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<div class="se-component se-image-container __se__float-none"><figure><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20230524071901.jpg" alt="" data-rotate="" data-proportion="true" data-size="," data-align="none" data-percentage="auto,auto" data-file-name="Clever Ways to Boost Your Home's Value Before Selling 1.jpg" data-file-size="91973" data-origin="," origin-size="770,350" style=""></figure></div> Are you looking to sell your
 San Antonio home and maximize its value? If so, you've come to the right place!
 Boosting your home's value before selling is crucial for attracting potential
 buyers and securing a higher price. This article explores clever and practical
 ways to enhance your home's appeal, increase market value, and ensure a
 successful sale. We'll cover everything from
 creating an inviting curb appeal to upgrading key areas like the kitchen and
 bathrooms. So, get ready to transform your home and make it irresistible to
 buyers. Let's dive in and discover how to boost your home's value before
 selling! <h2>Curb Appeal: Make a Great First Impression</h2> <a href="https://jerrynewmanhomes.com/articles/buying-or-selling-a-home-heres-what-you-need-to-know" target="_blank">Buying and selling a home</a>
 both come with their fair share of challenges. As a seller, you want to make a
 lasting impression on potential buyers right from the moment they look
 at your property. That's where curb appeal plays a
 vital role. Enhancing your home's exterior can significantly impact its
 value and attract interested buyers. From meticulously maintaining your
 landscaping to giving your front door a fresh coat of paint, there are various
 ways to make your home stand out. A well-maintained exterior adds aesthetic appeal and
 signals buyers that the property has been cared for
 and potentially reduces their concerns about hidden maintenance issues. Investing in small repairs, such as fixing any cracks or damages and
 ensuring that windows are in good condition,
 can create a sense of confidence in potential buyers.<div class="se-component se-image-container __se__float-center"><figure><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20230524074755.jpg" alt="" data-rotate="" data-proportion="true" data-align="center" data-size="," data-percentage="auto,auto" data-file-name="Clever Ways to Boost Your Home's Value Before Selling 4.jpg" data-file-size="92547" data-origin="," origin-size="770,350" style=""></figure></div> <h2>Upgrade the Kitchen: The Heart of Your Home</h2> The kitchen
 holds immense potential when it comes to increasing
 your home's value. A well-designed and upgraded kitchen can make a significant
 impact on potential buyers. There are various
 ways to enhance this vital space, from small updates to complete
 renovations. Start by focusing on cleanliness and organization.
 Declutter countertops, clean the cabinets thoroughly, and create a sense of order. Next, consider upgrading
 appliances and fixtures to give your kitchen a modern and appealing look.
 Stainless steel appliances, energy-efficient models, and stylish faucets can
 instantly elevate the overall aesthetic. If you're on a budget, don't fret! There are plenty of
 budget-friendly kitchen renovation ideas you can explore. Simple tasks like
 repainting cabinets, replacing hardware, or updating the backsplash can make a
 noticeable difference. Consider a kitchen remodel as a rewarding <a href="https://jerrynewmanhomes.com/articles/diy-home-improvements-4-to-try-next-summer" target="_blank">summer DIY project</a> as the summer approaches. By investing time and effort, you can boost your home's
 value and create a space that potential
 buyers will appreciate. So roll up your sleeves, grab
 your tools, and turn your kitchen into a selling point that leaves a lasting
 impression! <h2>Boost Energy Efficiency: Save Money and Attract Buyers</h2> Boosting your home's energy efficiency benefits the
 environment and adds tremendous value when it comes
 to selling your property. Besides saving you
 money on utility bills, it will also appeal to eco-conscious buyers who
 prioritize sustainability. For instance, you can install energy-efficient windows, and insulation helps to regulate indoor temperature,
 reducing heating and cooling costs. Upgrading to LED lighting and smart
 thermostats saves energy and adds a modern
 touch to your home. Consider exploring renewable energy sources like solar
 panels, reducing your carbon footprint and making your property more desirable to potential buyers. These energy-efficient features will help you command a
 higher price for your property. And that can make buying your new home and your
 upcoming move much easier. This is especially true if you plan to move long distances from San Antonio. With the extra
 savings and environmentally friendly features, you can confidently hire
 professional movers to ensure a smooth and <a href="https://www.statetostatemove.com/long-distance-movers-san-antonio-tx/" target="_blank">easy transfer over long distances</a>. Therefore, investing in energy efficiency is a win-win
 situation for your wallet and the environment, making your home more appealing
 to buyers in today's market. <div class="se-component se-image-container __se__float-none"><figure><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20230524071715.jpg" alt="" data-rotate="" data-proportion="true" data-size="," data-align="none" data-percentage="auto,auto" data-file-name="Clever Ways to Boost Your Home's Value Before Selling 2.jpg" data-file-size="63731" data-origin="," origin-size="770,350" style=""></figure></div> Maximize Space: Create a Feeling of Openness Creating a sense of spaciousness is key. Buyers are often
 drawn to open, airy spaces that allow them to
 envision their own lives within the property. To maximize space, <a href="https://jerrynewmanhomes.com/articles/fun-and-simple-strategies-for-cutting-down-on-clutter" target="_blank">start by decluttering</a>
 and organizing every room. Clear out unnecessary items and create a clean
 canvas for potential buyers. Consider utilizing creative storage solutions to organize
 your home and maximize
 every inch. Removing unnecessary walls can open rooms and create a flow that
 enhances the overall appeal. By embracing minimalism and maximizing space,
 you'll create a feeling of openness that will captivate buyers and leave a
 lasting impression. <h2>Upgrade Bathrooms: Create a Spa-like Retreat</h2> When increasing your home's value, don't overlook the power
 of upgraded bathrooms. Transforming your bathrooms into luxurious spaces can significantly
 impact potential buyers. Start by replacing outdated
 fixtures and hardware with stylish and modern options. Consider updating
 countertops and vanities to create a sleek and sophisticated look. Add luxurious touches such as heated floors or a rain
 showerhead to create a spa-like retreat. These
 little details can make a big difference in how buyers perceive your home's
 value. By investing in bathroom upgrades, you'll create a relaxing oasis that
 not only adds appeal but also helps you boost your home's value. 
 
 
 <div class="se-component se-image-container __se__float-none"><figure><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20230524072046.jpg" alt="" data-rotate="" data-proportion="true" data-size="," data-align="none" data-percentage="auto,auto" data-file-name="Clever Ways to Boost Your Home's Value Before Selling 3.jpg" data-file-size="43154" data-origin="," origin-size="770,350" style=""></figure></div> <h2>Highlight the Potential: Showcase Unfinished Spaces</h2> Unleash the hidden potential of your home by showcasing
 unfinished spaces. Convert basements or attics into functional areas that
 buyers can envision. Transform them into a home office, bonus room, or other
 versatile space. Proper lighting, insulation, and staging will enhance their
 appeal. By highlighting the potential of these spaces, you increase
 your home's square footage and demonstrate its versatility. Set your home apart
 from others on the market by offering exciting possibilities. <h2>Unlock the Value of Your Home with Clever Upgrades</h2> Boosting your home's value before selling is a smart move
 that can lead to a successful and lucrative sale. From enhancing curb appeal to
 showcasing unfinished spaces, numerous clever ways exist to increase your home's market value. By implementing
 these strategies, you can make your property more appealing to potential buyers
 and command a higher selling price. So, don't wait any longer—take action and embark on these
 transformative projects. Get ready to impress buyers, secure a successful sale,
 and enjoy the rewards of your hard work. Boost your home's value and pave the
 way for a successful selling journey! Photos used: <a href="https://www.pexels.com/photo/residential-cottage-house-with-courtyard-5997993/">https://www.pexels.com/photo/residential-cottage-house-with-courtyard-5997993/</a> <a href="https://www.pexels.com/photo/lighted-beige-house-1396132/">https://www.pexels.com/photo/lighted-beige-house-1396132/</a> <a href="https://www.pexels.com/photo/four-brown-wooden-chairs-2635038/">https://www.pexels.com/photo/four-brown-wooden-chairs-2635038/</a> <a href="https://www.pexels.com/photo/set-of-skin-care-products-in-contemporary-bathroom-4239013/">https://www.pexels.com/photo/set-of-skin-care-products-in-contemporary-bathroom-4239013/</a> &nbsp;

Cleaver Ways to Boost Your Home's Value Before Selling

<div class="se-component se-image-container __se__float-center" contenteditable="false"><figure style="width:auto; height:auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20230417045214.jpg" alt="" data-rotate="" data-proportion="true" data-align="center" data-size="," data-percentage="auto,auto" data-file-name="Keys to New Home.jpg" data-file-size="28297" data-origin="," style="width:auto; height:auto;"></figure></div>Buying a home is a dream for a lot of people, and often the biggest purchase one can make. However, the state of the real estate market going 2023 is shaky, to say the least. It’s an unfortunate fact that the market still hasn’t completely recovered from the pandemic. As such, purchasing a home for you and your family can be fairly difficult, as things stand. However, the process doesn’t have to be so stressful, if you know what you’re doing. To that end, we’ve made a list of 7 real estate tips for buyers in 2023.&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;1. Figure out your budgetFirst up on the list of 7 real estate tips for buyers in 2023 is figuring out your budget. Especially if you’re considering real estate investment, knowing what you’re working with is incredibly important. And even if you’re not considering an investment, you should know your budget before looking for a home. This can help you <a href="https://selling-sanantoniorealestate.com/homes-for-sale-search/" target="_blank" rel="noopener">narrow down your search</a>, as you can just look at homes you know you can afford. Your budget should include the down payment, closing, and moving costs, and any other hidden costs you might encounter. There’s nothing quite as heartbreaking as finding the perfect home and then realizing you can’t afford it. So, sit down and figure out your budget, then go from there.&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;2. Get pre-approved for a mortgageIt’s very important to get pre-approved for a mortgage in today’s real estate market. This is because some sellers won’t consider offers from people who aren’t pre-approved, for one very important reason. If the buyer isn’t pre-approved, then there’s a good chance for the sale to fall through. Needless to say, this leads to a lot of disappointment and lost time for both sides. So, before you start seriously considering a potential home, get pre-approved for a mortgage. Besides looking good for sellers, getting pre-approved can help you figure out your exact range of price, and what kind of down payment you can afford. Which, in today’s world, can save you quite a lot of time and heartbreak, all things considered. As such, taking your time and making sure you’re ready is an excellent idea overall.&nbsp; &nbsp; &nbsp; &nbsp; 3. Figure out what you want out of your new homeAnother great tip on the list is to figure out what amenities and house features you want in your home. Much like figuring out the budget, this is a great way down to narrow down your search before you even start looking. It’s pretty simple, make a list of amenities and house features that you absolutely can’t live without. Then, only consider the houses which have these things available and ignore the rest. However, it’s also important to consider the move and the mental challenges it brings, as <a href="https://www.hansenbros.com/mental-challenges-of-moving-nationwide/" target="_blank" rel="noopener">the process can be exhausting</a>. Especially when moving nationwide, it’s very easy to get overwhelmed by planning your move. So, take your time and plan everything out step by step in order to make sure you don’t get overwhelmed.&nbsp; &nbsp; &nbsp; &nbsp; 4. Decide on and research a neighborhoodWhen looking for a new home, location is one of the most important parts of the process. More specifically, <a href="https://selling-sanantoniorealestate.com/communities/" target="_blank" rel="noopener">deciding on the exact neighborhood</a> can help out quite a bit. However, researching the neighborhood is very important, no matter how you look at it. You should take the time and look into the details, such as what’s available nearby and other general information. Additionally, look into home sales that happened in the neighborhood, so you can make sure you don’t get overcharged. Also, knowing what kind of neighborhood you’re going to live in is also fairly important. After all, this is a good way to avoid buyer’s regret in the long run.&nbsp; &nbsp; &nbsp; &nbsp; 5. The type of home you want to buyThe next on the list of real estate tips for buyers in 2023 is fairly important as well. Choosing the exact type of home you want is a vital step; for example, the process can be changed dramatically if you want a starter home compared to a forever home. Also, this is even more important if you’re considering a home for investment. And remember, managing investment expenses is something you should also keep in mind if this is the case. After all, the investment doesn’t stop at simply buying the home, so make sure you’re properly prepared. Regardless, before starting the search, make sure you know what type of home you want to buy.&nbsp; &nbsp; &nbsp; &nbsp;6. Get homeowner’s insuranceHomeowner’s insurance is vital for homeowners in the long run, no matter how you look at it. It gives you peace of mind in case something in your home gets damaged, or someone gets injured. However, deciding what exact homeowner’s insurance you want is going to take some research, as they tend to have different coverage. Still, homeowner’s insurance is vital, as it’s very easy to damage your home when moving in. Of course, the best way to deal with this is to avoid it in the first place, so make sure the movers you hire are reliable and experienced.&nbsp; &nbsp; &nbsp; 7. Get a home inspection before sealing the dealBefore you actually buy a home, <a href="https://selling-sanantoniorealestate.com/insist-on-a-home-inspection/" target="_blank" rel="noopener">always get a professional home inspection</a>, just in case. The reason for this is that walkthroughs aren’t the most reliable way to spot issues, and getting blindsided is the last thing you want. There are DIY repairs you can do, of course, but if you’re going to buy a home, it should at least be fully functional. So, hire a professional to inspect a potential home before deciding to commit to it. This is often done during the Termination Option Period in Texas.7 real estate tips for buyers in 2023 – wrap upGoing into 2023, the real estate market is still going to be difficult to manage for the average person. As such, if you’re planning on buying a home in 2023, it’s important to be prepared for the process ahead of you. Hire a <a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener">real estate professional</a> to assist you in this process. It doesn't cost you anything to get representation from a REALTOR. We hope that this list of 7 real estate tips for buyers in 2023 helps you prepare, and we wish you good luck.Photos used: <a href="https://www.pexels.com/photo/black-handled-key-on-key-hole-101808/">https://www.pexels.com/photo/black-handled-key-on-key-hole-101808/</a>

7 Real Estate Tips for Buyers in 2023

<div class="se-component se-image-container __se__float-center" contenteditable="false"><figure><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20230330054157.jpg" alt="" data-rotate="" data-proportion="true" data-size="," data-align="center" data-percentage="auto,auto" data-file-name="Stage Home 1.jpg" data-file-size="64455" data-origin="," origin-size="602,401"></figure></div> In San Antonio,&nbsp;<a href="https://selling-sanantoniorealestate.com/renovate-vs-sell-your-home-what-is-best-for-you/" target="_blank" rel="noopener">selling a house</a>&nbsp;can be difficult, particularly in a tight real estate market. You might be wondering how to draw attention to your house and attract buyers.&nbsp;Home staging&nbsp;may seem like a luxury when you’re in a rush to locate an agent, list your house, and prepare the garage for all those open houses.&nbsp;What if it had the potential to make or break your sale?&nbsp;Thankfully, there are a number of practical techniques you may use to stage your San Antonio home for a successful sale.It’s important to keep in mind that staging your home is mostly about making it&nbsp;feel pleasant and appealing&nbsp;to potential buyers. This entails organizing and cleaning your space, emphasizing prominent aspects, and developing a consistent aesthetic that appeals to a wide range of tastes. You may&nbsp;raise the perceived worth of your house&nbsp;and draw in serious purchasers by putting time and effort into staging it.<h2>9 Tips to Stage Your San Antonio Home for a Successful Sale</h2>An important step in the process of&nbsp;<a href="https://selling-sanantoniorealestate.com/should-you-sell-or-rent-out-your-renovated-investment-home/" target="_blank" rel="noopener">selling your house</a>&nbsp;is staging it. When you list your house, you want it to look absolutely stunning for any online and in-person prospective purchasers.&nbsp;But what precisely is home staging?&nbsp;It’s a&nbsp;style of decoration designed&nbsp;to draw attention to your home’s best features and assist potential buyers in visualizing themselves relocating and residing there. Here are nine tips you might use to stage your San Antonio house.<h3>Clean and Declutter</h3>The preparation of your home for staging should start with a thorough&nbsp;cleaning and decluttering. Make sure all identifying items, including family portraits, religious relics, and clutter, are hidden from view. Decluttering will give the appearance of space and cleanliness, which will attract purchasers. Be careful to thoroughly clean all surfaces, including the baseboards, walls, windows, and floors. Don’t forget to deal with any unpleasant smells or pet odors.<div class="se-component se-image-container __se__float- __se__float-none" contenteditable="false"><figure><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Stage-Home-2-600x400.jpg" alt="Jerry Newman San Antonio Tx Stage Home 2" data-origin="100,400" data-proportion="true" data-size="460px,400px" data-align="" data-file-name="jerry-newman-san-antonio-tx-Stage-Home-2-600x400.jpg" data-file-size="0" origin-size="600,400"></figure></div>Decluttering will make it appear bigger and cleaner, which will attract buyers.<h3>Enhance Curb Appeal</h3>Your home’s exterior will be the first thing potential buyers will notice, and it can either make or break&nbsp;<a href="https://selling-sanantoniorealestate.com/making-a-good-first-impression/" target="_blank" rel="noopener">their initial impression</a>. By keeping your lawn neat, trimming your trees and shrubs, and adding vibrant plants and flowers, you may improve the curb appeal of your property. Give your home’s exterior a fresh coat of paint if necessary, and fix or replace any broken objects like fences, doors, or windows. A&nbsp;clean exterior&nbsp;will give a good first impression and encourage buyers to enter.<h3>Highlight Key Features</h3>Homes in San Antonio include&nbsp;distinctive features&nbsp;that potential buyers would adore, like Spanish-style architecture, sizable backyards, and outdoor living areas. By positioning furniture and decorations to highlight certain traits, you can emphasize them. For instance, to showcase a stunning view from your property, place outdoor furniture on the patio or balcony. If your house has a fireplace, make sure to clean it and add some new logs to make it seem nice.<div class="se-component se-image-container __se__float- __se__float-none" contenteditable="false"><figure><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Stage-Home-3-600x400.jpg" alt="Jerry Newman San Antonio Tx Stage Home 3" data-origin="100,400" data-proportion="true" data-size="510px,400px" data-align="" data-file-name="jerry-newman-san-antonio-tx-Stage-Home-3-600x400.jpg" data-file-size="0" origin-size="600,400"></figure></div>Make sure to clean the fireplace in your home and add some fresh logs to give it a lovely appearance.<h3>Neutralize Colors</h3>Although San Antonio is known for its brilliant hues, it’s recommended to choose&nbsp;neutral colors&nbsp;when decorating a property. Beige, white, and other neutral hues produce a tidy and coordinated appearance that appeals to a larger range of customers. Consider repainting your walls in neutral tones if they are painted in vibrant hues to lessen their intensity. You could also add neutral-colored furnishings.<h3>Let the Light In</h3>San Antonio is blessed with abundant sunshine, and you should take advantage of it when staging your home. Open the blinds and curtains to&nbsp;let in natural light, and make sure that all the lighting is functioning properly. To make the room brighter, think about adding more lighting to dim areas like corners or corridors.<h3>Create a Cozy Atmosphere</h3>To stage your San Antonio home for a successful sale, you may imitate San Antonio’s welcoming and pleasant vibe. Add plush, soft cushions and throws to your sofa and chairs and light fragrant candles to create a cozy atmosphere. Adding greenery, such as potted plants, is another way to bring the outdoors inside.<div class="se-component se-image-container __se__float- __se__float-none" contenteditable="false"><figure><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Stage-Home-4-600x400.jpg" alt="Jerry Newman San Antonio Tx Stage Home 4" data-origin="100,400" data-proportion="true" data-size="554px,400px" data-align="" data-file-name="jerry-newman-san-antonio-tx-Stage-Home-4-600x400.jpg" data-file-size="0" origin-size="600,400"></figure></div>Add plush, soft pillows and throws to your sofa to create a pleasant ambiance.&nbsp;<h3>Collaborate with an Agent</h3><a href="https://selling-sanantoniorealestate.com/about-me/" target="_blank" rel="noopener">Working with an experienced real estate agent</a>&nbsp;is a smart choice, even if you have some real estate experience already. Throughout the house selling process, your agent will provide suggestions and pointers, assisting you in staging the home up for sale, marketing it effectively, and setting an appropriate asking price—while handling most of the negotiation work. They’ll make sure your experience is as easy and stress-free as possible. Don’t forget to&nbsp;<a href="https://verifiedmovers.com/top-movers-in-san-antonio/" target="_blank" rel="noopener">choose an expert moving team</a>&nbsp;if you are moving and looking for top movers in SA; they will be very helpful in your relocation.<h3>Stage Each Room</h3>Every room&nbsp;in your San Antonio house has a function; therefore, you should set it out that way. The kitchen should have spotless counters and spotless appliances, and the bedroom should have a comfy bed with fresh linens. With brand-new towels and toiletries, the bathroom ought to be pristine.&nbsp;Make sure each space is set appropriately&nbsp;and has a distinct purpose.<h3>Add Luxuries</h3>Make your customers picture the main suite as&nbsp;a tranquil, luxurious retreat. For that plump and velvety look you see in upscale hotels, tuck an extra-large bedspread into a soft-colored duvet. Choose a neutral duvet and accent with color using shams, cushions, and other blankets. Keep nightstands clear of personal stuff and clutter.<h2>Conclusion</h2>It takes some&nbsp;imagination and works&nbsp;to stage your San Antonio home for a successful sale, but the results are well worth the effort. You can make your property stand out from the competition and draw potential buyers by cleaning and tidying, improving curb appeal, highlighting significant features, neutralizing colors, letting light in, creating a warm atmosphere, and arranging each space. By following these recommendations, you can&nbsp;raise the perceived worth of your house&nbsp;and guarantee a quick sale.&nbsp;Best&nbsp;of luck!Images via pexels.com.<a href="https://www.pexels.com/photo/centerpiece-on-coffee-table-beside-sofa-with-three-pillows-298842/">https://www.pexels.com/photo/centerpiece-on-coffee-table-beside-sofa-with-three-pillows-298842/</a><a href="https://www.pexels.com/photo/photo-of-fireplace-near-sofa-3935351/">https://www.pexels.com/photo/photo-of-fireplace-near-sofa-3935351/</a><a href="https://www.pexels.com/photo/woman-cleaning-the-house-6195198/">https://www.pexels.com/photo/woman-cleaning-the-house-6195198/</a><a href="https://www.pexels.com/photo/brown-and-gray-painted-house-in-front-of-road-1396122/">https://www.pexels.com/photo/brown-and-gray-painted-house-in-front-of-road-1396122/</a>&nbsp;

