Tag: Buying a Katy Home

Katy, TX Home-Buying Facts

Katy homebuyers

Katy home-buying myths vs. facts

Are you thinking about buying a Katy home this fall season? Will this be your first home purchase? As first-time buyers begin to consider homeownership, it can seem like a daunting task, or worse, impossible. Perhaps you think you don’t have enough of a down payment saved, or you won’t qualify for a mortgage, or it’s too long of a process to bother with right now.

As your Katy real estate agent, allow me to clear up some home-buying myths! While the home-buying process is a long one, with many steps, it’s doable for more people than you imagine. This might include you! Let’s look at some of the stats:

  • If you think you need a 20 percent down payment, 40 percent of millennial first-time buyers put down less than 10 percent. There are options that allow you to put as low as 1 to 2 percent down!
  • If you think your credit score isn’t high enough, it turns out that the majority of potential buyers think that they need a score of 780 or higher. The average credit score on approved loans is actually 724, and FHA loans will take credit scores in the 600s.
  • If you think getting approved for a mortgage is too hard, and you won’t qualify, you might be surprised! Just last month, 76.4 percent of loan applications were approved. Your best bet is to meet with a local lender and find out what is available to you.
  • If you currently own and want to move up to a better home, but don’t think you have enough equity if your home to move, 81.1 percent of homeowners in the U.S. have significant equity, meaning more than 20 percent equity.
  • If you think it’s cheaper to rent than to buy, not true. Buying a home is 36 percent less expensive than renting in the U.S. True, you have to pay for repairs as a homeowner, but landlords build that cost into your rent. Mortgage payments are often lower than monthly rent.

On that last point, it’s important to remember than unless you’re living with friends or family rent-free, you’re already paying a mortgage! If you rent, you are paying your landlord’s mortgage, and your landlord is reaping the rewards with equity and savings. Once you buy, you are investing in your own future! You are still paying a monthly payment, but you’ll see that money again when you go to sell, unlike with renting.

Plus, as long as you have a fixed-rate mortgage, your monthly payment will never increase. With rent, rates are continually increasing and are expected to continue rising over the next three decades.

Do yourself a favor and meet with a local mortgage lender to see what loan options you may have available to you. If you have questions about the home-buying process or the Katy real estate market, or you’re ready to get started, contact me, your Katy real estate agent! I am here and ready to guide you through the entire process, until you have a new set of keys in your hand.

Mickie Cioccia
Mickie C and Company Realty
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What Katy Homebuyers Should Know About Closing

Katy Homebuyers

Lots takes place before the final closing 

As a Katy homebuyer, you might consider house hunting as the most stressful part of a home-buying process, and some buyers would agree! Other buyers would say that the most stressful period was after they put an offer on a home and had to wait for closing day. Every home-buying process is different, depending on the buyers and sellers, the Katy real estate agent involved, compromises and negotiations, timelines, the house itself, the home inspection and appraisal, and so on.

Here are four things that Zillow recommends buyers know while they wait for closing day to arrive in the Katy real estate market:

1.  Your mortgage rate could expire. Your mortgage lender will typically lock in the interest rate they quoted you, for 45 or 60 days, but closing on a Katy home could take longer than that. This is especially true if any issues arise, such as open permits or illegal renovations. Keep an eye on rates.

2.  The mortgage process isn’t over. You’re not in the clear until closing day papers are signed and the keys are in your hand! Some lenders will continue to verify income, credit and so on until the very last minute. Don’t go moving around funds, spending a bunch of money or changing jobs without running it by your mortgage professional.

3.  The house isn’t yours yet. Until all of the papers are signed, you can still back out. Request a walk-through 24 hours before the closing to see that things are as they should be. If the seller hasn’t made repairs that you agreed on, or hasn’t moved out yet, or systems aren’t working, you can postpone the closing if need be.

4.  You might need to do homework. Find out if the seller was required to disclose issues with the home, or if it’s “caveat emptor,” or buyer beware. Either way, it’s not a bad idea to do some research on the home to see if there’s any outstanding permits, or any issues with the local building department or health department.

