Category Archives: San Antonio Home Builders

What to avoid before you buy a home

Even with the help of a trusted real estate professional, it’s easy to fall into some common traps when you’re buying a home. Here are some of the most common regrets from home buyers—make sure to consider them before you make similar decisions.

Using all of your savings
It can be tempting to throw all the cash you have into your down payment so that you can have a lower monthly payment. But keep in mind that there are several other costs on the horizon—closing costs, inspection, and more. There will also be surprise repairs, taxes, and home maintenance. It’s a good idea to keep some cash in reserve for hidden or unexpected costs.

Borrowing the full amount offered
Banks will often offer a bigger loan than you can comfortably afford. You may be able to pay the mortgage, but it’ll really tighten your budget. A good rule of thumb is to only take 80% of what’s offered. That’ll give you a lot more flexibility in the long term.

Assuming you’ll like the neighbors
Your neighborhood is part of the package when you buy a home, so it’s important to learn about your next door neighbors. Make an effort to do a little homework on the neighbors, and their history with pets, home maintenance, and general behavior. You don’t want to be stuck living next to someone who is rude or inconsiderate.

Thinking short term with your loan
An ARM with low introductory rate and mortgage payment can be attractive. It’s easy to think “I’ll be making more money when the rate gets adjusted.” But life can throw you some surprises, and there’s great security in knowing that your payment will be consistent for 15 or 30 years. If possible, go for the fixed-rate mortgage.

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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 and shared 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 or Listing Agreement with another Real Estate Firm.

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

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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.

New Listings in Real-Time! It’s finally here in San Antonio, TX

HAS THIS HAPPENED TO YOU?

You see a “New” listing you like and ask your REALTOR® to show it to you. After you walk through the home, you say, “let’s make an offer!” Your REALTOR® gets in his/her car, calls the listing agent immediately and hears, “sorry, we JUST accepted an offer.”

It’s happening OVER and OVER and OVER again. If you and your agent are acting quickly to see new listings, the “timing” is not your fault nor your agent’s. In the Greater San Antonio area, specifically, we are experiencing a shortage in housing inventory. Basically, there are more buyers than homes for sale. Low supply and high demand.

Today, when a new listing hits the market, every buyer looking for that type of house is making arrangements with their REALTOR® to tour it right away. If a buyer is touring the home in the morning, they are probably making an offer while the 8 t0 5 folks are on their lunch breaks. By the time daytime workers see the home at 5:45 pm, there could be an accepted offer or multiple offers by then.

In this scenario, it doesn’t matter how fast you get “New” listings in your inbox. If you can’t see the home right away, you may miss out on it.

But, if you have a day off, a weekend off, or you’re available during a holiday, an instant and REAL-TIME MLS Alert could mean the difference between a lost deal and a done deal!
REAL TIME LISTINGS-fb postIf you are working with a San Antonio REALTOR®, today’s your lucky day! Overnight last night and into the wee hours of this morning (5/3/2016), our San Antonio Board of REALTORS® (SABOR) revamped our Multiple Listing Service (MLS) to offer our clients REAL-TIME MLS ALERTS! YES!

So, if you don’t mind multiple emails from MLS, contact
your REALTOR® and request REAL-TIME MLS ALERTS. When a new listing hits the market, you will receive the listing information INSTANTLY!

SERVICE AREAS INCLUDE BUT NOT LIMITED TO: San Antonio Board of REALTORS® (SABOR) listings in and around Leon Valley, Helotes, San Antonio, Shavano Park, Hollywood Park, Timberwood Park, Stone Oak, Castle Hills, Balcones Heights, Alamo Heights, Windcrest, Wilford Hall USAF, Brooks AFB, Fort Sam Houston, Randolph AFB, Converse, New Braunfels, Cibolo, and more.

*Don’t have a REALTOR®, yet? Scroll below to enroll today!*

 

NOW AVAILABLE - REAL TIME LISTINGS

Don’t have a REALTOR®? Give me a call. I’d love the opportunity to assist you with your home buying process. We’ll take care of you from our first handshake to closing day (and beyond).

~Agent Val

*** *** REAL-TIME SABOR MLS ALERT SIGN-UP *** ***

If you are a customer or client of Val J Aranda, Metro Realty, and would like REAL-TIME MLS ALERTS of New Listings, please fill out and submit the form below. Your information will be kept confidential. NO WORRIES – NO SPAM – NO OBLIGATION (EVER)!

 

The advice and opinions expressed in this graphic and 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

Home staging: Does it make a difference?

It seems to be universally accepted that home staging will help your home sell faster or for the best price—it’s been the common practice in the real estate business for a long time, and on the surface it seems like a no-brainer. Of course potential buyers will be more interested if a home is properly decorated, right?