How to Stage Your San Antonio Home for a Successful Sale

2023 Real Estate Market Outlook (And What It Means for You) Last year, one factor drove the real estate market more than any other: rising mortgage rates. In March 2022, the Federal Reserve began a series of interest rate hikes in an effort to pump the brakes on inflation.1 And while some market sectors have been slow to respond, the housing market has reacted accordingly. Both demand and price appreciation have tapered, as the primary challenge for homebuyers has shifted from availability to affordability. And although this higher-mortgage rate environment has been a painful adjustment for many buyers and sellers, it should ultimately lead to a more stable and balanced real estate market. So what can we expect in 2023? Will mortgage rates continue to climb? Could home prices come crashing down? While this is one of the more challenging real estate periods to forecast, here’s what several industry experts predict will happen to the U.S. housing market in the coming year. MORTGAGE RATES WILL FLUCTUATE LESS In 2022, 30-year fixed mortgage rates surged from roughly 3% in January to around 7%. According to Rick Sharga of real estate data company ATTOM, “We’ve never seen rates double in so short a period.”2 This year, economists forecast a less dramatic shift. In an interview with Bankrate, Nadia Evangelou, senior economist for the National Association of Realtors, shares her vision of three possible mortgage rate scenarios:3 <ol type="1"><li>Inflation continues to surge, forcing the Fed to repeatedly raise interest rates. In that scenario, she predicts that rates could reach as high as 8.5%.</li><li>Inflation decelerates and mortgage rates follow suit, averaging 7 to 7.5% for the year.</li><li>Rising interest rates trigger a recession, which could ultimately lead mortgage rates to drop closer to 5% by the end of the year.</li></ol> Realtor.com forecasts something similar to scenario #2 above: “Mortgage rates will average 7.4% in 2023, trickling down to 7.1% by year’s end.”4 The Mortgage Bankers Association, however, projects something closer to Evangelou’s scenario #3, with the 30-year fixed rate declining steadily throughout the year, averaging 6.2% in Q1 and 5.2% by Q4.5 Economists at Fannie Mae fall somewhere in the middle. In a recent press release, they predicted that the U.S. economy will experience a “modest recession” this year.6 But in their December Housing Forecast, they project that 30-year fixed mortgage rates will only fall by half a point from an average of 6.5% in Q1 to 6.0% in Q4.7 “From our perspective, the good news is that demographics remain favorable for housing, so the sector appears well-positioned to help lead the economy out of what we expect will be a brief recession,” said Fannie Mae Chief Economist Doug Duncan.6 What does it mean for you? &nbsp;Even the experts can’t say for certain where mortgage rates are headed. Instead of trying to ”time the market,” focus instead on buying or selling a home when the time is right for you. There are a variety of mortgage options available that can make a home purchase more affordable, including adjustable rates, points, and buydowns—and keep in mind you can always refinance down the road. We’d be happy to refer you to a trusted mortgage professional who can outline your best options. SALES VOLUME WILL FALL AND INVENTORY WILL RISE It looks like the home-buying frenzy we experienced in recent years is behind us. While the desire to own a home remains strong, higher mortgage rates have made it unaffordable for a large segment of would-be buyers. Many economists expect the number of home sales to continue to decline this year, leading to an increase in listing inventory and days-on-market, or the time it takes to sell a home. But, there is a wide range when it comes to specifics. Economists at Fannie Mae forecast that total home sales will fall by around 20% this year before rising again by nearly 15% in 2024.7 National Association of Realtors Chief Economist Lawrence Yun projects a less extreme dip of 7% in 2023 with a rebound of 10% next year.8 Realtor.com Chief Economist Danielle Hale foresees something in between. “The deceleration in home sales is likely to continue as high home prices and mortgage rates limit the pool of eligible home buyers. We anticipate that existing home sales will decline another 14.1% in 2023.” She expects this drop in sales to lead to a nearly 23% increase in inventory levels this year, offering more choices for buyers who have struggled to find a home in the past.9 However, given the severe lack of housing supply, even with a double-digit increase, the market is expected to remain relatively tight and below pre-pandemic levels. Hale points out: “It’s important to keep historical context in mind. The level of inventory in 2023 is expected to fall roughly 15% short of the 2019 average.”9 What does it mean for you? &nbsp;If you’ve been frustrated by a lack of inventory in the past, 2023 may bring new opportunities for you to find the perfect home. And today’s buyers have more negotiating power than they’ve had in years. Contact us to find out about current and future listings that meet your criteria. If you’re hoping to sell, you may want to act fast; rising inventory levels will mean increased competition. We can help you chart the best course to maximize your profits, starting with a professional assessment of your home’s current market value. Reach out to schedule a free consultation. HOME PRICES WILL REMAIN RELATIVELY STABLE While some economists expect home prices to fall this year, many expect them to remain fairly stable. “For most parts of the country, home prices are holding steady since available inventory is extremely low,” said Yun at a November conference.8 Nationally, Yun expects the average median home price to tick up by 1% in 2023, with some markets experiencing greater appreciation and others experiencing declines.8 Economists at Fannie Mae offer a similar projection, forecasting a slight decrease in their Home Price Index of about 1.5%, year-over-year.7 Other experts foresee a larger fluctuation. Hale expects U.S. home prices to rise by 5.4% this year, while Morgan Stanley is forecasting a 7% drop from the peak in June 2022.9,10 Still, many economists agree that a housing market crash like the one we experienced in 2008 is highly unlikely. The factors that caused home prices to plunge during the Great Recession—specifically lax lending standards and a surplus of inventory—aren’t prevalent in our current market.10 Therefore, home values are expected to remain comparatively stable. What does it mean for you?&nbsp; It can feel scary to buy a home when there’s uncertainty in the market. However, real estate is a long-term investment that has been shown to appreciate over time. And keep in mind that the best bargains are often found in a slower market, like the one we’re experiencing right now. Contact us to discuss your goals and budget. We can help you make an informed decision about the right time to buy. And if you’re planning to sell this year, you’ll want to chart your path carefully to maximize your profits. Contact us for recommendations and to find out what your home could sell for in today’s market. RENT PRICES WILL CONTINUE TO CLIMB Affordability challenges for would-be buyers, inflationary pressures, and an overall lack of housing could continue to drive “above-average” rent price increases in much of the country.11 The Federal Reserve Bank of Dallas expects year-over-year rental price growth to tick up to 8.4% in May before moderating later in the year.12 According to Hale, “U.S. renters will continue to face challenges from limited supply and excess demand in the coming year that will keep upward pressure on rent growth. At a national level, we forecast rent growth of 6.3% in the next 12 months, somewhat ahead of home price growth and historical rent trends.”9 However, there are signs that the surge in rent prices could be tapering. According to Jay Parsons, head of economics for rental housing software company RealPage, there’s some evidence of a slowdown in demand. He predicts that market-rate rents will rise just 3.3% this year. Still, analysts agree that a return to lower pre-pandemic rental prices is unlikely.10 What does it mean for you? &nbsp;Rent prices are expected to keep climbing. But you can lock in a set mortgage payment and build long-term wealth by putting that money toward a home purchase instead. Reach out for a free consultation to discuss your options. And if you’ve ever thought about purchasing a rental property, now may be a perfect time. Call today to get your investment property search started. WE’RE HERE TO GUIDE YOU While national real estate forecasts can provide a “big picture” outlook, real estate is local. And as local market experts, we can guide you through the ins and outs of our market and the issues most likely to impact sales and drive home values in your particular neighborhood. If you’re considering buying or selling a home in 2023, contact us now to schedule a free consultation. We’ll work with you to develop an action plan to meet your real estate goals this year. The above references an opinion and is for informational purposes only.&nbsp; It is not intended to be financial, legal, or tax advice. Consult the appropriate professionals for advice regarding your individual needs. Sources: 
1.&nbsp;&nbsp;&nbsp;&nbsp; 
Forbes - <a href="https://www.forbes.com/advisor/investing/fed-funds-rate-history/">https://www.forbes.com/advisor/investing/fed-funds-rate-history/</a> 
2.&nbsp;&nbsp;&nbsp;&nbsp; 
Bankrate - <a href="https://www.bankrate.com/mortgages/will-mortgage-rates-go-up-in-december-2022/">https://www.bankrate.com/mortgages/will-mortgage-rates-go-up-in-december-2022/</a> 
3.&nbsp;&nbsp;&nbsp;&nbsp; 
Bankrate - <a href="https://www.bankrate.com/real-estate/housing-market-predictions-2023/">https://www.bankrate.com/real-estate/housing-market-predictions-2023/</a> 
4.&nbsp;&nbsp;&nbsp;&nbsp; 
Realtor.com - <a href="https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/">https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/</a> 
5.&nbsp;&nbsp;&nbsp;&nbsp; 
Mortgage Bankers Association - <a href="https://www.mba.org/docs/default-source/research-and-forecasts/forecasts/mortgage-finance-forecast-dec-2022.pdf?sfvrsn=b584bf7_1">https://www.mba.org/docs/default-source/research-and-forecasts/forecasts/mortgage-finance-forecast-dec-2022.pdf?sfvrsn=b584bf7_1</a> 
6.&nbsp;&nbsp;&nbsp;&nbsp; 
Fannie Mae - <a href="https://www.fanniemae.com/newsroom/fannie-mae-news/economy-still-expected-enter-and-exit-modest-recession-2023">https://www.fanniemae.com/newsroom/fannie-mae-news/economy-still-expected-enter-and-exit-modest-recession-2023</a> 
7.&nbsp;&nbsp;&nbsp;&nbsp; 
Fannie Mae - <a href="https://www.fanniemae.com/media/45801/display">https://www.fanniemae.com/media/45801/display</a> 
8.&nbsp;&nbsp;&nbsp;&nbsp; 
National Association of Realtors - <a href="https://www.nar.realtor/newsroom/nars-lawrence-yun-predicts-us-home-prices-wont-experience-major-decline-could-possibly-rise-slightly">https://www.nar.realtor/newsroom/nars-lawrence-yun-predicts-us-home-prices-wont-experience-major-decline-could-possibly-rise-slightly</a> 
9.&nbsp;&nbsp;&nbsp;&nbsp; 
Realtor.com - <a href="https://www.realtor.com/research/2023-national-housing-forecast/">https://www.realtor.com/research/2023-national-housing-forecast/</a> 
10.&nbsp;&nbsp; 
The New York Times - <a href="https://www.nytimes.com/2022/11/04/realestate/housing-market-interest-rates.html">https://www.nytimes.com/2022/11/04/realestate/housing-market-interest-rates.html</a> 
11.&nbsp;&nbsp; 
CNBC - <a href="https://www.cnbc.com/2022/09/28/how-much-higher-rent-will-go-in-2023-according-to-experts.html">https://www.cnbc.com/2022/09/28/how-much-higher-rent-will-go-in-2023-according-to-experts.html</a> 
12.&nbsp;&nbsp; 
Federal Reserve Bank of Dallas - <a href="https://www.dallasfed.org/research/economics/2022/0816">https://www.dallasfed.org/research/economics/2022/0816</a>

Real Estate Market Outlook for 2023

<div class="se-component se-image-container __se__float-right" contenteditable="false"><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228060359.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="180" data-size="," data-align="right" data-percentage="auto,auto" data-index="3" data-file-name="Agnet Helping Veterans 1.jpg" data-file-size="10805" data-origin="," style="transform: rotate(0deg) rotateY(180deg);"></figure></div>Home purchasing is a significant and often emotional life event for most people. For military veterans who have spent years moving from post to base, having a permanent residence might be a dream come true. And even though veteran homebuyers have access to a wide variety of programs and discounts designed to make the process less stressful and more manageable, the process of&nbsp;<a href="https://selling-sanantoniorealestate.com/military/" target="_blank" rel="noopener">buying a home as a veteran</a>&nbsp;is slightly different. It comes with its own set of unique challenges. So if you’re a veteran in the market for a new San Antonio home, it’s essential to know how to navigate the real estate market as a veteran, and that’s exactly what we’ll help you with here.<h2>How to easily navigate the real estate market as a veteran?</h2><div class="se-component se-image-container __se__float-left" contenteditable="false"><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228060804.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="" data-size="," data-align="left" data-percentage="auto,auto" data-index="4" data-file-name="Agent with veterans family 2.jpg" data-file-size="15766" data-origin="," style=""></figure></div>Military Veterans, especially those interested in obtaining a VA loan,&nbsp;face some distinctive challenges&nbsp;when it comes to the home-buying process. For instance, not all properties are eligible for VA loans, and not all lenders are conversant with the VA loan process. That’s why it’s important to do thorough research before even start browsing homes online.Because it can be difficult to navigate the real estate market as a veteran, we’ve consulted&nbsp;<a href="https://selling-sanantoniorealestate.com/military-real-estate-professional/" target="_blank" rel="noopener">experts in military real estate</a>&nbsp;and gathered useful strategies that will help you have a seamless and smooth experience. Now let’s get to work!<h3>#1 Have an experienced military real estate professional by your side</h3>It’s never a good idea to go house hunting on your own, even if you have some experience in it. An excellent real estate agent can help you navigate buying a home,&nbsp;from finding properties that meet your needs and budget to negotiating the purchase price and closing the deal.Working with a real estate expert is a strategy you don’t want to avoid, especially since you’re a veteran and the home-buying process comes with some specifics. That’s why it’s vital to hire an agent who has&nbsp;worked with veterans&nbsp;and has extensive knowledge of military real estate. Working with a professional familiar with the VA loan procedure is highly recommended because of the significant differences between VA loans and conventional mortgages.Having this in mind, it’s important not to rush your decision but thoroughly research San Antonio real estate agents and&nbsp;focus on the ones who specialize in working with veterans. Make sure to check out their&nbsp;<a href="https://selling-sanantoniorealestate.com/testimonials/" target="_blank" rel="noopener">client testimonials</a>&nbsp;and schedule a meeting with at least a few before making your final decision. It’s also a good idea to ask some of your former coworkers if they have someone to recommend.<h3>#2 Set a realistic budget</h3>Another important thing you should do is&nbsp;get your finances in order&nbsp;and determine your budget. It’s always a good idea to know how much you can afford before researching San Antonio listings online. This way, you can avoid potential disappointments, especially if you like the property and it turns out you can’t afford it.Also, remember that there are&nbsp;plenty of other costs related to buying a home. The purchase price is just one of them. Don’t forget the closing costs, and since you’ll be moving in Texas, there will be fees for hiring moving services, too. Why would you risk your safety or waste time when&nbsp;<a href="https://heavenlymove.com/services/" target="_blank" rel="noopener">experts can handle everything</a>&nbsp;at a very reasonable cost?<h3>#3 Understand the VA home loans</h3>Access to VA loans is the main difference between military real estate and standard one. Therefore, it’s important to understand what&nbsp;<a href="https://www.moneygeek.com/mortgage/va-home-loan/" target="_blank" rel="noopener">VA home loans</a>&nbsp;are and how you can make the most of them. The U.S. Department of Veterans Affairs guarantees a certain percentage of the loans made by private lenders to eligible veterans. In a nutshell, VA loans are&nbsp;government-backed mortgage loans that offer competitive interest rates and do not require a down payment.<div class="se-component se-image-container __se__float-right" contenteditable="false" style=""><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228060934.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="" data-size="," data-align="right" data-percentage="auto,auto" data-index="5" data-file-name="Understanding VA loans 3.jpg" data-file-size="11732" data-origin="," style=""></figure></div>If this is your first time buying a home, you can benefit greatly from VA financing. This type of mortgage has&nbsp;more lenient credit standards&nbsp;than a conventional mortgage, which is great news for folks who lack a lengthy credit history. Also, with a VA loan, you&nbsp;won’t have to pay for private mortgage insurance&nbsp;(PMI), which is often required for people who don’t have a 20% down payment.Using your military benefits and familiarizing yourself with the fundamentals of a VA home loan are only small parts of the larger mortgage procedure. That’s why you should&nbsp;consult a professional mortgage lender to figure out how to get the most out of your loan. Talk to your real estate agent, too, as they’ll have plenty of useful information to share, too.<h3>#4 Don’t neglect your credit score</h3><div class="se-component se-image-container __se__float-left" contenteditable="false"><figure style="margin: auto;"><img src="https://quicktours-static.s3.us-west-1.amazonaws.com/agent_richtext/20221228061048.jpg" alt="" data-rotate="" data-proportion="true" data-rotatex="" data-rotatey="" data-size="," data-align="left" data-percentage="auto,auto" data-index="6" data-file-name="Checking Credit Scores 4.jpg" data-file-size="11478" data-origin="," style="" origin-size="227,151"></figure></div>Although the credit standards for a VA loan are less stringent than those for a conventional mortgage, veterans should nonetheless pay close attention to this factor. Potential homeowners&nbsp;must have a positive credit history&nbsp;with more positive indicators than negative ones. It’s important to keep tabs on your credit score to make sure your recent actions are helping rather than damaging your standing. Simply visit AnnualCreditReport.com once in a while, and you’ll be able to get a free copy of your credit report.<h3>#5 Stabile employment status is crucial</h3>Stability, work, and income are crucial factors for qualifying for any mortgage, including a VA loan because they indicate to the lender how much house you can buy. Therefore,&nbsp;try not to let your job situation change while trying to buy a home. Lenders will view your decision to leave a solid career, even if you have another one lined up, with suspicion. If this is the case, your salary might not be sufficient to meet the specific loan requirements. In fact, even after you sign the paperwork, there are no guarantees you’re getting it. So,&nbsp;your loan eligibility could be revoked at any time if you make a career change.<h2>Wrapping up</h2>We hope that the strategies and tips we’ve prepared in this article help you navigate the real estate market as a veteran. However, there is no number of articles you can read or YouTube videos you can watch that can truly prepare you for the chaos that the real estate market can sometimes be. That’s why it’s crucial to&nbsp;<a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener">contact San Antonio experts in military real estate</a>&nbsp;who have extensive experience in working with veterans. This is the key to a successful and much less stressful home-buying process.&nbsp;Meta description:It can be challenging to navigate the real estate market as a veteran, and that’s why we’ve consulted experts and prepared tips for you.Photos used:<a href="https://www.pexels.com/photo/a-man-writing-on-white-board-8293743/">https://www.pexels.com/photo/a-man-writing-on-white-board-8293743/</a><a href="https://www.pexels.com/photo/a-woman-in-black-suit-jacket-holding-a-poster-7414907/">https://www.pexels.com/photo/a-woman-in-black-suit-jacket-holding-a-poster-7414907/</a><a href="https://www.pexels.com/photo/family-sitting-on-velvet-sofa-7642016/">https://www.pexels.com/photo/family-sitting-on-velvet-sofa-7642016/</a><a href="https://www.pexels.com/photo/real-estate-agent-giving-a-printed-document-to-a-buyer-8292793/">https://www.pexels.com/photo/real-estate-agent-giving-a-printed-document-to-a-buyer-8292793/</a>&nbsp;<div class="se-component se-image-container __se__float-start" contenteditable="false"><figure style="margin: auto; width: 100px;"><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Agent-with-veterans-family-2.jpg" alt="Jerry Newman San Antonio Tx Agent With Veterans Family 2" data-origin="100,1" data-proportion="true" style="width: 100px; height: 1px;" data-size="100px,1px" data-align="start" data-index="0" data-file-name="jerry-newman-san-antonio-tx-Agent-with-veterans-family-2.jpg" data-file-size="0"><figcaption></figcaption></figure></div><div style="text-align: start"><figure><figcaption> </figcaption></figure></div><div class="se-component se-image-container __se__float-start" contenteditable="false"><figure style="margin: auto; width: 100px;"><img src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-Checking-Credit-Scores-4.jpg" alt="Jerry Newman San Antonio Tx Checking Credit Scores 4" data-origin="100,1" data-proportion="true" style="width: 100px; height: 1px;" data-size="100px,1px" data-align="start" data-index="2" data-file-name="jerry-newman-san-antonio-tx-Checking-Credit-Scores-4.jpg" data-file-size="0"><figcaption></figcaption></figure></div><div style="text-align: start"><figure><figcaption> </figcaption></figure></div>