What does this all mean for you? Zillow recommends that for the smoothest closing, Katy homebuyers must have a reliable, experienced Katy real estate agent on their side! Your agent can refer you to quality mortgage professionals in the area, along with attorneys, inspectors and more, which saves you time and stress. Agents also negotiate on your behalf, to ensure that you are satisfied and comfortable with the closing agreements, timelines and compromises made with the home seller.

Ready to buy a Katy home? Contact me! I would love to work with you as your Katy real estate agent, to ensure a smooth home-buying process for you and all those involved. Call me as soon as you’re ready to get started, or if you have home-buying questions. I look forward to hearing from you!

Mickie Cioccia
Mickie C and Company Realty
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Real Estate Scams to Avoid As Katy Homebuyer

Katy homebuyers

Avoid these real estate scams as a Katy buyer

If you are gearing up to buy a Katy home, you know that this is one of the biggest investments you’ll ever make, if not the biggest! When so much money is involved, it’s no surprise that shady characters may try to take advantage of you. As your Katy real estate agent, I want you to be aware of common real estate scams ahead of time, so that you don’t fall for them while going through the home-buying process!

Here are four common scams that Realtor.com recently warned against, and tactics on how to outwit them:

Scam #1: You transfer funds to a fraudster.

Once you choose a Katy home and it’s time to make an offer, you may think you’re sending a large sum of money to one person, but it ends up in entirely different hands. This is an example of cybercrime, and real estate exchanges are just one of the ways this happens.

Avoid it: Only respond to verbal requests for a wire transfer, either directly from your trusted Katy real estate agent, or directly from the seller or seller’s agent whom you’ve met in person or done research on. Don’t ever send money via an email request.

Scam #2: You’re renting a home that doesn’t exist.

You think you scored a great deal on a beautiful house that you saw online, but really, the scammer borrows the address and photos from another listing and creates a bogus home-for-rent ad online. You are then asked to send a deposit and rental payment via email or even a phone call, typically to a P.O box that may even be overseas.

Avoid it: Start with a simple Google search of the property address, or go to the county website, to see if it’s a real listing that is listed elsewhere as well. Visit the county clerk’s office to make sure it’s not a foreclosed home that you will be kicked out of. Feel free to stop by the house and ask neighbors about it as well. Above all, never send money overseas without doing ample homework!

Scam #3: The moving company holds your items hostage.

If you choose the cheapest moving company that catches your eye, without doing research, you might lose all of your belongings period, or they may be held hostage until you pay the scammers way more than what was originally quoted.

Avoid it: This is a common one, so do some research to make sure your mover is registered and insured, and that you have a written estimate. Have a representative from the company come meet you in person ahead of time and draw up an estimate. If moving locally, you can use our Katy moving truck! Or, hire hourly moving laborers to load and unload, so you’re always in control of your stuff.

Scam #4: “I’ll sell your home or buy it myself.”

Sounds great, but typically, this is a tactic for less-than-scrupulous agents to win appointments. These programs come wrapped in a bundle of stipulations that most homeowners would never agree to.

Avoid it: If it sounds too good to be true, it is. You know the saying! Choose a trusted Katy real estate agent to help you sell and buy in the Katy real estate market. Don’t go with someone that has the catchiest offerings. And if the terms don’t meet your approval, don’t sign the agreement!

For more details on these four real estate scams and how to avoid them, read the Realtor.com article in its entirety. If you have questions, contact me, your Katy real estate agent! I am here to answer your questions and concerns, and to help you with all of your home-buying and home-selling needs.

Mickie Cioccia
Mickie C and Company Realty
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Tips for Soon-to-be Katy Homebuyers

Woman Balancing Her Checkbook

Tips for future Katy, TX homebuyers

Are you gearing up to buy a Katy home this year? As a Katy real estate agent, I can say that this is the time to do it! Home prices and mortgage rates are on the increase, so the sooner you buy, the more money you could save. Plus, since equity is on the rise, you can feel good about investing in your future.

