We’re borderline desperate, and I’m simply not sure where else to turn for help. Our lease for our apartment runs out next month, and the apartment has been flooding for over a week now and we’ve been fighting with maintenance to fix it, so we really don’t want to renew. We’re paying $1100/month in rent right now, we both work full time making a combined 80k/year approximately. It seems like house payments in our area are at least $400 less than what we pay in rent, so it seems doable, however 1) we have no down payment and 2) we have no idea where to start. 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. I’ve tried various google searches and keep getting different answers. We just want to be in a house. Any advice would be greatly appreciated,\n\n

Hi Jignesh,\n\nI understand your situation and I\'m sorry you are experiencing this. My advice to you is get in touch with a lender. They will be able tell you exactly how to move your money around so you can get qualified for a mortgage for a house given your current situation. It may take a little time, it may not. If you would like some suggestions for lenders, please send me a text at 281-607-6760 or an email to vanesmarealtor@gmail.com and I can point you in the right direction. I wish you the best!

I work with a community bank moving into the Houston market and want to try and fill in any white space that realtors have identified in the mortgage market. What is the industry missing that we can provide?

Hi Matt!\n\nAbsolutely! There are two big ones that I see repeatedly. \n\nOne is for people with ITINs. According to the IRS, an ITIN, or Individual Taxpayer Identification Number, is a tax processing number only available for certain nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number (SSN). It is a 9-digit number, beginning with the number \"9\", formatted like an SSN. HUGE market for this. \n\nThe other is for people with low credit scores. I´ve worked with several people who meet the cash/income requirement but whose credit scores are below or just below traditional financing limits. I only know one lender who can go as low as 520 because he works with private investors to get people financed. There is room for another lender serving that market. \n \nPlease let us all know when you\'re ready!

Property is under a lease contract. Lease will start on Aug 28th, but as agreed on a contract tenant has failed to pay deposit and fIrst month rent on Aug 20th. How can landlord terminate lease due to breach of contract. Tenant has not occupied the property as lease will start on aug 28th,

This sounds like an issue for a real estate attorney, so please have your landlord consult one! That said, in this case, the tenant is in default. Your landlord may have legal recourse (should they choose to pursue legal action). \n\nPlease see below, extracted from the TAR Residential Lease (TXR-2001), 27. B.\n\n27. DEFAULT:\nA. If Landlord fails to comply with this lease, Tenant may seek any relief provided by law.\nB. If Tenant fails to timely pay all amounts due under this lease or otherwise fails to comply with this lease, Tenant will be in default and:\n(1) Landlord may terminate Tenant\'s right to occupy the Property by providing Tenant with at least one day written notice to vacate;\n(2) all unpaid rents which are payable during the remainder of this lease or any renewal period will be accelerated without notice or demand;\n(3) Landlord may exercise Landlord\'s lien under Paragraph 23 and any other rights under this lease or the Property Code; and\n(4) Tenant will be liable for:\n(a) any lost rent;\n(b) Landlord\'s cost of reletting the Property including but not limited to leasing fees, advertising fees, utility charges, and other fees reasonably necessary to relet the Property;\n(c) repairs to the Property for use beyond normal wear and tear;\n(d) all Landlord\'s costs associated with eviction of Tenant, including but not limited to attorney\'s fees, court costs, costs of service, witness fees, and prejudgment interest;(e) all Landlord\'s costs associated with collection of amounts due under this lease, including but not limited to collection fees, late charges, and returned check charges; and\n(f) any other recovery to which Landlord may be entitled by law.\n\nHope this helps!

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Vanessa Esma

Keller Williams Preferred

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Vanessa Esma began her real estate career after spending many years in the international tourism industry in Mexico's Yucatán Peninsula, where she lived for over 20 years.Having grown up on the border of Mexico and the United States, Vanessa embraces both cultures and brings a unique, bilingual perspective to her work. With a strong background in customer service and management, she is committed to helping you achieve your real estate goalswhether you're searching for your dream home, selling for top dollar, looking for the perfect apartment, or expanding your investment portfolio.Buying or selling a homeespecially for the first timecan be emotional and overwhelming, but Vanessa's approachable and knowledgeable guidance helps make the process smoother and more enjoyable.If you're ready to buy, sell, or rent a property, reach out to Vanessa by email or message and let her start working for you today!

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Vanessa Esma, recommended by a Consumer, helped buy a property on Oct. 11th, 2021

“Vanessa helped me buy my first home She helped me throughout every step and was ... “Vanessa helped me buy my first home. She helped me throughout every step, and was always willing to answer any questions I had. I bought new construction and she stayed ontop of them making sure deadlines were meet and fighting for my best interest." Read more

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Listings by Vanessa Esma & Prior Sales

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13242 Vallentine Row Dr

Houston, TX 77044

$300K

Active

4 beds

2 baths

2,778 sqft.