Strategies to Navigate the Real Estate Market as a Military Veteran

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available. Many first-time home buyers are only able to qualify for the government's FHA loan that required 3.5 percent down. Some lenders do offer a 3 percent down payment for a conventional loan, but higher credit scores are required.&nbsp;THE DOWNSIDEThe downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower your down payment, the more you’ll pay. You’ll also be offered a lesser loan amount than borrowers who have a 20-percent down payment, which will eliminate some homes from your search. There are even down payment assistance programs available for those who can qualify as long as funds are still available.&nbsp;THE UPSIDEThe national average for home appreciation is about five percent. The appreciation is independent from your home payment, so whether you put down 20 percent or three percent, the increase in equity is the same. If you’re looking at your home as an investment, putting down a smaller amount can lead to a higher return on investment, while also leaving more of your savings free for home repairs, upgrades, or other investment opportunities.&nbsp;THE HAPPY MEDIUMOf course, your home payment options aren’t binary. Most borrowers can find some common ground between the security of a traditional 20 percent and an investment-focused, small down payment. Your trusted&nbsp;<a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener" class="on">real estate professional</a>&nbsp;can provide some answers as you explore your financing options.&nbsp;&nbsp;

What You Need to Know about Down Payments

8 Strategies to Secure a Lower Mortgage Rate

If you’re buying or selling property in the San Antonio area, <a href="https://selling-sanantoniorealestate.com/about-me/" target="_blank" rel="noopener" class="on">Jerry Newman</a> is your real estate solution. Team up with Jerry today! (210) 789-4216If you are planning on moving out of state, you are probably stressing about it (if not a little, then a lot) because you probably have no clue what to expect when you arrive there. But you're also probably a little excited because it will be something new, especially if you are moving far out of state to a place with different weather, culture, scenery, etc. Nonetheless, if the nerves are still getting the better of you, real estate agent <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> shares some helpful tips on how to move out of state and make it look easy. <h2>Research your destination and how to find an online doctor</h2>If you're planning on moving many states away and can't go there physically to see what it's all about, then the next best thing you can do is do the necessary research online to try and find out as much as you can about your new town. You can look up a lot on Google itself, like using Google Maps, Google Images, etc. However, there are other helpful resources that will go into a lot more detail concerning what living in your new state is actually like. For example, if you would prefer to live in a quiet and peaceful town, then you could look it up on <a href="https://howloud.com/soundscore/" target="_blank" rel="noopener">howloud.com</a> to find out what the noise levels are. <a href="https://www.city-data.com/" target="_blank" rel="noopener">City-Data.com</a> is another helpful resource that goes into detail regarding all the things you want to know about a state, such as what the neighborhood is like, what the crime levels are like, what the schools are like, etc.Moving to a new city or state also requires finding a new doctor, something that’s easy to let lapse with all the activities and time invested in the move. Fortunately, thanks to telehealth, it’s <a href="https://plushcare.com/online-doctor/" target="_blank" rel="noopener">easy to schedule an online doctor appointment</a>. Using this service, you can connect with board-certified professionals to discuss everything from preventative care to prescriptions. Some services also offer urgent care plans that allow you to speak with a doctor as soon as possible. Having prompt and reliable access to a doctor means that your healthcare will continue both during and after the move.<h2>Choosing a place to stay</h2>This will probably be the most stressful part of planning your move because you will ideally want to move just once as you get used to the many other things you will need to adjust to. Suppose you don't want to make such a big decision immediately as far as purchasing a home goes. <a href="https://time.com/nextadvisor/mortgages/renting-vs-buying-a-home/" target="_blank" rel="noopener">Then renting might be the better option</a> as it gives you the time to look around for your dream home. On the other hand, it may just be easier to utilize the services of experienced real estate agent <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> to help you find a suitable property as quickly as possible. Of course, you’ll also want to look into details, such as if you’ll need a home warranty to cover your home and other essential appliances.<h2>Moving to Texas</h2>If you decided to move to Texas, you made a good choice as this family-friendly state is packed full of adventure and is affordable to live in. Furthermore, Trip101.com <a href="https://trip101.com/article/things-texas-is-famous-for" target="_blank" rel="noopener">notes that Texas has a thriving economy</a>, excellent schools, and superb weather. Plus, you're sure to make friends quickly as the people here are amicable and accommodating to locals and non-locals alike.<h2>Starting a business</h2>If starting a business has always been your dream, and you've decided that now is the time to do so, then don't forget to create a well-thought-out business plan to help improve your chances of success. Wave points out that <a href="https://www.waveapps.com/blog/entrepreneurship/importance-of-a-business-plan" target="_blank" rel="noopener">a business plan serves as your blueprint</a> to help guide you on your business journey and will contain the essential information that will give an overview of what your business is all about. Details that it should include are what the structure of your business will be, how you will obtain funding in the beginning stages to help your business grow, what your company mission is, a description of what your products or services are, what your financials are set to look like, etc.Undoubtedly, moving to a new state is going to be an adjustment. But it doesn’t necessarily have to be an unpleasant change, as it could turn out to be everything, you’re looking for but never knew you needed.Image via <a href="https://www.pexels.com/photo/black-toy-car-on-world-map-paper-21014/">Pexels</a>&nbsp;

Tips on How to Move out of State and Make it Easy

You’ve invested in a fixer-upper. You brought a property from being inhabitable to being one of the most attractive homes in the neighborhood, and now you don’t know what to do with it.Should you sell the property for an immediate boost of income? Or, should you hang onto it and establish a steady flow of passive income?The truth is many factors will determine which decision is right for you. You must evaluate your specific situation and figure out whether selling or renting will help you meet your long-term goals and vision. Below, <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener" class="on">Jerry Newman</a> of Brown Realty and Property Management covers all the topics that will influence your decision.<h2>Do You Want to Be a Landlord?</h2>First of all, think about all the factors involved in being a landlord. Are you sure you are cut out for the job? Do you even want to be a landlord?Rent Prep notes that you’re the boss and you have a lot of control when <a href="https://rentprep.com/property-management/landlord-responsibilities/" target="_blank" rel="noopener">overseeing and managing</a> a property. But with power comes responsibility. Better yet — responsibilities. It’s up to you to take care of all major repairs on the home and a lot of minor ones. If you’re short on cash at the moment, having to pay for labor and materials could put you in a bind.Also, you have to make sure you can afford to maintain the property inside and out. Landscaping services, replacing appliances, and regular design updates can take a toll on your investment property budget.If you plan to manage the property yourself, it will cost you a lot of time. In other words, being a landlord will cost you something no matter which path you take.That said, you may benefit from hiring a property manager to relieve you of some of your burdens. If you can budget for it, find a reputable property management company in the area to handle repairs, maintenance, rent collection, tenant background checks, and other duties.<h2>Have You Remodeled Enough?</h2>If you choose to rent out your home, you must make sure it’s in tip-top shape and includes modern features that appeal to a wide range of tenants. You may have already taken this into account and fully renovated and remodeled the home. If that’s your situation, you’re halfway to running an investment property successfully.If you still have a few changes to make before the property is ready to show, start researchingdesign ideas online and find local services that can get the job done on time.For instance, you can easily find a local contracting company to install a fence around the property. Just be sure to read online reviews and interview a few different companies before hiring someone. It costs an <a href="https://www.bobvila.com/articles/fence-installation-cost/#:~:text=National%20Average%3A%20%242%2C839&amp;text=On%20average%2C%20homeowners%20spend%20between,and%20%2450%20per%20linear%20foot." target="_blank" rel="noopener">average of $2,839</a> to put in a new fence according to Bob Vila, the total cost depending on the size and location of the fence, materials, and other factors.<h2>Be Business-Minded With Marketing, Including Using Banners</h2>Marketing is another responsibility that comes with being a landlord. Keep in mind that being a landlord essentially means that you’re a business owner, and you should treat your investment property venture as such.Along with creating a killer listing for your own website, real estate sites, and rental platforms, create a brand that distinguishes your property from others. If you enjoy renting out this home, you might pursue other investment properties down the road. You’ll need a unique and attractive visual identity for your empire!Look for DIY marketing tools to save money. Many technologies on the web can help you develop and execute a top-notch marketing strategy for your property. For instance, you can skip the professional design services and make a banner quickly with an online <a href="https://www.adobe.com/express/create/banner" target="_blank" rel="noopener">banner template</a>. Many banner makers are easy to use; you just choose a premade template and customize it with the design elements you have in mind. Then you can use the graphic on everything from printed marketing materials to social media and your website.<h2>When to Sell Your Newly Remodeled Home</h2>You may already have an idea of whether or not you want to rent or sell your investment property. But let’s quickly touch on a few clear signs you should sell:<h3>Now’s the Time to Sell</h3>If it’s currently a seller’s market, then it’s an <a href="https://bungalow.com/articles/what-is-a-sellers-market" target="_blank" rel="noopener">excellent time</a> to sell your investment home. Essentially, this means housing inventory is low and buyer demand is high.<h3>You’re Short on Cash</h3>If you’re more concerned with short-term goals and would like more cash up front, selling your investment property is the only way to achieve it.<h3>The Home Is Old</h3>Old houses tend to bring about a wide range of problems, many for which you can’t prepare. The cost of repairs and maintenance can quickly add up, not to mention add considerable stress to your life.<h3>You Can’t Charge Enough for Rent</h3>Take time to research and analyze rental and vacancy rates in your area. If you’re not able to charge what you need for rent, you might be better off selling the property.<h2>When to Rent Out Your Newly Remodeled Home</h2>Now, here are some indications that renting out your newly remodeled home is the best strategy:<h3>You’ve Always Wanted to Be a Landlord</h3>You’ve wanted to be a landlord since you were a young child. You daydreamed about it in middle school and still think about the prospect daily. Or, you just think you’ve got what it takes and that being a landlord would be cool. Either way, you’re probably suited to rent out your property.<h3>Rental Demand Is High</h3>When rental demand is high, you can <a href="https://ipropertymanagement.com/research/rental-vacancy-rate" target="_blank" rel="noopener">raise rental rates</a> and be more selective with tenants. And you won’t have to stress out as much about vacancies.<h3>The Home Has Great Amenities</h3>If your investment property has <a href="https://www.turbotenant.com/blog/rental-amenities/" target="_blank" rel="noopener">multiple amenities</a> that appeal to renters, it could spell success for your rental property. Short-term renters care more about swimming pool access, nearby activities and entertainment, and other features that vacationers would look for. Long-term tenants look for properties with good appliances, quality floors, close proximity to work and other daily activities, etc.<h3>You Know You Can Make Money</h3>You’ve been over the books and thoroughly analyzed your investment home. And you’ve concluded that you can absolutely make good money by renting it out. If you would like to earn passive monthly income, by all means, rent out that property!<h2>Conclusion</h2>The decision to sell or rent out your investment property requires you to consider many factors. But at the end of the day, it comes down to what you want to do and whether selling or renting gets you closer to your long-term financial and life goals.Keep researching the market and finding other ways to position your investment property venture for success. And remember to connect with a top-rated real estate pro like <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> if you decide to list your San Antonio property for sale! Team up with Jerry today by calling (210) 789-4216.Image via <a href="https://www.pexels.com/photo/white-couch-near-black-mat-259962/">Pexels</a>

Should You Sell or Rent Out Your Renovated Investment Home?

Whether you’re running a vacation home or a residential rental, being a property manager is a lot of work. As you set up the home and market it to renters, there are many details to consider, including your financial goals and long-term investment plan. Every investor’s property management approach is slightly different. Beginner real estate investors and first-time landlords need to be well-versed in the intricacies of rental property management to develop their own approach. If you’re new to all this, check out these great resources from&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty and Property Management</a>.<h2 style="text-align: start">How to Get Your Property Ready to Rent</h2>From insurance to renovations to kitchens, there’s a lot to consider when setting up your property for renters.<ul><li>Do I Need Homeowners or Landlord&nbsp;<a href="https://www.allstate.com/tr/home-insurance/homeowners-or-landlord-insurance.aspx" target="_blank" rel="noopener">Insurance for a Rental Property</a>?</li><li>18&nbsp;<a href="https://www.curbed.com/2017/5/12/15626862/home-improvement-apps-renovation-android-iphone" target="_blank" rel="noopener">Renovation Apps</a>&nbsp;to Know for Your Next Project</li><li>If the Kitchen Needs Remodeling,&nbsp;<a href="https://www.prolinerangehoods.com/rangehoodstyles/wall-mount-range-hood" target="_blank" rel="noopener">Remember These Quality</a>&nbsp;Wall Mount Range Hoods</li><li><a href="https://www.rentecdirect.com/blog/safety-checklist-for-rental-properties/" target="_blank" rel="noopener">Safety Checklist</a>&nbsp;for Rental Properties</li></ul><h2 style="text-align: start">Handling the Finances</h2>The financial aspect of property management can be tough to understand. Let these resources be your guide.<ul><li>State-by-State&nbsp;<a href="https://www.hostfully.com/regulations/" target="_blank" rel="noopener">Short-Term Rental Regulations</a></li><li>Should You&nbsp;<a href="https://www.columbiapm.com/pros-and-cons-of-creating-an-llc-as-a-rental-property-owner/" target="_blank" rel="noopener">Create an LLC For Your Rental Property</a>?</li></ul><h2 style="text-align: start">Setting Rent and Marketing the Property</h2><h4 style="text-align: start">After your property has been spruced up and you’ve gone over your finances, it’s time to think about pricing and marketing strategies.</h4><ul><li>How Do I Set a Rental Price for a&nbsp;<a href="https://homeguides.sfgate.com/set-rental-price-house-7132.html" target="_blank" rel="noopener">House</a>?</li><li>The 7 Best Ways to&nbsp;<a href="https://www.millionacres.com/real-estate-investing/articles/7-best-ways-market-your-vacation-rental-and-keep-it-booked/" target="_blank" rel="noopener">Market Your Vacation Rental</a>&nbsp;and Keep It Booked</li></ul><h2 style="text-align: start">Property Management Tools and Services</h2>Being a property manager is no simple job. It doesn’t hurt to have a few good tools, software, and services on hand for the tasks you need help with the most.&nbsp;Understanding the Importance of&nbsp;<a href="https://landlord-resources.theblueground.com/property-management/outsourcing-tasks/" target="_blank" rel="noopener">Outsourcing</a>: Here Are the Tasks You Should Hire Out<ul><li>Use Software to Help with&nbsp;<a href="https://quickbooks.intuit.com/payroll/" target="_blank" rel="noopener">Running Your Payroll</a>&nbsp;If You Have Employees</li><li>8&nbsp;<a href="https://www.lodgify.com/blog/cleaning-apps-vacation-rentals/" target="_blank" rel="noopener">Cleaning Apps</a>&nbsp;for Vacation Rental Businesses</li></ul>There’s a lot to do before you can start making money with your rental property. From preparing the home for rent to setting rates and marketing your rental, you’ll have your hands full for some time. Remember to hire out time-consuming tasks to experts who can help you succeed. With the right team and some useful automation apps and software on your side, you’ll have a much easier time launching your first rental property.Finding the right property for your first rental may require some professional assistance.&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty and Property Management</a>&nbsp;can help you locate the right one for you. Call 210-789-4216 ?Photo via&nbsp;<a href="https://pixabay.com/photos/real-estate-for-rent-rented-3297625/">Pixabay</a> ?

Your Survival Guide For Managing Your First Rental Property

The decision of whether to invest in a starter home in San Antonio or wait and buy a forever home depends on several factors, both financial and personal. It’s easier to decide when considering the pros and cons.<h2>Moving Into Greener Pastures</h2>You’re getting ready to take the next big step in&nbsp;<a href="https://www.merriam-webster.com/dictionary/the%20American%20dream#:~:text=Definition%20of%20the%20American%20dream,were%20living%20the%20American%20dream." target="_blank" rel="noopener">living the American dream</a>&nbsp;by jumping in with both feet into the status of homeownership.&nbsp;<a href="https://policyadvice.net/insurance/insights/home-ownership-statistics/" target="_blank" rel="noopener">Only two-thirds</a>&nbsp;of the US population are current homeowners, and this figure drops to one-third for adults under the age of 34. The first step of deciding on a home is determining whether you’re&nbsp;going to move into a starter home or a forever home.<h2>Pros and Cons of Buying a Starter Home</h2>Starter houses are typically two bedrooms or fewer, and most people only live in them for two to five years. The average price difference between a two and a three-bedroom house is&nbsp;<a href="https://jaredclemence.com/real-estate/home-buyers/myth-busted-3-bedroom-houses-have-better-resale-value-than-2-bedroom-houses/#:~:text=2%2Dbedroom%20houses%20cost%20less,3%2Dbedroom%20house%20was%20%24241%2C907." target="_blank" rel="noopener">approximately $20,000</a>, making smaller homes more budget-friendly. Your starter home can be a future investment as a rental property or resold as you move on to your permanent dwelling. Smaller starter homes require less housekeeping and maintenance, adding to your cost savings.On the other hand, starter homes are smaller and, depending on your family size and mode of living, can feel cramped. A starter home is also typically a bit older than a forever home. Many are known as fixer-uppers because they require repairs. Lastly, starter homes are becoming harder to sell because millennials believe the cost of homes is too expensive and&nbsp;<a href="https://www.businessinsider.com/starter-home-price-expensive-own-rent-2019-7" target="_blank" rel="noopener">are renting longer</a>&nbsp;to save up and buy a forever home.<h2>Pros and Cons of Buying a Forever Home</h2>The&nbsp;<a href="https://www.rocketmortgage.com/learn/starter-home-or-forever-home" target="_blank" rel="noopener">average age of people</a>&nbsp;who purchase a four-bedroom forever home is 33 to 37, and the main appeal is that they are planning to settle in for the long term. Staying for the long haul allows them to set up roots in the community and offer stability to their children. Forever homes in San Antonio are more spacious and have more amenities than starter homes, allowing you to have all the designs and features you desire.The biggest obstacle to buying a forever home is the cost. It will take you longer to build up a down payment, and the monthly mortgage will put a bigger dent in your budget. A forever home is meant to be long-term and has&nbsp;<a href="https://www.fortunebuilders.com/starter-home/" target="_blank" rel="noopener">a slower ROI</a>, meaning it takes longer for your home to increase in value. Another downfall is that a larger house and yard have higher upkeep and utility costs.<h2>Protecting Your Home Against Peril</h2>Homeowner’s insurance is crucial to protect you against perils that damage the structure of your home. The average cost for home insurance is $1,250 per year, but your exact rate depends on your home’s value. Most homeowners will&nbsp;<a href="https://www.usnews.com/insurance/homeowners-insurance/things-to-know-when-buying-homeowners-insurance" target="_blank" rel="noopener">escrow their insurance</a>&nbsp;and pay their premiums through the mortgage company. So&nbsp;<a href="https://www.ahs.com/home-warranty/are-home-warranties-worth-it/" target="_blank" rel="noopener">is it worth it to&nbsp;</a><a href="https://www.ahs.com/home-warranty/are-home-warranties-worth-it/">have home</a><a href="https://www.ahs.com/home-warranty/are-home-warranties-worth-it/">&nbsp;warranty</a>? Home warranties will&nbsp;<a href="https://www.usnews.com/360-reviews/services/home-warranty/how-to-buy-home-warranty#:~:text=To%20determine%20if%20you%20need,and%20tear%20or%20cosmetic%20issues." target="_blank" rel="noopener">cover appliances and home systems</a>&nbsp;when they need repairs.<h2>What Will Your New Home Be?</h2>Buying your first home is a major decision you’ll make in your adult life. A starter home can turn into a sound investment over the years while you save for your dream home, but a forever home offers the security of permanence.&nbsp;<a href="https://selling-sanantoniorealestate.com/resources/" target="_blank" rel="noopener">Enlisting aid</a>&nbsp;from a professional at San Antonio Real Estate can help you figure out your options. 
 Image via <a href="https://www.pexels.com/photo/real-estate-agent-giving-the-keys-to-the-buyer-7642008/">Pexels</a>