To help you prepare for the home-buying process, here are a few tips to help you save up for a down payment and get qualified for a mortgage loan:

  • Automate savings. If you aren’t good at putting money away each month into a savings account, automate a down payment savings account! Once per month, paycheck or even week, determine how much money you can put aside into a housing fund. Even if it’s a small amount, it’s better than nothing!
  • Live frugally. If buying a Katy home is important to you, then you can use that as motivation to live more frugally until you have your down payment saved up. This means cutting costs wherever you can. Only buy food on sale, wear your current clothes, put off that new car or vacation, make your own coffee at home, walk or bike wherever you can, and so on.
  • Keep your credit clean. Your credit score is a big piece of the puzzle, when it comes to qualifying for a mortgage, so pay off as much of your past debts as possible. Don’t open any new forms of credit, and pay off the credit cards you have now. Automate your bills, so you are never late paying one of them.

Once you feel that you are ready to buy, or that you are at least ready to take the next step or get questions answered, find an experienced, reliable Katy real estate agent. If you are curious as to why you should work with an agent rather than doing it alone, here a few reasons KCM Crew recently gave on why to work with a professional:

  • An agent can save you time. It’s not as easy as you may think to find a Katy home that you love, and that fits into your budget and your needs. An agent can sift through the listings that don’t meet your needs, so that you can just look at the ones that do. This can save you heartache, too! An agent can also get you in touch with reliable mortgage professionals, inspectors and other professionals, to save you the time it’ll take to research each one in the area.
  • An agent can help you negotiate. This is more important than ever, with lower inventory than usual. In a seller’s market, you need an agent to negotiate a price with the seller, which could end up saving you hundreds or thousands in the long run. The agent can also negotiate after the home inspection, after the appraisal, with closing agreements and more.

When ready to begin your home-buying process in the Katy real estate market, contact me!

Mickie Cioccia
Mickie C and Company Realty
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What to Know About Credit Scores as a Katy Homebuyer

Katy Homebuyers

Credit Score Tips for Katy Homebuyers

Do you want to buy a Katy home but aren’t sure if your credit score is high enough? As a Katy real estate agent, allow me to fill you in on some details you should know before applying for a mortgage.

As Credit.com mentioned in a recent article, many factors go into getting a mortgage, but it starts with your credit score. The lowest a credit score can typically be for a FHA-backed loan is 600, and the low for a conventional loan is 620. However, if you’re barely squeaking by with a score in the 600’s, expect to jump through a lot of hoops. With a lower score, you’ll typically need a higher down payment.

Credit.com says that 680 is the unofficial minimum, but you should strive for closer to the 740 range, which will get you optimal pricing. The higher the score, the better your loan.

Wondering how you can raise your credit score if need be? Here are some tips that Inman News recently suggested:

  • Always pay your bills on time. No ifs, ands or buts. If you have a hard time remembering to pay them, set up automatic withdrawals to prevent an issue in the first place.
  • Keep your credit owed within limits. Don’t have your unsecured credit outstanding above 50 percent of your annual salary, and keep your credit card balances within half of the allowed limit.
  • Always pay your dues on time, in full. Don’t get by with minimum payments. It’ll take forever to pay your debt down that way! Pay off your debt in full whenever possible.
  • Use two credit cards. This is enough to show a mortgage lender that you are smart with your spending, as long as you’re paying the cards off as you go. If you have more than that, keep them open but don’t use them.
  • Pay off high-interest loans and small loans first. Your personal loans, credit cards and private loans typically have high interest and no asset creation, so it makes sense to pay these off first.
  • Close unwanted or unused savings accounts. These can affect your credit score over time.
  • Check your credit reports regularly. If you see any errors, work toward getting them resolved.

For more tips, check out the Inman News article. If you follow this advice, hopefully your credit score will be in an optimal zone in no time! Then you will be able to contact a mortgage lender and receive a loan for a home purchase in Katy.

When ready to begin the home-buying process, contact me, your Katy real estate agent. I can help you each step of the way, to make the whole process run as smoothly as possible!

