About the Kingwood, Humble and Northeast Houston, Texas Area   |  | | |
 -Kingwood- Kingwood is a master-planned community twenty-two miles northeast of downtown Houston situated in 14,000 heavily wooded forest acres. Kingwood - The Livable Forest - has integrated what nature has provided in a picturesque site canopied by more than twenty species of shade trees. Wildlife abounds in harmony with over 48,000 residents who chose Kingwood for a lifestyle unattainable in most metropolitan areas. Kingwood is filled with small lakes and greenbelts laced with fifty-seven miles of paved trails for biking, jogging, or just strolling. Enjoy neighborhood playgrounds with pools and community parks with ball fields and soccer fields for competitions or just for fun. Three are two private member clubs provide five outstanding 18-hole golf courses, twenty-five tennis courts, and five pools plus dining and meeting facilities in addition to year-round social activities. School District: Humble Independent School District 89% of graduating seniors go on to college and universities Humble ISD Education Information Community Website: City of Humble Kingwood Information Humble Rodeo Chamber of Commerce: Humble Chamber of Commerce Kingwood Chamber of Commerce Things to Do in the Kingwood/Humble/Atascocita Area: Shopping Mall - Deerbrook Mall Deerbrook AMC 24 Movie Theatre Mountasia Lake Houston Fishing 
 -The Woodlands- The Woodlands is a planned community, comprised of several large villages, located approximately 27 miles north of downtown Houston. It is known for its excellent schools, hike and bike trails (for jogging and biking) golf courses, tennis facilities, a world class swimming facility, the Cynthia Woods Mitchell Pavilion for the performing arts, its excellent business and research facilities, and its wonderful community spirit. The Woodlands is a well planned community, north of Houston, that offers friendship, culture, recreation, and affordable housing without the hassle of big city living. Built in a wonderful natural environment amidst a pine forest, The Woodlands is made up of six residential villages: - Grogan's Mill - Panther Creek - Cochran's Crossing - Alden Bridge - Indian Springs - Sterling Ridge The area has been internationally recognized and has received many awards for its excellence in design. This strong family oriented community offers free concerts and play for children, July 4th parades, and Halloween carnivals. The Woodlands provides a safe environment where you and your children can ride your bicycles to swim, play tennis, or even ride to the ice cream store. Horseback riding is available in the vicinity. The Woodlands is the only master planned community linked to Houston by two major arteries, 1-45 and the Hardy Toll Road. A spur from the Hardy Toll Road takes you directly onto the Intercontinental Airport property. School District: Conroe ISD Conroe Independent School District Community Websites: The Woodlands The Woodlands Online Chamber of Commerce South Montgomery County-Woodlands Things to Do in The Woodlands: The Woodlands Town Center The Woodlands Town Center Retailers and Shopping Map Shopping Centers, Stores, and Locations Restaurants and Dining Guide Entertainment and More Hotel and Travel Accomodations Services and More  -Champions & FM 1960- You can really have it all in Northwest Houston: outstanding facilities, fine hotels and restaurants, trees, golf courses and parks, the world-class Bush Intercontinental Airport (IAH), and Hooks Airport, a private facility with full capabilities for corporate aircraft as well as standby relief for IAH. Bush Intercontinental Airport is just minutes away from anywhere in northwest Houston. Both the Greenspoint Regional Mall and the Willowbrook Regional mall are located within the area served by the Houston Northwest Chamber of Commerce, providing extensive shopping opportunities at major department stores. The mall's 1.5 million square feet of space is anchored by Dillard's, Foley's, J.C. Penny, Montgomery Ward, Lord & Taylor and Sears. School District: Klein Independent School District Chamber of Commerce: Houston Northwest Chamber of Commerce  -Conroe & Lake Conroe- The Greater Conroe area is a rare blend of neighborhoods in the forest, in the city, and on the lake. Its gentle rolling hills area covered in pine trees, azaleas and dogwoods. The area is located close enough to Houston to enjoy its amenities yet far enough away to be out of the hectic lifestyle. With Houston just 40 miles south, and The Woodlands, one of the fastest-growing, master-planned communities in the state only ten miles to the south, location has played a major part in the growth of Conroe and Montgomery County. Lake Conroe. Less than five minutes from the intersection of I-45 and Hwy. 105, Conroe's newest natural resource, Lake Conroe, is by far the most popular attribute of the area. The 22,000 acre Lake Conroe is also its biggest and most popular source of recreation--a favorite site for swimming, boating, fishing, sailing and other leisure activities. School District: Conroe Independent School District Chamber of Commerce: Conroe/Lake Conroe Chamber of Commerce Things to Do in the Conroe and Lake Conroe Area: Lake Conroe Information Shopping Centers, Stores, and Locations Entertainment Ideas Golf Courses Camping and Nature Guide Nightlife and Entertainment Locations in Conroe Arts, Culture, and Historic Locations Historic Montgomery Texas More Things to Do in the Lake Conroe Area
 -Cypress- Located northwest of Houston, the two main crossroads, FM 1960 at State Highway 290 and at State Highway 249, are 21 miles from Houston's central business district. Both the Northwest Freeway (U.S. 290) and State Highway 249 form good commuting links with Houston. The Sam Houston Tollway adds excellent access to the south and to the east. Many stores and services have developed along the major thoroughfares. The Willowbrook Mall has established a strong local commercial focus. School District: Cypress Fairbanks ISD Community Website: Cypress Community Information Chamber of Commerce: Cy-Fair Houston Chamber of Commerce  -Katy- The Katy and West Houston Area is one of the most rapidly developing areas in the Houston vicinity. Katy offers the charm of a small town, or the sophistication of suburbia. Housing in Katy ranges from apartments and condominiums to large estate homes with acreage to enjoy and maintain horses. Others have championship golf courses in their backyard. Subdivisions abound with tennis courts, swimming pools, and endless amenities for residents. School District: Katy ISD Award Winning Chamber of Commerce: Katy Chamber of Commerce   |  | | |
 -Fort Bend / Sugarland- Sugar Land is an economically strong and culturally diverse city located 20 miles southwest from downtown Houston. It is a full-service municipality providing the highest quality of affordable services to meet the needs of its citizens. Master-planned communities and welcoming neighborhoods enhance home values and create a sense of belonging. The community offers outstanding schools, libraries, civic organizations and other resources that make Sugar Land a great place to work, live and raise a family. Sugar Land's diverse business community offers residents convenient shopping, dining, health clubs, ice skating and hockey. The First Colony Mall and the Market at Town Center offer an array of department stores, specialty shops and restaurants. Sugarland is home to 12 master-planned communities in Fort Bend County, which is more master-planned communities than any other county in the nation. The following master-planned communities are located within the City of Sugarland or the city's extraterritorial jurisdiction (area the city will eventually annex) - First Colony - Sugar Lakes - Sugar Creek - Avalon - Pecan Grove Plantation - GreatWood - New Territory - Quail Valley - Sienna Plantation School District: Fort Bend Independent School District Community Website: Fort Bend County Information First Colony Sugarland Chamber of Commerce: Fort Bend Chamber of Commerce

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Financing Your Home >Watch Your ARMs Length
Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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| Q |
What 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?
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Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean. |
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