Home in Northeast Crossing

In order for the bank to avoid the Foreclosure process and legal fees, they have agreed to sell this house for LESS than what the mortgage balance is!
Who do you know who’d like to walk away from closing with INSTANT EQUITY? Priced at $120,000, this grand home is a BARGAIN!
Fieldstone Home in Northeast Crossing 2371 square feet
  • 2371 Square Feet
  • 3-Bedrooms
  • 2-Full Baths
  • 1-Half Bath
  • ONLY 4 YEARS OLD!  Still under Builder’s Warranty.
Listed by:  Anne Hagelstein, Broker

 

 

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

Home in Big Country

OVER 1800 SQUARE FEET FOR $110,000?!?  SERIOUSLY?

Yes!  Off Marbach and 1604, this home is just outside city limits which means the Taxes are MUCH lower! 

Low taxes + Affordable Purchase Price = Mortgage Payment LESS THAN RENT!

  • 1818 Square Feet
  • 3-Bedrooms
  • 2-Full Baths
  • 1-Half Bath

New appliances, lots of storage.  Close to HWY 90, Loop 1604, Lackland A.F.B., Sea World and the new Medical Facilities off 151.

Listed by: Ann Gill

 

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

Divorcing my husband and my house!

The power and strength in women nowadays is exhilarating to witness.  Women have certainly come a long way from being just a, “damsel in distress.”  We’ve paved our own way in this path called life; we don’t know everything and we’ll still get lost, but one thing’s for sure, WE’RE NOT AFRAID TO ASK FOR DIRECTIONS!

CLIENT:  “I’M DIVORCING MY HUSBAND AND MY HOUSE!”
[March 2011]

I received two calls over the Spring Break Holiday.  Both women were leaving their houses and their soon-to-be ex-husbands.  They knew what they wanted to do and had just enough courage to call out for help.  One woman was strong, independent and knew exactly how to move forward.  The other one was full of worry, fear and uncertainty.

Receiving these types of calls is difficult for me, as a REALTOR®.  I want to root for marriages and encourage reconciliation, but I’m not a marriage counselor.  Instead, I have to listen to my clients and help them do what they think is best for themselves.

The female client who was confident and independent, followed my listing advice and together we sold her house for a great price.  She kept a civil relationship with the ex so as to make a clean break from him and the house.  It was a common law marriage and she kept everything.

My other client, who was legally married and had no control over how her soon-to-be ex-husband would handle his side of the real estate matters, ended up losing the house to foreclosure.  I don’t know the whole inside story, but I do know that their “strike first, strike hard” mentality was a key factor in losing the house.  She wanted to sell and he did not.  While he’s thinking that he has the last laugh, he’ll feel the slap in the face when he tries to obtain new credit and/or buy another house.  He’s going to realize that his actions will haunt him long after they sign divorce papers.

If you own a home and divorce is an option, it’s important to remember that you can’t “divorce” your mortgage.  If your marriage ends up with irreconcilable differences, do what you have to do, but don’t let a bad divorce be the material you build your new foundation with.  I realize there are some cases that involve tough circumstances, and the best thing to do is get as far away as fast as possible.  For those cases, all I can say is God’s speed and consult an Attorney.  You may have a long road ahead of you, but there’s still light at the end of the tunnel. When your Attorney and the Judge determine who gets the house and how it’ll be divided, a REALTOR® can assist you with the sale.

For the other soon-to-be divorced cases, where things can still be ironed out, don’t forget about your future.  So what if he gets half of the proceeds, you’ll walk away with 100% of your dignity and self-respect.

TEXAS IS A COMMUNITY STATE

In Texas, a home purchased by a married couple becomes community property with 50%-50% ownership.  This also goes for “common law marriages,” especially when both parties are on the mortgage.  Whoever is on the mortgage is held responsible for the Mortgage payment and any late fees, sometimes even after a divorce.

In a common law marriage where only one party is on the mortgage, the other party may have legal rights to 50% interest in the property.  While a Real Estate Agent can assist with real estate advice, it’s best to seek legal counsel regarding divorce and property rights.

A WOMAN’S BUYING POWER

According to About.com [“Single Women Buy Homes, Too!“], twice as many single women are buying homes than single men.  A 2003 Study by the National Association of Realtors found that single women were much more likely to own their own homes by a margin of 56 percent to 47 percent over single men.

As of October 2010, 19.2 % of home owners were single women and 10.6% were single men.  Of the 19.2% of women, about 58% were first time home buyers.

FALL IN LOVE AGAIN

The day will come when you’re standing on your balcony, and that right “someone” will pull up in a limo, stand through the sun roof, hold up a bouquet of flowers and yell out your name (because Julia Roberts can’t be the ONLY lucky one)!  And until that day, take care of yourself, take care of your needs and cater to your desires.

