Buyers 2017-06-27T01:57:11+00:00

Looking to Buy a Home in San Antonio? 

Are you willing, able & ready to take that next step?

Buying a home is part your finances, part of your determination and willingness to find a nice home suitable for you and/or your family and lastly your attitude. To sum it up, you must be Willing, Able and Ready to buy. There are also other home buying options, if financing could be a issue such as: rent to own home and owner financing. Contact Ray McCurty and he will guide you.

  • Willing– to put in the effort it takes to preview homes when one that meets your criteria is available.
  • Able– to have you finances in order to be able to afford a home and the buying fees that come with it.
  • Ready– to have your life change for the better. Nothing feels better than owning your own piece of real estate and knowing at the end of day you are buying it and not paying someone else’s mortgage.

When buying I want to say this as loud as possible so excuse the all caps. “YOU DO NOT HAVE TO HAVE PERFECT CREDIT TO BUY A HOUSE”. This is a must know, so you don’t prejudge yourself. Most people disqualify themselves before letting a professional help them. I am here to help you because I care about each client.

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Rent to Own Home

Rent to own home is another way to go from renter to homeowner fast in San Antonio Texas. It is one of the most creative home finance alternatives if you have bad or no credit. Renters who want to buy but are not currently able to buy may be able to secure a home they want to own in the future by renting it first. This option is favored by a lot of owners and property managers, because it attracts good tenants.

Rent to own home is exactly what it sounds like – the renting tenants sign an agreement with a landlord or company stating that they can buy the property at the end of a prearranged time period at a set price.

Issues that are addressed in the rent to own home agreement are as follows:

  • Down payment: There may be an earnest money deposit required. This is money held by a title company & kept in escrow until the option to buy is exercised.
  • Purchase price: The purchase price is set according to today’s market, not in the future when the option to buy is exercised.
  • Legal title: The tenant becomes a purchaser only upon exercise of the option to buy. This means the title will remain in the owner’s name until the landlord-tenant relationship ceases and the option becomes an absolute and binding contract of sale.

There are benefits for both sides in this type of transaction. The homeowner continues to receive rental income and gets to have the income tax deductions as long as they own the home. For the buyers, who will be the ones doing the rent to own home program they get more time to qualify for mortgage financing and depending on the agreement, receive a portion of the money paid as rent reflected toward the home sales price. Not to mention the joy of knowing soon the home will be theirs.

If interested in this type of alternative home ownership, please contact me so we can discuss it further. I will be happy to answer any questions you have about a rent to own home program and will be able to help you throughout the process.

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Rent to own home,San Antonio Area Realtor Cost to buy a home

Upfront Costs To Buying a Home

Only an example with the minimums:

  • $500 earnest money
  • $100 Option Fee
  • $400 home inspection and termite fee
  • $400 appraisal fee
  • The down payment amount varies from 0% if going with a VA or USDA home loan with a minimum 3.5% of the house price for a FHA loan and 5% for the conventional loan.
Rent to own home,San Antonio Area Realtor Cost to buy a home

Upfront Costs To Buying a Home

Only an example with the minimums:

  • $500 earnest money
  • $100 Option Fee 
  • $400 home inspection/termite fee
  • $400 appraisal fee
  • The down payment amount varies from 0% if going with a VA or USDA home loan with a minimum 3.5% of the house price for a FHA loan and 5% for the conventional loan.

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Warren Buffett, chairman and CEO, Berkshire Hathaway Inc.

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