  This area is rich with a variety of neighborhoods to suit any need. One of the most successful gated communities in North America is right here, Lake of the Woods, it has a beautiful 300 plus acre lake with boating, swimming and water skiing being among the water sports available there. Lake of the Woods also provides an 18-hole golf course, tennis, swimming pools, playgrounds and more. Fawn Lake is another gated community that offers golf, water sports, tennis, fly fishing and gardening cubs. Fawn Lake is the ultimate in luxury living for our area. We have several other golf communities and neighborhoods that cater to those that like their grounds to be maintained by the community. Since we have lots of military families from all levels we have a neighborhood for everyone. Historic Fredericksburg also offers homes from the 1700 and 1800s that have incredible history and charm. Whether you desire a townhouse, a 100-acre estate, a historic home, river or lake waterfront home or seclusion in the woods, we can find something for everyone!!!!
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 |
In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
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| A |
Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen. |
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- NUMBER1EXPERTS™ 
