Considering Buying a Home?

 One of the best ways to learn about San Antonio, and the real estate possibilities available to you, is through an experienced real estate agent. While there are some experienced real estate agents in the area, we have been selling real estate in San Antonio, Boerne, Helotes, Fair Oaks, and Leon Springs for over a combined 16 years, and since we live in the area, we've seen first hand the growth. Tell us about your real estate needs and we will show you what the area has to offer.
 
 1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
 
 2. Develop your home wish list. Then, prioritize the features on your list.
 
 3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
 
 4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
 
 5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
 
 6. Determine your mortgage qualifications. How large of mortgage do you qualify for, but most importantly how much are you comfortable with? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
 
 7. Get pre-approved. Organize all the documentation a lender will need to pre-approve you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements. We at Voss Realty are more than happy to assist you with this since it can sometimes be overwhelming.
 
 8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA/401k account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
 
 9. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
 
 10. Contact Voss Realty, then select your experienced REALTOR® who will help guide you through the entire process from start to finish.
 
 It's as easy as that, so what are you waiting on?
 
 Keywords: San Antonio Real Estate, Real Estate San Antonio, Real Estate San Antonio, San Antonio Homes, San Antonio Homes for Sale, San Antonio Tx Real Estate, REALTORS San Antonio, San Antonio REALTORS, San Antonio REALTORS, San Antonio Tx REALTORS, San Antonio Texas Real Estate, San Antonio MLS, MLS Home Search