First Time Buyers' Resources

​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.

Is the Timing Right?

Home Ownership is a big decision that requires careful thought from anyone- especially a first time buyer.  If you are a first time buyer, these are some indicators that can clarify if the timing is right for you.

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.

First Time Home Buyer Basics

Buying a home for the first time can be a thrilling and nerve-racking experience.  When it comes to finding a home and the buying process, the experienced REALTORS at KW are here to make sure your home buying experience goes smoothly.

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

San Antonio Home Renting vs. Owning

Deciding whether to rent a home or buy a home often brings up the question of what the pros and cons are to homeownership vs. renting. Comparing the two may help you decide if buying a home is right for you, and you may be surprised at the comparisons!

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

Home Buying Timeline

There are multiple steps in the home buying process, and the more of them you are aware of, the smoother the process will be.

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.

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

10 SA Homes For Rent That are Cheaper than a Flight to Australia

What are you paying for rent in San Antonio? Because a month’s worth of South Texas bliss could cost you even less than a plane ticket to The Outback…

10 SA Homes For Rent That are Cheaper than a Flight to Australia

A Field Guide to San Antonio’s “Edgiest” Neighborhoods

While many might see a single, sprawling mega-neighborhood, these “edgy” San Antonio communities are as distinct and diverse as the residents that call them home!

A Field Guide to San Antonio’s “Edgiest” Neighborhoods

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

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)

Transportation 101 For Homebuyers Moving to San Antonio

San Antonio spreads far and wide, literally covering a lot of ground. Whether you’re looking to save money or reduce your carbon footprint, we’ve put together a few transportation options for you to check out!

Transportation 101 For Homebuyers Moving to San Antonio

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 5 Best San Antonio Neighborhoods for First Time Home Buyers

For first-time buyers, the San Antonio real estate scene might be slightly overwhelming. Big cities offer a lot of options…but which neighborhood is best suited to you and your family? What areas promise the growth and sustainability necessary for such a long-term investment? We’ve put together a list of neighborhoods that you won’t want to miss when looking for your first home!

The 5 Best San Antonio Neighborhoods for First Time Home Buyers

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.

improvements:Additions to raw lands.

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

​14 San Antonio Starter Homes that Probably Cost Less Than Your Rent

What can a first-time buyer expect to pay each month for starter homes in San Antonio? Well, while the payments can differ as much as the neighborhoods around San Antonio, we’d like to give you a glimpse. Without further adieu, here are San Antonio’s most eligible starter homes (broken down by neighborhood), complete with an estimated monthly mortgage payment. And if you aren’t quite ready to mow your own yard yet, no worries, we’ve included some condos just for you. Take a look and compare the estimated mortgage payment to your rent- you may be surprised at the difference.

​14 San Antonio Starter Homes that Probably Cost Less Than Your 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.

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

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

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

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

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

San Antonio: Where Millennials Can Actually Afford Their First Home

Millennials are arguably the most unpredictable generation in regards to real estate purchases, and though the reasons vary as to why, one thing we know is where this generation is wanting to live. Urban living has become a HUGE draw to this generation, and as a result city centers and urban areas are being redeveloped and have become quite the hot spots. But what can you get in these millennial hot spots for a “millennial price”?  We take a look in this blog.

San Antonio: Where Millennials Can Actually Afford Their First 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.

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.

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

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

6 Big Reasons the Tiny House Movement is on the Rise

Leonardo Da Vinci once said, “Small rooms or dwellings discipline the mind, large ones weaken it.” Do you agree? Owners of tiny houses certainly do! The Tiny House Movement, created by homeowners residing in less than 400 square feet, has been capturing the attention of people all over the world. Read this blog to find out why…and discover 5 of San Antonio’s cutest little homes!

6 Big Reasons the Tiny House Movement is on the Rise

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.

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

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.

Helotes, TX Real Estate Makes for the Perfect Starter Home

Located just northeast of San Antonio, Helotes is a quaint, tightly-knit community with loads to offer. With loads of available land, sprawling Hill Country views, and affordable, quality real estate, it’s a dream for those who are just getting started. Are you looking for your family’s starter home? Here’s why Helotes, TX real estate is your answer.

Helotes, TX Real Estate Makes for the Perfect Starter 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.

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

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

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.

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.

Hidden Gems: 7 Gorgeous San Antonio Homes You Can Actually Afford

You don’t have to spend a fortune to enjoy quality living in San Antonio. At Keller Williams San Antonio, we have plenty of listings that offer all the amenities you would expect in a luxury property, but without the high price tag. Here are seven properties within the average San Antonio budget from our current listings:

Hidden Gems: 7 Gorgeous San Antonio Homes You Can Actually Afford

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.

9 Facts About Homes for Sale in SA That Will Impress Your Friends

With all the homes on the market in San Antonio, it’s easy to only look at those in your price range.  But do you know what else is out there?  Even if you aren’t looking for a home right now, these nine facts about the homes that are currently on the market are sure to impress!

9 Facts About Homes for Sale in SA That Will Impress Your Friends

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.

landmark:A very observable and obvious land formation that is used as a reference point for the boundaries of lands.

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

6 Secrets to Finding the Best Houses for Rent in San Antonio, TX

Are you thinking about renting a house in San Antonio? Whether you’ve just moved to the Alamo City or you’re an established local, searching for the ideal rental property can feel like an almost impossible task. Read our latest blog for some tips and tricks to save time, money, and effort on your search for a rental home!

