Debbie Russell Realtor with UTR - Texas Realtors

07/20/2026

Discover the charm of this single-story patio home in University Green, boasting a host of impressive updates. Enjoy the elegance of solid surface countertops and modern kitchen cabinets, complemented by a range/oven that meets all your culinary needs. The home features durable TREK decking, roof in 2022, PEX plumbing, an updated GE electric control panel, and an updated HVAC system, ensuring comfort and peace of mind.

Located just steps away from the highly coveted, tree-lined greenbelt, residents can enjoy leisurely strolls along the paved walking trail. The community’s shaded paths offer the perfect setting for a relaxing walk with your dog. Additionally, the convenience of walking to the nearby pool enhances the lifestyle in this vibrant community.

Debbie Russell has several photos, a virtual tour, and additional information about 16630 Neumann Dr, Houston, Texas 77058

07/13/2026

The shortage of common sense is alive and well!

07/11/2026

07/08/2026

Understanding your credit score and its implications is crucial when considering obtaining a mortgage home loan. It's important to recognize that while many individuals qualify for loans to purchase high-ticket items like cars, boats, or RVs, qualifying for a home mortgage is a different process entirely. The evaluation of income and assets for a home purchase is fundamentally distinct and more rigorous. By gaining a comprehensive understanding of these differences, you can better prepare yourself for the home buying process.

Example: When discussing your annual income with a mortgage loan originator or a REALTOR®️, it's important to consider several key factors. Imagine you earn $150,000 annually, but $50,000 of that comes from bonuses, commissions, or overtime. Lenders typically cannot include these variable income sources in their calculations unless they are "guaranteed in writing by your employer." This is a common reason why many individuals discover, sometimes weeks into the process, that they do not qualify for a mortgage, despite being initially told otherwise. Understanding these nuances can help you avoid unexpected setbacks during your home loan process and home-buying journey.

https://www.facebook.com/share/p/196XL81F1P/

Curated by Smartbrief. According to a recent survey by credit scoring company FICO, 59% of Americans say they don't completely understand the steps involved in buying a home, with that figure rising to 64% among first-time homebuyers,

07/06/2026

https://www.facebook.com/share/p/1DBD232217/

Americans 70+ now hold about 26% of U.S. real estate wealth, but underwriting still favors paychecks over assets and equity.

07/01/2026

HUD, HIPPA, Mental Health Parity, ESA's & Housing... What is an ESA? An ESA is an Emotional Support Animal.

More importantly, why has the U.S. Department of Housing and Urban Development (HUD) seemingly regressed on this issue?

I am continually struck by the casual indifference I encounter among real estate professionals, landlords, and the general public when discussing Emotional Support Animals (ESAs). This subject appears to provoke strong reactions from many. With the recent changes in HUD's policies, it feels as though significant progress is being undone.

Many people fail to appreciate the critical role emotional support plays for some individuals'. For those who have no family, whether due to never having one, losing them over time, or being estranged from them, emotional support is essential. Increasingly, I hear stories of people who haven’t communicated with their children for years. Differences in political views and religious beliefs often create indifference among family and friends. Now, HUD's new policies are adding to this conversation by reversing years of advancement.

While having friends is valuable, the absence of family can be profoundly impactful. For some, friends may substitute for family, but for others, the distinction is clear. Personally, my dog is my family. Now, just imagine how a person feels who has a need for an ESA while they are forced to navigate "this backward trend" add to that built-in bias to the subject matter. Just more hurdles for people with emotional and or psychological challenges to traverse.

This reality affects many. The Mental Health Parity Act, initiated in 1996 and expanded through 2010, mandated that insurance policies cover mental health on par with physical health. Furthermore, the Health Insurance Portability and Accountability Act (HIPAA) protects patient privacy, which should extend to ESA's. I am confident that with the new HUD regulations, legal challenges will arise regarding HIPAA violations related to ESAs.

Scrutinizing an ESA in the housing market is a delicate matter. Reverting progress on this front is not feasible. If insurance companies must provide mental health parity and HIPAA remains enforceable, why is there a disparity between the treatment of service animals and emotional support animals? This separation of mental and physical health is unjustified.

By understanding these nuances, we can foster a more compassionate and informed dialogue about the vital role of ESAs in people's lives.

06/27/2026

Super disgusting! Stay away from grocery store meat!

06/25/2026

This is why I don’t like getting on and off the freeway just to go a few exists.