Expert Buying Advice

​Pay 20 Percent Down? Maybe Not.

It’s an old wives’ tale that buyers need to put down at least 20 percent in order to purchase a home. In fact, there are several loan programs that allow you to put down just a fraction of that – as little as 3 percent of the sales price (zero in some cases!) – and still get the home of your dreams.

​5 Warning Signs You Aren’t Ready to Buy a Home

Pretty much everyone would like to buy their own home. After all, it means lower monthly payments, no landlords, and you can (in most cases) do what you wish with the property. What more could you ask for?  Unfortunately, sheer desire isn’t enough to make someone a homeowner – at least it shouldn’t be.

Three Things to Consider When Choosing a “Good” San Antonio Neighborhood

If you’re looking for your new home in San Antonio, chances are you’ve probably got a few specific neighborhoods or areas in mind. It can be difficult to decide which neighborhood is going to best suit the needs of your family since San Antonio is such a large city, spanning miles and miles. To help you out, we’ve compiled a list of three things to consider when choosing your next neighborhood.

​4 Things San Antonio Home Buyers Should NOT Do During the Home Approval Process

To be ​approved for a home loan, you’ll need to show your lender that you (and your spouse or partner, if they’re purchasing along with you) are a safe and low-risk investment for them.  Additionally, you will want to avoid any of these major faux pas while your application is being considered.

​What San Antonio Homebuyers Should Know About the Real Estate Appraisal

Many people confuse the appraisal with the home inspection. While both of these services are designed to evaluate a property before a buyer purchases it, the two serve very different purposes.

​Texas Homestead Tax Break

If the financial burden of buying a home has you running for the hills, you might want to think again – especially if you live in Texas. As rent prices continue to rise across the nation, buying a home in San Antonio can be a more affordable option for many. And while homeownership does come with its costs, like maintenance, repairs, and taxes, it’s probably not as expensive as you might think. In fact, the state makes sure of that!  Thanks to what’s called the “Homestead Exemption,” Texas residents can catch a serious break on their property taxes – just for simply owning a home.

​What is an Interest-rate Lock?

Because mortgage rates can fluctuate often, it is important to understand what an interest rate lock is and what your options are when it comes to them.

​Tips for Choosing a Neighborhood in San Antonio

If you’re moving to San Antonio, or maybe moving within the city, it’s important to think about which neighborhood best fits you and your needs. We’ve put together a few tips for any San Antonio house hunter so that you can make the decision with confidence.

​Looking Past Sales Price When Buying a Home in San Antonio

It’s easy to focus on the price point of a home; after all, you have a budget and you’re probably trying your best to stick to it. With that being said, sometimes it’s important to look past the price tag of a home and to think about the possibility and value that it could offer.

Buying a Home in San Antonio: How to Choose the Most Important Features

The features that make up a home can easily have varying levels of importance for different home buyers. For some, a fantastic kitchen with a Viking stove is a necessity; others are more concerned about finding a big backyard for their dogs. Whatever your focus is, here’s an easy way to help you figure out the features that are most important to you.

5 Important Tips to Consider After Closing on a Your San Antonio Home

The path to purchasing a home is both exhilarating and stressful. All we want is for everything to go smoothly so that we can get the keys to that house!  But what happens after closing?  Here are some tips to help you enjoy many years of homeownership after the keys have been handed over.

insurance:Protection against specified hazards by a company that a party pays a premium to.

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

addendum:A change made to a contract after it

Choosing The Right Agent

Investing in a home is a big decision and your REALTOR should understand what you are looking for and be able to guide you efficiently through that decision making process.

How Much House Can I Afford?

Figuring out how much house you can afford takes some planning and analyzing.  There are a few factors that go into finding out the maximum amount of money you can spend on a home including income, debt, and mortgage rates.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

How Credit Scores, Down Payments, and Mortgage Rates Impact You

If you are planning on taking out a mortgage for the purchase of your home, you will want to be aware how credit scores, down payments, and mortgage rates will impact you.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

interest rate:Generally expressed as a percentage, this is the periodic charge on borrowing money.

down payment:

down payment:The portion of the value of the property the buyer pays for without the help of financing.