Weighing In on a Starter or Forever Home

San Antonio is a bustling city.&nbsp; It’s the second-most populous city in Texas, and it’s also one of the more prosperous large cities in the US! San Antonio is a hub of economic development with a large number of businesses that draw professionals to the community. For entrepreneurs looking to start a new business, San Antonio is an excellent location for consideration.<h2>Cost of Living in the San Antonio Area</h2>The overall <a href="https://www.bestplaces.net/city/texas/san_antonio" target="_blank" alt="cost of living">cost of living</a> in the City of San Antonio is lower than the national average. Fortunately, that means there are many areas that are affordable. Bexar County, where San Antonio resides, while still higher than the state average, has a lower cost of living compared to the city, and may be a better place to live and start a business.Should you choose to live in the Greater San Antonio area, it’s important to choose a local realtor you can trust. <a href="https://selling-sanantoniorealestate.com/" target="_blank" alt="Jerry Newman of Brown Realty">Jerry Newman of Brown Realty</a> is an experienced, licensed real estate professional capable of assisting you in your search for a new home in the area.<h2>Higher Education</h2>Having an educated workforce is a boon to any company. When starting up your business, it may be difficult to source candidates from across the country, therefore having access to quality candidates from good schools nearby can make a big difference. San Antonio is centrally located near numerous colleges, trade schools, and universities. &nbsp;<a href="https://www.niche.com/colleges/search/best-colleges/m/san-antonio-metro-area/" target="_blank" alt="Schools">Schools</a> in the area include:
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
Trinity University
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
St. Mary’s University
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
University of the Incarnate Word
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
University of Texas - San Antonio
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
Texas Lutheran University<h2>Importance of a Strong Business Community &nbsp;</h2>A strong business community helps entrepreneurs learn from one another and discover what makes existing businesses in the area successful. Joining a business association also provides networking opportunities, provides personal and social advantages, and provides access to educational opportunities and materials. Local business associations and organizations include:
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://www.sachamber.org/" target="_blank" alt="Chamber of Commerce">Chamber of Commerce</a>
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://www.sahcc.org/" target="_blank" alt="Hispanic Chamber of Commerce">Hispanic Chamber of Commerce</a>
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://www.salgbtchamber.org/" target="_blank" alt="LGBT Chamber of Commerce">LGBT Chamber of Commerce</a>
•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 
San Antonio <a href="https://sawomenschamber.org/" target="_blank" alt="Women’s Chamber of Commerce">Women’s Chamber of Commerce</a><h2>Getting Started</h2>Creating a checklist can make it easier to get started with a new business in San Antonio. Start by <a href="https://www.businessnewsdaily.com/5680-simple-business-plan-templates.html" target="_blank" alt="creating a business plan">creating a business plan</a> that lays out a blueprint for your business over the next three to five years. Also, be sure to determine the legal structure and formation. A corporation offers important <a href="https://texashappens.com/incorporating-in-texas/">legal and tax advantages</a>, including protecting your personal assets, easier access to capital, and enhancing your business credibility. You’ll want to apply for your EIN number, register for taxes, apply for local business licenses and permits, and open a business account.Next, you should consider the marketing place for your new business. If you don’t have a logo, you can create a logo <a href="https://www.adobe.com/express/create/logo" target="_blank" alt="using a logo design maker online">using a logo design maker online</a> and save money. For additional help on developing your company presence, connect with a freelancer designer or work with a marketing agency for a la carte website design, graphic design, SEO, and website hosting.&nbsp;Establishing an identifiable brand is critical to success.The Greater San Antonio area can be the perfect place to set up shop for your new business. With so many resources available, you can start out on the right foot and settle into this bustling, vibrant community. Check out this <a target="_blank" href="https://www.logodesign.net/ultimate-guide-designing-advertising-logos" alt="Guide to Designing Advertising Logos">Guide to Designing Advertising Logos</a>.&nbsp;Jerry Newman<a href="https://selling-sanantoniorealestate.com/" target="_blank" alt="Jerry Newman"></a>, your San Antonio, TX Real Estate agent can help you find your perfect home. Learn about San Antonio, TX neighborhoods, San Antonio, TX suburbs, and the best places to live in San Antonio, TX.For more information, please visit his website or <a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" alt="contact him">contact him</a> today!<span style="font-size:12.0pt;font-family:&quot;Cambria&quot;,serif; mso-fareast-font-family:Cambria;mso-bidi-font-family:Cambria;color:black; mso-ansi-language:EN-US;mso-fareast-language:EN-US;mso-bidi-language:AR-SA">Image via <a href="https://www.pexels.com/photo/cheerful-surprised-woman-sitting-with-laptop-3762940/">Pexels</a> <h1> </h1>

Choosing San Antonio to Start a Business

<div style="letter-spacing:normal!important;width:485px!important; padding:0 40px!important; font-family:Arial,sans-serif!important;"> <ul style="letter-spacing:normal!important;list-style:none!important;margin:0 0 30px!important;padding-left:0;float:left;width:485px;font-family:Arial,sans-serif!important;"> <li style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;display:block;vertical-align:baseline!important;padding:30px 0!important; border-bottom:1px solid #ebf0f2!important; color:#777!important; font-size:12px!important; line-height:20px!important;float:left;width:485px;"> <div style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;position:relative!important; float:left!important; width:179px!important;"> <a href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/best-time-to-buy-refrigerator/" style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;color:#16a8d3!important; text-decoration:none!important;"> <img style="border:0 none;" src="https://static.houselogic.com/content/images/sized/article_4-things-smart-homeowners-always-know-to-do-in-may_dd9603f52a3df888ea9169f0d921ad53_3x2_jpg_168x112_q85.jpg" alt="" title="4 Things Smart Homeowners Always Know to Do in May" /> </a> </div> <h3 style="letter-spacing:normal!important;font-family:Arial,sans-serif!important;float:left;width:306px;margin:0; font-size:16px!important; font-weight:bold!important; padding-bottom:16px;"><a style="color:#16a8d3!important; text-decoration:none!important;" href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/best-time-to-buy-refrigerator/" target="_blank">4 Things Smart Homeowners Always Know to Do in May</a></h3> Like buying a fridge or mattress when the savings are the biggest. <a target="_blank" style="color:#16a8d3!important; text-decoration:none!important;" href="https://www.houselogic.com/organize-maintain/home-maintenance-tips/best-time-to-buy-refrigerator/">Read</a> <div style="clear:both;"></div> </li> </ul> <div style="float:left;width:485px;"> Visit <a style="color:#16a8d3!important; text-decoration:none!important;" href="https://www.houselogic.com">houselogic.com</a> for more articles like this. © Copyright 2022 NATIONAL ASSOCIATION OF REALTORS® </div> </div>

Tips for Homeowners

Moving is a big undertaking, especially if you&rsquo;re managing other responsibilities at the same time. For instance, if you want to launch a business from home, but your current home lacks the necessary space, you may be searching for a new property while getting your company off the ground. House hunting in San Antonio with <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> can help you find the right property, and the following tips will enable you to open your business in your new home!
Secure Adequate Funding
Naturally, moving can be quite expensive&mdash;and so can starting a business. Some businesses aren&rsquo;t profitable right away, and even if you would have very little overhead, you will need to find a way to cover your startup costs. This can be especially tough if your business is already stretched by business expenses.
You&rsquo;ll definitely need to use an app to track your personal and business finances. One that incorporates a <a href="https://plaid.com/products/transactions/" target="_blank" rel="noopener">transaction details API</a> will enable you to look at up to 24 months of transactions. This should keep you clear of any surprises.
If financing is a concern for you, you may want to look into applying for business grants. Some entrepreneurs become frustrated while searching for grants because finding grants that you&rsquo;re eligible for can be tough. But there are a few things you can do to make it easier! For instance, you can create a solid business plan, research available local grants, seek out grants that are specifically geared towards your industry, and put your applications together well before the deadlines.
The Home Buying Process
To start looking for homes, you&rsquo;ll need to work with a great realtor who understands your needs as an aspiring business owner. Talk to them about what you&rsquo;re looking for in a property and what kind of neighborhood you hope to live in.
As you look for a home, you&rsquo;ll want to keep an eye out for key features that will make it easier for you to run your business. Global Banking and Finance <a href="https://www.globalbankingandfinance.com/six-features-your-house-needs-if-you-work-from-home/" target="_blank" rel="noopener">states</a> that remote workers often benefit from having a sizable home office, a spacious kitchen, plenty of natural light, and visible greenery. You could also search for a home with a finished basement that you could use as an office or storage space!
Navigating Your Move
To save yourself time as you get ready to move, it&rsquo;s a good idea to hire movers. Even if you could pack up your house and relocate your belongings on your own, working with movers will free up time in your <a href="https://www.movers.com/moving-guides/how-to-manage-your-time-during-a-move.html" target="_blank" rel="noopener">schedule</a> to focus on your business instead. In order to choose the right movers, Faze <a href="https://faze.ca/essential-questions-to-ask-before-hiring-movers/" target="_blank" rel="noopener">recommends</a> asking several moving companies for breakdowns of their price quotes so that you can see all of the services you&rsquo;ll be paying for.
Launching Your Business
You&rsquo;ve put together a business plan, you&rsquo;ve brought in some grant money, and now, you&rsquo;re in your new home&mdash;it&rsquo;s time to officially <a href="https://www.usa.gov/start-business" target="_blank" rel="noopener">launch your business</a>! You can start by <a href="https://blog.allstate.ca/7-easy-and-affordable-tips-to-make-an-appealing-home-office/" target="_blank" rel="noopener">setting up</a> a home office. You&rsquo;ll need a desk, a supportive chair, lighting, tools for storing paperwork and office supplies, and decor to liven up the space. Keep a wastebasket in your office to dispose of any clutter. Once you&rsquo;ve established your office, you can start marketing your products and services and finding your very first customers. When you have plenty of room, running a home-based business is much easier, and you&rsquo;ll be able to make progress quickly towards your goals.
Consider using a monthly planner template to <a href="https://miro.com/templates/monthly-planner/" target="_blank" rel="noopener">organize your time</a> and define objectives and goals. Simply add events and tasks to your calendar and add visuals like images and your company logo.
If you&rsquo;ve realized that you&rsquo;ll need to move in order to achieve your dream of running a small business from your home, you might be stressed about your long to-do list. But with a plan, moving and becoming a business owner is manageable. Soon, you&rsquo;ll be running your business comfortably from your new home!
When you&rsquo;re ready to find your dream San Antonio-area home, <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> offers local expertise and exceptional service. Call (210) 789-4216 today!
Photo via <a href="https://www.pexels.com/photo/man-smiling-while-holding-a-box-5025638/">Pexels</a>

How do you balance starting a business and moving at the same time?

How to Balance Starting a Business and Moving

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<article class="post-1000803 post type-post status-draft format-standard category-blog entry" aria-label="Hedge Against Inflation With These 3 Real Estate Investment Types">
<div class="entry-content">
The annual inflation&nbsp;rate in the United States is currently around 7.5%&mdash;the highest it has been since 1982.1&nbsp;It doesn&rsquo;t matter if you&rsquo;re a cashier, lawyer, plumber, or retiree; if you spend U.S. dollars, inflation impacts you.
Economists expect the effects of inflation, like a higher cost of goods, to continue.2&nbsp;Luckily, an investment in real estate can ease some of the financial strain.
Here&rsquo;s what you need to know about inflation, how it impacts you, and how an investment in real estate can help.
WHAT IS INFLATION AND HOW DOES IT IMPACT ME?
Inflation is a decline in the value of money. When the rate of inflation rises, prices for goods and services go up. Therefore, a dollar buys you a little bit less with every passing day.
The consumer price index, or CPI, is a standard measure of inflation. Based on the latest CPI data, prices increased 7.5% from January 2021 to January 2022.1&nbsp;A little bit of inflation is considered healthy for the economy, but 7.5% in a single year is high.
How does inflation affect your life? Here are a few of the negative impacts:
<ul>
<li>Decreased Purchasing Power</li>
</ul>
We touched on this already, but as prices rise, your dollar won&rsquo;t stretch as far as it used to. That means you&rsquo;ll be able to purchase fewer goods and services with a limited budget.
<ul>
<li>Increased Borrowing Costs</li>
</ul>
In an effort to curb inflation, the Federal Reserve is expected to raise the federal funds rate. Therefore, consumers are likely to pay a higher interest rate on new mortgages, car loans, and variable-rate credit cards.3
&nbsp;Lower Standard of Living
Wage growth tends to lag behind price increases. According to Moody Analytics, when adjusted for inflation, average weekly earnings in January were down 3.1% from a year earlier.4&nbsp;As such, life is becoming less affordable for everyone. Inflation can force those on a fixed income, like retirees, to make lifestyle changes and prioritize essentials.
<ul>
<li>Eroded Savings</li>
</ul>
If you store all your savings in a bank account, inflation is even more damaging. As of February 2022, the national average interest rate for a savings account is 0<a href="https://www.bankrate.com/banking/savings/average-savings-interest-rates/">.</a>06%, not nearly enough to keep up with inflation. And economists don&rsquo;t expect that rate to go much higher.3
One of the best ways to mitigate these effects is to find a place to invest your money other than the bank. Even though interest rates are expected to rise, they&rsquo;re unlikely to get high enough to beat inflation. If you hoard cash, the value of your money will decrease every year and more rapidly in years with elevated inflation.
REAL ESTATE: A PROVEN HEDGE AGAINST INFLATION
So where is a good place to invest your money to protect (hedge) against the impacts of inflation? There are several investment vehicles that financial advisors traditionally recommend, including:
<ul>
<li>Stocks</li>
</ul>
Some people invest in stocks as their primary inflation hedge. However, the stock market can become volatile during inflationary times, as we&rsquo;ve seen in recent months.5
&nbsp;Commodities
Commodities are tangible assets, like oil, livestock, and minerals. The theory is that the price of commodities should climb alongside inflation. But the classic choice&ndash;gold&ndash;hasn&rsquo;t risen consistently during periods of inflation since the 1970s, according to data from Morningstar Direct.6
<ul>
<li>Inflation-Indexed Bonds</li>
</ul>
Treasury inflation-protected securities, or TIPS, are U.S. government-issued bonds that are indexed to the inflation rate. Bonds are considered low risk, but the returns they offer are generally low, as well.7 
Real Estate 
<ul>
<li>Real estate prices across the board tend to rise along with inflation and often rise faster than inflation.8&nbsp;That&rsquo;s one of the reasons demand for real estate is soaring right now.9</li>
</ul>
We believe real estate is the best hedge against inflation. Owning real estate does more than protect your wealth&mdash;it can actually make you money. For example, home prices rose nearly 17% from 2020 to 2021, 10% ahead of the 7% inflation that occurred in the same timeframe.10
Plus, certain types of real estate investments can help you generate a stream of passive income. In the past year, property owners didn&rsquo;t just avoid the erosion of purchasing power caused by inflation; they got ahead.
TYPES OF REAL ESTATE INVESTMENTS
Though there are myriad ways to invest in real estate, there are three basic investment types that we recommend for beginner and intermediate investors. Remember that we can help you determine which options are best for your financial goals and budget.
<ul>
<li>Primary Residence</li>
</ul>
If you own your home, you&rsquo;re already ahead. The advantages of homeownership become even more apparent in inflationary times. As inflation raises prices throughout the economy, the value of your home is likely to go up concurrently. At the same time, you&rsquo;ve locked in a set mortgage payment for the next 30 years, so you&rsquo;ll be immune to rising rental costs.
If you don&rsquo;t already own your primary residence, homeownership is a worthwhile goal to pursue.
Though the task of saving enough for a down payment may seem daunting, there are several strategies that can make homeownership easier to achieve. If you&rsquo;re not sure how to get started with the home buying process, contact us. Our team can help you find the strategy and property that fits your needs and budget.
Whether you already own a primary residence or are still renting, now is a good time to also start thinking about an investment property. The types of investment properties you&rsquo;ll buy as a solo investor generally fall into two categories: long-term rentals and short-term rentals.
<ul>
<li>Long-Term (Traditional) Rentals</li>
</ul>
A long-term or traditional rental is a dwelling that&rsquo;s leased out for an extended period. An example of this is a single-family home where a tenant signs a one-year lease and brings all their own furniture.
Long-term rentals are a form of housing. For most tenants, the rental serves as their primary residence, which means it&rsquo;s a necessary expense. This unique quality of long-term rentals can help to provide stable returns in uncertain times, especially when we have high inflation.
To invest in a long-term rental, you&rsquo;ll need to budget for maintenance, repairs, property taxes, and insurance. You&rsquo;ll also need to have a plan for managing the property. But a well-chosen investment property should pay for itself through rental income, and you&rsquo;ll benefit from appreciation as the property rises in value.
We can help you find an ideal long-term rental property to suit your budget and investment goals. Reach out to talk about your needs and our local market opportunities.
<ul>
<li>Short-Term (Vacation) Rentals</li>
</ul>
Short-term or vacation rentals function more like hotels in that they offer temporary accommodations. A short-term rental is defined as a residential dwelling that is rented for 30 days or less. The furniture and other amenities are provided by the property owner, and today many short-term rentals are listed on websites like Airbnb and Vrbo.
&nbsp;A short-term rental can potentially earn you a higher return than a long-term rental, but this comes at the cost of daily, hands-on management. With a short-term rental, you&rsquo;re not just entering the real estate business; you&rsquo;re entering the hospitality business, too.
Done right, short-term rentals can be both a hedge against inflation and a profitable source of income. As a bonus, when the home isn&rsquo;t being rented you have an affordable vacation spot for yourself and your family!
Contact us today if you&rsquo;re interested in exploring options in either the long-term or short-term rental market. Mortgage rates are expected to rise, so you&rsquo;ll want to act fast to maximize your investment return.
WE&rsquo;RE INVESTED IN HELPING YOU
Inflation is a fact of life in the U.S. economy. Luckily, you can prepare for inflation with a carefully managed investment portfolio that includes real estate. Owning a primary residence or investing in a short-term or long-term rental will help you both mitigate the effects of inflation and grow your net worth, which makes it a strategic move in our current financial environment.
If you&rsquo;re ready to invest in real estate to build wealth and protect yourself from rising inflation,&nbsp;<a href="https://selling-sanantoniorealestate.com/about-me/" target="_blank" rel="noopener">contact us</a>. Our team can help you find a primary residence or investment property that meets your financial goals.
&nbsp;
The above references an opinion and is for informational purposes only.&nbsp; It is not intended to be financial advice. Consult the appropriate professionals for advice regarding your individual needs.
Sources:
<ol>
<li>Bloomberg &ndash; <a href="https://www.bloomberg.com/news/articles/2022-02-10/u-s-inflation-charges-higher-with-larger-than-forecast-gain">https://www.bloomberg.com/news/articles/2022-02-10/u-s-inflation-charges-higher-with-larger-than-forecast-gain</a></li>
<li>CNN &ndash; <a href="https://www.cnn.com/2022/01/01/economy/inflation-prices-2022-preview/index.html">https://www.cnn.com/2022/01/01/economy/inflation-prices-2022-preview/index.html</a></li>
<li>CNBC &ndash; <a href="https://www.cnbc.com/2022/01/26/the-fed-sets-the-stage-for-a-rate-hike-heres-what-that-means-for-you.html">https://www.cnbc.com/2022/01/26/the-fed-sets-the-stage-for-a-rate-hike-heres-what-that-means-for-you.html</a></li>
<li>Reuters &ndash; <a href="https://www.reuters.com/business/us-consumer-prices-rise-strongly-january-weekly-jobless-claims-fall-2022-02-10/">https://www.reuters.com/business/us-consumer-prices-rise-strongly-january-weekly-jobless-claims-fall-2022-02-10/</a></li>
<li>NBC News &ndash; <a href="https://www.nbcnews.com/business/markets/market-slide-dow-falls-700-points-sp-enters-correction-territory-rcna13304">https://www.nbcnews.com/business/markets/market-slide-dow-falls-700-points-sp-enters-correction-territory-rcna13304</a></li>
<li>CNBC &ndash; <a href="https://www.cnbc.com/2021/12/20/gold-is-losing-its-status-as-an-inflation-hedge-two-traders-warn.html">https://www.cnbc.com/2021/12/20/gold-is-losing-its-status-as-an-inflation-hedge-two-traders-warn.html</a></li>
<li>Morningstar &ndash; <a href="https://www.morningstar.com/articles/1079158/why-are-inflation-protected-bond-funds-losing-money">https://www.morningstar.com/articles/1079158/why-are-inflation-protected-bond-funds-losing-money</a></li>
<li>The Washington Post &ndash; <a href="https://www.washingtonpost.com/business/2022/01/04/heres-how-inflation-could-affect-your-next-real-estate-move/">https://www.washingtonpost.com/business/2022/01/04/heres-how-inflation-could-affect-your-next-real-estate-move/</a></li>
<li>Bloomberg &ndash; <a href="https://www.bloomberg.com/news/articles/2022-01-24/is-real-estate-a-good-investment-hedge-against-inflation-what-the-experts-say">https://www.bloomberg.com/news/articles/2022-01-24/is-real-estate-a-good-investment-hedge-against-inflation-what-the-experts-say</a></li>
<li>CNN &ndash; <a href="https://www.cnn.com/2022/01/20/homes/us-nar-home-sales-december-and-2021/index.html">https://www.cnn.com/2022/01/20/homes/us-nar-home-sales-december-and-2021/index.html</a></li>
</ol>
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Real Estate as an investment resource during times of inflation.

