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• Special Offers - Special offers for Houston, Katy and Cinco Ranch homeowners from d. Diane and Ron Sanders.

• Affiliates - d. Diane and Ron Sanders' real estate web site affiliates.

• eNewsletter - d. Diane and Ron Sanders'Houston, Katy and Cinco Ranch newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Texas, and United States.

• Market Conditions Report - Market conditions report for this area, Texas, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Houston, Katy and Cinco Ranch, Texas mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Texas or buy your own Houston, Katy and Cinco Ranch house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Houston, Katy and Cinco Ranch mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Texas real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask d. Diane and Ron Sanders anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - d. Diane and Ron Sanders' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - d. Diane and Ron Sanders' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Houston, Katy and Cinco Ranch property in Texas, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Houston, Katy and Cinco Ranch Homes, For Home Buyers, For Home Sellers, Houston, Katy and Cinco Ranch Information, Real Estate Resources, and About d. Diane and Ron Sanders.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Texas Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Houston, Katy and Cinco Ranch

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. See All Tips In The "Tax Considerations" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What information does nearly every state in America require the seller of a home to reveal to the buyer? A  Most states require disclosure of any existing problems or conditions that could affect the value of the house. See More Real Estate Trivia >

d. Diane and Ron Sanders RE/MAX Fry Road 920 South Fry Road Katy, TX 77450 281-579-8022 Fax: 281-579-0477 ddianesanders@NUMBER1EXPERT.com www.DianeSanders.com is brought to you by d. Diane and Ron Sanders NUMBER1EXPERT™ in real estate for Houston, Katy and Cinco Ranch, Texas, Golf Communities Read d. Diane and Ron Sanders' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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