Mickie Cioccia
Mickie C and Company Realty
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Should You Buy A Katy Home Now?

Katy TX Homebuyers

Should you buy a Katy home now?

Whether you’re gearing up to buy a Katy home for the first time, or you’re thinking about selling your home and moving into a new home, you might be wondering if now is the time for you to buy. Only you and your family can make that decision, but as your Katy real estate agent, I can offer you some advice!

KCM Crew shared three questions that would be smart for you to ask yourself before deciding if now is the right time to buy. They have to do with what your current needs are and what the current real estate market is like for buyers. Go ahead and ask yourself these three questions and see what you come up with:

1.  Why do you want to buy in the first place? As a Katy real estate agent, I agree that this is the most important question for you to ask. Over 75 percent of parents say that their child’s education is an important part of searching for a new home. Others say they are looking for a place to feel safe, they want more space for their family, and they want control of that space.

Do you relate to these reasons? Why is it that you are thinking about buying a Katy home right now? Want to move up and have a place to raise your family? Want to downsize as empty nesters? Want to move closer to family, or to a job, or to a place you’d enjoy more than your current location? Keep reminding yourself of why you want to move, and stop putting off your future by waiting!

2.  Where are home values headed? If money is your biggest concern, question two and three are for you. According to the latest Home Price Index, home values are projected to increase by 5.3 percent over the next 12 months. Prices have already increased, but they’re not done yet! Now is the time to buy if you want to save money.

3.  Where are mortgage rates headed? This is the other financial question to ask before buying a Katy home. The long-term cost of a home can be dramatically impacted by a small increase in mortgage rates. Right now, rates are near historic lows, but they are projected to increase over the next 12 months, which would raise your monthly mortgage payments.

To sum up, financially, the sooner you buy, the more you’ll likely save in home price and with a mortgage rate. Personally, you have a reason you want to buy a Katy home. If you’re ready to make the changes in your life that you seek, now is definitely a great time to buy!

Contact me for help throughout the home-buying process. As a Katy real estate agent, I can help you find the homes that match your needs and financial budget, and I can help you with negotiations, paperwork and so much more. I look forward to hearing from you!

Mickie Cioccia
Mickie C and Company Realty
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Why You Should Own a Home in Katy, TX

Katy Real Estate

Katy Homeownership Benefits

Have you been trying to decide if you should buy a Katy home this summer? You’ve probably heard that mortgage rates are still low, but are starting to creep up, so now is the time to snatch a low rate. Perhaps you’ve also heard that home prices are continuing to increase. If you buy now, you could save a lot of money down the road!

There are plenty of other reasons to buy a Katy home as well, and as your Katy real estate agent, I am here to share some of these with you. Here’s a summary of a list that Realtor Magazine recently shared on why to own rather than rent:

  • Tax Benefits – Did you know that you can deduct your mortgage interest from your taxes, along with property taxes and other miscellaneous costs involved in buying a home?
  • Equity – When you pay rent, you never see that money. When you pay a mortgage, you build equity ownership interest in your home. When you sell, all of the money you put into your home will be yours again, and hopefully more than what you started with!
  • Appreciation – Even with the recent housing crisis we witnessed, home values are still up 7 percent on a cumulative basis over the past 10 years. From 1972 to 2014, homes have increased an average of 5.2 percent each year. Not only do you see your money again when selling, but you see more of it!
  • SavingsOwning a Katy home is like having a hefty savings account. When you sell, you can generally take up to $250,000, or $500,000 as a couple, without owing federal income tax. It’s a great way to plan for retirement!
  • Predictability – With a fixed-rate mortgage, you know that your monthly payments will always remain the same. Once you pay off your mortgage, you’re done! With renting, the price could increase every year, and the payments will never end.
  • Stability – When renting, you most likely will move around a lot. With homeownership in Katy, you can really grow roots in a new neighborhood. Get settled in, build relationships with neighbors and the community, get involved at your children’s schools and really feel at home with where you live.
  • Freedom – You own the home and therefore will never have a landlord telling you what you can and cannot do. You can paint and decorate your interior however you choose, and you can add upgrades whenever you wish. You will reap the reward one day when you go to sell.