Hedge Against Inflation With These 3 Real Estate Investment Types

As millions of Americans continue to work remotely, increasing location freedom, many have considered investing in a rental property for some extra income. Our experts at Bankrate created a guide on how to acquire and establish a rental property, whether it&rsquo;s a sound investment for your lifestyle, and all other financial implications involved in the process. Take a look at this <a href="https://www.bankrate.com/mortgages/how-to-establish-a-rental-property/" target="_blank" rel="noopener">Guide on How to Invest in Rental Properties</a>.&nbsp;

Quick reference guide to investing in rental properties

Guide to Investing in Rental Properties for Extra Income

<div class="entry-content">
Realtors like&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">San Antonio Real Estate</a>&nbsp;know a lot about running a business from home and even more about what kind of home is best for managing a business, taking both size and location into consideration. Here are some ideas they have for creating the safest and most inviting spaces for greeting guests into your home office.
&nbsp;The world&rsquo;s richest man, Jeff Bezos, started Amazon from a garage in a house he was renting in the suburbs of Seattle. We hear a<a href="https://www.cnbc.com/2021/02/03/jeff-bezos-built-a-1point6-trillion-company-from-nothing-heres-the-legacy-he-leaves-behind.html" target="_blank" rel="noopener">&nbsp;story&nbsp;</a>like that and it&rsquo;s no wonder we want to own and manage our own company. And it&rsquo;s not just Amazon&mdash;Hershey, Mary Kay, and even the Ford Motor Company all began as home-based small businesses. This is not to say yours will become a trillion or even billion-dollar conglomerate, but the appeal of having control over every aspect of your business is a siren song for anyone who&rsquo;s dreamed of starting their own enterprise.
However, today&rsquo;s entrepreneurs may benefit from the current, home-business friendly landscape, other difficulties must be addressed, difficulties that previous home startups did not. Apple, Ben &amp; Jerry&rsquo;s, and Walt Disney did not have to consider&nbsp;<a href="https://www.cdc.gov/coronavirus/2019-ncov/community/workplaces-businesses/index.html" target="_blank" rel="noopener">CDC rules</a>&nbsp;for how to accommodate clients in the middle of a pandemic.
If your home is where you greet clients, customers, or vendors, you&rsquo;ll have to consider their safety as well as your own.
Keeping a clean and uncluttered space is priority number one. If you find yourself too busy to keep things as neat and tidy as your clients expect, invest in a cleaning service. It&rsquo;s not a luxury, it&rsquo;s a legitimate business expense as much as your internet service is. To add another layer to that, keeping your environment free from the spread of Covid is something a&nbsp;<a href="https://www.servpro.com/resources/specialty-cleaning/coronavirus" target="_blank" rel="noopener">professional service&nbsp;</a>is better equipped to handle than you. In between those cleaning services, you&rsquo;ll be responsible for ensuring the areas your clients will use are sanitized after each visit. Wipe down things like doorknobs, stair handrails, and chairs with disinfectant wipes. If your client used the restroom while visiting, wipe down all the surfaces they may have come in contact with. Keeping windows open, having masks available, and installing UV filters for the HVAC are important measures to take to prevent the spread of viruses.
Use natural lighting as much as possible by having drapes open to allow sunlight in and give the space a more open feel. That isn&rsquo;t only for your office area, but for any part of your home that your guests will access. Proper lighting also helps to prevent accidents by giving everyone a full view of their surroundings.&nbsp;<a href="https://www.rugknots.com/blogs/professional-cleaners/best-ways-secure-oriental-rugs-hardwood-floors" target="_blank" rel="noopener">Tacking down rugs</a>&nbsp;to avoid having them be tripping obstacles, as well as cords and wires being kept out of the way, are critical safety points that cannot be overlooked.
Your space should be as aesthetically pleasing as any office in a high-rise building, and in fact, it&rsquo;s easier to make it even more so when your office is in your home. You can add some comfort touches to make your client feel more at ease as long as you don&rsquo;t go overboard, after all, it is a business and not a coffee klatch. Having a<a href="https://thelittlebotanical.com/guide-to-the-best-office-plants/" target="_blank" rel="noopener">&nbsp;plant</a>&nbsp;or two is restful and can add an elegant look. Just be sure there are no brown or drooping stems and leaves since that gives the impression of neglect. For that same reason, the furnishings themselves should be free of stains or tears.&nbsp;<a href="https://www.officedepot.com/a/browse/reception-seating/N=5+593139/" target="_blank" rel="noopener">Seating</a>&nbsp;should be comfortable but easy to clean and maintain. Having interesting pieces of&nbsp;<a href="https://www.lumas.com/home-office/" target="_blank" rel="noopener">artwork on the wall</a>&nbsp;that reflect your personality and your passion can be both a conversation starter and tell your clients a little more about you. Adding some interesting and clever pieces that define your business is smart, too. This is especially true if your meetings are virtual. Having a well-designed image of your company situated behind you during a call is a great marketing tool and a top-of-mind reminder of you and your&nbsp;<a href="https://www.forbes.com/sites/forbesagencycouncil/2016/10/31/why-brand-image-matters-more-than-you-think/?sh=5195d29c10b8" target="_blank" rel="noopener">company brand</a>&nbsp;to all the other participants.
When possible, however, try to do as much offsite as possible. It isn&rsquo;t necessary to bring your vendors in to see you when you can take care of a lot of those needs with online resources. You can easily&nbsp;<a href="https://www.adobe.com/express/create/label" target="_blank" rel="noopener">design your own product labels</a>&nbsp;with free tools that allow you to customize to your heart&rsquo;s content. Take advantage of invoicing and payment software that reduces your need to have in-person contact. Yes, it does take away a bit of the personal touch, but what it lacks in that area, it more than makes up for in safety and productivity.
Having your own business can be a dream come true and running that business from your home can be equal parts ideal and challenging. Following common-sense practices in addition to workplace safety guidelines can help you navigate the sometimes smooth and often choppy seas of being the captain of your own ship.
<a href="https://www.pexels.com/photo/turned-on-black-flat-screen-monitor-on-white-wooden-table-and-chairs-3316924/">Image by Pexels</a>
&nbsp;
</div>

Information for starting your own home based business. 

Greetings From the Home-Based Office

Going through a breakup, starting a new relationship, or moving to a different city? Take advantage of a major life transition to get rid of some of your bad habits. Here are five things you should stop doing when you get a fresh start in life:
Stop Stressing Out About Your Job
If your boss is making you miserable or if you&rsquo;re just bored with your current career, stop complaining about it and dragging down everyone around you. Instead, think about launching your own business. Sure, you&rsquo;ll have to get into the habit of getting yourself motivated to work hard every day, but online formation services are here to help you get your business set up and file the proper paperwork with your state. Think about structuring your business as an <a href="https://www.zenbusiness.com/texas-llc/" target="_blank" rel="noopener">LLC in Texas</a> to get the best tax benefits and protect your personal assets in case of litigation.
Stop Talking to Toxic People
Sometimes, you&rsquo;re so used to hanging out with the same people that you don&rsquo;t realize how toxic they are. Instead of helping you be your best self, they drag you down for fear you might outgrow them, sabotaging your efforts at being a better person. They spread gossip and negativity around, and spending time with them tends to fill you with anxiety. If you feel that some of your relationships may be toxic, start <a href="https://www.artofmanliness.com/people/relationships/how-to-cut-toxic-people-out-of-your-life/" target="_blank" rel="noopener">distancing yourself</a> both physically and emotionally, and seek positive people to surround yourself with, people who will lift you up instead of dragging you down.
Stop Scrolling Through Social Media
Besides being a huge drain on your time, scrolling through other people&rsquo;s online posts can actually make you feel anxious and depressed. Even though you consciously know that those posts are &ldquo;highlight reels&rdquo; and do not really reflect the day-to-day reality of those people&rsquo;s lives, you unconsciously start <a href="https://mantracare.org/therapy/issues/feelings-of-inadequacy/" target="_blank" rel="noopener">comparing your life</a> to what you see on their social media feeds, which leads to feelings of inadequacy and jealousy. So <a href="https://www.psychologytoday.com/us/blog/prescriptions-life/201207/too-much-time-online-makes-you-moodier-lonelier-and-obsessed" target="_blank" rel="noopener">put your phone or tablet down</a> and find more productive ways to spend your time: crossword puzzles and adult coloring books will help you feel more relaxed than watching the latest viral video.
Stop Overspending
A little <a href="https://www.betterhelp.com/advice/therapy/what-is-retail-therapy/" target="_blank" rel="noopener">retail therapy</a> now and then may be an enjoyable way to lift your spirit, but spending too much money on items you don't need just for the sake of shopping is definitely a habit you should lose. Avoid temptations by limiting the time you spend online, where we&rsquo;re constantly bombarded with affiliate links and shiny ads, and don&rsquo;t follow influencers whose job is to make you buy stuff. When you go shopping, get into the habit of <a href="https://joyfullythriving.com/simple-savings-shop-with-a-list/" target="_blank" rel="noopener">writing a list</a> down before you leave the house and stick to it so you don&rsquo;t spend money on superfluous things you don&rsquo;t need.
Stop Eating Unhealthy Snacks
Maybe, like many, you picked up this unhealthy habit once you started working from home full time. But eating <a href="https://reset.me/story/how-processed-food-hijacks-your-brain/" target="_blank" rel="noopener">salty or sugary snacks</a> and other highly processed, high-calorie foods all day, while you&rsquo;re trying to stay motivated without a boss or colleagues around, can lead to weight gain, and such items haven&rsquo;t shown to provide enough sustained energy to make them worth their calories. If you want to stave off <a href="https://www.healthline.com/nutrition/snacking-good-or-bad" target="_blank" rel="noopener">hunger between meals</a>, get into the habit of preparing healthy snacks for yourself and portion them out in advance so you don&rsquo;t overindulge. Opt for foods that have high fiber content, and include a protein like yogurt or string cheese to tide you over until your next meal.
We all have bad habits that can be a drain on our time, our energy, and our wallets. Meeting new people, moving to a new place, or starting a new career offers great opportunities to break up with those bad habits and replace them with healthier ones.
Find your perfect home with <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">jeremiahnewman.com</a>, and learn all about the best places to live in San Antonio, TX.
Image via <a href="https://cdn.pixabay.com/photo/2014/08/26/13/52/light-427961__340.jpg">Pixabay</a>

The Bad Habits You Need to Change to Better Your Life

Are you looking for a fun retirement project that can also be quite lucrative? It can often be difficult for seniors to find work in retirement, but there are many different options <a href="https://www.medicare.org/articles/great-part-time-jobs-for-retired-seniors/" target="_blank" rel="noopener">they can explore</a>. Although it can be a bit more complicated than starting a dog-walking business or working in customer service, house flipping can be a great investment for seniors! In the greater Utica-Rome area, home prices have been steadily <a href="https://www.rate.com/research/utica-ny">increasing</a>, indicating that there is more interest than ever. Seniors who are interested in house flipping can begin purchasing fixer-uppers and working with a professional like <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman of Brown Realty</a> after renovations. Here are a few tips to help aspiring senior house flippers get started.
Exercise Appropriate Caution
Remember, while house flipping can be a profitable and sustainable income stream with the right approach, it can also turn into a costly mistake if you make hasty decisions. As a retiree, you don&rsquo;t want to hurt your portfolio with poor investments.
Yes, buying a fixer-upper is cheap, and it&rsquo;s much more affordable than buying a home that is practically move-in ready, but this also means that you need to be ready to invest in repairs and renovations. And if you don&rsquo;t have the capital to cover these costs, your finances will be adversely affected. Therefore, when you&rsquo;re figuring out your overall budget, don&rsquo;t forget to tack on an extra 20 percent for electrical work, HVAC system upgrades, issues with the foundation, and eliminating mold or asbestos.
So, what should you look for in a fixer-upper to ensure that it&rsquo;s a smart purchase? Ideally, you&rsquo;ll want to look for a home in an up-and-coming neighborhood that primarily requires minor repairs. LendingOne <a href="https://lendingone.com/how-to-spot-an-up-and-coming-neighborhood-for-real-estate-investing/" target="_blank" rel="noopener">states</a> that you can spot neighborhoods that will be smart investment choices by checking out factors like crime reports and the number of new businesses and housing developments in the area. You can also assess whether home prices have been increasing.
Financing Your Purchase
You&rsquo;ve found a property that you would love to buy, flip, and sell - but now, you&rsquo;re wondering how to cover the upfront costs. You&rsquo;ve probably purchased a home before, but buying an investment property of any kind differs from buying a primary residence. In order to finance your new property, FinanceBuzz <a href="https://financebuzz.com/how-to-finance-a-fixer-upper" target="_blank" rel="noopener">states</a> that you could consider applying for an FHA 203(k) Rehabilitation loan, using a credit card with a 0% interest rate, or simply taking out a personal loan.
Register Your Business
Before officially getting into the house-flipping business, you&rsquo;ll need to register your new business with the state. This involves learning about the different business structures available to you. Many business owners register as an LLC, due in part to the tax-related advantages it provides. If you decide to register as an LLC, learn about the guidelines set forth by the state of Arkansas. Working with a formation service can help ensure that all the necessary documentation is filed according to regulations.
Planning for Repairs
Which repairs should you prioritize? Naturally, if there are any serious structural issues to address, like fixing the foundation or replacing the roof, you&rsquo;ll want to take care of it as soon as possible. In addition, you should aim to invest in features that will boost the value of your home. This could <a href="https://www.bankrate.com/loans/home-improvement/cheap-fixes-to-boost-the-value-of-your-home/" target="_blank" rel="noopener">include</a> updating the kitchen appliances, installing a new front door, giving your home a fresh coat of paint, and improving your home&rsquo;s energy efficiency.
Choosing (And Paying) Contractors
You might be able to take on certain renovation projects by yourself, but chances are, you&rsquo;ll need to <a href="https://www.consumeraffairs.com/homeowners/how-to-find-home-remodeling-contractor.html" target="_blank" rel="noopener">hire</a> a few contractors, too. Ask your loved ones for referrals and check out the contractors&rsquo; portfolios before bringing anyone on board. It's always a good idea to check the Better Business Bureau for reputable contractors that warrant their work.
Make sure to decide on reasonable pay schedules with your contractors before the projects begin. If you plan to expand your house flipping project into a full rental business in the future, you will want to <a href="https://squareup.com/us/en/townsquare/how-to-do-payroll-yourself" target="_blank" rel="noopener">invest</a> in a payroll service for any contractors or employees you work with.
For lots of seniors, continuing to bring in income throughout retirement is the best way to feel truly financially secure. House flipping is one way to do that! By following these tips, seniors who are curious about house flipping will be able to get started with a strategy priming them for success.
If you&rsquo;re looking to buy or sell a house, let <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman of Brown Realty</a> help guide you through this process. You can get in touch by calling (210) 789-4216.
Photo via <a href="https://www.pexels.com/photo/faceless-house-painter-undercoating-wall-in-bright-room-5691471/">Pexels</a>

house flipping, tips for seniors, fixer uppers, foreclosed properties, rehab loans

4 Steps Seniors Can Take to Successful House Flipping

This article offers insight on a few things you should keep in mind before you move to a larger city to pursue a new position. 
Are you thinking about leaving life in the country behind to follow a job into the &ldquo;big city?&rdquo; Great. There are many reasons to head to San Antonio, Seattle, Denver, NYC, or any other metropolitan hub. But, before you go, take a minute to pause and decide if you&rsquo;re really ready to uproot your family. Here are some tips.
Find the right real estate partner.
Arguably, the most important step you can take before any move is to find the right real estate agent to represent your best interests. If you&rsquo;re moving to San Antonio, <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a> is a smart choice as this real estate professional diligently keeps up with trends and has inside information on San Antonio and the surrounding suburbs. Having the right person in your corner means that you can ask questions and get honest answers about the city, which is especially important if you&rsquo;ve never been there before.
Decide if renting is a better temporary option.
For most of us, the goal when moving is to buy a new home that we can settle into as soon as we arrive. But, this isn&rsquo;t always the best option. If you&rsquo;re leaving the San Antonio area and moving to Denver, for example, you might want to rent temporarily until you get a better feel for the Mile-High City, which is vastly different from living in the Southwest. Listings for <a href="https://www.apartmentlist.com/co/denver" target="_blank" rel="noopener">Denver apartment rentals</a> are easily found online, and you can even take advantage of technology (including 3D tours and virtual walk-throughs) to help you in your search. Even if you&rsquo;re not buying, make sure to move into an area close to entertainment, activities, and other amenities that are important to your family. Most importantly, rent something with enough room for your entire family so that you are not overwhelmed by <a href="https://www.insider.com/tiny-small-apartment-creates-stress-how-to-fix-it-therapists-2021-4" target="_blank" rel="noopener">not having enough space</a> as you also navigate the stress of starting a new job.
Examine your current and expected cost of living.
Cost-of-living is a major factor that contributes to or takes away from our overall quality of life. Before you make a move to any new city, you should examine how much you need to make sure that you can maintain your family&rsquo;s current way of living.&nbsp; If you&rsquo;re moving to <a href="https://worldpopulationreview.com/state-rankings/cost-of-living-index-by-state" target="_blank" rel="noopener">Mississippi, Oklahoma, or Arkansas</a>, you&rsquo;ll likely be able to afford a better home in the city than you would be if you moved to New York, New Jersey, or California. <a href="https://www.mybanktracker.com/blog/find-my-answers/raise-new-job-worth-relocation-295248" target="_blank" rel="noopener">My Bank Tracker also suggests</a> factoring in your new environment, growth potential, and changes in other expenses, such as if you will need to buy a vehicle or will have a longer commute.
Weigh the pros of suburbia against the perks of city life.
There are many benefits to living in a larger city. You likely have access to public transportation, and you almost certainly have more choices when it comes to dining out and grocery shopping. Further, bigger cities have more people and often have much more to do. Seattle, for example, has lots of green spaces and is considered <a href="https://onthegomoving.com/moving-to-seattle/" target="_blank" rel="noopener">a progressive city</a> where health comes first. However, if you are used to rural or suburban life, your family may have trouble adjusting to the fast-paced ways of the city. Something else to think about: people are typically not as outgoing in the city, meaning you may miss out on small talk.
&nbsp;Save money throughout the process.
There&rsquo;s no way to get around the expenses of moving &ndash; your company should provide a relocation package, but it won&rsquo;t cover everything &ndash; so now&rsquo;s a great time to purge belongings you don&rsquo;t need and start packing stuff that you do. Save money throughout the process by planning your move <a href="https://moversville.com/blog/save-money-on-moving" target="_blank" rel="noopener">during the week</a>, comparing costs between several companies, and having a garage sale to raise funds to go toward furniture and other necessities for your new home.
Congratulations on your new job. This might be the first step toward the biggest decision you&rsquo;ll ever make. But, before you say yes to a new salary in the city, weigh the pros and cons, and <a href="https://selling-sanantoniorealestate.com/contact-form/" target="_blank" rel="noopener">call your REALTOR</a>&nbsp;for further guidance.
&nbsp;

Helpful tips for moving to a "Big City" for that New Job

Tips for Relocating to a 'Big City' for that New Job

Buying a new home should be an exciting process, but the current pandemic has made it a bit more stressful than usual. Although things have opened back up, you might still be wondering how you can buy a home during the pandemic and stay safe.
Luckily, there are many online tools that can give you a sense of a home before buying it. In fact, some virtual tools are so helpful that you can close on a house without ever setting foot inside. Below, learn how to rely on real estate listings and discover what tools may be at your disposal.
<h2>Navigating Online Listings</h2>
Learn how to peruse online listings, things to be aware of, and how to find a home that meets your needs.
The Best and Worst Places to <a href="https://www.thebalance.com/best-place-to-find-homes-for-sale-1798280" target="_blank" rel="noopener">Find Homes</a> for Sale Online
Reading Between the Lines: What Real Estate Listings <a href="https://realtydigitalmarketing.com/real-estate-listings/" target="_blank" rel="noopener">Really Mean</a>
10 <a href="https://www.moving.com/tips/10-real-estate-red-flags-to-look-for-when-house-hunting/" target="_blank" rel="noopener">Real Estate Red Flags</a> to Look for When House Hunting
Work with Skilled San Antonio Realtor <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a>
<h2>Virtual Tours, Closing, and Moving</h2>
Technology has made it easier than ever to purchase a home.
Homebuying Through <a href="https://www.apartmenttherapy.com/homebuying-virtual-tours-36747780" target="_blank" rel="noopener">Virtual Tours</a> During Coronavirus
7 Reasons You Don't Need to See a House <a href="https://www.biggerpockets.com/blog/buy-houses-sight-unseen" target="_blank" rel="noopener">Before You Buy It</a>
<a href="https://www.livabl.com/2020/04/home-closing-adapts-covid-19-help-tech.html" target="_blank" rel="noopener">Home Closing Process</a> Adapts to COVID-19 With Help From New Tech
Be Aware of <a href="https://www.homelight.com/blog/buyer-common-repairs-needed-after-home-inspection/" target="_blank" rel="noopener">Common Repairs</a> You May Need to Make Before Moving in
Ensure All Your Records Are in One Place with a <a href="https://www.adobe.com/acrobat/online/merge-pdf.html" target="_blank" rel="noopener">PDF File Merger</a> Tool
It&rsquo;s tough being a buyer when you&rsquo;re concerned about touring homes, but there&rsquo;s still hope. By learning how to use and interpret real estate listings, you quickly move past the homes that aren&rsquo;t worth your time. And by working with an agent who offers virtual tours, you can get a good sense of a home and its neighborhood without actually visiting it.
Image via Pexels
&nbsp;

