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About The Michelle Sheehan Team - Information about The Michelle Sheehan Team of Pflugerville, Round Rock, Hutto and Austin, Texas? Testimonials - Read what The Michelle Sheehan Team's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Texas home buying & property selling information is guaranteed by The Michelle Sheehan Team. Privacy Guarantee - This Pflugerville, Round Rock, Hutto and Austin real estate web site will respect your privacy, guaranteed by The Michelle Sheehan Team. No Obligation Guarantee - The Michelle Sheehan Team's real estate help by email is free & without obligation for Pflugerville, Round Rock, Hutto and Austin home owners in Texas. For Real Estate Agents - Let The Michelle Sheehan Team help you with your professional real estate broker and agent needs in the Pflugerville, Round Rock, Hutto and Austin area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact The Michelle Sheehan Team. Go to Main Sitemap - Main sitemap sections include Find Pflugerville, Round Rock, Hutto and Austin Homes, For Home Buyers, For Home Sellers, Pflugerville, Round Rock, Hutto and Austin Information, Real Estate Resources, and About The Michelle Sheehan Team. 
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Financing Your Home >Home Buyers Education
As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.
Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.
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What three things are necessary in order to purchase a home?
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| A |
Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible. |
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The Michelle Sheehan Team
Gaston & Sheehan Real Estate
1420 HWY 685
Pflugerville, TX. 78660
Phone: 512-989-1054
Fax: 512-989-1094
Email: michellesheehan@NUMBER1EXPERT.com
Born and raised in Austin, Texas no one knows the area better than me!! I am a broker/realtor whose University of Texas marketing background makes me the perfect choice for seller or buyer. Have fun, relax and know you are in the hands of an experienced professional broker/realtor who will guide you through the process of buying or selling your home with YOUR needs as top priority.  
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