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Everything You Need to Know for Successful Homeownership in San Antonio, Texas
Congratulations on Your New Home!
We are so excited for you as you embark on this new chapter as a homeowner in beautiful San Antonio, Texas! Owning a home is a significant achievement, and we’re honored to have been a part of your journey. As your trusted REALTORS® for life, we're here to provide ongoing support, not just through the buying process but as a continued resource for you and your family.
Below, you’ll find crucial information and practical advice to help you thrive as a homeowner in San Antonio. Let’s dive in!
Key Responsibilities for San Antonio Homeowners
1. Paying Your Property Taxes
In Texas, property taxes are due annually and are a major source of funding for local services, including schools and public safety. Depending on your financing, taxes may be included in your mortgage payment or paid directly by you. To avoid penalties, make sure you pay your taxes on time and explore any available exemptions.
2. File Your Homestead Exemption
The Homestead Exemption can reduce your property taxes if this is your primary residence. You need to apply through the Bexar County Appraisal District. Filing is free and can save you thousands over time. You can also file back up to 2 years . For more information on the Homestead Exemption, read this article.
📌 Pro Tip: File your exemption before April 30th to get the full benefit for the tax year.
🔧 Maintenance & Safety Tips for San Antonio Homes
1. Prepare for Freezing Weather
While San Antonio rarely sees snow, winter freezes can occur. Protect your home by:
Wrapping outdoor pipes and spigots.
Dripping faucets to prevent pipe bursts.
Keeping the thermostat consistent to avoid freezing indoor pipes.
2. Home Maintenance Checklist
Regular maintenance helps you avoid costly repairs. Here's a quick list of tasks to stay on top of:
Monthly:
Replace HVAC filters.
Check fire extinguishers and smoke alarms.
Seasonally:
Clean gutters.
Service your HVAC system (before summer and winter).
Inspect your roof for damage.
Annually:
Flush the water heater to remove sediment.
Schedule a termite and pest inspection.
3. Start a Home Maintenance Savings Account
Set aside funds each month for unexpected repairs or home improvements. Aim to save 1% of your home's value annually for maintenance costs.
🛡️ Protecting Your Investment
1. Review Your Homeowner’s Insurance
Annually review your policy to ensure you have adequate coverage. Make sure your policy aligns with your home’s current value and any recent upgrades.
2. Consider a Home Warranty
A home warranty can cover major systems and appliances. If you purchased a warranty, make sure to review its coverage and keep contact information handy for quick repairs.
📈 Keep Track of Your Home’s Value
Quarterly Home Value Reports
We’ll provide you with quarterly updates on your home’s market value. These reports are useful for:
Monitoring your investment’s growth.
Ensuring adequate insurance coverage.
Helping you decide when to refinance or sell.
💡 Important Legal and Financial Tips
1. Avoid Late Mortgage Payments
Stay on top of your mortgage payments to avoid fees and credit issues. Set up automatic payments if possible, and always communicate with your lender if you encounter financial difficulties. Remember, they'll work with you, Lenders don't want your home; they want your money.
2. Refinancing Opportunities
Keep an eye on interest rates. If rates drop below your current rate, refinancing could reduce your monthly payments or shorten your loan term.
3. Understanding Tenant’s Rights
If you plan to rent out your property or host long-term guests, familiarize yourself with Texas tenant laws to avoid potential legal issues.
🚪 Your Go-To Resource for San Antonio Living
We know that owning a home involves more than just paying the mortgage. Whether you need recommendations for contractors, handymen, or service providers, or if you have questions about home maintenance, real estate investments, or financial education, we are here to help!
📞 Contact Us Anytime: We’re only a call or text away. Need a trusted service provider? Curious about your home’s current value? Just reach out—we’ve got you covered!
🤝 Stay Connected & Spread the Word!
We hope you enjoy your new home to the fullest!
Gabriel & Kristina Zachary
The Zachary Team | REALTORS®
📞 210-504-5301
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