Category Archives: Rentals

How Veterans and First-Time Home Buyers can find the best Home Loan in Texas

mortgage options fha va 203k arrowsDID YOU KNOW you have options when applying for a home loan?

DID YOU KNOW most big banks and credit unions DO NOT offer FHA, VA, Texas Vet and/or USDA loans? What are all those acronyms, you ask? They’re your link to zero-down or low down payment loans for Veterans, First-Time Home Buyers, and/or Buyers who haven’t purchased a home in the past 36 months.

It’s already a little confusing, right? That’s why you want to speak with someone who works with mortgage banks and mortgage brokers EVERY DAY. Just because a TV ad sounds appealing, or a local credit union swears on their service, don’t feel like it’s your only option.

It’s okay to apply with your financial institution if you’re curious about qualifying. But go to a trusted source for a second or third opinion. You’ll be surprised at the different options, the difference in the cash needed to close, and the difference in FEES, FEES, FEES!

LOOKING FOR GUIDANCE?
NEED SOME DIRECTION?

Call/Text/Email us. We’ll help you find the BEST loan for your BUCK!

We work for Y-O-U.
~Agent Val

***

Val-A-Homes

Val J Aranda, REALTOR® & Certified Home Marketing Specialist

“Coaching Texas Home Buyers and Sellers”

Metro Realty Logo

4007 McCullough Ave, Suite #477
San Antonio, TX 78212 | Call/Text Val: 210-378-5987

The advice and opinions expressed on AgentVal.com are the sole opinions and advice offered by Val J Aranda, Metro Realty. This is not intended to solicit business from consumers under a Buyer/Broker agreement with another Real Estate Firm.

WHICH WEBSITE IS THE BEST AND MOST ACCURATE FOR LOCAL HOME SEARCHES?

In short, there are NO PUBLIC SITES who can publish listings in real-time. Real-time listings are limited to REALTORS® who are members of their local Board and who are subscribed to the Board’s Multiple Listing Service (MLS).

The closest to “real-time” you can get today is from REALTOR.com. REALTOR.com updates every 15 minutes. All other public websites update so sporadically that it’s difficult to know what’s current. Some sites are even known to throw in some OLD & SOLD listings just to generate business. So, be careful where you register your personal information.

For THE MOST CURRENT listing data, you can rely on your REALTOR®. Not only do we have access to the Multiple Listing Service (MLS), but we can and will contact listing agents for the most updated listing status, current offer situation, and/or showing availability.

REAL TIME LISTINGS.jpg


REAL-TIME LISTINGS FOR CLIENTS COMING SOON!

If you are a customer or client of Val J Aranda, Metro Realty, and would like REAL-TIME LISTINGS when they come available, please submit the form below. Your information will be kept confidential. NO WORRIES – NO SPAM!

Five ideas that can dramatically improve your living room

wet bar stagedCan’t seem to create a living room that feels quite right? Looking for some styling tips that will bring your living room up a notch? Here are five ideas that can dramatically improve your living room.

 

  1. Move the furniture away from the walls: The tendency is to place your furniture against the walls, but giving it a little room to breathe will make the seating area seem cozier while also making the room seem more spacious.
  2. Mix old and new pieces: Using the same furniture set to furnish an entire room can make it seem a bit sterile. Try mixing and matching different pieces and styles to give your living room a more eclectic feel.
  3. Keep everything low: Arranging photos and artwork lower on walls will make a room appear larger, and can also draw more attention to the pieces themselves.
  4. Place a bookshelf behind the sofa: It doesn’t have to be your entire personal library. Mix and match books with knick-knacks and other items to add some depth and texture to the space behind your sofa.
  5. Try a smaller coffee table: Your current coffee table is probably larger than it needs to be, and it may be dominating the room. Try downsizing to a table that can still hold magazines, a centerpiece, and a few drinks, but will also give you a bit more room to move around your furniture.

fam room

These are all great tips for staging a living area, too!
~Agent Val

The hard truth about Renting versus Buying

rent-vs-own for fluffy

I recently had a conversation with a very intelligent young man who was SO convinced that renting was better than buying, his “wall” of judgement was too thick to penetrate. He wanted to “be convinced” otherwise. Look… there’s no other way to put it:

– a recent buyer-client moved into his new home around Christmas 2009
– mortgage payment:  roughly $1100/mo
– by late 2013 the home owner had about $15,000 in equity

Example:
Purchase Price December 2009:  $125,000
Market Value December 2013:  $140,000
Equity (profit):  $15,000

– mid-2014 his equity has jumped to about $25,000

Example:
Purchase Price December 2009:  $125,000
Today’s Market Value (July 2014):  $150,000
Equity:  $25,000

RESULTS – the renter versus the buyer:

– Ownership: $25,000 PROFIT accrued in 55 months (approx.)
– Renter: Just LOST $1100/month for 55 months totaling $60,500 (and that’s not taking rent increases into consideration after every lease renewal)

What do you think? Rent or buy?

No matter how you slice it, owning real estate can be much more profitable than playing the stock market. Where else can you get a +/-20.00% rate of return in less than 5 years?

THE TRUTH
I can’t guarantee these results with everyone, but I can stand by the value of real estate. The longer you own it, the more value it can have. Afraid of commitment? I’d be more concerned about never seeing $60,500 again.

This is a true story.


Yes, buying a home can be scary and intimidating, but don’t let the fear of the unknown keep you in the dark.  We can shine the light on the pros and cons of home-ownership.  If buying is a right fit for you, FANTASTIC!  We’ll guide you EVERY step of the way.  If renting is better for you right now, we can help with that too.  Rent or buy – as long as you know what your options are, we are here to take care of your needs. 

 

Val J Aranda, REALTOR® and Certified Home Marketing Specialist
“Coaching first-time Texas Home Buyers & Sellers”

METRO REALTY – SAN ANTONIO
http://www.facebook.com/agentval  -or- http://www.val-a-homes.com

I’M NOT CUT-OUT FOR USED CAR SALES

If I were a used car salesperson, I’d have the WORSE sales record EVER! If I knew a car was just pulled out of a river or if the engine was being held by twist-ties, I would send you to another dealership.

PHOTO: Danny Devito in "Matilda"

I’m not saying that all car salespeople are unethical, I’m just saying that some are a little too “creative” when encouraging a sale.

When I’m touring homes with potential home buyers, I don’t distract them with, “song and dance.”  My job is to point out features folks might overlook or aren’t aware of… (Central Vacuum Systems, Radiant-Barrier Roofing, Appliances Included, etc…).  I’ll point out the positive features and I’ll even point out the negative ones, too.

Not every home is perfect, but there will be a home that’s perfect for you.

Our city is LOADED with professional Agents who are anxiously waiting to serve you.  Hire  a REALTOR® you can trust.

HAPPY HOUSE-HUNTING!

Agent Val A., offering ‘valet’ Real Estate service around the clock.

If you have general real estate questions, I’m always on-call.  Whether you’re a Home Buyer, Home Seller or a Tenant… I’ll gladly tailor my service to suit your needs.

Val J Aranda, REALTOR® | metro realty

4007 McCullough Ave, Suite #473
San Antonio, TX 78212 | Direct to Val: 210-378-5987

www.Val-A-Homes.com |                                                           For House-to-Home ideas and Property Listings: facebook.com/AgentVal
Or you can follow my Tweets at Twitter.com/ValAHomes

Rental off Thousand Oaks

image

Met a client and showed a fantastic looking home off Thousand Oaks today.  Over 2100 square feet, four bedrooms, two and a half baths and a two-car garage.

image

The wine chiller in the kitchen was certainly a bonus… we ALMOST “taste-tested!”  😉

image

image

image

My Client decided to put his house-hunt on hold; maybe this could be a good fit for you or someone you know!

Private Home Tours by:  Val Aranda, [METRO REALTY] REALTOR, CHMS, SFR

For a list of other rentals in any price range, visit….
http://www.Val-A-Homes.com
Text/Call Val:  210.378.5987

(Property Listed by Keller Williams) —

%d bloggers like this: