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      <P>&nbsp;</P><BR><BR>&nbsp; &nbsp; &nbsp; <FONT face="Arial, Helvetica" 
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      size=1>The two most common types of mortgages are fixed-rate mortgages and adjustable-rate mortgages, known as ARMs. ..<A 
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          <TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
        width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" size=1>Shopping for a mortgage is the first step toward owning a home and perhaps the most daunting, especially if you are not prepared.  ..<A 
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      size=1>There are several things you need to think about before you apply for your loan! ..<A 
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          <TD bgColor= #4B4B4B><A 
      href="Infolookup.asp?target=27"><FONT 
            color= #FFFFFF size=-1>Debt To Income Ratio</a></SPAN></FONT></TD></TR>
        <TR>
          <TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" 
        width=1></TD></TR></TBODY></TABLE><FONT face="Arial, Helvetica" 
      size=1>Here's an explanation of debt to income ratio which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. ..<A 
      href="Infolookup.asp?target=27" 
      alt="information about Shallowater Texas real estate"> [MORE]</A> 
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      size=1>This report will provide you with the information about home inspections ..<A 
      href="Infolookup.asp?target=28" 
      alt="information about Shallowater Texas real estate"> [MORE]</A> 
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</TD></TR><TR><TD bgColor=#4b4b4b><SPAN class=projectMainHeaderBarText><B><FONT color=white>&nbsp; Links</B> </SPAN></FONT></TD></TR><TR><TD><IMG height=4 alt="" src="Skin_Files/spacer.gif" width=1>
</TD></TR></TBODY></TABLE><TABLE width="100%"><TBODY><TR><TD><FONT face="Arial, Helvetica" size=1>I have gathered valuable links to websites I feel may be of some interest to you... <A href="http://www.buylubbock.com/links.html" alt="more links"><B>[MORE]</B> </A><BR><BR><A href="http://www.buylubbock.com/links.html" alt="Shallowater Links"><CENTER><FONT size=+1><B>[ VIEW LINKS ]</A> </FONT></B></CENTER><BR><BR>
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                <TD class=label><B>Choose a City:</B></TD>
                <TD class=label><B></B></TD>
                <TD class=label> </TD></TR>
              <TR>
                <TD colspan=3>
               
               
               
               <select name="city">               
                <OPTION VALUE="City::Str::City::Like::Shallowater" selected>Shallowater</OPTION>
<OPTION VALUE="">---------</OPTION>
<OPTION VALUE="City::Str::City::Like::Abernathy">Abernathy</OPTION>
<OPTION VALUE="City::Str::City::Like::Afton">Afton</OPTION>
<OPTION VALUE="City::Str::City::Like::Anton">Anton</OPTION>
<OPTION VALUE="City::Str::City::Like::Brownfield">Brownfield</OPTION>
<OPTION VALUE="City::Str::City::Like::Crosbyton">Crosbyton</OPTION>
<OPTION VALUE="City::Str::City::Like::Earth">Earth</OPTION>
<OPTION VALUE="City::Str::City::Like::Floydada">Floydada</OPTION>
<OPTION VALUE="City::Str::City::Like::Hale Center">Hale Center</OPTION>
<OPTION VALUE="City::Str::City::Like::Idalou">Idalou</OPTION>
<OPTION VALUE="City::Str::City::Like::Justiceburg">Justiceburg</OPTION>
<OPTION VALUE="City::Str::City::Like::Kent">Kent</OPTION>
<OPTION VALUE="City::Str::City::Like::Lake Ransom">Lake Ransom</OPTION>
<OPTION VALUE="City::Str::City::Like::Levelland">Levelland</OPTION>
<OPTION VALUE="City::Str::City::Like::Littlefield">Littlefield</OPTION>
<OPTION VALUE="City::Str::City::Like::Lorenzo">Lorenzo</OPTION>
<OPTION VALUE="City::Str::City::Like::Muleshoe">Muleshoe</OPTION>
<OPTION VALUE="City::Str::City::Like::New Deal">New Deal</OPTION>
<OPTION VALUE="City::Str::City::Like::Other">Other</OPTION>
<OPTION VALUE="City::Str::City::Like::Paducah">Paducah</OPTION>
<OPTION VALUE="City::Str::City::Like::Petersburg">Petersburg</OPTION>
<OPTION VALUE="City::Str::City::Like::Plainview">Plainview</OPTION>
<OPTION VALUE="City::Str::City::Like::Possum Kingdom">Possum Kingdom</OPTION>
<OPTION VALUE="City::Str::City::Like::Post">Post</OPTION>
<OPTION VALUE="City::Str::City::Like::Ralls">Ralls</OPTION>
<OPTION VALUE="City::Str::City::Like::Ransom Canyon">Ransom Canyon</OPTION>
<OPTION VALUE="City::Str::City::Like::Ropesville">Ropesville</OPTION>
<OPTION VALUE="City::Str::City::Like::Shallowater">Shallowater</OPTION>
<OPTION VALUE="City::Str::City::Like::Slaton">Slaton</OPTION>
<OPTION VALUE="City::Str::City::Like::Smyer">Smyer</OPTION>
<OPTION VALUE="City::Str::City::Like::Sudan">Sudan</OPTION>
<OPTION VALUE="City::Str::City::Like::Tahoka">Tahoka</OPTION>
<OPTION VALUE="City::Str::City::Like::White River">White River</OPTION>
<OPTION VALUE="City::Str::City::Like::Wilson">Wilson</OPTION>
<OPTION VALUE="City::Str::City::Like::Wollforth">Wollforth</OPTION>