When you decide to re-build your dreams and buy your next home, I’d love to be the match-maker!  I’ll help find that gorgeous property with dreamy windows, sexy kitchen, strong features, passionate whirlpool tub and super attractive price!  For those of you looking for a sense of humor, too… I’ll just have to tell you a couple of jokes while we’re hunting for that hunky home.  🙂

 

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

Northwest VA Foreclosure

image Here’s what a Northwest San Antonio Foreclosure looks like.  I’m showing this listing this morning. It’s actually in pretty good shape.  Just needs some cosmetic TLC.

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

Property Tour – 17Feb2011

image

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…and when a bidet is not in your budget… you compromise?  :-/

“Oh my goodness, do you really want to grab that?!?”

Sorry to say…. THIS IS A TRUE STORY!  A truly OMG moment!!

 

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

PROPERTY PREVIEW – 16Feb2011

image image image image image Today, I’m previewing a home before I bring my Client.  Since we’ve worked together before, I have a pretty good idea of what he’s looking for. I really like the flow of this property… I’m just not sure he’ll dig the size of the kitchen. What do you think about this Medical Center home?  Think it suits a bachelor?

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

Why you, Val?

image

What sets me apart from all the other, “REALTORS?”  Well, it’s after 9:00 pm on a Tuesday and while I handle a “house-call,” I answer a text from a buyer, send a list of garden homes to another buyer and help a Tenant (over the phone) with questions on a rental application.

I don’t have to give you a “song and dance” about what I do… I JUST DO IT!  (Although, given the right music, I have been known to boogie!)  🙂

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

Home Builder Facts

“The Builder didn’t tell me that!”
[updated: 09 Nov 2017] 

First of all, this is by no means a post to bash home builders! I LOVE working with home builders.  Unfortunately, the average Joe/Jane is not familiar with the partnerships between Builders and REALTORS®, so they walk into a model home blindly.  They shake hands with the Sales Counselor, pick a house and then hit cruise control until the house is completed.  It’s during the “cruise control” when things can go wrong.

The most common “The Builder didn’t tell me that!” complaint I hear is referencing mortgage payments. Some Builders will finance a home using the Real Estate Tax on the land BEFORE the house value is added to it.  So, a year later, when the county adds the House to the Tax Value, the Tax Payment skyrockets and so does the mortgage payment. “OUCH!  I can’t afford my mortgage!”

Another “The Builder didn’t tell me that!” topic is about Home Inspections and repairs. Always remember, the Sales Counselor is not a Buyer’s Representative.  The Sales Counselor works for and represents the Builder at ALL TIMES.  So… when a Buyer asks the Sales Counselor, “may I hire my own Inspector?” chances are the Sales guy/gal will say, “You can but you won’t have to.  We have our own Inspector.”  What’s wrong with that answer?  Well, who do you think the Inspector works for? You may have guessed it –  They work for the Builder!

We all know if we ended up in a courtroom for some reason, we’d want to hire our own Attorney, right? You wouldn’t want to use the other guy’s attorney, would you? Think about that when buying or building a home.  Just as you’d walk into court with your own representation, you should walk into a home-buying scenario with your own REALTOR® who is bound to represent Y-O-U.  Many REALTORS® do NOT charge fees to represent buyers.  The Builder pays a REALTOR’S® commission at closing, and it won’t affect your purchase price.

The truth is, buying a home will probably be the BIGGEST financial investment in your lifetime. Let us help you protect your investment – it’s our duty!

P.S. A few Builders might make you believe that you’ll receive a discount if you don’t bring a REALTOR®. That’s not entirely true. They would simply keep the profit. The biggest benefit for a Builder when a Buyer does not have a REALTOR® is that the Builder can lead a buyer by the nose without the buyer knowing what questions to ask.

Why am I disclosing this to you?  Because it’s important for consumers to know that the benefit of having a REALTOR® is even recognized by Builders. We are their LARGEST source of business; we educate our clients. 

So, if having a REALTOR® won’t cost you a dime, wouldn’t you prefer to have one on your side?

Here’s one last example of, “The Builder Didn’t Tell Me That”: When your new home construction is complete, the builder will schedule a walk-through a few days before closing.  During the walk-thru, you’ll have an opportunity to point out flaws and/or items in need of repair.  Most flaws are cosmetic and easy to fix, but if you don’t know a lot about home construction, you may miss a lot of important details.  HIRE YOUR OWN INSPECTOR.  Most builders will not even suggest hiring a third-party inspector, I’m suggesting that you do!  Yes, even in a brand new home, an Inspector will find more flaws than you think.