Scary Mistakes to Avoid When Searching for Rental Homes in SA

In order to keep you from walking into that dark house all alone, we’ve created a list of the most common rental mistakes that can end in a “scary” situation.

Scary Mistakes to Avoid When Searching for Rental Homes in SA

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

majority:The age of which a person transitions from a minor to an age where he can represent himself and handle his own affairs.

SA’s Top 10 Neighborhoods and Why They’re So Alluring

Ever wonder how your neighborhood stacks up? We’ve done the research for you: these 10 San Antonio neighborhoods have been hands-down the most popular and sought-after communities across the city.

SA’s Top 10 Neighborhoods and Why They’re So Alluring

Millennials, Avocado Toast, & the San Antonio Housing Market

It seems that, ever since the first round of millennials began peeking their heads into the perilous real estate market, they’ve gotten nothing but flack. But are excessive latte-driven spending habits the real reason this generation isn’t buying?

Millennials, Avocado Toast, & the San Antonio Housing Market

SA’s Most Popular: Why These 15 Neighborhoods Are So Hot Right Now

So you know that literally everyone is moving to San Antonio…but where is literally everyone buying? Below, we’ve outlined the Top 15 Hottest neighborhoods in the city (along with just why everyone is so obsessed).

SA’s Most Popular: Why These 15 Neighborhoods Are So Hot Right Now

11 Affordable Houses Close to SA Military Bases

So how exactly does such a large military population find affordable housing close to work? While (yes) some military members choose to live on-base, many choose to pour their hard-earned salary into equity (and a more well-developed sense of “home”). Below are a few of our favorite San Antonio homes in close proximity to these active duty epicenters.

11 Affordable Houses Close to SA Military Bases

Finding Home Base: 8 SA Neighborhoods Perfect for Military Families

Due to the highly concentrated population of active military families in San Antonio, plenty of neighborhoods and subdivisions have been built specifically with military families in mind! Here are our picks for military families looking to plant roots in San Antonio…even if only for a few years.

Finding Home Base: 8 SA Neighborhoods Perfect for Military Families

Don’t Believe Everything you Hear: 6 Myths About Buying a Home in San Antonio (Video)

You’ve heard that “expert” advice about San Antonio homes and what it’s going to take to buy one in 2017… but what part of that advice is truth and what is myth? Don’t believe everything you hear, this video will fill you in on 6 Myths floating around about buying a home in San Antonio.

Don’t Believe Everything you Hear: 6 Myths About Buying a Home in San Antonio (Video)

San Antonio’s Most Eligible Move-Up Homes

Whether you’ve outgrown the space or increased your budget, it may be time for a home upgrade. So, we’ve a curated a list of 10 of San Antonio’s most eligible move-up homes. Get ready to swoon!

San Antonio’s Most Eligible Move-Up Homes

Want a Break on Property Taxes? These San Antonio Communities May Keep More Money in Your Pocket

Taxes. Just the word alone makes some people break out in hives. But what if you didn’t have to pay these taxes? What if you could save nearly 20% per year just by carefully choosing where you buy your home? We took a look at several of the areas around and outside the city of San Antonio and compared the different tax rates. The results were somewhat surprising, showing that some neighborhoods could save their homeowners over a grand a year in taxes.

Want a Break on Property Taxes? These San Antonio Communities May Keep More Money in Your Pocket

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

What’s Your Type? Finding Your Perfect SA Home Match

Making the decision to move can be difficult…but finding a new place to call “home” can be even harder. Thankfully, we’re here to help you narrow down the options. Which type of San Antonio property fits you best?

What’s Your Type? Finding Your Perfect SA Home Match

The Hidden Costs of Houses for Rent in San Antonio, TX

Many people fear the jump into homeownership. They worry they don’t have enough for a down payment, they won’t qualify for a good rate or, what’s worse, they won’t make enough to cover their monthly mortgage costs.  And while at first, choosing to rent instead of buy may seem like a financially responsible decision, many people fail to consider all the hidden costs that come with a rental property.  Are you looking at houses for rent in San Antonio, TX? Before you go any further in your search, make sure you consider these hidden rental costs first.