As you can see, there are tons of reasons to own a Katy home! But don’t wait too long. Buy now, before prices and mortgage rates go up. As your Katy real estate agent, I’d love to help you out with the home-buying process in the Katy real estate market. Contact me as soon as you’re ready!

Mickie Cioccia
Mickie C and Company Realty
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Credit Card Mistakes to Avoid As Katy Homebuyer

Katy Real Estate

Credit Card Tips for Katy Homebuyers

When you apply for a mortgage, as a Katy homebuyer, the mortgage lender will check your credit score, your credit reports, your credit card balances and your spending activity. As your Katy real estate agent, I want to share some mistakes that people often make when it comes to credit cards. If you make these mistakes, you could be lowering your credit score without even realizing it.

The higher your credit score, the better! If you’re about to apply for a mortgage as a Katy homebuyer, make sure to stop and/or avoid making these credit mistakes:

1.  You avoid credit cards. You would think that avoiding credit card use altogether would solve the problem of making mistakes, but not using credit cards at all is actually a mistake in itself. Credit cards allow you to build credit without long-term commitment. The credit history will help mortgage lenders trust your spending habits. Just make sure to pay off the cards after you use them!

2.  You don’t know your credit score. It’s hard to keep track of your credit if you don’t know your credit score! According to the 2015 Chase Slate Credit Survey, 39 percent of Americans don’t know their current score. By knowing your score, you can see where your credit stands before applying for a mortgage. If your score is low, you could look for mistakes on your credit report, or start focusing on paying down debt.

3.  You hoard credit cards. Having one or two active credit cards is a smart idea, but don’t go overboard. Having too many cards can leave you in debt, or can lower your score, because you lose track of what you spend on each card and when the next bill is due. The smarter option is to keep one or two cards in your wallet, use them, and then pay them off. It’s all about how you use credit.

4.  You close out credit cards. You might think it sounds wise to close credit cards before applying for a mortgage, to prevent you from using them, but this actually hurts your credit. It hurts your utilization rate, which is your credit card balance divided by your credit card limit, and it hurts the average age of your credit accounts. If you don’t use some of your cards, place them in a safe place where you won’t be tempted to use them.

For more credit card tips, check out this Real Simple article. As the blog title suggests, these tips are simple to follow! Once you know what you should and shouldn’t do with your credit cards, you’ll be on your way to better credit in no time.

Ready to buy a Katy home? Have questions about the home-buying process or about relocating to Katy? Contact me, your Katy real estate agent! I am here and ready to help you accomplish all of your goals in the Katy real estate market this spring.

Mickie Cioccia
Mickie C and Company Realty
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What Katy Homebuyers Should Know About Property Portals

Katy Home Buyers

Understand Property Portals as Katy Homebuyer

Most Katy homebuyers now begin their search for the perfect Katy home online, as do most buyers everywhere in this modern age. However, if you have done this as a buyer, you may have found that once you start your search, you end up with more questions than you started with. That’s what a Katy real estate agent is for! I can help you understand the entire home-buying process, the process of searching for listings, and how property portals work.

Various consumer-oriented portals operate in different ways and produce different results. As a Katy homebuyer, it’s helpful to understand the details of how listings are published online, so you can gain access to the most complete and accurate information.

Syndication – First, a seller’s agent creates a listing, which includes key details, selling points and photos for a home that is for sale. This information is entered into the local multiple listing service (MLS), and all Katy real estate agents with that MLS share access to the listings. Depending on rule requirements, agents may usually republish these listings on their own website.

Seller’s agents want their listings to be seen by as many people as possible, so they use syndication services to republish these listings on various consumer sites. However, once that happens, their ability to control updates on the content is hit or miss. Plus, some sites sell listing information to other sites, called resyndication, creating even more distance from the original source.

Results – Because these portals are hungry for as many listings and as much content as possible, to attract as many visitors as possible, content isn’t always kept up-to-date. As a result, Katy homebuyers might find properties that are no longer available for sale or that contain inaccurate details, such as estimated values.