Just another example why a Builder wouldn’t want us to represent you!

The Builder (in most cases) will repair flaws reported by your Inspector.  Just take caution… Some Builders will tell you, “don’t worry… we’ll fix it right after you move in.”  DON’T DO IT!  They want you to sign your closing documents and move you to the back of the line. If you delay closing to wait for repairs, trust me… THEY WILL MAKE THOSE REPAIRS QUICKLY!

If you decide to tour Model Homes without a REALTOR®, you are taking a risk.  Builders will have you sign a registration card; and if you leave the REALTOR® section blank, they’ll know you have NO REPRESENTATION.  

If you have a REALTOR®, but want to tour a model home on your own, be sure to add your REALTOR’S® name on the builder’s registration card, and tell your REALTOR® about your visit.  This small step will protect you when you are ready to sign a contract.  Your REALTOR® will have the authorization to represent you throughout the entire building process.  THIS IS YOUR RIGHT AS A HOME BUYER!

 

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

In The Line Of Duty

I stand at attention.  I wait for my orders.  I salute the Texas community.

Army Val – 1994

This year, I am making some improvements.  My Real Estate career is officially under construction.  My focus has been and always will be to provide a top-notch service to my Real Estate Clientele.  Now with almost thirteen years of Real Estate experience and almost three years of running my own Real Estate Business, I’m headed to a new level!  I am on the path to being your new Real Estate Broker.

In the military you have Non-Commissioned Officers and Officers.  In real estate you have Real Estate Agents, REALTORS® and Real Estate Brokers.  A Broker is like being an Officer.  Not only do Brokers serve a community, they can have Real Estate Agents and REALTORS® in their command.  Real Estate Brokers take on a larger responsibility and I’m taking the challenge!

In order to execute my plan successfully, I’ve decided to temporarily leave my post at “Own a Piece of Texas Realty” and join the ranks of “San Antonio Metro Realty.”  While under a new “General”/Broker, I will begin my educational journey to join the elite group of Texas Real Estate Brokers.

In the next few weeks, I will begin my transition.  I’ll build a new web site, order new business cards and update my contact information.  In the meantime, my cell will remain the same.  I will continue to provide ’round-the-clock service to better serve YOU.

The services I offer will also remain the same.  I will list your property and/or find your dream home.  I will be available seven days a week in order to accommodate your work/school schedules.  If I happen to be in class during a time you need me, I’ll have an Assistant, an Office Manager and a Broker who will gladly jump into the line of duty.

This challenge I am taking is to better serve you.  I will continue to build my Real Estate Business with YOU as my TOP PRIORITY!  “HOOAH!”

Your Texas REALTOR®, U.S. Army Veteran

 

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

A STORY: Culebra Rd and Red Lobster

In late 1986, my Dad received his USMC Orders to transfer from Beaufort, South Carolina to San Antonio, TX. Our REALTOR® (at the time) drove us through new neighborhoods around the Ingram Mall area, since Dad’s new recruiting office was off of Ingram Rd. Weaving through construction zones and trying to avoid pot holes, the REALTOR® kept our focus on the “growing community.” Dad asked when the construction was scheduled for completion; the REALTOR® chuckled and said,
“It’ll be done by the time you move into your new home in January (1987).  If it isn’t, I’ll treat your family to dinner at Red Lobster!”
Well, for those of you who know the area… there is STILL construction on Culebra Rd!  Here we are in 2011, and the orange barricades are as much of the community as La Popular Bakery. 🙂 Oh, as for “Red Lobster,” we didn’t hear from the REALTOR® after we moved in… BUT we found him years later… In 1990, Dad retired from the Marine Corps and began a career in Real Estate.  In 1998, I became a REALTOR®.  In 2005, my brother Andy received his real estate license.  Guess who was our Real Estate Instructor? Haha!  That poor REALTOR®… there was no escaping us. Without knowing, we each shared our “Red Lobster” story with the REALTOR®/Instructor (jokingly of course).  Finally, after hearing the story for the third time, he followed through with his promise and gave us a gift card to Red Lobster!  We got the family together (adding spouses and children)… we shared a good laugh and a basket of cheddar biscuits, compliments of our REALTOR® friend! Lesson #1: The Aranda Family will never forget a promise. Lesson #2:  I don’t think construction on Culebra will EVER end!  lol!
P.S.  The city proposes a construction completion in the Fall of 2011… however… I’m NOT making any promises.  😉

♦♦♦♦♦♦♦♦♦♦♦

Texas law requires all real estate license holders to provide the Information About Brokerage Services to all prospective clients. TREC’s Consumer Protection Notice.

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