Real Estate Buying Tips

Are you ready for home ownership?

Home readiness survey YES NO Do you have enough cash to make the down payment and cover the other costs of buying a home?   Does your monthly budget have ...
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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 ...
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Do I Need a Real Estate Agent? Maybe I Can Do This Myself

 "That's what I used to think! In fact, before I became a licensed real estate agent, I did several FSBO (For Sale By Owner) sales and THOUGHT I knew what ...
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Texas Laws on Brokerage Services & Dual Agency

Does My Real Estate Agent Represent Me or the Seller?When I bought my first house in the mid 1990s, Texas was kind of a "Buyer Beware" state. In fact, a ...
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Texas Laws on Buyer Representation

How Can I Make Sure My Agent is On My Side? In earlier articles, I explained two very important concepts that you need to understand before you buy real estate ...
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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 ...
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What To Look for In a Texas Real Estate Agent

"If you're not sure whether you need a real estate agent or not, please take a look at Do I Need a Real Estate Agent to help you decide."   Many of ...
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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! ...
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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 ...
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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 ...
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Option Period and Fees in Texas Real Estate

We handle inspections in a very unique way in Texas. When you write a contract to purchase a home in in Texas, you can buy an "option period" (usually 7-10 ...
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Beware of Internet Real Estate Statistics

The bottom line: No one knows an area better than a local, experienced real estate agent. Don't gamble your biggest investment on automated Internet data. It's Not All About the ...
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Sugar Land Homes for Sale!

Find the best home for you by price, high school, neighborhood, or lifestyle…

Guide to Sugar Land’s Best Neighborhoods   Free 170+ guidebook to help you find the best Sugar Land neighborhood for you!

> Go to Sugar Land TX Video Tour

What I Can Do for You

Candid Advice—I promise to give you candid advice on all homes and areas so you can make the best decisions. I won’t ignore potential defects that can effect your home value or enjoyment.

Local Area Expertise—This isn’t just my business…it’s where I work and live. I will help you find the best location for your home purchase.

Great Data—I have a proprietary House Report to make sure that you get all the data and information you need to make a great home purchase.

Best Home Searches—Yes, you can search on your own, but no other home search available can filter down to the school level…and filter out the subdivisions that may be known to flood.

Easier Process—Moving your family (and possibly changing jobs) is stressful enough! I’m your real estate project manager and will guide you, step-by-step, through the process so you never miss an important deadline.

Network of Experts—My network of experts can make your transition to the area as smooth as possible. Need a painter, electrician, mover, insurance company, etc.? I can help.  

Read Client Testimonials about Sheila Cox, Realtor

Recommended Lenders and Insurance Providers

Lenders/Mortgages

William J. Swallen
Certified Mortgage Planner
Peoples Home Equity
Office: 713-201-9838 
Email: wswallen@peopleshomeequity.com

Gil Forcade
Senior Loan Officer
Gibraltar Mortgage Services
Office 713-560-2805

Inspectors

Print List of Home Inspectors

Home Owner’s Insurance

Helpful info: 12 Ways to Lower Your Homeowners Insurance Costs

Check out rating info:

• Consumer Reports (basic article 2009)

• J.D. Powers’ Reports

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 
Sugar Land, 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