Tips and Resources for Buying property during the pandemic

Resources for Home Buying During the Pandemic

It was <a href="https://www.brainyquote.com/quotes/jane_austen_163803" target="_blank" rel="noopener">British author</a> Jane Austen who opined, &ldquo;there is nothing like staying at home for real comfort.&rdquo; You may not be as much of a &ldquo;homebody&rdquo; as this quote implies, but the important message is one of being comfortable in your living environment, being in a home that &ldquo;fits&rdquo; you. Searching for the ideal home is not unlike exploring relationships. Whether you&rsquo;re in the <a href="https://www.howtogeek.com/702931/what-do-swipe-left-and-swipe-right-mean/" target="_blank" rel="noopener">searching process</a> and &ldquo;swiping left,&rdquo; in the renting (dating) stage, or making that commitment to buying, you are assessing each option for suitability to your lifestyle. And if you&rsquo;re working with a real estate agent, it&rsquo;s important you work with one who gets the importance of the perfect fit, like <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty &amp; Property Management</a>.
Non-negotiable needs
You&rsquo;ve heard the saying, &ldquo;location is everything,&rdquo; or, &ldquo;location, location, location.&rdquo; It&rsquo;s true that for some people, location is equally as important, or in some cases more important, than the actual home or apartment. Obviously, some neighborhoods are more affordable than others, which you may need to consider, but other variables factor into the importance of location.
If you don&rsquo;t have reliable transportation, you will prioritize a location that is either close to the things you need to do, like work or has easy access to reliable public or other transportation options. If you have children, you may need to be close enough to <a href="https://www.rocketmortgage.com/learn/where-should-i-live" target="_blank" rel="noopener">their schools</a> so they can walk or take a bus home or to after-school care when you&rsquo;re not home, or you&rsquo;ll want to live along a route where you can easily transport them on your way to and from work. Family health conditions might place living close to medical facilities in this category, as well.
If you work from home, high-speed internet service may be on your &ldquo;needs&rdquo; list. In fact, if your living scenario finds you inside your home more than outside, the interior of your home may be more important to you than what is going on outside its walls. If you have a family, you&rsquo;ll obviously need more space than a single person, with options that can offer privacy as needed, especially for those who work or study at home.
Wanting it all
Your &ldquo;wants category,&rdquo; on the other hand, is filled with things that make your life fulfilling but that are <a href="https://www.simplypsychology.org/maslow.html" target="_blank" rel="noopener">higher up</a> on a hierarchy of needs. If you spend most of your time outdoors or have dogs, you may have easy access to trailheads or parks and plentiful green spaces high on your list. Exercise hounds may want lots of bike and running paths, while others want plentiful options for fine dining, designer coffee shops, or proximity to friends. Some people crave a downtown vibe, while others yearn for a more peaceful suburban or rural ambiance.
The &ldquo;wants&rdquo; category can be tricky because while you may not be able to win an internal argument with yourself that these items are necessary, they can add significantly to your quality of life and keep you <a href="https://www.healthypeople.gov/2020/topics-objectives/topic/health-related-quality-of-life-well-being" target="_blank" rel="noopener">engaged in your life</a>, which is an important factor in our mental health. One way to tackle it is to write down all of your &ldquo;wants&rdquo; and then <a href="https://www.moneyunder30.com/home-buying-checklist-wants-vs-needs" target="_blank" rel="noopener">prioritize them</a>. You may not be able to get them all alongside your &ldquo;needs,&rdquo; but successfully obtaining the most desirable ones can be important to your overall well-being.
As in relationships, it may be that you don&rsquo;t realize how important something is to you until you&rsquo;ve lived without it &ndash; or with it &ndash; for a while. This is what makes &ldquo;dating a home,&rdquo; or renting, such a valuable option before jumping into homebuying. You can get a clearer picture of what amenities really add value to your life, or whether a location &ldquo;feels like home&rdquo; before buying a home there. You can choose from some varied rental options in <a href="https://www.rent.com/texas/san-antonio-apartments" target="_blank" rel="noopener">San Antonio</a> and with a cost of living lower than other cities around the country, you&rsquo;ll still find plenty of amenities &ndash; from pet-friendly apartments to convenient access to reputable medical facilities &ndash; to suit most lifestyles and family configurations.
You&rsquo;ll find the one!
Finding that right home match may be a process, but when you find The One, you&rsquo;ll realize that it was worth the effort and maybe even a few trials and errors. <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty &amp; Property Management</a> can help remove some of the legwork for you, but when it comes to understanding whether any home or apartment is really &ldquo;where your heart is,&rdquo; you&rsquo;ll have to rely on your own experiences, feelings, and intuition! Call (210) 789-4216 today!
Photo by <a href="https://unsplash.com/@oakvillenews?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText" target="_blank" rel="noopener">Oakville News</a> on <a href="https://unsplash.com/photos/iPV9pQQrUDY" target="_blank" rel="noopener">Unsplash</a>

Making the right choices for finding your own Dream Home. Set up some priorities and began your home search.

Be Your Own Matchmaker With Your Next Home

The way you prepare your home for an open house can make the difference between a quick sale and having the property sit on the market. Courtesy of Jerry Newman of&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty and Property Management</a>, here are some time-efficient and budget-friendly tips for getting a house ready for sale.
Your Clutter Has to Go
First, you&rsquo;ll need to get rid of your clutter, and you&rsquo;ll need a clear plan. You&rsquo;ll need bins or bags that have been tagged with labels such as &ldquo;Toss,&rdquo; &ldquo;Donate,&rdquo; and &ldquo;Keep&rdquo; so you can categorize as you go along. Once you have your containers, go through each room and clear out the clutter.
This article from The Spruce can help you identify the items you can add to your&nbsp;<a href="https://www.thespruce.com/items-you-can-immediately-throw-away-2647975" target="_blank" rel="noopener">toss pile</a>&nbsp;immediately. This includes plastic cutlery and condiment packets from your kitchen as well as takeout menus and old equipment manuals. Clothing, shoes, and accessories that are in good condition that you no longer wear can be donated to a charity or shelter. If the toss pile is more than your regular garbage collector can handle, you&rsquo;ll need to research the cost of renting a dumpster so you can factor it into your budget.
Buyers Like a Blank Canvas
Real estate agents advise that depersonalizing your home has a&nbsp;<a href="http://www.hvmag.com/Blogs/Home-Property-Blog/August-2018/Depersonalize-Sell-Your-Home-Faster/" target="_blank" rel="noopener">positive impact</a>&nbsp;on getting your house sold. When you remove some of your personal items, buyers get the opportunity to see themselves living in the home. There&rsquo;s a delicate balance between making the home feel cozy and it being overly personal, though. You can keep a couple of family photos and one or two refrigerator magnets. If your home has wallpaper or bright paint colors that wouldn&rsquo;t appeal to the average buyer, these will need to go.
According to USA Today, a fresh coat of paint can&nbsp;<a href="https://www.usatoday.com/story/money/2019/07/09/homes-sale-popular-paint-colors-help-you-sell-house/1649250001/" target="_blank" rel="noopener">increase</a>&nbsp;&nbsp;your home&rsquo;s value by as much as three percent. If you&rsquo;re on a budget, it pays to prioritize the rooms you&rsquo;d like to paint, so focus on the kitchen, living room, bathrooms, and foyer if needed. While white is still a popular neutral color, beige and light grays are also good. Make your front door pop by painting it navy blue.
Show Your Home&rsquo;s Best Features
Depending on your budget, you may be able to hire professional stagers. If that&rsquo;s too expensive, then these&nbsp;<a href="https://www.realsimple.com/home-organizing/home-improvement/home-staging-tips" target="_blank" rel="noopener">home staging tips</a>&nbsp;from Real Simple could be just what you&rsquo;re looking for. Alternatively, spend a little time researching real estate websites to get an idea of how other homeowners are staging their houses for the market.
Before staging, make sure the house is thoroughly cleaned including rugs and carpets. You should replace old drapes with window treatments that will brighten the home. Adding mirrors to a room can be a nice touch that makes it feel lighter and bigger than it actually is. The furniture should be arranged to show a clear flow and shouldn&rsquo;t overpower the space. If you have a lot of furniture that can&rsquo;t be used during staging, use a self-storage unit to keep your personal items secure while you wait for the house to be sold.
And don&rsquo;t forget your home&rsquo;s exterior. Clean up your yard as much as possible by removing debris and leaves and freshening up flowers. To really boost your curb appeal, you may want to invest in&nbsp;<a href="https://www.upwork.com/services/landscape-design" target="_blank" rel="noopener">landscape design services</a>&nbsp;to help you create a beautiful plan for your yard. You can then either implement the design on your own or hire professional landscapers. Either way, the improved curb appeal will improve your chances with buyers.
Know What to Expect
With more buyers using online realtor websites, you&rsquo;ll need to have photos of your home available. If you have experience with taking real estate photos, then you can handle it. If not, you&rsquo;re best off hiring a real estate photographer with a strong portfolio of work and the right equipment. To get the most impact, make sure the home is clean and properly staged. It&rsquo;s best if rooms are photographed when they&rsquo;re well-lit by&nbsp;<a href="https://www.slrlounge.com/10-real-estate-photography-mistakes-avoid/" target="_blank" rel="noopener">natural lighting</a>, and make sure to highlight must-see features of your home like solar panels, steam showers, or views of the water.
While a realtor can handle your open house, it&rsquo;s your job to keep the house in&nbsp;<a href="https://www.thebalance.com/preparing-for-open-houses-1799037" target="_blank" rel="noopener">show-ready condition</a>. You should keep the house clean and make arrangements for the house to be unoccupied at the time of the open house.
Before putting your home up for sale, be sure to declutter, depersonalize, and accentuate your home&rsquo;s features. All the steps involved in selling a house can seem overwhelming at first, but they will be worth it once you sell your home.
When you&rsquo;re ready to sell your San Antonio home, make sure to connect with&nbsp;<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Jerry Newman</a>! Call (210) 789-4216 for your consultation!
&nbsp;Photo courtesy of&nbsp;<a href="https://pixabay.com/photos/sale-sold-hand-signature-house-3701777/">Pixabay</a>

Tips for preparing your home to sell for top dollar. Things that can make a difference in a quick sale or letting your home sit on the market awhile. 

Top Things That Can Get Your House Sold in No Time

When it comes to home improvement projects that can add tons of value, fence and deck projects are some of the best. A deck that functions as an outdoor living area or an eye-catching and unique fence really contribute to a home&rsquo;s curb appeal. Depending on the type of fencing, your project can recoup at least <a href="https://realtytimes.com/consumeradvice/homeownersadvice/item/34773-20150506-fencing-can-add-value-to-your-home" target="_blank" rel="noopener">50 percent</a> of the material and installation costs on resale. Meanwhile, a 16-by-20-foot pressure-treated wooden deck can net a profit of an average of <a href="https://home.howstuffworks.com/home-improvement/repair/increase-home-value.htm" target="_blank" rel="noopener">85.4 percent</a> of the project cost.
Of course, there aren&rsquo;t hard-and-fast numbers. What&rsquo;s really important is picking a project that you like. The following projects combine eye-catching appeal with affordability. When looking for deals on DIY materials, you&rsquo;ll find several ways to save at big-box retailers, including in-store offers and sales, online coupons, and cashback offers. Taking a few minutes to see what offers are available can save you a bundle.
The Classic White Picket Fence
There are some things that never go out of style -- the white picket fence is one of those things. This is the perfect option if you want to add a bit of privacy to a front yard without blocking the view of your lawn and garden. White picket fences are also one of the easiest types of fences to do yourself. Of course, that also means that it will be one of the most affordable if you have one professionally installed. Best of all, when made with <a href="https://www.homedepot.com/b/Lumber-Composites-Fencing/N-5yc1vZbrk7" target="_blank" rel="noopener">quality materials</a> your white picket fence can last for years. Check out <a href="https://www.doityourself.com/stry/how-to-diy-a-white-picket-fence" target="_blank" rel="noopener">this tutorial</a> on how to build this classic household fence.
A Customizable Deck
Building a deck is like adding another room to your house as far as value is concerned. Your new outdoor living space doesn&rsquo;t even have to be complex to be appealing. However, the more <a href="https://www.familyhandyman.com/decks/diy-deck-add-ons-that-are-seriously-cool/view-all/" target="_blank" rel="noopener">extra features</a> you add, the more use you can get out of your new deck. The best way to start is by having a professionally built base that you can customize DIY-style. From deck rail planters to shade shelter, you can add on new aspects as time goes on to personalize and optimize your deck.
The Wabi-Sabi Privacy Fence
A <a href="https://www.diypete.com/how-to-build-a-6-foot-privacy-fence/" target="_blank" rel="noopener">privacy fence</a> is one of the best ways to secure your yard. It is perfect for keeping pets on your property, hiding unsightly electrical features, and establishing privacy between your home and prying neighbors. As far as fencing projects go, privacy fences are among the most popular for homeowners today.
You don&rsquo;t have to spend a fortune to build a gorgeous privacy fence. When picking out materials, look for select and <a href="https://homeguides.sfgate.com/construction-grade-lumber-vs-cabinet-grade-lumber-90600.html" target="_blank" rel="noopener">construction-grade woods</a> as a way to save money while investing in both quality and beauty. Select and construction-grade woods may have some imperfections, but just embrace these little details in the spirit of the Japanese <a href="https://www.utne.com/mind-and-body/wabi-sabi" target="_blank" rel="noopener">wabi-sabi</a> philosophy-- that is, the art of finding beauty in imperfection and revering authenticity above all else.
Unlike constructing a white picket fence, installing a privacy fence isn&rsquo;t a job you should DIY. A professional fence installer will be licensed and insured and be aware of underground utility lines. Finding reputable installers is easy when you search &ldquo;<a href="https://www.angi.com/nearme/fence-companies/" target="_blank" rel="noopener">best fence company near me</a>&rdquo; or visit a site like Angi that offers endorsements and reviews from previous customers.
If you want to add value to your home, a great place to start is its curb appeal. A classic white picket fence looks great and doesn&rsquo;t conceal the yard you worked so hard on. Adding functionality is also a great way to boost your home&rsquo;s value. Start with a basic deck then add DIY features to make your outdoor living space truly unique. Finally, a privacy fence is a surefire way to add to your home&rsquo;s asking price. Save money when you buy select or construction grade wood and simply embrace its imperfections as part of its beauty.
When you&rsquo;re ready to find the perfect San Antonio-area home, connect with trusted and experienced <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">REALTOR, Jerry Newman</a>. Call (210) 789-4216 to schedule an appointment!
Photo via Pexels

Affordable home improvement projects that can add value to your home. 

Affordable Fence and Deck Projects That Add to Your Home's Value

Your future real estate transaction, whether it involves buying a new one, selling your current one or both is an exciting process. There may be a few nerves and butterflies, but overall it&rsquo;s a happy journey in which you are moving forward. In order to continue moving forward, you&rsquo;ll need the help of a realtor, and <a href="https://selling-sanantoniorealestate.com" target="_blank" rel="noopener">Brown Realty and Property Management</a> offers a few tips on what you&rsquo;ll need to do first.
<img class="alignright size-medium wp-image-1000707" src="https://d2ywo5dctk15m4.cloudfront.net/sites/632/jerry-newman-san-antonio-tx-real-estate-Buying-or-Selling-450x300.jpg" border="0" alt="Jerry Newman San Antonio Tx Real Estate Buying Or Selling" width="450" height="300" />
<h2>Buyer&rsquo;s Corner:</h2>
Sort Out the Details
Looking at houses is fun, and perhaps you&rsquo;ve even attended an open house just because you&rsquo;ve always wondered what it looked like inside, but it is important to nail down some details before you and your real estate agent start looking. Buyers should get financing in order and figure out which area/s they want to live in before hiring a real estate agent.
First off, you need to get your finances sorted out so that you can pinpoint a realistic price range. Meet and settle on a lender so that you can gather all the information to get pre-approved for a mortgage. You may find that you need to pay down some of your debt or work on raising your credit score before you qualify. Once you&rsquo;ve got a budget pinned down that also accounts for future expenses such as utilities or maintenance, decide what areas you want to look at and determine what you <a href="https://www.canstar.com.au/home-loans/checklist-buying-a-house/" target="_blank" rel="noopener">want and need</a>. For example, is the area pet-friendly to accommodate your pooch? Does the home have enough bedrooms to support a growing family? Make a checklist to take with you to each home, but don&rsquo;t count out a house if it can be changed to meet your needs. There are some home renovation funds available with certain lenders if you want to replace carpet, or update an existing kitchen or bathroom. Your agent will be helpful in connecting you with those lenders, who do home renovation loans.
Connect with an Agent
You need to do your homework before you hire an agent. There are more than enough realtors to go around, and their signs are everywhere, so ask for recommendations from family members and friends. Set up an interview with at least three potential agents so you can ask them the <a href="https://www.realtor.com/advice/buy/questions-to-ask-a-real-estate-agent/" target="_blank" rel="noopener">important questions</a> about their experience/credentials, average number of clients, and the contact information for at least three references. Look for someone who has at least five years of experience and works full-time so that you can ensure they are dedicated to the job and your happiness.
Keep your Business in Mind
If you run a home-based business and your move is an upsize to accommodate your business, remember to take a mindful approach when it comes to where you plan to buy. Zoning restrictions could be an issue depending on your business. You&rsquo;ll also need the requisite business licenses, and a decision on your <a href="https://www.allenfairviewchamber.com/blog/the-complete-business-owners-guide-to-forming-an-llc" target="_blank" rel="noopener">business structure</a> if you&rsquo;re first starting out. Many business owners opt for sole proprietorships, but if your business will be based out of your home, an LLC&rsquo;s limited liability protection will ensure your home isn&rsquo;t at risk in the event of a business dispute. You can easily <a href="https://www.zenbusiness.com/texas-llc/" target="_blank" rel="noopener">register LLC in Texas</a> online to conveniently formalize your business.
<h2>Seller&rsquo;s Corner:</h2>
Put in the Work
This might sound like a no-brainer, but one of the biggest things a seller can do is put the work in to get the house show-ready. Sellers should be committed to selling by cleaning thoroughly and by packing non-essentials. For example, if their home is going on the market in the summer they should go ahead and pack up winter clothes.
In other words, getting your home ready to sell requires a lot of work on your end, including major <a href="https://www.familyhandyman.com/smart-homeowner/34-important-things-to-do-when-planning-to-sell-your-home/view-all/" target="_blank" rel="noopener">cleaning and decluttering</a>. Clean anything and everything, including those steps you tend to skip in your regular cleaning routine. Remove items from all surfaces, as well as personal items so that buyers can picture their life in your home.
Fix It Up
Homes in San Antonio, Texas, are typically on the market for about <a href="https://www.realtor.com/realestateandhomes-search/San-Antonio_TX/overview" target="_blank" rel="noopener">35 days</a>, and it could take a lot longer if you wait to make repairs and updates. Take into consideration that if your home needs a new roof or AC unit to sell, those types of tasks should be done first. However, smaller jobs like painting, floor coverings, and the like should be done after you contact an agent. Either way, it's good to have an initial meeting to determine what fixes need to be addressed.
Your agent will be able to tell you what fixes are worth it and which ones are better left alone. Before you upgrade your cabinets or tear out a wall, make sure it is adding value.
No matter what side of the real estate transaction you are on, there is work to be done. Before you hire an agent, follow the suggestions above to streamline the process. Then, bring in a realtor and enjoy the ride.
If you&rsquo;re preparing to buy a new home, connect with the great real estate advisors at <a href="https://selling-sanantoniorealestate.com" target="_blank" rel="noopener">Brown Realty and Property Management</a>. Reach out today at 210-789-4216.
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Buying or Selling a Home? Here’s What You Need to Know

If you’ve raised your children in your current home and like where you live, you may find it hard to leave it in favor of a smaller place even after the kids have moved out. The truth is that downsizing has many benefits, but you need to make smart decisions throughout the process in order to have a smooth and successful transition. Here are some important details to know about downsizing.&nbsp;Looking for the perfect San Antonia-area home to downsize into? Connect with dedicated realtor<a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener"> Jerry Newman</a> today! (210) 789-4216&nbsp;Benefits of paring downThere are lots of reasons to cut down on square footage. Having less house to heat and cool is one, and a smaller roof to repair or replace is another. A smaller yard is often part of the package, and just having less floor to vacuum can be a boon. Among the biggest reasons people choose to downsize is because it has so many financial advantages. Here are some of the benefits of living a more simplified life.How downsizing<a href="https://www.americanfinancing.net/saving-money/home-downsizing-tips" target="_blank" rel="noopener"> saves you money</a>How to downsize your<a href="https://www.payoff.com/life/money/10-painless-ways-to-cut-your-expenses/" target="_blank" rel="noopener"> daily expenses</a><a href="https://educatorfi.com/benefits-of-downsizing-your-home-to-save-money/" target="_blank" rel="noopener">Surprising</a> financial benefits of downsizing your homeFinding a new place to liveChoosing a new home is rarely a simple process, and it should always begin with your personal situation. Take time to evaluate your priorities. What do you want out of your next location? Will it put you closer to friends and family, or perhaps you’re looking to get away from the daily rigamarole? Additionally, there are special considerations you should make when you’re looking for a downsized dwelling. These insightful articles will help you narrow down your prospects.How can a real estate agent<a href="https://caretomove.com.au/downsizing-can-real-estate-agent-help/" target="_blank" rel="noopener"> help me</a> with my downsize?Is now the<a href="https://www.rocklandtrust.com/learning-center/personal-resources/is-now-the-time-to-downsize-" target="_blank" rel="noopener"> right time</a> for me to downsize?<a href="https://www.nerdwallet.com/mortgages/how-much-house-can-i-afford" target="_blank" rel="noopener">How much house</a> can I afford?How much will I pay in<a href="https://www.movebuddha.com/moving-cost-calculator/"> moving expenses</a>?Getting your current home ready to sellIf downsizing sounds attractive to you, then you’ll want to increase the resale value of your home before taking the plunge. One of the best ways to do so is to make home improvements. Major home modifications will require a professional’s expertise, but there are many DIY projects that can make your home stand out among a sea of others in your local market. And happily, there are plenty you can do with just a small investment of time, money and energy. Evaluate your home for areas of improvement, then consider the following:How much should you<a href="https://homeguides.sfgate.com/much-money-should-put-house-before-sell-it-58503.html" target="_blank" rel="noopener"> budget</a> for home repairs for the home you’re selling?Does your home’s exterior need help? Explore DIY<a href="https://listotic.com/17-easy-and-cheap-curb-appeal-ideas/" target="_blank" rel="noopener"> curb appeal ideas</a> that anyone can doGive your walls a lift with artist-created<a href="https://www.spoonflower.com/en/wallpaper" target="_blank" rel="noopener"> temporary wallpaper</a> that goes on and comes off easily, or freshly repaint all your walls with a very neutral color.&nbsp;How to deep clean your carpets so they<a href="https://www.popularmechanics.com/home/interior-projects/a36051771/carpet-cleaning/" target="_blank" rel="noopener"> look like new</a> when it’s time for a house showing.Downsizing has both financial and emotional benefits, since fewer responsibilities around the house can add up to more leisure time and less stress. When it’s time to downsize, make sure to complete needed repairs on your current home to get the most resale value out of your home. You can take that profit and put it toward your downsized future! Consider using a <a target="_blank" href="https://www.thisoldhouse.com/storage-organization/reviews/veteran-owned-moving-companies">Veteran Owned Moving Company.</a>&nbsp;

Knowing and understanding the benefits for downsizing may save you some money in the long run, and help to maintain a more simplified lifestyle.