The Hidden Costs of Houses for Rent in San Antonio, TX

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

insurance:Protection against specified hazards by a company that a party pays a premium to.

improvements:Additions to raw lands.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

Don’t Let Christmas Ruin Your Credit: 9 Spending Mistakes To Avoid

The holidays are almost here and, ready or not, it’s time to start preparing. While it’s great to get caught up in the joy of the holiday season, it’s important to think ahead to the New Year.  If you have big plans for 2017, you will want to avoid some common holiday spending mistakes. Read on to find out which 9 mistakes experts say you need to avoid.

Don’t Let Christmas Ruin Your Credit: 9 Spending Mistakes To Avoid

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

down payment:

down payment:The portion of the value of the property the buyer pays for without the help of financing.

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

access:The right to enter a land through public route; also may include entering the land from another private land.

Biggest Bang for your Buck: San Antonio Neighborhoods

Getting the best home value for your dollar depends on which San Antonio area neighborhood you select. But it’s not just about the price of the home that matters when you choose that perfect neighborhood.  Find out which San Antonio area neighborhoods will get you the most bang for you buck.

Biggest Bang for your Buck: San Antonio Neighborhoods

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

built-ins:Appliances or other amenities that are built into a home and are therefore permanent.

access:The right to enter a land through public route; also may include entering the land from another private land.

Fixtures, Wallpaper, and Landscaping: Ten Easy Fixes to Ignore When Searching for Your Dream Home

The house hunt is certainly exciting, and beautiful homes abound, but many homebuyers miss out on great opportunities by focusing on buying their perfect forever home “as is”. What a large number of buyers don’t realize is that many of their initial dislikes can be fixed easily. Such easy cosmetic fixes should not be deal breakers! Here’s our list of top features to ignore when searching for a new house.

Fixtures, Wallpaper, and Landscaping: Ten Easy Fixes to Ignore When Searching for Your Dream Home

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

fixtures:An item included in the sale of a property due to it being an attached extension of the property.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

6 Questions to Ask When Buying an “As-Is” Property

A classic buyer beware situation, an “as-is” property is one in which the buyer accepts it with ALL faults.  Though this is the definition of as-is in its simplest terms, knowing the definition is not enough- especially when dealing with homes. There are many probing questions that buyers will have about buying an as-is property. This article will help guide you through the questions you should be asking.

6 Questions to Ask When Buying an “As-Is” Property

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

insurance:Protection against specified hazards by a company that a party pays a premium to.

contingency:Under contract, this is an item that is contingent on the fulfillment of a specific condition

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

Here’s What You Can Get in S.A. for the “Average” Price of a Home in These 4 Major U.S. Cities

Even with growth and demand, San Antonio still manages to maintain one of the lowest average priced housing markets in the country. To get a good idea how our average housing price relates to the housing prices in other “in demand” cities, we’ve compared “average” priced houses in San Jose, Boston, Denver, and Atlanta to similarly priced homes in San Antonio. Think San Antonio is expensive? You may change your mind after you see these cities’ housing prices!

Here’s What You Can Get in S.A. for the “Average” Price of a Home in These 4 Major U.S. Cities

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

Top 7 Mistakes Rookies Make When Buying a Home

Buying a home can be scary, thrilling, and confusing if you are a rookie in the housing market.  Lucky for you we have made a list of the top 7 mistakes first-time buyers make when searching for a home so you can begin this process a little more knowledgeable and prepared for what might come.

Top 7 Mistakes Rookies Make When Buying a Home

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

Open Houses or Private Showings- Which is best?

There are quite a few differences between Open Houses and Private Showings and, surprisingly, there isn’t necessarily one better than the other. However, they are both stronger in different time frames of the home-buying process- or for different homebuyers.  Read on to find out which option is better for you.

Open Houses or Private Showings- Which is best?

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

majority:The age of which a person transitions from a minor to an age where he can represent himself and handle his own affairs.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

So You Want to Be a Landlord?

One of the more popular ways of generating passive income is by investing in property rentals. These days, it seems everyone has the same idea: invest now, pay off the loan, and coast into early retirement age with some extra funds to pay for all of those cruises in the Caribbean. Wonderful! But before you get ahead of yourself, here are some things to consider when entering the life of a landlord…

So You Want to Be a Landlord?

