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Fed Interest Rate Cuts: What Does It Really Mean for the 2024 Real Estate Market?
Discover what the Fed's interest rate cut means for San Antonio's housing market & how to navigate the changes in 2024!
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LET'S BUY A NEW HOME
WE'RE SO EXCITED
How wonderful! We are absolutely thrilled that you've decided to embark on the exciting journey of buying a home!
We wholeheartedly believe in the power of home ownership and the profound fulfillment it brings to individuals and families.
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Our passion lies in providing a white glove, seamless, and stress-free home-buying experience, tailored specifically to your needs and desires. With our unwavering commitment, expertise, and extensive knowledge of the local market, we are here to guide you every step of the way. We strive to give you the best of the best, which is why we have composed a step-by-step guide that organizes the buying process, making it simple and fun.
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On our exclusive Buyer's Page, you will discover a treasure trove of invaluable resources. Take a moment to explore our featured listings, showcasing remarkable properties just waiting to be called "home." Additionally, you will find a plethora of informative articles meticulously crafted to equip you with the knowledge and confidence necessary to navigate the buying process effortlessly.
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Rest assured, your dream home is within reach, and we are fully devoted to helping you discover it. Don't hesitate to commence your search today or reach out to us for personalized assistance.
Together, let's embark on this incredible journey and transform your vision of home ownership into a glorious reality.
Here's to the joy and fulfillment that awaits you on this remarkable path!
OUR PROMISE TO YOU
We promise to deliver an exceptional home-buying experience when you choose us as your trusted Realtors. With personalized guidance, expert market knowledge, and a commitment to a seamless process, we ensure that your journey toward homeownership is smooth and stress-free.
We leverage our strong negotiation skills, an extensive network of trusted professionals, and ongoing support to protect your interests and provide you with the best possible outcome.
Your satisfaction is our top priority, and we are dedicated to making your real estate goals a reality. Trust us to be your partners in this exciting endeavor, and let us guide you every step of the way.
HOME BUYING PROCESS
Below is the general six-step process for a home purchase.
For more information, please read this article or get in touch
PRE APPROVAL
HOME
SEARCH
SUBMIT AN
OFFER
MOVE
IN
CLOSE ON
PROPERTY
SCHEDULE
INSPECTION
FINANCING
Unless you're planning to purchase the property outright with cash, financing will be necessary. Fortunately, there's a wide array of loan options and programs available to assist you in this process, including FHA, VA, and Conventional loans, among others. Additionally, programs such as the Down Payment Assistance Program and considerations like Fixed Rate Vs. Adjustable Rate (ARMs) can significantly impact your financing choices.
Familiarizing yourself with these various types and options is essential. We highly recommend consulting with a trusted lender who can expertly guide you through the intricacies of each option.
Below, we've provided an overview of some of the most common types of loans to help you get started.
CONVENTIONAL
Conventional loans are a popular choice for many homebuyers with good amount of savings and good credit score. These loans typically require a down payment of at least 3% to 20% of the home's purchase price and are offered by private lenders. These loans do not require Mortgage Insurance.
USDA
Issued by the U.S. Department of Agriculture, USDA loans are designed to help homebuyers in rural and suburban areas. They offer low-interest rates and require no down payment for eligible properties. This type of loan is not just for rural areas or farms, check if the home you're interested in qualifies Here
FHA
Backed by the Federal Housing Administration, FHA loans are designed to help first-time homebuyers and those with less-than-perfect credit. They often require a lower down payment of anywhere from 0% and have more flexible qualification criteria.
JUMBO
If you're purchasing a high-value property that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, you may need a jumbo loan. These loans are available for larger loan amounts but typically require higher credit scores and larger down payments.
VA
Available to eligible veterans, active-duty service members, and surviving spouses, VA loans offer competitive interest rates and require no down payment in most cases. They are guaranteed by the Department of Veterans Affairs.
MEET OUR PREFERRED LENDERS
When it comes to financing your new home, you can choose anyone to work with but working with the right lender can make or break your purchase!
More than 80% of home buyers finance their purchase through a lender or a bank, and since we care about your experience and always want to work with the best to ensure that you get the best experience, we're happy to recommend the below lenders as our top local lenders here in San Antonio
FEATURED LISTINGS
LEARN MORE ABOUT HOME BUYING
CALCULATE YOUR MORTGAGE
Curious about how much your monthly mortgage payments might be? Try out our handy mortgage calculator!
Simply click the button below to access the calculator and input some basic details about your prospective home purchase, such as the purchase price, down payment amount, interest rate, and loan term. Our user-friendly tool will then provide you with an estimate of your monthly mortgage payments. It's a great way to get a sense of your potential financial commitment and plan accordingly.
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