Downsizing: The Benefits and How to Pull It Off 

Thinking of hitting the housing market? You might be concerned about shifts in the market due to the pandemic, but while selling these days involves some <a href="https://www.redfin.com/guides/selling-home-during-coronavirus" target="_blank" rel="noopener">forethought</a>, there are ways to give yourself an advantage. Case in point: highly sought-after features like smart home technology.
By adding smart home features to your property, you give your place an edge in a competitive market so you can <a href="https://lifehacker.com/how-smart-home-tech-can-help-you-sell-your-house-1826237725" target="_blank" rel="noopener">sell more quickly</a> with the possibility of making more on the sale. Smart home technology may sound fancy, but many of the best features people want are affordable and easy to install.
Smart Climate Control
Installing a <a href="https://www.techhive.com/article/3206565/thermostats/best-smart-thermostat.html" target="_blank" rel="noopener">smart thermostat</a> is a great way to improve your home&rsquo;s heating and cooling efficiency. Smart climate control systems help homeowners save money on their power bills by automatically adjusting the temperature based on the family&rsquo;s needs and preferences. In fact, manufacturers <a href="https://www.techwalls.com/energy-can-smart-thermostat-save-home/" target="_blank" rel="noopener">estimate</a> that smart thermostats can save a household 10 to 12 percent on heating and 15 percent on cooling, which totals around $131-$145 in savings a year. In addition to making heating and cooling more efficient, many models also feature remote access that allows homeowners to make corrections to the temperature when they are traveling or simply out of the house.
Smart Security System
Security systems are a huge draw for families looking to invest in a home. Among the benefits of investing in a <a href="https://www.pcmag.com/article2/0,2817,2498510,00.asp" target="_blank" rel="noopener">smart security system</a> is its proactive nature. While older security systems simply react to movement or intrusions after they&rsquo;ve already happened, a smart system provides real time updates with the help of an app you can check with your smartphone or tablet. They are also programmable to a family&rsquo;s needs. For instance, they can be programmed to send alerts to parents when kids get home late at night.
Smart Lighting
Most homeowners already know that switching to LED light bulbs saves energy while cutting down on waste due to their long lifespans, and as HowStuffWorks notes, you might even go <a href="https://science.howstuffworks.com/environmental/green-tech/sustainable/led-light-bulb2.htm" target="_blank" rel="noopener">20 years</a> without changing one.
But the benefits of the latest smart lighting systems go way beyond those desirable efficiencies. Smart lighting can be connected to your security system to go on and off as needed to make it appear as if there is activity in the home, which is great for deterring burglars. It also gives homeowners more choices when it comes to lighting. You&rsquo;re able to turn the lights down at night when you&rsquo;re wanting to relax, and up in the morning when you need to get going. These settings can even be programmed and timed so the light dims without command.
Finally, many <a href="https://www.gearbrain.com/best-home-smart-light-system-2563580425.html" target="_blank" rel="noopener">smart lighting systems</a> have the added benefit of color lights, which isn&rsquo;t so much necessary, but very fun and useful for creating atmosphere.
Smart Refrigerator
When we talk about energy conservation, the conversation generally revolves around reducing power bills by making electric and gas appliances more efficient. However, there is so much more we could be doing.
As FoodPrint points out, <a href="https://foodprint.org/issues/the-problem-of-food-waste/" target="_blank" rel="noopener">food waste</a> in the United States is out of control. Forty percent of the food we buy is wasted every year, costing the average American household $2,200 annually. Every time we throw away food, it wastes a staggering amount of freshwater, land, and energy. Furthermore, all the food we fail to eat ends up in landfills, where the decomposition of organic matter accounts for 16 percent of the country&rsquo;s methane emissions. Finally, the amount of food we throw away could feed the <a href="https://www.cnbc.com/2016/12/13/americas-dirty-little-secret-42-million-are-suffering-from-hunger.html" target="_blank" rel="noopener">one in seven Americans</a> who go to bed hungry each night.
<a href="https://www.forbes.com/sites/michaelkanellos/2016/01/13/hold-the-laughter-why-the-smart-fridge-is-a-great-idea/" target="_blank" rel="noopener">Smart refrigerators</a> help households reduce food waste. These high tech appliances keep an inventory of what food they contain, and send alerts to homeowners letting them know what they need and what they can do with the items on hand. Furthermore, smart refrigerators are <a href="https://www.consumerreports.org/energy-efficiency/why-new-major-appliances-use-less-energy/" target="_blank" rel="noopener">more energy efficient</a> than their older counterparts, saving the household energy and money.
From climate control to refrigerators, smart features all focus on reducing wasted electricity and the bills that come with it. However, the benefits go beyond that. Adding smart features to your home before putting it on the market can give your property the edge it needs to sell more quickly and for more money.
Whether you&rsquo;re selling or buying, connect with <a href="https://selling-sanantoniorealestate.com/" target="_blank" rel="noopener">Brown Realty and Property Management</a> for a seamless and stress-free experience!
Photo by <a href="https://unsplash.com/photos/2d4lAQAlbDA?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText" target="_blank" rel="noopener">iAlicante Mediterranean Homes</a> on Unsplash
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Adding Smart Features and Updates to sell your San Antonio, TX home.

Sell Your House with Smart Home Updates

Your home is likely to be one of the biggest purchases of your life, and you&rsquo;ll probably need a loan to make it happen. <a href="https://www.bankrate.com/mortgages/how-to-get-a-mortgage/" target="_blank" rel="noopener">Getting a mortgage</a> preapproval can give you an advantage while house hunting, and it&rsquo;s almost a rite of passage as you go through the process of <a href="https://www.bankrate.com/mortgage/home-buying-guide/" target="_blank" rel="noopener">buying a home</a>.
By getting preapproved, you can show sellers that a lender has already vetted you and will lend you money. Once you&rsquo;re preapproved, you&rsquo;ll have a solid estimate for your future mortgage that real estate agents and sellers can use to determine whether you&rsquo;re a serious contender for a home.
<h2>What is a mortgage preapproval?</h2>
A mortgage preapproval is a statement, usually a document or letter, of how much money a lender is willing to let you borrow to pay for a home. It&rsquo;s not a requirement but it can make your home-buying process more efficient.
Preapproval is based on your financial profile, including your income, how much you have in bank and investment accounts and your debts. Lenders perform a <a href="https://www.bankrate.com/finance/credit-cards/hard-pull-soft-pull-on-credit/" target="_blank" rel="noopener">hard credit inquiry</a> as part of your application as well.
Once they have this information, lenders can make a fairly informed estimate about how much house you can afford, and may preapprove you for a certain loan amount. The preapproval indicates that the lender is prepared to move forward with the loan, as long as the home meets certain criteria and your financial situation doesn&rsquo;t change drastically while you look for a home to purchase.
<iframe src="//www.youtube.com/embed/ik61E4JqYps" width="560" height="315" frameborder="0"></iframe>
<h2>Why should I get preapproved?</h2>
With a preapproval, sellers and their Realtors know you&rsquo;re serious about buying a home &mdash; and they know you can afford it. If you&rsquo;re interested in a home and want to <a href="https://www.bankrate.com/real-estate/how-to-make-an-offer-on-house/" target="_blank" rel="noopener">make an offer</a>, the seller wants to know that you can follow through with financing. Without a preapproval, you could be passed over in favor of someone who already has a lender and the funds lined up.
On top of that, getting preapproved gives you an idea of <a href="https://www.bankrate.com/calculators/mortgages/new-house-calculator.aspx" target="_blank" rel="noopener">how much home you can afford</a>. You can see how much money the lender will give you, figure out a down payment and know if the houses you&rsquo;re considering are practical. It saves time during house hunting to immediately eliminate homes out of your price range.
<h2>Mortgage preapproval process</h2>
The steps for getting preapproved for a mortgage include sharing detailed financial information about your income and debt and undergoing a credit check.
<h3>1. Document submission</h3>
To get preapproved for a mortgage, you&rsquo;ll need to supply documentation about your income, assets and debts. These documents include pay stubs and W-2s, as well as proof of other income sources and any accounts you own, including retirement savings. You&rsquo;ll need to share this information with any lender you&rsquo;re applying for a preapproval with, so it&rsquo;s best to have it all organized before you start seeking offers.
<h3>2. Credit check</h3>
In addition to providing documentation, you also have to agree to a credit check. It&rsquo;s wise to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved, but also your ability to get the best mortgage rate. You&rsquo;re entitled to a free copy from each of the major credit bureaus once every 12 months, which can be obtained at <a href="http://www.annualcreditreport.com/" target="_blank" rel="noopener">AnnualCreditReport.com</a>.
Know that when lenders check your credit, they perform a hard inquiry, which can impact your credit score. Lenders look at your credit report and history to assess your credit utilization, or the amount of credit you&rsquo;re using relative to your total credit limit. The lower your credit utilization is, the better your chances of getting preapproved.
<h3>3. Preapproval</h3>
Once lenders assess your credit and financial profile, they&rsquo;ll make a determination as to whether you&rsquo;re preapproved for a mortgage, and for what amount. If you&rsquo;re preapproved, you&rsquo;ll be issued a preapproval letter stating this information.
Many lenders prefer to use the &ldquo;28/36&rdquo; qualifying ratio to figure out what monthly payment you can afford. In general, they like to see a mortgage payment taking up no more than 28 percent of your gross monthly income, and your total debt payments (which includes credit cards, car loans and other debt in addition to your mortgage) accounting for no more than 36 percent of your gross monthly income.
Note that if you&rsquo;re getting a <a href="https://www.bankrate.com/mortgages/what-is-a-conventional-loan/" target="_blank" rel="noopener">conventional mortgage</a>, you usually need a credit score of at least 620 to qualify. You might be able to get a mortgage preapproval with a lower score, and there are programs, like <a href="https://www.bankrate.com/mortgages/what-is-an-fha-loan/" target="_blank" rel="noopener">FHA loans</a>, that allow lower scores. The higher your score, however, the lower your interest rate.
<h2>What documents do you need for a mortgage preapproval?</h2>
The most time-consuming part of applying for a mortgage or getting preapproved is all the documentation you have to provide. So, it often helps to get as much paperwork prepared ahead of time so you&rsquo;re not scrambling when your lender starts asking you for your documents.
Follow this checklist to help yourself get ready:
<ul>
<li style="font-weight: 400;" aria-level="1">Current pay stubs &mdash; your current financial profile is a major part of getting preapproved for a loan, so your lender wants to see that you have reliable, predictable income.</li>
<li style="font-weight: 400;" aria-level="1">Federal income tax returns from the last two years (including W-2s or 1099s) &mdash; these will help verify your employment history and show the lender a longer-term track record of your income.</li>
<li style="font-weight: 400;" aria-level="1">Recent bank statements &mdash; lenders like to make sure that all your money is accounted for, so they check your bank statements to see that there aren&rsquo;t any major unexplained deposits or withdrawals that could affect your loan.</li>
<li style="font-weight: 400;" aria-level="1">Investment account statements &mdash; returns on your investments can count as income, and lenders need to know about all your sources of money, not just your day job.</li>
<li style="font-weight: 400;" aria-level="1">Identifying documentation, such as a driver&rsquo;s license or passport &mdash; lenders need to make sure they know who they&rsquo;re giving their money to, so they&rsquo;ll want to verify your identity and that you&rsquo;re a U.S. citizen. Foreign nationals can get financing, but it&rsquo;s much more complicated.</li>
</ul>
Those who are <a href="https://www.bankrate.com/mortgages/self-employed-how-to-get-a-mortgage/" target="_blank" rel="noopener">self-employed</a> might also need to include information from business accounts and undergo an income audit. This might include asking an accountant to verify that your income is stable by speaking with customers, reviewing business records and taking other steps. Find out from your lender what&rsquo;s required when you&rsquo;re self-employed.
<h2>How long does it take to get preapproved?</h2>
It usually takes up to a few days to receive your mortgage preapproval. If you have to wait for an income audit it can take a bit longer, usually a couple of weeks. If you have everything in order and your credit looks good, though, it&rsquo;s possible to get preapproval for a home loan within one business day in some cases.
<h2>Preapproval vs. prequalification</h2>
It&rsquo;s important to understand the difference between <a href="https://www.bankrate.com/mortgages/preapproved-vs-prequalified/" target="_blank" rel="noopener">preapproval and prequalification</a>.
Prequalification is an indication of what you likely qualify for based on the information you give and the results of a less-invasive credit check. With a prequalification, you&rsquo;re often subject to a soft credit inquiry, just so the lender can get a feel for your situation. The lender often relies on your own representation of your financial situation, rather than requiring documentation. While a prequalification can be useful when shopping around and comparing potential loan terms, it&rsquo;s not usually taken seriously by sellers and real estate agents.
On the other hand, a mortgage preapproval is a more rigorous process. You provide documentation to back up your claims and the lender reviews your credit report in more depth to get a sense of your debt-to-income ratio and other information to help them make a determination. Because a preapproval is backed up with data, it&rsquo;s accepted as proof that you can afford the home you&rsquo;re looking at and the lender will fund your loan.
<h2>Bottom line</h2>
Whether you&rsquo;re <a href="https://www.bankrate.com/mortgages/first-time-homebuyer-loans-and-programs/" target="_blank" rel="noopener">buying your first home</a> or you&rsquo;re a seasoned house hunter, getting a mortgage preapproval is a smart move if you want to remain competitive as a homebuyer. Your mortgage preapproval shows that a lender is ready to lend you a certain amount of money, making an offer you put on a home a more serious one. While it can feel burdensome to go through the documentation steps required to get preapproved, it can actually save time and hassle in the long run, because you&rsquo;ll wind up needing to provide all the same documentation for your mortgage application eventually, anyway.
This article was originally written by Miranda Marquit with all information being provided by Bankrate. Photos via Shutterstock.
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Why Get Pre-Approved for a Loan?

<div class="blog-content style-reset-for-user-content user-content addthis-image-container">
Buying a house during this&nbsp;recession might be an excellent investment. Still, there are things to consider when searching for properties, sourcing mortgage lenders, and touring homes while still in this pandemic. Here are the home buying tips you need to ensure you&rsquo;re getting a good deal despite the recession.
Connect with An Expert Agent
<img class="img-right" src="https://storage.googleapis.com/idx-acnt-gs.ihouseprd.com/AR965837/file_manager/Agent%20Helping%20Clients%202.jpg" border="0" width="293" height="198" />
When&nbsp;it comes to finding the San Antonio home of your dreams, you want a reliable real estate agent with expertise in fitting buyers with the right home.&nbsp;<a href="https://www.jeremiahnewman.com/" target="_blank" rel="noopener">Jerry&nbsp;Newman</a>&nbsp;has been helping buyers and sellers for the last 18 years, and he can help you every step of the way.
<h2>Know What to Expect</h2>
Understanding the home buying process is essential whether you&rsquo;re a first-time buyer or an investor. If you&rsquo;re shopping for your first home, consider checking out a&nbsp;<a href="https://www.pennymacusa.com/purchasing/first-time-homebuyer-guide" target="_blank" rel="noopener">first house guide</a>&nbsp;to gather as much information as possible before you start looking.
For investors, understanding your options is also crucial. For example, if you own existing property, you may be able to take out a home equity loan to fund a second home purchase. At the same time, some lenders are suspending home equity lines of credit due to the coronavirus. However, you may qualify for&nbsp;<a href="https://retipster.com/hard-money-101-everything-need-know-getting-started-hard-money-loans/" target="_blank" rel="noopener">financing options</a>&nbsp;outside of conventional mortgages, such as hard money loans.
The good news is that although coronavirus restrictions remain in place in many areas, you can still close on a home. A&nbsp;<a href="https://magazine.realtor/law-and-ethics/feature/article/2019/10/complete-your-closings-online" target="_blank" rel="noopener">remote closing</a>&nbsp;can help protect both the buyer and seller. Additional steps like ensuring that inspections are handled safely&mdash;with protective equipment&mdash;are also ideal.
<h2>Establish Your Priorities (And Budget)</h2>
Home prices have fluctuated due to the coronavirus, with prices&nbsp;<a href="https://www.usatoday.com/story/money/2020/05/18/coronavirus-home-prices-first-quarter-increase/111702900/" target="_blank" rel="noopener">spiking</a>&nbsp;in the first quarter of 2020, USA Today confirms. And while specifics vary based on location, you can expect more changes as the economy continues to see the pandemic&rsquo;s effects. That&rsquo;s why it&rsquo;s crucial to establish a budget and your overall priorities when shopping for a home.
With many lenders increasing their&nbsp;<a href="https://fortune.com/2020/05/10/coronavirus-getting-a-mortgage-refinancing-credit-score/" target="_blank" rel="noopener">credit score</a>&nbsp;requirements for mortgage qualifications, you may need to put off home shopping while you build your credit. Lenders also want to see solid monthly income if you&rsquo;re applying for a mortgage, so holding off switching jobs may be key as well.
On that same note, outlining your monthly budget and determining what you can&nbsp;<a href="https://www.hsh.com/how-much-house-can-i-afford.html" target="_blank" rel="noopener">afford</a>&nbsp;is vital. Even for investment properties, having reserves on hand to cover repairs and potential vacancies is smart pre-planning. If you&rsquo;re struggling to come up with funds, you may not be&nbsp;<a href="https://www.hgtv.com/lifestyle/real-estate/are-you-financially-ready-to-buy-an-investment-property-" target="_blank" rel="noopener">financially ready</a>&nbsp;to invest.
<h2>Be Willing to Compromise for the Right Property</h2>
Even in a buyer&rsquo;s market, waiting for the right property to come along is prudent. But you should also keep in mind that compromise will be the name of the game during the recession. For example, you may want to buy in a particular neighborhood or community, but every property listing is a fixer-upper. Keep in mind that some areas are still in a competitive seller's market, where multiple bidding is prevalent.&nbsp;
In this case, purchasing based on the location alone might be an excellent investment. After all, you can update and renovate the home&mdash;even expand it&mdash;but you can&rsquo;t change the location down the line. Buying a&nbsp;<a href="https://www.thespruce.com/fixer-upper-homes-1798315" target="_blank" rel="noopener">fixer-upper</a>&nbsp;is often a great idea, especially if you can secure renovation financing or have money to spend on improvements.
At the same time, a competitive offer can also land you a sale in an otherwise tough market. If you find the perfect property, writing a competitive offer will be instrumental in your purchasing efforts. For example, waiving certain contingencies and setting short contract periods for better odds at getting your offer accepted. Consult with your real estate agent for additional recommendations on writing a strong purchase offer.
Securing the perfect property may be tough during the recession. But with the right mindset&mdash;and a solid plan&mdash;you&rsquo;ll be ready no matter what the market holds. In no time, you could be closing on the perfect new home or investment property, even as the economy continues to experience ups and downs.
Photo via&nbsp;<a href="https://www.pexels.com/photo/little-girl-playing-in-a-box-4569304/" target="_blank" rel="noopener">Pexels</a>
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</div>

Tips needed for buying your home during a recession. 

