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Buyer Contingency Contracts There are a few ways to buy a house before or while selling your current home. The most common way is by using a contingency contract. A contingency contract is basically a normal purchase contract, but it is contingent or dependent on the buyer selling another property, usually, it’s their current home. These contracts aren’t […]
Home Owner Do I Really Need a Lockbox? A real estate lockbox makes it easy to allow any interested real estate agent and buyers or real estate related professional to access the property. Homes with lockboxes typically get more showings and sell faster than ones that don’t. If a listing agent or a seller must rearrange their schedule to unlock a house or […]
Buyer What is a Homestead Exemption? Homestead Exemption = Saving $$ If you’ve purchased a home and it as your primary residence, then you should file for a homestead exemption with the Tom Green County Appraisal District to save money on your property taxes. Within San Angelo city limits, we are taxed on 3 things that make up our overall property taxes: County tax, City tax, […]
Home Owner Video Privacy Selling a home can be stressful. Typically, when you put your house on the market you’ve worked hard to make your house look better for strangers than you do for your own family. It can be frustrating when those strangers not only don’t make an offer on your home but then they don’t even give […]
Buyer The Final Walk Through The final walk through is done by the buyer typically right before closing to make sure that everything is as it should be in the house they are fixing to purchase. Usually, at that point, the seller is moved out or is almost moved out and the buyer can make sure the house is in […]
Seller Tips You Might Not Think About When Showing Your House Sellers can sometimes be anxious when they are putting their house on the market. Understandably so! There will be people walking in and out of their house and looking at it critically. You know all the things to do like, declutter, deep clean, make it smell nice…but here are a few others that you might […]
Buyer How Do You Build Equity In Your Home? You hear people talk about the amount of equity they have in a house, but what does equity really mean? When we’re talking about houses, equity is what the home is worth minus how much you owe on it. If you purchased a $200,000 home and put 5% down ($10,000) then you start out having […]
Buyer What is a Conventional Loan? A Conventional loan is a non-government loan that meets requirements set by the Federal Housing Finance Agency (FHFA) and meets the funding criteria of Freddie Mac and Fannie Mae. The upside of choosing a conventional loan is they offer low-interest rates to borrowers with excellent credit scores. With a conventional loan, homebuyers typically enjoy the […]
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Buyer What is a VA Loan? The VA loan program was originated and passed by the United States Congress in 1944. It is a mortgage loan created specifically for eligible military veterans, service members, and their spouses. It’s issued through private lenders but is guaranteed by the Department of Veterans Affairs (VA). It is a great program for those who qualify! […]
Buyer What is an FHA Loan? An FHA loan is a loan backed by the Federal Housing Administration. The FHA program started in the 1930s during the Great Depression when the rate of foreclosures was quickly rising. FHA loans are typically more popular with first-time homebuyers, but really, they are available to anyone who qualifies! You can only have one FHA […]
Buyer What am I Really Paying for in my Mortgage Payment? There are typically 4 main components that make up your total monthly mortgage loan payment: Principal, Interest, Taxes, and Insurance. The main part of the loan that everyone thinks about is the principal and interest. Your monthly principal is a fraction of the amount you borrowed from a lender to buy the home. The interest is […]
Buyer Does my credit score really affect getting a mortgage loan? Even though credit is only one piece of what a lender looks at, the short answer is yes! Lenders also look at employment history, income, cash on hand and debt. But since credit can be a pretty weighty factor we’re going to start there. Your credit score can be a deciding factor on whether or […]
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