Our Team Is On YOUR Side! As a Top Realtor I do not work alone. I have a team of wonderful and competent professionals. Together we make every aspect of your real estate transaction a breeze. It is my pleasure to introduce myself and my team members at this time...   |  | | |
 Pat Dickey Pat Dickey has been an active Broker in Texas for 30 years. She loves to travel, read and play golf (when she has the time). She is a very active supporter of the Boys and Girls Club where she serves on the Board of Directors for the Crockett club. In 1992, Pat Dickey, Realtors became Coldwell Banker Pat Dickey, Realtors. The affiliation has been very successful and rewarding. Pat's office has earned Coldwell Banker's Prestigious Premier Office Designation for the past eight years. Pat has also received Coldwell Banker's Presidents Elite or Presidents Circle designation for the past six years, which recognizes her outstanding sales production. Pat's experience in mortgage loans has proved invaluable in meeting the needs of Buyers, as they consider which financing is best for them. The agents and staff pride themselves in personalized service. Their excellent reputation is built on their ability to follow through from showing to the closing table, and they believe that the needs of their clients and customers come first. Their efforts are rewarded by an increase in sales year after year. The agents work hard to know the market, the inventory, and to keep themselves educated in all phases of the real estate business. The company mission statement reflects the goal of all the team members: We at Coldwell Banker Pat Dickey, Realtors pledge to provide quality professional real estate service to our customers and clients, following the Golden Rule, focusing on goal oriented growth and fulfillment; and further, to diligently promote and protect the rights of real property owners. Call Pat at 936-544-8100 office, 800-256-8200 toll free office or email her at pat.dickey@coldwellbanker.com. 
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 Jennifer Burress Office Administrator The anchor of the ship, Jennifer keeps us all on an even keel. She greets our wonderful customers and clients, whether in person or on the phone, coordinates all the paperwork, and keeps track of all of us; no easy job. Her sweet disposition, her self confidence, and her past work experience at a title office serve her well and make her well qualified to be the "front desk girl Friday". She is the mom of three active children who think she's pretty special at that job, too. 
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 Bubba Dickey General Manager As general manager of our team, Bubba's job is to keep things running smoothly. He does a good job of that and still finds time to help some lucky buyers find just the right property, especially if they're looking for a large tract of land. After a life long career in sales, Bubba knows that the secret of a successful real estate office is to treat others like you'd like to be treated. He works hard to guide each member of our team toward fulfilling that goal. He is a native of Crockett whose family has been here for more than six generations. He loves Crockett, is an active member of the Rotary Club, volunteers for the local Boys and Girls Club, and constantly works to make Crockett a better place for all to call "home". Call Bubba at 936-544-8100 office, 800-256-8200 toll free office, 936-546-5117 cell or email him at bdickey@coldwellbanker.com 
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 Donna Baker Broker Associate Donna's many years of real estate sales add up to value as you put her experience and knowledge to work for you. She knows there is no substitute or hard work and knowledge of the market place. After many years of selling real estate in the Houston market, she and her family moved to the Crockett area, built their dream home on acreage and are enjoying the country life. Donna and her husband, a retired engineer, are very active in their church and very close to their children and grandchildren, who love to come visit. Call Donna at 936-544-8100 office, 800-256-8200 toll free office, 936-546-3462 cell or email her at dbaker@coldwellbanker.com 
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 Gregg Lahners Sales Associate - Houston Area Gregg's enthusiastic approach to the real estate business is refreshing and he will work as hard as he can to help his Buyers and Sellers achieve their goals. He is a good listener and quickly comes up with a way to solve the problem. We are very proud to have Gregg represent us in the North Houston area. So many of our Buyer and Sellers come from the major metropolitan areas, especially Houston, and Gregg is there to get the job done. Call Gregg at 946-544-8100 office, 800-256-8200 toll free office or 281-814-7903 cell or email him at glahners@coldwellbanker.com
Jimmye Kay Locander Sales Associate   Voted the 2008 Funniest Person in Madisonville, Texas, new area agent Jimmye Kay Locander keeps her clients laughing and confident in her friendly, professional real estate services. "I truly care about people's needs, and I've found that humor goes a long way in making them feel comfortable in working with an agent," she said. Locander entered real estate several years ago because she enjoys meeting new people and helping them explore their dreams. "I don't think I've ever met a stranger," Locander explained. As a specialist in ranches large and small, she says she's looking forward to bringing buyers and sellers together in Houston, Madison, and Leon counties. A native Texas and Midway resident, Locander is an awarded equestrian in the hunter jumper and show jumper categories. She is also a registered whipperin in the no-kill long acre hunt. Enjoying all equestrian events, Locander includes trail-riding and show hunting in her activities. Locander said her neighbors can often find her up early caring for her four horses and other animals she has rescued. Puppies and ponies aren't the only ones getting the nice treatment from Locander. She was voted 2007 2nd Nicest Person in Madisonville. Locander will be working at the Coldwell Banker Pat Dickey, Realtors office in Crockett, Texas. She said she's integrated real estate with her equestrian skills using the well-known hunt cry, "House, tally ho!" "We are so excited to have Jimmye Kay join our team; she brings a refreshing enthusiasm and genuine desire to do a good job for her buyers and sellers," Dickey commented. You can reach Jimmye Kay Locander at her office -936.544.8100 or on her cell 936.661.0958.   |  | | |
 LaWanda Thetford Pennington Sales Associate LaWanda Thetford Pennington is a seventh generation Houston Countian and a descendent of two of the original petitioners for the creation of Houston County. Born in Grapeland, she met and married her high school sweetheart, Troy. Married for thirty-six years, together they have raised three wonderful boys. She and Troy are true to their Texas upbringing, raising Black Angus Cattle and farming peanuts and watermelons. LaWanda serves as organist for her church and serves on the board of the Grapeland Independent School District. LaWanda is proud of her heritage and deep roots in Houston County. Her family arrived here before Texas became a state and before Houston County was a county. Her family has received the Family Land Heritage Certificate of Honor from the State of Texas, commemorating a century or more of continuous ownership and operation as a family agricultural enterprise. She still owns a portion of the land her family originally settled in the early 1830's. Coldwell Banker Pat Dickey, Realtors is very pleased to have LaWanda as a part of our team. She is the essence of southern style warmth and charm, and she never meets a stranger. She invites you to come to beautiful Crockett, Texas and Houston County so she may show you why her family has chosen to live and be a part of this community of pioneers for the past 170 years. Call LaWanda at 936-544-8100 office, 800-256-8200 toll free office, 936-852-3540 cell phone or email her at lawanda@grapeland.com. 
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Financing Your Home >Mortgage Terms
New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.
Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.
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What characteristics must a home have to be considered a prestigious property?
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Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person. |
See More Real Estate Trivia > |
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