6 Secrets to Finding the Best 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.

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

credit report:An analysis of an individual

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

When You Don’t Want To Buy a House: A Look at San Antonio Condos & Town Homes

More and more San Antonio residents are moving from renting to buying a home. But what if you want to own your own space, but aren’t quite ready to commit to a white picket fence and backyard? What if you love the size of your apartment, but don’t want to deal with the hassle of a landlord? A town home or condominium may be just what you’re looking for. Read more for an inside look at smaller spaces, from luxury to modest!

When You Don’t Want To Buy a House: A Look at San Antonio Condos & Town Homes

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.

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

Get a “Home in One” with these Beautiful Golf Course Listings

Take a look at these beautiful golf course homes and see if living on the edge could be for you!

Get a “Home in One” with these Beautiful Golf Course Listings

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.

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.

Transplant’s Guide to San Antonio: Nightlife Edition

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 article is dedicated solely to San Antonio nightlife! Find out where the locals like to go after-hours…whether for a relaxed night with friends or an evening of dancing.

Transplant’s Guide to San Antonio: Nightlife Edition

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.

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

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

The 6 Types of Millennials & The Neighborhoods That May Appeal to Them

Do you think all Millennials are the same? You’d be wrong! A recent study has identified 6 distinct groups of Millennials. Read more to see how this generation is divided and what kind of San Antonio neighborhoods fit each group!

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 San Antonio Real Estate: The Role of the Title Company

While many states use an attorney to convey titles at a closing, Texas is one of 19 states that does not. In Texas, when real estate is bought, a title company is used. Read on to understand what the role of a title company is and why, while researching a title sounds simple enough, there is a lot more involved than one would expect.

Buying San Antonio Real Estate: The Role of the Title Company

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.

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

deed:A document that provides evidence in written form of the owner of a property. Deeds can be transferred between parties.

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

chain of title:A full, chronological list of recorded documents that affect the title 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

San Antonio Real Estate Spotlight: River Crossing Retreat

San Antonio homebuyers are not just restricted to the city limits.  This home, right outside the city in Spring Branch, features Hill Country views with the convenience of city living, all within a remarkable, upscale golf-course community. Learn about the technology used to market to this home as well as one of a kind features it presents.

San Antonio Real Estate Spotlight: River Crossing Retreat

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.

Communities with New Homes in SA That Need To Be On Your Radar

Are you interested in a custom new home without all the hassle? Master planned communities often partner with home building companies to provide you with the best of both worlds. They’ll will walk you through the process and handle the pesky details. Several neighborhoods in San Antonio are featuring new communities, and we’ve found a few that we think top the list.

Communities with New Homes in SA That Need To Be On Your Radar

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.

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 home in San Antonio: Where do I start?

Whether you are a first time home buyer, or it’s been awhile since your last home purchase, one of the most frequently asked questions in real estate is, “Where do I begin?”
Read on to find out why you may want to do a little more than perusing pictures of homes before you fall head over heels with the next home of your dreams. 

Buying a home in San Antonio: Where do I start?

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 Lenders: Not All Are Created Equal

From large banking institutions to local “in-house” lenders, not all mortgage entities are created equal.  Because in today’s world name recognition in lending goes a long way, many homebuyers tend to skip over “the small guy”.  Unfortunately, this can be a huge mistake in the buying process!  Often times, that small guy offers many advantages that you may not find elsewhere.

Mortgage Lenders: Not All Are Created Equal

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.

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

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

5 Reasons to Buy a Home in San Antonio

San Antonio has been called a “city on the rise”, known for an excellent economic climate and an affordable lifestyle. But there is more to living in San Antonio than working and spending money.  Here are 5 reasons that may compel you to buy a home in San Antonio.

5 Reasons 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.

The Military Home Search: Randolph AFB

In this series, we’ll take a look at the best places to buy or rent a home near your base. This week’s focus is Randolph AFB, located on the northeast side of San Antonio.

The Military Home Search: Randolph AFB

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 5 Reasons to Buy a Home During the Winter

Though cold weather, the holidays, and other winter stresses can deter people from buying a home, for those that can handle it, winter can provide home buying bargains. Read on to find out the top 5 benefits to buying a home during the winter.

Top 5 Reasons to Buy a Home During the Winter

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.

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

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.

Neighborhood Spotlight: Inverness

While still a young neighborhood, Inverness is making a name for itself within luxury real estate.  Read how Inverness has demonstrated that luxury living is something that can easily be achieved within its gates.

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.

deed restrictions:Limitations written onto the deed which restrict the uses of the purchased property.

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

6 Tips for First Time San Antonio Home Buyers

So you’re ready to embark on your first home-buying journey! While this is an exciting experience, it can quickly be tainted by any number of avoidable mistakes. This article lists the sage advice of home buyers who have gone before 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.

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

Navigating Your Way Through a Showing: 6 Tips For Buyers

While walking through a home to see if you like it seems like a piece a cake, an experienced buyer knows that there are several things to look for during the showing.  Here are 6 must-do’s while touring the home that may be your next purchase.

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.

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

Top Reasons to Live in the Alamo Heights Neighborhood

Alamo Heights is a premiere neighborhood in San Antonio with great restaurants, top-rated public schools, close proximity to downtown, and countless other amenities.  We’ve taken all these points into consideration and ranked them in order to come up with the top five reasons to live in Alamo Heights.

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.

San Antonio’s Most Dog Friendly Neighborhoods

Which area of the Alamo City has the most dog parks?  What about dog friendly restaurants?  Dog owners will be delighted to learn that San Antonio has plenty of dog-friendly parks, trails, and boutiques that make living and playing with your dog a treat.

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.

Naturally Luxurious San Antonio Neighborhoods

In a city that is continuing to grow and expand at an exciting rate, a home with views of the untouched hill country is increasingly valuable. See which neighborhoods in San Antonio provide naturally luxurious properties.

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.

Buying A Home