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The Coats Team
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Welcome! HOMES FOR EVERY LIFESTYLE: Rockwall, Plano, Wylie, Allen, Sachse, Addison, Anna, Carrollton, Celina, Fairview, Flower Mound, Lucas, McKinney, Murphy, Parker, Preston Hollow, Prosper, Rowlett, The Colony, University Park, Uptown & So on...
Ask About "The First-Time Homebuyer Federal Income Tax Credit". It can be claimed on your 2008 Tax Return (to be filed by April 15, 2009), an amended 2008 Tax Return, or your 2009 Tax Return
 Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Plano, Wylie, Allen and Sachse real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Plano, Wylie and Allen real estate agent, our team has the experience and track record you are looking for. Please let us help. -Jeff and Cindy Coats
The Coats Team 
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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| Q |
What are the characteristics of classic Queen Anne architecture?
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| A |
Queen Anne homes are the most elaborate, romantic and feminine of all Victorian Homes. |
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