That’s not necessarily true, according to a recent academic study. The study surveyed 820 homebuyers by showing them one of six virtual tours of the same property. In some instances the home was decorated with traditional furniture and color schemes, while in others more eccentric furniture and colors were used. In other tours there was no furniture at all, just empty rooms.

The overall results of the study were that staging is unlikely to increase a home’s sale price, and that staging isn’t quite as important as everyone believes.

Of course, real estate trends vary greatly from market to market. If you have questions about staging, talk to your trusted real estate professional.


A Special Note from Agent Val: In many neighborhoods within the greater San Antonio area, staging is extremely helpful. Want to know what’s best for your property? Contact me today. I’ll be happy to preview your property and offer a free no-obligation consultation.


HAVE GENERAL REAL ESTATE QUESTIONS?

At your service!

~Val~

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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

1st TIME BUYER NEEDS A HOME

AgentVal.com | Metro Realty, San Antonio

AgentVal.com | Metro Realty, San Antonio

Five apps for easy home decorating

The holidays are coming to an end. The fireworks will bring in the new year soon. Once the confetti settles, it’s time to get our homes back in order.

If you’re thinking about a new and snazzy look for your home’s decor in 2016, you may enjoy the smartphone/mobile device apps listed below!

apps for home decor

Five apps for easy home decorating

Technology has made it easier than ever to bring your home decor ideas to reality. There are countless smartphone apps that help you plan a space or do some valuable comparative shopping. Here are five apps to use on your next decorating project. Most are available on both iOS and Android devices.

1. Color Capture: Ever see a color that would make for a perfect paint scheme? Benjamin Moore’s Color Capture app allows you to take a photo of anything and instantly get a matching paint color.

2. iHandyLevel: Hanging photos and artwork? Rather than searching through your toolbox for a level, you can use something that’s already in your pocket: Your phone. The iHandyLevel app functions just as well as a dedicated level, turning your phone into the ultimate picture-hanging companion.

3. LikeThatDecor: Let’s say you see the perfect Chesterfield sofa in a coffee shop, and you want to see where you could get one of your own. Use the LikeThatDecor app to take a photo of furniture and instantly see similar items from dozens of retailers.

 4. IKEA Catalog: Forget about the nightmare of navigating the parking garage, showroom, and warehouse at your nearest IKEA. The IKEA Catalog app allows you to virtually place furniture in a room. If only there was an app for easy IKEA assembly!

 5. DesignSponge: DesignSponge is one of the best DIY and home decor websites out there. Now there’s an app that makes it easy to access all of their awesome content on your smartphone.

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Whether or not you’ve bought a home using my services, I’m always available to answer your house-to-home questions!  ~Agent Val

Val-A-HomesMETRO REALTY | Val J Aranda, REALTOR®

4007 McCullough Ave, Suite #477
San Antonio, TX 78212 | Direct to Val: 210-378-5987

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

BACK-TO-SCHOOL SWEEPSTAKES BY AGENT VAL

*******2013 POST****** *******2013 POST****** *******2013 POST******

ImageWHO WILL BE THE ONE LUCKY WINNER?

Here’s your chance to win $100* for your Back-to-School shopping!  The Facebook giveaway is just in time for the TAX FREE WEEKEND (August 9th-11th, 2013)!

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~THERE ARE TWO WAYS TO ENTER THE SWEEPSTAKES~

OPTION #1:  Fill out the short entry form below.  Your email address is your golden ticket!  (Email must be valid).  Winners will be announced via eMail.

OPTION #2:  GO “LIKE” MY FACEBOOK PAGE then enter to win using the link pinned on the top of my Facebook “wall.” –> Val-A-Homes.com on Facebook.  DON’T WORRY!  I’m not trying to trick you into buying anything.  My Facebook page is all about house-to-home ideas, tips and advice.  Yes, I’m a REALTOR®, so from time to time, I will post new listings and secret listings not yet in MLS.  (My Facebook Friends find out first!)

One entry per option (Yes, you may do both).  Want more ways to win?  The Facebook link will tell you how to get bonus entries.

*The $100 VISA® Gift Card can be used any time, anywhere** and on anyone! If the winner is in San Antonio, TX, the gift card will be hand-delivered on Friday, 09 August 2013.  If the winner is an “out-of-towner,” the gift card will be mailed via U.S. Mail (please allow 7-10 business day for delivery).

**Anywhere VISA is accepted.

NOTE:  Sweepstakes sponsored by Val J Aranda, REALTOR® and Certified Home Marketing Specialist
(metro realty)

For contest rules visit: http://tinyurl.com/ValsContestRules

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