1215 Lawrence St

Rosenberg, TX 77471

$314K

Active

4 beds

2 baths

1,856 sqft.

725 Ivory Creek Ct

Willis, TX 77378

$390K

Active

4 beds

3 baths

2,356 sqft.

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Sold: 03/11/2026

Represented: Buyer

3113 Chestershire Dr

Pasadena, TX 77503

$250K - $285K

Sold

4 beds

2 baths

1,600 sqft.

Sold: 01/26/2026

Represented: Buyer

12422 Garden Gale Ln

Houston, TX 77044

$250K - $285K

Sold

3 beds

2 baths

1,736 sqft.

Sold: 08/26/2025

Represented: Buyer

12135 Quail Creek Dr

Houston, TX 77070

$325K - $370K

Sold

4 beds

2 baths

2,351 sqft.

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Rented: 04/08/2026

Represented: Buyer

9539 Still Cove Ln

Houston, TX 77089

$0 - $10K

Rented

4 beds

2 baths

2,850 sqft.

Rented: 03/19/2026

Represented: Buyer

14334 Fair Knoll Way

Houston, TX 77062

$0 - $10K

Rented

3 beds

2 baths

2,140 sqft.

Rented: 08/15/2025

Represented: Both

3348 Burke Rd #114

Pasadena, TX 77504

$0 - $10K

Rented

2 beds

1 bath

812 sqft.

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19438 Little Pine Ln

Katy, TX 77449

$315K

Under Contract - PS

5 beds

3 baths

2,879 sqft.

723 Lochnell Dr

Houston, TX 77062

$360K

Active

4 beds

3 baths

2,308 sqft.

1822 Lansing Cove Dr

Fresno, TX 77545

$300K

Active

4 beds

2 baths

2,696 sqft.

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Vanessa Esma with Keller Williams Preferred is a real estate professional in TX. View Vanessa Esma's bio, Listings by Vanessa Esma, Neighborhoods where Vanessa Esma is active and more. You can contact Vanessa Esma by clicking the button below.

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2734 Sunrise Blvd Suite 208, Pearland, TX 77584

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Keller Williams Preferred, is a Texas real estate firm, located at 2734 Sunrise Blvd Suite 208, Pearland, TX 77584. Keller Williams Preferred provides a wide range of real estate services. Consumers continue to find value in having a real estate professional help them through the home buying and selling process. The range of services the real estate professionals provide is proving ever more valuable in real estate transactions (financing twists and sales contract intricacies). Please view Keller Williams Preferred current listings, or sold listings.

Buyers and sellers give reviews to the real estate agents for the level of expertise and professionalism they bring to the real estate transaction. View Keller Williams Preferred Agent Roster. Keller Williams Preferred has multi-lingual agents: Gujarati, Hindi, Indonesian, Urdu, French, etc., see all languages. Keller Williams Preferred has multi-cultural agents, including agents from India, Malaysia, Singapore, Belgium, Canada, etc., see all cultures.

Please visit Keller Williams Preferred website, where you will find useful information on how to choose the right property, make an offer, negotiate, finance, pick the feasible mortgage rates, move, as well as get hold of all the details needed in making an informed real estate decision in today's market.

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Vanessa Esma

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Designations

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Recommendations

Listings by Vanessa Esma & Prior Sales

13242 Vallentine Row Dr

1215 Lawrence St

725 Ivory Creek Ct

3113 Chestershire Dr

12422 Garden Gale Ln

12135 Quail Creek Dr

9539 Still Cove Ln

14334 Fair Knoll Way

3348 Burke Rd #114

19438 Little Pine Ln

723 Lochnell Dr

1822 Lansing Cove Dr

Neighborhoods

1960/Cypress Creek North

Alvin Area

Baytown/Chambers County

Baytown/Harris County

Bear Creek South

Clear Lake Area

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Keller Williams Preferred

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Vanessa Esma

Team

Designations

Languages spoken by Vanessa Esma

Cultures known by Vanessa Esma

Recommendations

Listings by Vanessa Esma & Prior Sales

13242 Vallentine Row Dr

1215 Lawrence St

725 Ivory Creek Ct

3113 Chestershire Dr

12422 Garden Gale Ln

12135 Quail Creek Dr

9539 Still Cove Ln

14334 Fair Knoll Way

3348 Burke Rd #114

19438 Little Pine Ln

723 Lochnell Dr

1822 Lansing Cove Dr

Neighborhoods

1960/Cypress Creek North

Alvin Area

Baytown/Chambers County

Baytown/Harris County

Bear Creek South

Clear Lake Area

Get access to Premium Content

Community Participation

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Benefits of Working with a Platinum Agent

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Office location

Keller Williams Preferred

Top Real Estate Agents