"***Educate * Enlighten * Empower*** We Believe Educated and Enlightened Consumers are Empowered to make Informed Decisions!"
Zelda Cain, originally from Sibley, MS, lives in Houston, TX with her husband of 38 years, three daughters and their families. She is an active servant in her church, a proud grandmother of 4 and a humanitarian in her community. She established a fulfilling career in corporate America before deciding to follow her passion, and dedicate more time and resources to her faith, family, and community. In 2006, Zelda launched her second career in real estate, and in 2016 founded A2Z Real Estate Consultants. Zelda is a lifetime member of Texas Real Estate Teachers Association, a Certified Real Estate Instructor, and an Instructor for the Real Estate Buyers Agent Council. She teaches approved certification, designation and personalized courses for numerous Realtor Boards, Associations, and Conferences throughout the US. Zelda is the Broker/Owner of A2Z Real Estate Consultants in Houston, TX. Committed to educate, enlighten, and empower communities, Zelda partners with corporations, elected officials and nonprofit organizations to educate consumers on achieving their goals of homeownership and financial wellness. Since 2011, she has consecutively received the Five Star Real Estate Agent award from Five Star Professional. She is a published author and has been featured and/or recognized in the Texas Monthly Magazine, Texas Realtor Magazine, Houston Realtor Magazine and the TRETA Talk Newsletter. In addition, Zelda provides a Corporate Voluntary Housing Benefit Program offering classes on Credit, Budgeting, Home buying and Home selling. Every buyer and seller is unique in their own way and so we offer consultations to map out a plan that will allow the client to obtain the goal they have set for their real estate transaction. Her strong customer focused approach has enabled A2Z to sustain leadership in the residential real estate industry since 2006. A2Z is a leader in the Houston area with a reputation for adamantly protecting their clients interest. Their savvy negotiatin
*Texas Monthly Magazine Five Star Realtor June 2013-2016
*Texas Real Estate Teachers Association(TRETA) Lifetime Member
*TREC Approved Instructor for Core and CE
*Legal Update 1 and 2 Instructor
Core and CE Instructor for Champions School of Real Estate
EAH and EHO Certified Instructor for National Association of Realtors
Previous Education Chair for Houston Black Real Estate Association
Property Management for various Asset Management Companies
Mobile Signing Agent
Certified Real Estate Instructor Candidate (CREI)
Graduate Realtor Institute (GRI)
Accredited Buyer Representative (ABR)
Military Relocation Specialist (MRP)
Texas Realtor Leadership Program (TRLP)
Texas Affordable Housing Specialist (TAHS)
Certified Distress Property Expert (CDPE)
Short Sale Foreclosure Specialist (SFR)
Certi
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The SRES class will give you lots of information on marketing to this niche group of buyers and sellers. Education is always key and you will also get tons of resources to add to your database in order to assist the client in every aspect of their purchase or relocation. Please contact Rita or Ronnie in the education department at HAR to find out the next time they will offer the class. I think you will really benefit from it.
Hi Annette: Looking for a lake front property in he Houston area for one of my buyers. Wish it was closer in, I would definitely show it to them.
rent may possibly be a stretch. The actual principle and interest may be $700 or less per month, however, you will also have to account for taxes and insurance as well. I’m not sure the house payment of $700 will cover the Principle, Interest, Taxes, and Insurance. Which means taxes and insurance will be an added expense for you and your husband. however 1) we have no down payment Based on the income you and your husband have on an annual basis it looks like you will qualify for several different down payment assistance programs. Each program have different qualifications and so a bit more information regarding your income, household size, credit scores, and where you are looking to live will be needed in order to direct you to the program that will work best for you. and 2) we have no idea where to start. There are homebuying classes that are offered throughout the City that will walk you through the process. In addition, I recommend you find a Realtor that works with first time home buyers and is also familiar with down payment assistance program options who can make sure you get the attention and assistance you need during your process. Not every Realtor and not every Lender has a history of the information you need in order to make your homebuying experience pleasurable. We’ve got two car payments each month as well as a personal loan we’re paying off and I have student loans, if that means anything. This means a lot. The lender is going to look at your Debt To Income Ratios in order to approve you for a home loan. Your monthly payments can cause you to have to wait a bit longer than planned to purchase your new home. Student Loans can potentially be a deal breaker all by themselves if you have not properly prepared. Unfortunately I do not have the time and/or space to fully explain. Based on your student loan balance, you may need to go the Conventional Loan route instead of an FHA Loan. If this is the case the Conventional Loan will require you
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