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

majority:The age of which a person transitions from a minor to an age where he can represent himself and handle his own affairs.

down payment:

down payment:The portion of the value of the property the buyer pays for without the help of financing.

7 Questions to Ask at Your Next Open House

Shopping for a new home can be both exciting and overwhelming.  Open houses are the prime opportunity to not only get a feel for a house and the neighborhood you have your eye on, but to ask all the questions that could make or break the decision of placing an offer. Read on to see some questions you will want to ask at the next open house you attend.

7 Questions to Ask at Your Next Open House

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

listing:A formal written contract that allows an agent to represent a party in the selling, leasing, or buying of a property.

disclosure:A statement the seller is required to provide that details the presence of any relevant information regarding a property, including the existence of lead paint or asbestos

How to Pick the Best Realtor San Antonio Has to Offer

In a city the size of San Antonio, there’s a lot of real estate to be had. To help handle all that San Antonio real estate? Thousands of Realtors that serve the area. While having all these agents in the area is a certainly a good thing for consumers (it gives buyers and sellers infinite choices in who they hire), it can also make the process a little more overwhelming for said consumer. Want to find the real estate agent most appropriate for your task at hand? Take a gander at these suggestions.

How to Pick the Best Realtor San Antonio Has to Offer

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

agency:Formed through a written contract, this is the binding trust established between sellers and buyers and their agent where an entity agrees to represent their client

Why Investing in San Antonio Real Estate is the Best Decision of the Year

Was “Invest in San Antonio real estate ASAP!” on your list of New Year’s Resolutions? If not, you might want to pencil it in. Though investing has been an increasingly tricky game in cities across the country, San Antonio’s housing market has never been stronger…and it’s only continuing to grow! Read on to find out why investing in San Antonio real estate might just be the best choice you make in 2016.

Why Investing in San Antonio Real Estate is the Best Decision of the Year

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

Browsing Homes for Sale in SATX? 7 Tips for Spotting a Great Deal

We all scope out the local real estate market from time to time.  Whether you’re actively looking to move or you’re just waiting for your dream home to hit the listings, browsing the San Antonio home market is pretty common – even if you already live here.  But spotting a great deal amongst all those listings? Well, that’s a different story.  Next time you’re scoping out homes for sale in San Antonio, be sure to heed these tips from our expert agents. You’ll be able to spot a deal from a dud in no time.

Browsing Homes for Sale in SATX? 7 Tips for Spotting a Great Deal

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

listing:A formal written contract that allows an agent to represent a party in the selling, leasing, or buying of a property.

The Ultimate Guide to Houses for Sale in San Antonio

When browsing houses for sale in a real estate market as large and diverse as San Antonio it can be overwhelming to narrow down what you’re looking for. Luckily, in the San Antonio real estate market buyers have the flexibility to choose from a variety of different housing options. With so many choices, it’s important for homebuyers to assess their needs and prioritize their “wants”. At the end of the day, you will be able to find the perfect house for you after deciding which of the following factors to value.

The Ultimate Guide to Houses for Sale in San Antonio

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

access:The right to enter a land through public route; also may include entering the land from another private land.

You Can Afford More Than You Think…How Much Money Do You Need to Make to Buy a Home in San Antonio?

If you’ve ever purchased a home, you know the process can make your emotions run the gamut. And while viewing the homes is exciting, it may be the easiest part of the process. The hardest? Finding the perfect home… and obtaining a loan for that home. But, depending on where you live and how much you make, you may be able to afford more than you think. Fortunately, in San Antonio and the surrounding areas that notion is truer than most places.

You Can Afford More Than You Think…How Much Money Do You Need to Make to Buy a Home in San Antonio?

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

interest rate:Generally expressed as a percentage, this is the periodic charge on borrowing money.

insurance:Protection against specified hazards by a company that a party pays a premium to.

down payment:

down payment:The portion of the value of the property the buyer pays for without the help of financing.

