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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Shirl A. Thornton, a proven Horseshoe Bay, Kingsland and Marble Falls, Texas NUMBER1EXPERT™ Top Selling real estate agent. Find Horseshoe Bay, Kingsland and Marble Falls Homes - Find Horseshoe Bay, Kingsland and Marble Falls, Texas real estate listings & homes for sale provided by Shirl A. Thornton, your local expert real estate agent. Waterfront Properties and Resort Homes. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Shirl A. Thornton, a proven Horseshoe Bay, Kingsland and Marble Falls, Texas NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Shirl A. Thornton, a proven Horseshoe Bay, Kingsland and Marble Falls, Texas NUMBER1EXPERT™ Top Selling real estate agent. Horseshoe Bay, Kingsland and Marble Falls Information - Find local information on Horseshoe Bay, Kingsland and Marble Falls, Texas including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Shirl A. Thornton, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Shirl A. Thornton, a proven Horseshoe Bay, Kingsland and Marble Falls, Texas NUMBER1EXPERT™ Top Selling real estate agent. About Shirl A. Thornton - Information about Shirl A. Thornton including testimonials, guarantees, credentials, and contact information. Learn why Shirl A. Thornton is a proven Horseshoe Bay, Kingsland and Marble Falls, Texas NUMBER1EXPERT™ Top Selling real estate agent. 
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Financing Your Home >Mortgage Myths
Nationwide surveys indicate that a large number of potential home buyers count themselves out of the market because of widely-held myths about home financing.
Some of the most prevalent myths include: 1) home buyers need large down payments (more than is actually the case); 2) the loan process works against people under age 35; 3) owning a home is more expensive than renting; and 4) minorities have no chance of getting a mortgage.
The surveys found that many people view the mortgage process as "difficult, stressful, and incomprehensible." Many qualified first-time buyers are unaware of special programs designed to make home ownership affordable to them. The home loan industry is always looking for new ways to dispel these myths because lenders want more business, not less. The alternatives to traditional 20% down, thirty-year fixed mortgages are astonishing. Mortgage brokers are experienced in explaining today's financing and debunking the myths.
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| Q |
Where is the world's oldest hotel?
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| A |
The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties. |
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