The American Dream

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The American Dream

One thing we all share as humans is the need for shelter. Shelter to offer security for ourselves and our families. One of the best ways to give shelter, freedom and security is to buy a house. It is the American Dream to own a house to truly call home.

So how do you go from being a renter to a homeowner?

I am sure you have read about the advantages of buying a house vs renting section under the renter’s page, but how exactly do you go about the process. It’s actually quite simple.

The process starts with speaking with a licensed Realtor like me, Realtor Ray McCurty of SanAntonioAreaRealtor.com

Why? Because I know what questions to ask to help you navigate the journey so you make the right choice. Not everyone who buys a home understands the process. Many just go through the motions; however, it is very important to know the road you are about to travel. I have been down this road many times with people so you are in good hands when you work with me.

Here are the top TWO questions from home buyers (first-timers & those who haven’t bought in a while).

For Sale

317 Saint Charles, San Antonio TX 78202

Home Features

Completely renovated 3 bedroom 2 bathroom minutes away from downtown! This home’s updates feature new electrical, plumbing, roof and foundation. Hardwood & tile flooring throughout the entire home, and the kitchen boasts beautiful quartz countertops and stainless slate appliance package, including refrigerator. Spray foam insulation in attic, Nestsmart thermostat, custom walk-in closet & 8ft all wood doors. New concrete driveway along with landscaped front/backyard.

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For Rent

2814 GoldSmith ST, San Antonio TX 78203

Home Features

Nice Single Story Home In A Great Location!!! Close To Downtown, AT&T Center, I-10, 410 & 281.

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For Sale

620 New Braunfels Ave, San Antonio  TX 78202

Home Features

COMPLETELY NEWLY REMODELED ONE-STORY HOME on Large Corner Lot!! located outside of the Dignowity Historic District; only 10 Minutes from downtown San Antonio, IH-35, & Fort Sam Houston Military Base. **Interior boosts Original Hardwood Floors, LED lighting, New STAINLESS STEEL Appliances, Central AC/Heat, Original Wood Windows, & Ceiling Fans in all Bedrooms! 6 ft Privacy Fence, New Wood Deck, and Car Port** Potential for AIR BNB or Commercial Property. This Home is an Investors Dream and a MUST SEE!

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For Rent

215 Center ST, San Antonio  TX 78202

Home Features

This 3 bedroom unit is one of only 5 or 6 in the entire building. Very desirable location, just east of downtown, with great view of downtown. 24 hour security and concierge service. Unit comes with 3 reserved covered parking spaces. Tenant pays electricity & water. Sec. Dep & App Fee required with application. No cash or personal checks. Rental Applications will be placed in the property & in MLS under additional information. Prospective tenants must use our applications.

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For Sale

 16845 Blanco Rd Ste 101, San Antonio TX 78232

Home Features

Beautiful remodel close to downtown. This gorgeous 3 bedroom 2 bath home is located minutes away from downtown and has an amazing view of The Tower of the Americas. This lovely home features laminate wood and ceramic tile throughout, new windows, gorgeous remodeled bathrooms with tile showers, upgraded kitchen, HVAC system was installed. This home has been completely remodeled! Huge backyard, perfect for family cookouts and gathering so.

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For Rent

715 Paso Hondo St, San Antonio  TX 78202

Home Features

MOVE IN QUICKLY! SECURITY DEPOSIT $1200*FANTASTIC HOME*3 BEDROOMS, 1 BATH NEAR SHOPPING*GREAT SIZE LIVING ROOM*SPACIOUS KITCHEN W/ REFRIGERATOR*CARPET*CERAMIC TILE & WOOD THROUGHOUT ENTIRE UNIT*BACKYARD HAS CHAINLINK FENCE & MATURE TREE* NEW AC WINDOW UNITS WILL BE INSTALLED UPON MOVE IN*

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How long does it take to buy a house?

The quick answer is 35-45 days on average when you finance the purchase of the home with a mortgage lender. If you are paying cash, and yes people do buy houses with all cash, the time frame if closer to 2-3 weeks. The length of time to purchase a home is based on all parties coming together and doing their role to keep the process on track. If there are issues with the house like needed repairs or a delay from the appraiser, then the time to close on a house can be 60 days or more.

How much money do I need to buy a house?

The least amount you should have available to buy a house is $1500-$2000. This is enough to cover the earnest money, option fee, inspection and the appraisal.

Closing cost like home insurance, property taxes, title insurance, loan origination fee etc. are estimated to be 3% to 3.5% of the total loan amount. These fees are often paid in full or partially on behalf of the buyer by the seller or a homeownership programs like San Antonio housing incentive program called HIP. This is special since a lot of first time home owners do not have a lot of money to cover the closing cost.

The down payment on a house depends on the type of loan you are using to purchase the home. It will be zero down payment if using a VA loan or a USDA loan. If you are going with a FHA loan, then the down payment is 3.5% of the loan balance. For a Conventional loan the down payment can be as low as 5% when you meet the lender’s standards for a conventional mortgage.

In conclusion, you can see it does not take a big source of money to buy a house in San Antonio. If you are working full-time, have $1500-$2000 and a minimal credit score of 580 you are a good candidate to buy a house. Let’s discuss your situation and see how I can help you become a home owner.

You can read more on the subject here on my blog First Time Home Buying Fears to find answers to more of your concerns. I am always available to talk and meet with potential clients.

Contact me  if you are looking for a Realtor to help you BUY or Sell a home in San Antonio Texas, Windcrest or surrounding areas.

(Please reply to this blog post under comments if you have any thoughts to add to the discussion.)

By | 2017-05-09T16:10:02+00:00 May 9th, 2017|First-Time buyer|0 Comments

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