Want Better Credit?  Here’s 8 Ways To Do It

Are you considering a return to the housing market?  Maybe you want to buy your first home. If you have bad credit, either of these options can feel almost impossible. Your credit score plays an important role in determining two things: if you qualify for a loan and the interest rate you receive. If you’ve gone through some hard times in recent years, but are looking to clean up some credit chaos, here are 8 important steps to take when you begin to consider applying for a mortgage.

Want Better Credit?  Here’s 8 Ways To Do It

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

interest rate:Generally expressed as a percentage, this is the periodic charge on borrowing money.

agency:Formed through a written contract, this is the binding trust established between sellers and buyers and their agent where an entity agrees to represent their client

Where Is Everyone Buying? A Guide to the Most Popular Neighborhoods in San Antonio

The trends in San Antonio real estate don’t lie: several neighborhoods in the area are growing rapidly in popularity…and for good reason! Take a closer look at the areas with the most sales and see if any of them are right for you.

Where Is Everyone Buying? A Guide to the Most Popular Neighborhoods in San Antonio

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

built-ins:Appliances or other amenities that are built into a home and are therefore permanent.

access:The right to enter a land through public route; also may include entering the land from another private land.

The 10 Benefits of a Realtor San Antonio Buyers Can’t Live Without

When it comes to using a realtor, some San Antonio buyers have tried to go without. While at first thought, this might seem like a logical assumption, in the end most buyers end up regretting this decision. Having a pro by your side – someone who’s been through it dozens, even hundreds of times – can be hugely beneficial.  Plus, with a realtor, San Antonio buyers can enjoy a whole slew of other advantages and bonuses, too.

The 10 Benefits of a Realtor San Antonio Buyers Can’t Live Without

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

listing:A formal written contract that allows an agent to represent a party in the selling, leasing, or buying of a property.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

access:The right to enter a land through public route; also may include entering the land from another private land.

Which Is Right for You? Apartments vs Homes for Rent in San Antonio, TX

Are you looking for a lease in San Antonio? There are plenty of options to choose from! But how do you narrow it down? If you’re making the decision to lease a house or an apartment, the choice can be tricky. There are serious pros and cons of both options! How do you decide which is best for your lifestyle? Read on for a more comprehensive explanation of the difference between apartments and homes for rent in San Antonio.

Which Is Right for You? Apartments vs Homes for Rent in San Antonio, TX

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

access:The right to enter a land through public route; also may include entering the land from another private land.

Veteran Homebuyer?  Here’s Everything You Need to Know about VA Loans

If you are ready to purchase a home you be starting to think about your mortgage loan choices. While there are several different options, if you are a United States Veteran, you may want to consider a VA loan for your home purchase. If you have never heard of a VA loan you may be wondering what exactly it is.  In this blog, we cover what a VA loan is, as well as answered several common questions about VA loans.  Think you may be eligible for a VA loan? Read on to find out more!

Veteran Homebuyer?  Here’s Everything You Need to Know about VA Loans

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

interest rate:Generally expressed as a percentage, this is the periodic charge on borrowing money.

insurance:Protection against specified hazards by a company that a party pays a premium to.

guarantee:A contractual agreement to pay a debt or perform an obligation made by two parties in the event of that person

equity:The difference between the value of a property and the amount still owed on the property.

down payment:

down payment:The portion of the value of the property the buyer pays for without the help of financing.

credit history:a comprehensive record of an individual

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

appraisal:An estimated value attributed to a property by a certified appraiser.

access:The right to enter a land through public route; also may include entering the land from another private land.

9 Ways to Get a Deal in the San Antonio Seller’s Market

San Antonio’s real estate market is one of the hottest in the country…competition is fierce, and inventory is low. So how do you get a deal? How does your offer stand out among the rest? Read more for tips and tricks to snag the home you want.

9 Ways to Get a Deal in the San Antonio Seller’s Market

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

earnest money:A fee or something else of value provided at the purchase of the property in order to establish

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

Buying a Condo: What are my loan options?

Condos are popular among first-time homebuyers for several reasons, however, many buyers are uncertain about the process of buying a condo vs. a single family home when it comes to obtaining a loan.  Read on to find out the many important differences between buying a condominium and buying a single-family home.

Buying a Condo: What are my loan options?

