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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"Smooth Transition"
" I wish that my transition to my new job went as smoothly as finding a new home!"
John J. Devilla
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Jean Shine is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Harker Heights, Fort Hood, Killeen and Belton Texas home buying, real estate listings, and homes for sale in Bell County, TX

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Harker Heights, Fort Hood, Killeen and Belton real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Working With An Agent >A Real Estate Agents Expertise

If you are using the services of a professional real estate agent to find a new home, good communication is crucial to the transaction. A real estate agent who knows your most significant criteria can work much more effectively to show you homes that will meet your needs.

Let the real estate agent know why you are interested in a specific location. Discuss specific requirements such as proximity to your job, good schools, or recreational activities. If there are no houses available in your price range, the agent may suggest alternate neighborhoods with the same amenities. Do you need a home office or do you have hobbies that you want to accommodate? Is there a particular style of architecture that you prefer?
Agents sometimes have to be intuitive when we work with buyers. The more you can describe to your agent what elements in the home are essential and where you are willing to compromise, the easier it will be to use their expertise to find a home that's perfect for you.

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Q	What is the earliest residential building that remains in Manhattan?
A	Fraunces Tavern, built in 1719, is where George Washington delivered his Farewell Address to his officers in 1783.
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Jean Shine, REALTORŽ, real estate agent and broker for Harker Heights, Fort Hood, Killeen and Belton Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Jean Shine
Coldwell Banker United, Realtors
100 West Central Texas Expwy. Suite 302
Harker Heights, TX. 76548
Toll Free: 800-900-1018
Phone: 254-690-4321
Fax: 254-699-6317
Email: jeanshine@NUMBER1EXPERT.com
Positively Outrageous Service!

Jean Shine is an award winning, multi-million dollar producing real estate agent with Coldwell Banker, Richard Smith Realtors, in Killeen, Texas. She serves the following Central Texas communities: Belton, Copperas Cove, Fort Hood, Harker Heights, Killeen, Lampasas, Temple, and surrounding areas. Jean specializes in making your move pleasant and rewarding.

Jean plays a very active role in her community. She believes in sharing her time and talents with the community she loves.

Jean is a member or has been a member of the following: Killeen Independent School District Board of Trustees, Chamber of Commerce member in Killeen, Harker Heights, Copperas Cove, and Belton, First United Methodist Church, Vive Les Arts Society, board of directors Jr. League, Founding member Jr. Review Federated Women's Club, American Cancer Society, board of directors United Way, board of directors PTA, Parent/Teacher Advisory Board, Adopt-A-School, Key Club sponsor, KISD Long Range Advisory Board, and many other boards and organizations.

www.JeanShine.com is brought to you by Jean Shine
NUMBER1EXPERT™ in real estate for Harker Heights, Fort Hood, Killeen and Belton, Texas

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