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Avoiding Home Buying Pitfalls in San Antonio

A guide to help you have the best experience


Are you considering buying a home in San Antonio, Texas?

Congratulations, you're about to embark on an exciting journey and San Antonio is a great place to live! With that said, it's essential to be aware of the potential pitfalls that can make your home-buying experience less enjoyable. But don't worry, as experienced Realtors, We're here to help you avoid these challenges and find your dream home.

One of the biggest pitfalls for home buyers in San Antonio is not understanding the local real estate market. It's important to do your research and understand the trends and average home prices in the areas you're interested in. For example, did you know that the median home value in San Antonio is around $305,000? or that San Antonio is notorious for foundation issues? Understanding the market can help you make informed decisions and avoid overpaying for a property. Get to look at different areas, see how the traffic/ commute is, check the availability of services and shopping, etc. if you can do that yourself, ask your Realtor or look thing up on Google Maps.


This next one is one of our favorites!

Failing to get pre-approved for a mortgage before starting the home search!

Getting pre-approved is one of the biggest mistakes any home buyer can make. Without pre-approval, buyers may waste time looking at homes that are outside of their budget, which could result in them not being happy or leaving a bad taste in their mouth once they realize that they can't afford it. Alternatively, they could qualify for more and not know, and miss the chance of getting a nicer/ bigger home, and finally they could also miss out on a great property because they couldn't act quickly enough and put an offer in time. That's because pre-approval shows sellers that a buyer is serious and has the financial ability to purchase the property, which can be an advantage in a competitive market and no offer will be taken seriously without a pre-approval letter. By getting pre-approved for a mortgage, home buyers can save themselves a lot of time and frustration, and have a better chance of finding their dream home within their budget.


Another challenge for home buyers is finding the right home in a competitive market. San Antonio is a popular city with a strong real estate market, which means that homes can sell quickly, often with multiple offers. As a buyer, you need to move fast and be prepared to make a strong offer at times. A good realtor can help you stay on top of new listings and put together an attractive offer that stands out from the competition based on their understanding of what is needed.

Financing is also a significant challenge for many home buyers. Securing a mortgage can be a daunting task with a lot of paperwork, especially if you're a first-time homebuyer. It's crucial to have someone whom you trust that can explain to you the jargon, how things work and what is needed for you to qualify. Often, everyone will tell you the same points, a good credit score, low debt to income, stable job, etc but not many actually take the time to explain those things and what's the impact of each as well as how to make those points work for you.


Ask your Lender and Realtor about available programs, such as rate buy downs, 3-2-1 programs, Cash Offer programs, and down payment assistance programs, also make sure you understand the different types of loans available, which ones can work for you and which ones you could qualify for. A good Realtor with experience in San Antonio can connect you with the right mortgage professionals to help you secure the best possible financing options.

Try and avoid big names when its comes to financing, the online lenders or big banks, most of those entities, have employed staff all around the country and they may not necessary understand the San Antonio/ Texas market as well as those who are local to San Antonio, also staffed employees, unlike commission based Loan Officers, tend to not work on weekend where a lot of transactions and offers take place! Commissioned lenders tend to take better care of their clients, since they don't get paid unless their client gets to close on their home.

Focusing too much on cosmetic issues and not enough on structural or mechanical issues is another common mistake made by home buyers.

While it's important to consider the aesthetics of a home, it's equally important to look beyond the surface and assess the home's overall condition.


Neglecting to thoroughly inspect the home's structural and mechanical components, such as the foundation, roof, electrical, and plumbing systems, can result in costly repairs down the road. By hiring a reputable home inspector and taking the time to review their report, buyers can gain a clear understanding of the home's condition and avoid costly surprises after closing. It's also a good idea to ask the seller for any maintenance records or warranties that may be available, and to consider hiring a specialized inspector for any major systems, such as HVAC or the roof. By prioritizing structural and mechanical issues, home buyers can ensure that their investment is sound and will provide a safe and comfortable living environment for years to come.


Most buyers of no fault of their own, make emotional decisions when purchasing a home. This probably counts to one of the biggest mistakes a home buyer can make!

While it's natural to fall in love with a home that meets all of your wants and needs, it's important to keep a level head and approach the purchase as a business transaction. Overpaying for a home or ignoring red flags because of an emotional attachment can lead to financial strain and regret down the road. It's important for buyers to keep their budget and long-term goals in mind, and to objectively assess the home's value and potential for appreciation. By working with a trusted Realtor, buyers can gain a better understanding of the local market and make informed decisions that align with their financial and lifestyle goals.


An experienced agent can also provide valuable insights into a property's potential resale value and help buyers avoid making emotional decisions that they may later regret. which brings us to the next part, choosing your Realtor.

Choosing the right realtor is especially important. Remember a buyer's agent doesn't cost you anything, Seller's pay the agents, not the buyers. So you get all the support of the Realtor for free. Choosing the right Realtor can be tricky, everyone talks big game at first, it's important to interview your Realtor and choose them based on their experience, their quality of service and communication. (Of course it wont hurt if you also like them as people) this is one of the most important purchases of your life, you want the right team representing you.


One pit fall that many buyers forget about, especially when buying a new build, is that having a good Realtor representing you will not only help you find the perfect home based on your needs and budget regardless whether it's a new build or preowned, they will also protect your interests, negotiate on your behalf, get your offers and promotions you may have not known about or received, as well as provide you with valuable information about the neighborhoods you're interested in, such as schools, amenities, and crime rates, answer all your questions and will be available whenever you need them.


The best and most experience Realtors will have access to off-market properties, giving you an advantage over other buyers, they will be very skilled negotiators and get you the best deal possible, and guide you through the entire process, from viewing properties to closing the deal.


Working with the right Realtor can make all the difference in your home buying experience, ensuring that you find the right home at the right price.

Here are some questions to ask your Realtor when interviewing:

  1. How long have you been working as a Realtor?

  2. What is your experience with the type of property I am interested in?

  3. How do you determine what properties to show me?

  4. How familiar are you with the areas I am interested in?

  5. What is your approach to negotiating a purchase?

  6. Do you work with other professionals, such as mortgage brokers or home inspectors?

  7. How often will you communicate with me during the buying process?

  8. How will you make sure my interests are protected throughout the buying process?

  9. Tell me about your Broker and why you chose to work for them?

  10. Can you provide me with references from past clients?

In conclusion, buying a home in San Antonio is an exciting opportunity and should be an amazing experience, but it's essential to be aware of the potential pitfalls and challenges that may arise.


As experienced Realtors, we're here to help you overcome these obstacles and find your dream home. Don't go at it alone. Navigating the home-buying process can be overwhelming, with many legal and logistical requirements to manage. Hiring a Realtor can help you avoid all these pitfalls and ensure you get the best experience possible. Good realtors have the right connections and resources to connect you with the right people and find solutions to your problems. From connecting you with the right mortgage lenders to recommending reputable home inspectors, they can guide you through the process and help you make informed decisions.


Gabriel and Kristina

The Zachary Team and San Antonio's REALTOR® Couple

210-504-5301


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