Solution – Work with a Katy real estate agent! I can offer you the most current and accurate information, because when I work with you as your buyer’s agent, I have real-time access to the most complete inventory of homes for sale, along with the most timely details on prices, market status, comparable sales and more. You can also sign up for free email alerts from me, so you can always stay updated on the latest listings, and the latest updates on all qualified properties.

Have questions about the home-buying process? Ready to start searching for your new home in the Katy real estate market? Want to learn more about me? Contact me, your Katy real estate agent! I am here and ready to help you at any time.

Mickie Cioccia
Mickie C and Company Realty
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Prepare For Your Home-Buying Process In Katy, TX!

Katy Real Estate

Katy Home-Buying Tips

Do you want to buy a home in Katy? As a Katy real estate agent, I can’t blame you! In a recent poll of Americans on the move, the majority said they were moving to be near better climate or weather. Katy is beautiful year-round, so who wouldn’t want to live here?!

To help you prepare for the home-buying process, Forbes recently shared a list of things you need to know about buying a home. Here are some of my favorites:

1.  Use a real estate agent! This is the most important, because it make the rest of the process run smoother and calmer for you. Keep in mind that the agent representing the seller won’t protect your interests, and they will pocket both sides of the commission. So you’re not saving by not using an agent, and using an agent keeps your interests secure and makes the whole process run so much smoother!

2.  Consider the contracts. There are lots of papers to sign when buying a Katy home, and they look like standard contracts with no room for negotiation, but that isn’t true! They are meant to be negotiated, and again, by working with a knowledgeable Katy real estate agent, you will have someone behind your back to make sure that everything is up to snuff with your wishes and timelines.

3.  Plan for the future. You want to move into a Katy home that is perfect for your life now, but you also want it to be perfect for your life in the future. After all, you will most likely be living in that location for many years, as it can take five to seven years to pay down any real equity. Think about the location you want to live in, how long you’ll stay at your current job, if you plan on having kids and so on.

4.  Look beyond paint. It’s easy to choose a home based on its cosmetic look, but you also have to consider the safety of the home, and repair and maintenance costs down the road. This is why an inspection is so important. Also, if you’d want to upgrade a room, say a kitchen or bath, factor in those costs when determining whether you can afford a particular Katy home.

5.  Buy what you can afford. Don’t just listen to what a mortgage company tells you that you can afford. Think about your finances, your expenses, your future plans, and what could change your financial state in the future. It’s wise to spend no more than a third, or even 28 percent of your gross income, on housing costs. This includes insurance and taxes too, not just mortgage payments.

Check out the Forbes article for more things to know before buying a Katy home. Ready to buy? Have questions? Contact me, your Katy real estate agent! I am here to help you every step of the way!

Mickie Cioccia
Mickie C and Company Realty
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Katyites | Powered by © Katy Real Estate, Texas Real Estate - use Katyites Real Estate to find real estate in Katy Real Estate or other Texas real estate. Use our home buyer tools to research all aspects of the Katy Real Estate housing market including Katy Real Estate neighborhood information, Katy Real Estate home loans, and Katy schools. Whether looking for homes for sale in Katy Real Estate or Katy Real Estate apartments for rent, Yahoo! Real Estate can help. Our Katy real estate market snapshot gives you an overview of the housing market in Katy Real Estate, TX - easily find Katy Real Estate housing market prices, housing inventory statistics such as number of listings, median home price, home price trends, and monthly real estate market trends. Once you have a better sense for the Katy real estate market, search our Katy Real Estate foreclosures, Katy Real Estate new homes, Katy Real Estate classifieds, Katy Real Estate rentals, or all Katy homes for sale. From the award winning KatyISD school district, to the tremendous value in luxury homes in great family subdivisions like Cinco Ranch, Grand Lakes, Seven Meadows, Green Trails, Kelliwood, Nottingham, Windsor Park, Cross Creek Ranch, and Falcon Ranch, to world class hospitals and medical facilities that have the Katy area being dubbed "Med Center West"

