate Commissions

Who Pays the Real Estate Commission in Texas? One of the questions that I’m frequently asked is, “Who pays the sales commission in a real estate transaction?” That’s a good question! Here’s the answer… NOTE: I give a rebate if you...

Costs To Buy a Home in Texas

Do You Know What It Costs To Buy a Home in Texas? It’s one thing to want to own your own home…it’s another to be able to afford one. Here is a run-down of estimated costs to buy a home in Texas you must consider… NOTE Please note these are estimates only and...

Texas Home Buying Process

Preliminary Phase: Can You Afford a Home? If you are buying a home in Texas, then you need to learn about the home buying process, which may be different than other states. One thing to consider is that before you even begin the process of searching for a home, you...

Applying for a Home Loan

Items Needed To Apply for a Home Loan Applying for a home loan these days is not for the “weak at heart”! It is a pain-in-the-neck process no matter how much money you have. NOTE: Read The Perfect Loan File on Forbes for details. There is a lot of...

Negotiating Advice for Home Buyers

Here are some helpful tips for Buyers when negotiating a sales offer on a home: Find out the number of days the house has been “on the market” (also referred to as DOM: Days on Market) as well as the pricing history of the home. In Texas, only members of the MLS will...

What Is a Real Estate “Closing”?

A real estate “Closing” is where you and I meet with some or all of the following individuals: the Seller, the Seller’s agent, a representative from the lending institution and a representative from the title company, in order to transfer the property title to...

Home Warranties

When you purchase a resale home, you can purchase a home warranty (a.k.a., Residential Service Contract or RSV) that will protect you against most ordinary flaws and breakdowns for at least the first year of occupancy.  The warranty may be offered by either the...

Texas Home Inspections for Buyers

Please know that a home inspection is one of the most important parts of buying a home. But it can be overwhelming trying to find a reputable inspector who you can trust. I provide all my buyer clients with a list of licensed home inspectors in the area to make this...

Why Rent When You Can Buy?

  Are you unsure about becoming a HOMEOWNER? Thinking that you can’t afford to BUY a home? Are you worried about whether home buying is a good INVESTMENT? Buying a first home can be an intimidating process. But the first step is making those first decisions: I...

Buying New vs. Resale Home

One question that I get a lot is, “Should we buy a new home or an existing home?” A new home is one that has never been lived in while an existing home has been lived in by a previous owner. There are Pros and Cons either way that you should consider. Here...

Benefits of Home Ownership

It’s the American dream…to own your own home. But have you considered the specific benefits of home ownership? Studies show the following benefits for home owners: Improved tax advantages…thereby lowering your overall tax burden. Forced savings program (in the amount...

Checklist of Steps for Buying a Home

This list is not comprehensive. There are a lot of steps that your REALTOR® takes care of behind-the-scenes. Call Sheila Cox for help at 832-622-1233 √ Action Item Deadline   Unless you have cash to buy a home, contact three or four lenders to determine how much house...

Katy Home Values and Housing Costs

Katy Home Values and Housing Costs–One of the things I’ve found that excites people the most about buying a home in Katy, TX, is how far their dollars go. No matter what price range you’re looking at, you get much more for your money in Katy than in other parts...

Katy Property Taxes

Katy Property Taxes–Unfortunately, property taxes in Texas are among the highest in the country. But before you panic, just remember that we don’t have a state income tax in Texas…so one sort of offsets the other. You can read more about Texas...

Katy Real Estate Market

Katy Housing Shortage The Katy real estate market is currently experience a historic housing shortage. We simply do not have enough homes for sale to meet the current demand. This is great news for home sellers, but worrisome for home buyers. If you are planning to...

Questions or Comments? 
Submit a question or comment at the bottom of this page.

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Sheila Cox has won the Five-Star Real Estate Agent award
for the past 5 years in a row because
her clients have this to say about her...

Who's Looking Out for You?

Buying a home is not as easy as it looks! You need a local neighborhood expert to:

  • Help you sort through all the options to find the right neighborhood and schools.
  • Price a home correctly so you don’t pay too much.
  • Watch out for problem houses so you don’t end up with a money pit.
  • Uncover hidden taxes, fees, and other costs.
  • Help you WIN in a competitive, multi-offer offer situation.

Sheila Cox is dedicated to helping you buy the RIGHT house in the RIGHT neighborhood at the RIGHT price. One of the ways she does that is by providing in-depth research on a home that you decide to buy to provide you all the information you need to make a wise decision and to protect yourself from possible unknown hazards.

» View Sample House Report
» See more about Sheila Cox

Sheila Cox is terrific. I would recommend her to a friend or colleague. She helped navigate the Texas style real estate system which I find unusual and counter productive based on multiple home purchases in other states... Do not go it alone. Work with a reliable partner like Sheila!

--Moore

Sheila helped us in both buying a new home and selling our house - she is fantastic. She is extremely knowledgeable about the Sugar Land market and helped us find the perfect house for our growing family. We loved her service that we also decided to list our current house with Sheila - she exceeded expectations more than can be expressed. We had an offer in 3 days and closed within the month. Thanks to Sheila, the buying and selling process were extremely easy for us!!

--Peduzzi

Sheila was great. I love the fact that she ensured that I would not overpay for a house. She would run the numbers and come up with a fair price. I felt Sheila is an advocate for the buyer.

--Greenberg

Katy vs. Sugar Land

Which is best for you? 

Read my article on Katy vs Sugar Land and find out.

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Sheila Cox RealtorAgent: Sheila Cox, Realtor

Broker: Keller Williams Southwest
1650 Highway 6, #350 (Map)
Katy , TX 77478
Phone: (832) 779-2890

IMPORTANT: Please read Consumer Financial Protection Bureau regarding the new laws and procedures that lenders must follow. You should also read Texas Real Estate Commission Information About Brokerage Services and the Consumer Protection Notice.

PRIVACY POLICY: It's simple...I will not sell or share your info with third-parties. I don't want to bug you...I'm here to help. I may email you useful Katy-specific emails from time-to-time to help you, but you can easily unsubscribe from these emails at any time. I am a real estate agent and I may contact you ONLY IF you have requested me to do so via a Katy Custom Home Search, a What's My Katy Home Worth, or one of my other free, no obligation services. If I am unavailable to meet your needs in a timely manner, I may ask you if I can have a respected colleague contact you instead.