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

insurance:Protection against specified hazards by a company that a party pays a premium to.

improvements:Additions to raw lands.

federal housing administration (fha):An agency within the US Department of Housing and Urban Development that insures private residential loans and sets standards for underwriting these loans.

default:The failure to fulfill an obligation; most frequently, the failure to pay a monthly payment.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

The Transplants: San Antonio Fine Art & Culture

If you’ve just moved to San Antonio, chances are you don’t know your way around the city just yet. What seems like common sense to a local might be totally foreign to you as a new San Antonio homeowner. In “The Transplants” series, we’ll let you in on a few of the insider tips. This blog is dedicated solely to San Antonio art and culture! From museums to music, you’ll find our favorite places to relax and find inspiration.

The Transplants: San Antonio Fine Art & Culture

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

access:The right to enter a land through public route; also may include entering the land from another private land.

8 Disclosures You Must Make: Tips for Flipping a Home in San Antonio

San Antonio investment properties offer home flippers an opportunity to turn an otherwise dilapidated house into a livable – and often luxurious – space. But when flipping a home in San Antonio, it’s important to be knowledgeable of required disclosures, as failure to disclose certain facts may result in litigation or fraud charges. Learn which disclosures are required by the state of Texas to avoid unexpected discord after the home is sold.

8 Disclosures You Must Make: Tips for Flipping a Home in San Antonio

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

litigation:The formal legal process of bringing an action to court to enforce a particular right. In real estate, litigation typically concerns income producing real estate properties as well as business centers.

listing:A formal written contract that allows an agent to represent a party in the selling, leasing, or buying of a property.

disclosure:A statement the seller is required to provide that details the presence of any relevant information regarding a property, including the existence of lead paint or asbestos

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

asbestos:A mineral fiber material that was previously used in building materials, but is now banned in most uses as a result of health concerns

7 Things San Antonio Home Buyers Need To Know

While it may seem that the home buying process looks the same across the board, the nuances of the process in different cities makes the whole experience very different! If you’re a buyer in the Alamo city, you don’t want to miss out on these must-know facts about the San Antonio real estate market. Find out about title companies, price ranges, popular neighborhoods, and more!

7 Things San Antonio Home Buyers Need To Know

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

Should I Buy a Home or Continue to Rent?

At some time in their lives, most people are going to be faced with the decision of whether they should buy a home or continue renting. Buying a home will probably be the most expensive purchase you ever make, so this decision is extremely important. The answer is not the same for everyone, nor is it quick and simple. You need to consider a combination of personal, practical, and financial factors when making this decision.  Read on for more insight into whether your should buy a home or continue to rent.

Should I Buy a Home or Continue to Rent?

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

equity:The difference between the value of a property and the amount still owed on the property.

down payment:

down payment:The portion of the value of the property the buyer pays for without the help of financing.

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

5 Sure Fire Signs Your Realtor Is a Pro

When you buy or sell a home, it is important to work with someone who knows what they are doing.  But how do you know if your Realtor is a pro? Read on to find out 5 signs that will tell you if your Realtor is a pro.

5 Sure Fire Signs Your Realtor Is a Pro

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

insurance:Protection against specified hazards by a company that a party pays a premium to.

disclosure:A statement the seller is required to provide that details the presence of any relevant information regarding a property, including the existence of lead paint or asbestos

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

How to Pick the Best Offer in a Bidding War

The San Antonio real estate market is in high demand right now.  If you are selling your home and are being forced to choose between multiple offers, you may think it is easy to simply accept the most money.  However, we have some tips for you that may help you with the process of choosing the best offer.

How to Pick the Best Offer in a Bidding War

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

market value:The price placed on a property that takes into account the estimated appraisal value as well as the market values of similar properties.

earnest money:A fee or something else of value provided at the purchase of the property in order to establish

contingency:Under contract, this is an item that is contingent on the fulfillment of a specific condition

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

appraisal:An estimated value attributed to a property by a certified appraiser.

Avoiding Pitfalls and Scams in the Home Buying Process

Becoming an informed home buyer and having professional help is the best way to avoid pitfalls and scams in the home buying process. There are, however, some pitfalls and scams in the home buying process you need to be aware of for your own protection. Read on to find out which pitfalls and scams are the most common and how to avoid them.