realized they had found the perfect place for their clients to raise a family...and for their clients parents to enjoy the Grandchildren! Katy boasts great Active Senior options like Heritage Grand (a 55+ section of Cinco Ranch) and The Solana at Cinco Ranch, wonderful family amenities like parks, playgrounds, golf courses, lakes, fishing, boating, nature walks, and short drives to the beach and Hill Country. the Katy area is a great place to enjoy the weekend. Simply put Katy has it all! Area Tour" with you and show you why they feel Katy Real Estate is the best place in the Houston area to live, work. and play! You will see schools, great luxury family subdivisions, shopping facilities, highway options, and wonderful restaurants! Cross Creek Ranch: Cross Creek Ranch is the newest Master Planned Community in the Katy Real Estate area but is quickly catching on with those looking for a little slower pace

While still having lots of amenities and wonderful school options. Developed by the same people who brought us Grand Lakes, Cross Creek Ranch has a wide variety of homes and prices. This community is an easy commute to I-10 and the Westpark Tollway. Kelliwood: Kelliwood is a beautiful group of subdivisions off S. Fry Rd. A wide range of homes and home prices can be found here. From Custom Gated sections like LakeForest that are comprised of all estate homes...to smaller patio homes that border the Willow Fork Country Club. The short commute times appeal to a wide range of buyers! Green Trails: Green Trails is a large Master Planned Community that borders I-10, S. Fry Rd, and Baker Rd. It is full of amenities for the family, is close to I-10 and the Houston Energy Corridor, and has a variety of styles and price ranges from small one story homes up to Custom Estates...no matter what you are looking for it will be easy for you to carve out your slice of Green Trails! Silver Ranch: A fairly new master planned community located in area that some folks believe is the best part of all of Katy Real Estate.

Silver Ranch is only a short drive away from Katy Mills Mall and is located in the highly acclaimed Katy Independent School District. The community is approximately 3 miles from both I-10 and the Westpark Tollway. Lavish homes ranging from the $140's to $300's make the community very affordable for growing famililies or empty nesters. Silver Ranch is conveniently located for access to major employers in the energy corridor and has easy entree to South West Houston, Sugarland, West Park Tollway along with numerous park and ride bus lots that have express service to downtown Houston. When this community is completed it will be home to about 1,500 families. Amenities include Six Lane Jr Olympic Pool , Stone Grill Children's Splash Pad, Tennis Court, Playground and Swing Set, Outdoor BBQ Pavilion and numerous Walking Trails.

Seven Meadows: Seven Meadows is a Master Planned Community that was developed by the same people who put Cinco Ranch on the map! It is located right off HWY 99 (the Grand Parkway) with short commutes to both I-10 and the Westpark Tollway. Pools, parks, a movie theater, work out facilities, and nature trails are all part of this great community!


Katy is a city located in Harris, Fort Bend and Waller Counties in the U.S. state of Texas, within the Houston–Sugar Land–Baytown metropolitan area. The population was 11,775 at the 2000 census.

Katy, suburb of Houston, Texas, is named for the Missouri-Kansas-Texas Railroad (commonly referred to as the "K-T Railroad", now a part of Union Pacific) that ran through Katy in the 19th century. Katy was once known as Cane Island. The name is derived from Cane Island Creek which runs just west of downtown. Cane Creek is a branch of Buffalo Bayou. The origins of the name Cane Island are believed to be from the fact that Katy was once a major sugar cane producer and rice producer. To commermorate the importance of rice to the Katy community, the Chamber of Commerce holds the Rice Harvest Festival every second weekend of October.

Katy was recently the location of one of the ten large red balloons in the DARPA Network Challenge on December 5, 2009. The balloon was stationed in Katy Park.

In 2009 the Gadberry Group named Katy as one of nine "9 from 2009" most notable high growth areas in the United States.
After a low income apartment complex was proposed for development in an adjacent unincorporated area, in 2010 the Katy City Council passed a resolution stating that the development would decrease property values.[5] The plans for the complex were canceled.