                </select>
                
                
</TD>
                </TR>
              <TR>
                <TD class=label colSpan=3>Price Range:</TD></TR>
              <TR>
                <TD><SELECT name=searchPriceRangeLow>

                      <option value="Price::Int::Price::GreaterThan::0">No Min
                      </option>
                      <option value="Price::Int::Price::GreaterThan::50000">50,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::75000">75,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::100000">100,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::125000">125,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::150000" selected>
                      150,000</option>
                      <option value="Price::Int::Price::GreaterThan::175000">175,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::200000">200,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::225000">225,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::250000">250,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::275000">275,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::300000">300,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::350000">350,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::400000">400,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::500000">500,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::750000">750,000
                      </option>
                      <option value="Price::Int::Price::GreaterThan::1000000">1,000,000
                      </option>
                    
                    
                    </SELECT> <SPAN 
                  class=label>to </SPAN></TD>
                <TD colSpan=2><SELECT name=searchPriceRangeHigh>
                
                      <option value="Price::Int::Price::LessThan::9999999" selected>
                      No Max</option>
                      <option value="Price::Int::Price::LessThan::50000">50,000
                      </option>
                      <option value="Price::Int::Price::LessThan::75000">75,000
                      </option>
                      <option value="Price::Int::Price::LessThan::100000">100,000
                      </option>
                      <option value="Price::Int::Price::LessThan::125000">125,000
                      </option>
                      <option value="Price::Int::Price::LessThan::150000">150,000
                      </option>
                      <option value="Price::Int::Price::LessThan::175000">175,000
                      </option>
                      <option value="Price::Int::Price::LessThan::200000">200,000
                      </option>
                      <option value="Price::Int::Price::LessThan::225000">225,000
                      </option>
                      <option value="Price::Int::Price::LessThan::250000">250,000
                      </option>
                      <option value="Price::Int::Price::LessThan::275000">275,000
                      </option>
                      <option value="Price::Int::Price::LessThan::300000">300,000
                      </option>
                      <option value="Price::Int::Price::LessThan::350000">350,000
                      </option>
                      <option value="Price::Int::Price::LessThan::400000">400,000
                      </option>
                      <option value="Price::Int::Price::LessThan::500000">500,000
                      </option>
                      <option value="Price::Int::Price::LessThan::750000">750,000
                      </option>
                      <option value="Price::Int::Price::LessThan::1000000">1,000,000
                      </option>
                      <option value="Price::Int::Price::LessThan::2000000">2,000,000
                      </option>
                      <option value="Price::Int::Price::LessThan::5000000">5,000,000
                      </option>
                      <option value="Price::Int::Price::LessThan::10000000">10,000,000
                      </option>
                      <option value="Price::Int::Price::LessThan::1000000000">Unlimited
                      </option>
                      
                      
                      
                      </SELECT> </TD></TR>
              <TR>
                <TD class=label>Beds:</TD>
                <TD class=label colSpan=2>Baths:</TD></TR>
              <TR>
                <TD><SELECT id=mnbed name=beds>
                
                <option value="Bedrooms::Str::Beds::GreaterThan::0">No Minimum
                      </option>
                      <option value="Bedrooms::Str::Beds::GreaterThan::1">1+
                      </option>
                      <option value="Bedrooms::Str::Beds::GreaterThan::2">2+
                      </option>
                      <option value="Bedrooms::Str::Beds::GreaterThan::3">3+
                      </option>
                      <option value="Bedrooms::Str::Beds::GreaterThan::4">4+
                      </option>
                      <option value="Bedrooms::Str::Beds::GreaterThan::5">5+
                      </option>
                      <option value="6">6+</option>
                    