Avoiding Pitfalls and Scams in the Home Buying Process

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

loan application:The last step taken in submitting a home loan where the borrower is required to report basic financial information.

listing:A formal written contract that allows an agent to represent a party in the selling, leasing, or buying of a property.

interest rate:Generally expressed as a percentage, this is the periodic charge on borrowing money.

closing costs:The final costs encountered in a real estate transaction. These costs include title examination, title insurance, attorney

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

6 Tips to Get You Through Your Home Inspection

Before going through the process of a home inspection, there are a few tips you are going to want to know. KW San Antonio offers these 6 tips to help you get through your next home inspection without a hitch.

6 Tips to Get You Through Your Home Inspection

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

devise:The nature of real property by way of a will.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

7 REALTOR® Red Flags to Watch For

When it comes to buying a new home, you want to be sure that you work with a professional. You want to be sure that you’re getting your desired outcome, whether buying or selling a home, so it is important to watch out for 7 red flags that may alert you to consider finding a new REALTOR®.  Read on to find out what those 7 red flags are and how to move on if need be.

7 REALTOR® Red Flags to Watch For

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

majority:The age of which a person transitions from a minor to an age where he can represent himself and handle his own affairs.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

Home Warranties: What a Little Extra Protection Can Do For You

Moving into a new home is an exciting time for homebuyers. But what happens when all the furniture is moved in, the pictures are hung just right on the wall, and suddenly, the A/C stops working? Or worse, the hot water heater has gone out? Read on to find out how a home warranty can step in when your major systems and appliances go out.

Home Warranties: What a Little Extra Protection Can Do For You

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

insurance:Protection against specified hazards by a company that a party pays a premium to.

closing:The final, legal act of a transaction, where contracts are agreed upon and finalized, and monies are exchanged.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

8 Inside Tips for Choosing a REALTOR® You’ll Love

When looking for the right real estate agent, you have a lot of things to take into consideration! A real estate license isn’t the only qualification you should be looking for in an agent. Read this blog to discover 8 important characteristics to have in mind when choosing which agent is right for you!

8 Inside Tips for Choosing a REALTOR® You’ll Love

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

Buying a Home? The 7 Clever Tips that Might Get you a Better Price

Small details can cost you thousands. We have compiled a list of tips that could save you time and money when planning to buy a new home.

Buying a Home? The 7 Clever Tips that Might Get you a Better Price

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

insurance:Protection against specified hazards by a company that a party pays a premium to.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

7 Things a REALTOR® Can Do For You That the Internet Can’t

In a time where the Internet is the go-to place for answers, real estate remains heavily dependent on the knowledge and guidance of REALTORS®.  Many aspects of a real estate transaction prove to be complex and difficult, even for the most internet savvy home buyer or seller.  Read on to find 7 things that a REALTOR® can do for you that the Internet can’t.

7 Things a REALTOR® Can Do For You That the Internet Can’t

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

listing:A formal written contract that allows an agent to represent a party in the selling, leasing, or buying of a property.

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

breach of contract:an exercise that attempts to make a provision to a contract without a legal excuse

access:The right to enter a land through public route; also may include entering the land from another private land.

5 Ways to Get Your Offer Noticed in a Low Inventory Market

When homes are in high demand, it’s imperative that your offer stands out from a crowd. A well-made offer is key to landing your dream home, but a poor offer can end with another buyer snagging the home you have your eye on. Here are five ways to get an offer noticed when multiple offers are competing with yours.

Pre-approval:An assessment given by the lender that investigates the borrower

Mortgage:A contract that represents the debt owed by the borrower to the lender for the money borrowed to purchase a property.

earnest money:A fee or something else of value provided at the purchase of the property in order to establish

buyer:An economic downturn when buyers have the advantage.

buyer:A temporary agreement where the buyer will reside in the property before closing.

buyer:the agent that represents and guides the best wishes of the buyer in a business transaction, as either an individual agent or as a broker

attachment:When a property is legally seized in order to force the party to make up a payment or a debt

Buying A Home