                    
                    </SELECT> </TD>
                <TD><SELECT id=mnbath name=baths> 
                
                
                
                      <option value="Bathrooms::Int::Baths::GreaterThan::0">No Minimum
                      </option>
                      <option value="Baths::GreaterThan::1">1+</option>
                      <option value="Bathrooms::Int::Baths::GreaterThan::2">2+
                      </option>
                      <option value="Bathrooms::Int::Baths::GreaterThan::3">3+
                      </option>
                      <option value="Bathrooms::Int::Baths::GreaterThan::4">4+
                      </option>
                      <option value="Bathrooms::Int::Baths::GreaterThan::5">5+
                      </option>
                    
                    
                    
                    </SELECT>
                     </TD>
                <TD align=right><INPUT type=image height=21 width=32 
                  src="images/go_10.JPG" value=GO border=0 id=image1 name=image1> </TD></TR>
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                <TD xalign="right"> </TD></TR>
              <TR>
                <TD colspan="3">
                  <DIV class=reg>
                  <FONT color=black face="Arial" size=2><NOBR><B>Call Dave&nbsp;&nbsp;McClintock<BR>(806) 792-8202</NOBR></FONT>
</DIV></TD></TR></form></TBODY></TABLE>

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            <h3>Shallowater Real Estate</h3></center>
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      <FONT size=5><STRONG>A</STRONG></FONT>re you curious about the value of <B>Shallowater 
      Texas real estate</B>? &nbsp; I can answer this important question 
      in about ten seconds!  Simply 
<IMG id=homefade style="Z-INDEX: 1; WIDTH: 160px;  HEIGHT: 110px; z-order: 1" 
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put in the <B>Texas</B> home address and in no 
            time you'll have your estimate, complete with all the home values in 
            the area!  <FONT size=5><STRONG>B</STRONG></font>efore I 
            <B>list your home in the MLS</B>, you'll be confident that your <B>Shallowater</B> home 
            is sold for the right price. A home 
      priced too high will not sell, while a 
      home priced too low will leave you with less than satisfactory results on 
      your <U>investment</U>. I specialize in <B></B> so contact me today!
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<FONT size=4><STRONG>L</STRONG></FONT>
<FONT size=2>et this market snapshot help you decide the right time to buy.
  Buying a house can cut your taxes significantly. You can deduct mortgage
 interest from your income tax and you can deduct real estate tax from your
 annual financial filings.  Example of how this can cut taxes:
 A homeowner in the 28% tax bracket that pays a
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monthly housing expense on a $150,000 loan will receive a credit that will reduce annual income taxes by about $3,600. That's about $300 a month. Awesome!

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<span style='position:relative;top:-12;left:42'><small>[click for info]</small></span>
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</TD><!-- begin grey horizontal line and spacers --><TR><TD><P align=center><B>ADVANCED HOME SEARCH</B><BR><a href=searcher.asp><IMG border=0 src="Skin_Files/home_search.jpg" border=0 alt='Shallowater Home Search' width=147>
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</P><font size=+1>W</font><small>e are proud to present advanced real estate search tools for your use. 
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</P></TD></TR><!-- end grey horizontal line and spacers --><TR vAlign=top><TD vAlign=top width=179><P><A href="http://www.buylubbock.com/servicearea.html" alt="Shallowater Texas service area"><IMG style="WIDTH: 62px; HEIGHT: 66px" alt="Shallowater Real Estate" src="Skin_Files/welcome2.jpe" align=right border=0 valign="top">
</A> <FONT size=1><FONT size=4><STRONG>J</STRONG> </FONT>oin a growing field of satisfied buyers and sellers in  today! We can help sell your <B>Shallowater Real Estate</B> quickly! We have the most comprehensive IDX search engine which spans even beyond <B></B> and can offer you a home value analysis on <U> Homes</U> !</FONT> </P><P><FONT size=1><FONT size=4><STRONG>W</STRONG> </FONT>e continue to be among the top of all agents in the <B></B> area. Let us put our expertise in the <A style="TEXT-DECORATION: none" href="http://www.buylubbock.com">Shallowater real estate</A> market to work for you today! <A href="http://www.buylubbock.com/servicearea.html">[MORE]</A> </P></FONT><BR><HR><BR><table width=150><tr><td align=center>
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<nobr><font size=+1><B>Relocation Pack</B></nobr></font>
<BR><BR>
<small><B>Shallowater</B> is a fantatic place to move! &nbsp; Let us help you with your move.  &nbsp; We can provide you with valuable information that will assist you in your relocation.</i>
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[<a href='Relocation.html' style='text-decoration:none'>RELOCATION PACK</a>]</B>
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