Tips Needed for Buying a Home in the Recession

When you look for a new apartment to live in, you&rsquo;re often faced with a big decision: whether to buy or rent. There are significant differences between them, and not all of them are financial.&nbsp;
There&rsquo;s risk, commitment, time, and several other factors to consider before you get a mortgage and sign an agreement. Not all apartments are for sale, either, which is something else to consider. And hey, don&rsquo;t forget that buying a new place means moving and perhaps&nbsp;<a href="https://www.maxrealestateexposure.com/renting-uhaul-truck/" target="_blank" rel="noopener">renting a truck</a>&nbsp;and handling that piece of the puzzle, too!
In this article, we&rsquo;re going to look at some of the differences between renting an apartment or&nbsp;buying a house, and what you need to consider before doing either.
<h2 dir="ltr">What&rsquo;s Your Motivation?</h2>
Before you make any decisions, decide on what your motivation is. Buying an house is a big commitment, and you need to make sure it&rsquo;s in line with your current and future plans. And if you&rsquo;re looking for a potential investment property, be sure you look at the comparables in your neighborhood. Remember, a place you buy in&nbsp;<a href="https://www.abodo.com/chicago-il/neighborhoods/lincoln-park" target="_blank" rel="noopener">Chicago&rsquo;s Lincoln Park</a>&nbsp;is going to be far different in terms of pricing than a&nbsp;<a href="https://www.jerrynewmansarealestate.com/" target="_blank" rel="noopener">home in San Antonio</a>.&nbsp;
Are you moving for your career, or are you looking to start a life as a couple? There are many factors to consider and your motivation will sway you towards renting or buying.&nbsp;
<h2 dir="ltr">How Long Are You Staying?</h2>
It&rsquo;s important to consider how long you intend to stay in your new apartment. The general rule of thumb is that renting is a better option if you&rsquo;re going to be staying for&nbsp;<a href="https://www.cnbc.com/2018/01/25/thinking-about-buying-a-home-ask-yourself-how-long-you-plan-to-stay.html" target="_blank" rel="noopener">less than five years</a>.&nbsp;
However, if you&rsquo;re planning to stay a significant amount of time, you might want to consider buying. &nbsp;
There&rsquo;s a financial element to this reasoning. It might be better to pay a monthly fee on your mortgage rather than paying rent to someone else over an extended period.
<h2 dir="ltr">Do You Want to Make a Commitment?</h2>
<a href="https://listwithclever.com/rental-property-calculator/" target="_blank" rel="noopener">Renting a place for what you can afford</a>&nbsp;means having a term stipulated in the lease. When the lease is up, you can move out or renew. You&rsquo;re never tied to your commitment for longer than a set period.
Buying, on the other hand, is a big commitment.&nbsp;It&rsquo;s far more permanent than renting, and there&rsquo;s no moving out if something unexpected happens.
<h2 dir="ltr">How Much Are You Spending?</h2>
Money is probably one of the most significant considerations for most people who consider buying. You&rsquo;ll need to put down a significant deposit, and you&rsquo;ll have to cover your monthly mortgage costs.
The initial deposit when renting is a lot smaller. You&rsquo;ll also get your security deposit back if the apartment is still in good condition when you move out.
Finally, your rent payments on, say, one of the&nbsp;<a href="https://theurbanavenue.com/dallas-apartments/uptown-dallas/" target="_blank" rel="noopener">Uptown Dallas apartments</a>&nbsp;would still be lower than a mortgage payment on an apartment or apartment building in the area.
<h2 dir="ltr">Consider the Bills</h2>
There are a few differences between the bills you get when renting and those you get when you buy. As a homeowner or landlord, you&rsquo;re responsible for everything. You need to pay the utilities, repairs, renovations, and insurance. All the&nbsp;<a href="https://www.fool.com/the-ascent/mortgages/articles/10-expenses-of-home-ownership-you-need-to-know/" target="_blank" rel="noopener">costs are on you</a>, and you need to make sure that you can cover the bills that come with buying an apartment.
With renting, however, the landlord is usually responsible for all the maintenance costs. This does save you money each month.
That said, you&rsquo;ll need special permission to make any changes to your home. While you might be allowed to make changes to the apartment or house you&rsquo;re renting, you lose that money when you move.
<h2 dir="ltr">What Are the Risks and Rewards?</h2>
Both renting and buying have their risks and rewards. With buying, there are certain financial risks. While it does provide security, unforeseen accidents, or loss of income can hurt your living conditions and bank account.
With renting, you risk increased rent at a landlord&rsquo;s discretion. There&rsquo;s also the chance that they might sell the building, forcing you to move. However, you&rsquo;re also far more mobile when you rent. You&rsquo;re not as tied down by your mortgage, and you can invest your money into other things.
<h2 dir="ltr">Take Away</h2>
There are pros and cons to both buying a house and renting an apartment. In the end, it comes down to the kind of commitment you want to make. Always weigh your options, motivation, and financial implications before you make your final decision. Seek the counsel of a&nbsp;<a href="https://www.jeremiahnewman.com/about-me">real estate professional,</a>&nbsp;who can guide you through the home buying process if you decide to buy a home.&nbsp;
Images by Flickr.com.&nbsp;

Considering the pros and cons for renting an apartment vs buying your first home. 

Rent vs. Buy, The Definitive Guide

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Chances are, you&rsquo;re reading this post while at home, trying to understand the ins and outs of what you can do in regards to buying a home during quarantine. Thankfully, the internet provides us with the ability to still move forward with real estate, albeit much differently because most of us can&rsquo;t or don't want to leave their homes. San Antonio has slowly begun to reopen, but health advisors still ask people to stay home and social distance as much as possible.&nbsp;
As a home-hunter, it&rsquo;s important to know your resources regarding closing on a house as well as any hiccups that might come up in the process. Here are some tips on ways to navigate closing during the pandemic.
Contact your Realtor
Every state has different guidelines regarding what&rsquo;s essential, nonessential, and how people can go about their business. It&rsquo;s important to contact your real estate agent to get better insight on what steps to&nbsp;<a href="https://www.homelight.com/blog/buyer-coronavirus-real-estate-closing/" target="_blank" rel="noopener">close on a house during the Coronavirus pandemic are possible.</a>&nbsp;San Antonio is slowly starting to reopen, but that doesn&rsquo;t mean processes are going to continue like they did back in January. There will still be strict rules in place to help keep residents safe.
Understand the rules regarding inspections
Inspections are a major part of the home buying process. They help to ensure that a house is up to standard, and it isn&rsquo;t in your best interest to move forward on purchasing a home without one. Inspections still need to be done in person, but should be done in a way that protects the homeowner. The seller should ask that the inspector wear protective gear and ask them if they&rsquo;ve experienced any symptoms or have been exposed at all to the virus. A seller has the right to turn away an inspector, but as a buyer, you would be granted the option to back out of the contract without being penalized.&nbsp;
Schedule an Alternative Appraisal
<img src="https://lh4.googleusercontent.com/R0z6Wgal2UU607-jrq0P_YNHYNbKsNZvHIgVegsF2Trja0DdukFIXhcoPDT2qt7Y9-dV0AFVIOmOvH_qiR6xMnLbOvtdLDM7tmNeV0YoNT7Rrm1MV2OsjF80qloUTe9TaHsXcSbL" border="0" width="326" height="217" />
&nbsp;
Another important step in the closing process is to have an appraisal of the house conducted. Luckily, appraisals have more leeway than inspections, and can either be done via video walkthroughs or&nbsp; by research at the desk. Alternative appraisals have been gaining a lot of popularity in the past few weeks and are meant to be equally as accurate as in person appraisals. A hybrid of a video walkthrough and desk research is normally the preferred method, and can help the one conducting the appraisal make an accurate estimate on the home&rsquo;s value.
Conduct pieces of the process remotely
Thankfully, some steps in the closing process are granted permission to be done remotely, depending on the state of course. Two important steps include notarization and title search, which are normally conducted in person. Call up your local notary or title company and ask them what options they have in place and how you can safely move forward with closing on the house. If you need to conduct the closing in person, some<a href="https://www.homelight.com/blog/buyer-buying-house-during-coronavirus/" target="_blank" rel="noopener">&nbsp;home buyer precautions</a>&nbsp;include keeping a safe distance from others in the room, wearing masks and gloves, and limiting the number of people in the room during the signing.&nbsp;
&nbsp;
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guide for closing on a home during this pandemic for COVID-19

Can You Still Close on a House During the Coronavirus Pandemic?

It&rsquo;s a great time to buy a home!&nbsp;I know what you&rsquo;re thinking: &ldquo;Jerry, you&rsquo;re a realtor. You always say that!&rdquo; And while that may be (almost) true, right now the data is lining up right behind me. Mortgage rates are at record lows. And by buying now, you could realize your dream of moving into the perfect house for less money than you ever thought possible.
But no matter when you buy, some considerations remain constant. Finding the&nbsp;<a href="https://www.consumersadvocate.org/mortgage-rates" target="_blank" rel="noopener">best mortgage rate</a>&nbsp;is always an important goal. And understanding&nbsp;all&nbsp;the costs associated with homeownership is paramount when you&rsquo;re trying to set a budget that&rsquo;s both realistic and affordable. Which brings us to the topic of homeowner&rsquo;s insurance.
If you&rsquo;re taking out a mortgage, carrying homeowner&rsquo;s insurance is something your lender will require you to do. No homeowner&rsquo;s insurance, no mortgage. It&rsquo;s that simple. But even if you&rsquo;re paying cash for your home, homeowner&rsquo;s insurance makes sense. It not only protects the investment you&rsquo;ve made in your home but your&nbsp;other&nbsp;financial assets, too. &nbsp;But what kind of insurance do you need, how much insurance should you buy, and how can you make sure you&rsquo;re getting the best deal on your homeowner&rsquo;s insurance policy? Answering those questions will put you on the right path to finding the&nbsp;<a href="https://www.consumersadvocate.org/home-insurance" target="_blank" rel="noopener">best homeowner&rsquo;s insurance</a>&nbsp;for your circumstances.
Let&rsquo;s start with the first question. There are three general categories of homeowner&rsquo;s insurance you should carry. Nearly any policy you purchase will include all three, but the specific protection a policy offers should be tailored to your unique needs.
Property insurance&nbsp;protects your home from damage arising from a wide range events, from the relatively minor to the truly catastrophic. It also covers your garage, your pool, and other adjacent features of your property. &nbsp;The pipe that bursts suddenly and ruins your carpet or the damage your home sustains during a windstorm are classic examples of qualifying events under property damage insurance. Damage arising from fire and smoke is another standard feature of property damage insurance. However, damage that happens gradually due to inadequate home maintenance isn&rsquo;t covered by homeowner&rsquo;s insurance. That falls on you. So be sure to keep up with your&nbsp;<a href="https://www.nytimes.com/guides/realestate/home-maintenance-checklist" target="_blank" rel="noopener">to-do list</a>.
But standard policies don&rsquo;t account for every type of damage or loss. If you live in one of San Antonio&rsquo;s&nbsp;<a href="https://www.sara-tx.org/services/flood-risk-mitigation/digital-flood-insurance-rate-map" target="_blank" rel="noopener">flood-prone</a>&nbsp;neighborhoods, carrying&nbsp;optional flood insurance&nbsp;is something to seriously consider. A powerful hurricane in our city could leave many beautiful homes underwater but only those homeowners carrying separate flood insurance would receive the assistance needed to rebuild. If you choose to carry flood insurance, make sure that reimbursement for mold prevention is a provision of the policy. Mold damage can significantly reduce the resale value of your home. However, not every insurance carrier will offer mold coverage in Texas.&nbsp;
When you select property insurance coverage, you can choose between two reimbursement options. It&rsquo;s important to understand the difference between them.&nbsp;Actual cash value&nbsp;coverage reimburses you the amount your home and belongings are worth in the current market. Under a cash value policy, your used electronics, for example, would be worth approximately what they&rsquo;d fetch if you sold them on eBay. Similarly, if your home burns to the ground, your insurance policy would reimburse you the going rate for a home of a similar size in your particular neighborhood. It would not pay for the cost of replacing your computer with a new one or rebuilding your home to its original specifications. Only&nbsp;replacement value&nbsp;coverage will do that. Replacement value coverage may be especially important to homeowners whose homes feature the kind of old-world craftsmanship that&rsquo;s both difficult and expensive to reproduce in our time. Importing a plaster artisan from Italy can be a complex and costly proposition! Needless to say, replacement value coverage is pricey, but added protection may be worth the added investment to you.
Property insurance also protects the things you keep inside your home&mdash;the flat-screen TV and prized set of golf clubs that might disappear during a burglary, for example. Insurance experts recommend that you keep a detailed inventory of your belongings to ensure that you&rsquo;re reimbursed for everything you lose during a qualifying event. That&rsquo;s most easily accomplished with photos. Be sure to keep those photos somewhere safe outside your home. Uploading them to your Google drive or elsewhere in the cloud is a good idea.
Standard policy limits may not be sufficient to cover the cost of some belongings should they be stolen. Jewelry and antiques fall into this category. Most insurers allow you to upgrade your coverage by purchasing &ldquo;riders&rdquo; for these items. Often they require you to&nbsp;<a href="http://www.antiques.com/dealers/Antique-Appraisals/Texas/San-Antonio" target="_blank" rel="noopener">submit appraisals</a>&nbsp;for the high-value items you want to cover. You can&rsquo;t buy a rider for cash, though, so be sure never to keep a lot of it at home. Most policies limit cash recovery to $200 per incident.
Up until now, we&rsquo;ve been talking about protecting property.&nbsp;Liability insurance&mdash;the other type of coverage your mortgage lender will require you to carry&mdash;is designed to protect people. Specifically, it protects people who are injured on your property. Under some circumstances, it protects their personal property, as well.
Let&rsquo;s say your babysitter is taking your twins out for a stroll. She twists her ankle while stepping on a crack in your driveway, falls down, and splits her lip. She also cracks her smartphone. If she decides to sue you, your liability insurance would pay for the plastic surgery she needs to restore her to her former loveliness. It would also restore her cell service.
But some accidents result in very serious injuries, permanent disability, or death. The lawsuits that arise out of these incidents are complicated and homeowners can find themselves liable for millions of dollars. Liability insurance will cover your legal costs and, more importantly, protect your assets from being seized to satisfy a jury verdict. The more assets you have, the more liability insurance you need. In any case, the coverage required by your lending institution can amount to inadequate protection in the event of a catastrophic event on your property, because their only interest is in protecting you up to the value of your home. So you need to look out for yourself. For the fullest possible protection, it makes sense to buy as much insurance as you can afford. Then factor that cost into your homebuying budget.
Of course the amount of coverage you purchase will be reflected in your homeowner&rsquo;s insurance premiums. Higher coverage limits mean higher premiums. The value of your home and belongings and the neighborhood where you live will also have an impact on your premiums. Those factors aside, there are some ways to bring down the cost of most any policy.
The first is to choose a plan that has a high deductible. Only about&nbsp;<a href="https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance" target="_blank" rel="noopener">one in twenty</a>&nbsp;homeowners files a&nbsp;homeowner&rsquo;s insurance claim each year. You may be one of the lucky ones who doesn&rsquo;t have to. The amount you save by choosing a high deductible plan may make taking a gamble worthwhile. Bundling your home and auto insurance together with one insurance carrier can earn you a significant discount on both policies. Certain home improvements, like installing storm shutters, carbon monoxide detectors, or a home security system, can also lower your rates. But the first step in lowering your insurance costs is to shop around. The internet makes that pretty easy. Most insurers will provide you an estimated policy cost online and we recommend doing an apples-to-apples comparison with a range of insurers. And ask our office for help. Homeowner&rsquo;s insurance agents are part of a realtor&rsquo;s professional network. We&rsquo;d be happy to put you in touch with someone who can offer you sound, specific advice.
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Knowing facts about the importance of homeowners insurance is a most for every buyer today. 

The 'I' Factor in Homeownership

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Nearly half acre residential lot in the Rockin J Ranch community of Highway 281 North, just an hour's drive north of San Antonio.

Corner Residential Golf Course Lot in Rockin J Ranch, Blanco, TX | jerrynewmanhomes

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<div style="width: 640px;">Nice Almost Half Acre Residential Golf Lot located in the Texas Hill Country in the Golf Course Community at Rockin J Ranch in Blanco, TX.&nbsp; </div>
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<td valign="top" width="150"> Overview <a href="https://listings.realbird.com/Real-Estate/Lot-977-Junius-Peak-Blanco-TX-78606/Blanco/TX/A7C8D7D6/519740.aspx?tab=maps" target="_blank" rel="noopener">Maps</a> <a href="https://listings.realbird.com/Real-Estate/Lot-977-Junius-Peak-Blanco-TX-78606/Blanco/TX/A7C8D7D6/519740.aspx?tab=photos" target="_blank" rel="noopener">Photos</a> <a href="https://listings.realbird.com/Real-Estate/Lot-977-Junius-Peak-Blanco-TX-78606/Blanco/TX/A7C8D7D6/519740.aspx?tab=features" target="_blank" rel="noopener">Features</a> <a href="https://listings.realbird.com/Real-Estate/Lot-977-Junius-Peak-Blanco-TX-78606/Blanco/TX/A7C8D7D6/519740.aspx?tab=description" target="_blank" rel="noopener">Description</a> <a href="https://listings.realbird.com/Real-Estate/Lot-977-Junius-Peak-Blanco-TX-78606/Blanco/TX/A7C8D7D6/519740.aspx?tab=neighborhood" target="_blank" rel="noopener">Neighborhood</a> </td>
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<td style="background-color: #ededed;">$59,900</td>
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<td>Lots and Land</td>
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<td style="background-color: #ededed;">Main Features </td>
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<td>Lot: 0.48 acre(s) MLS #: 1334792 </td>
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<td style="background-color: #ededed;">Location </td>
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<div style="font-size: 14px;">Lot 977 Junius Peak Blanco, TX 78606 USA</div>
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<td style="width: auto; text-align: left;" align="left" valign="top"><img src="https://imageserver.realbird.com/proxy/?rb_id=A7C8D7D6&amp;tl=r&amp;time=636905158397891934" border="0" alt="Jerry Newman" /> </td>
<td style="width: 100%; padding-left: 10px;" align="left" valign="top">Jerry Newman
<div style="font-weight: normal;"> Brown Realty (210) 789-4216 <a href="mailto:JerryNew63@gmail.com">JerryNew63@gmail.com</a> <a href="http://JerryNewmanSARealEstate.com" target="_blank" rel="noopener">http://JerryNewmanSARealEstate.com</a> <a class="nohover" href="http://www.facebook.com/JerryNewmanSanAntonioHomes" target="_blank" title="Connect on Facebook" rel="nofollow noopener"><img src="//listings.realbird.com/3rd/icons/social/facebook.png" border="0" /></a>&nbsp;<a class="nohover" href="https://plus.google.com/u/0/+JerryNewmanSanAntonioRealEstate/posts?rel=author" target="_blank" title="See our Google+ profile" rel="noopener"><img src="//listings.realbird.com/3rd/icons/social/googleplus.png" border="0" /></a>&nbsp;<a class="nohover" href="http://twitter.com/jnewman62" target="_blank" title="Follow us on Twitter" rel="nofollow noopener"><img src="//listings.realbird.com/3rd/icons/social/twitter.png" border="0" /></a>&nbsp;<a class="nohover" href="http://www.linkedin.com/in/JerryNewman/" target="_blank" title="See our LinkedIn profile" rel="nofollow noopener"><img src="//listings.realbird.com/3rd/icons/social/linkedin.png" border="0" /></a>&nbsp;<a class="nohover" href="http://www.youtube.com/user/JerryN63" target="_blank" title="See our videos on YouTube" rel="nofollow noopener"><img src="//listings.realbird.com/3rd/icons/social/youtube.png" border="0" /></a>&nbsp;<a class="nohover" href="http://activerain.com/blogs/jnewman6" target="_blank" title="Meet us on ActiveRain" rel="nofollow noopener"><img src="//listings.realbird.com/3rd/icons/social/activerain.gif" border="0" /></a>&nbsp;
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 Listed by: Brown Realty SA </div>
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<div><a href="http://listings.realbird.com/A7C8D7D6/523479.aspx" target="_blank" rel="noopener">Freedom Springs Ranch Lot For Sale | $60,000 | PIPE CREEK, TX</a> <a href="http://listings.realbird.com/A7C8D7D6/534300.aspx" target="_blank" rel="noopener">Great investment Opportunity in Northwest San Antonio Area | $220,000 | Helotes, TX</a> <a href="http://listings.realbird.com/A7C8D7D6/519740.aspx" target="_blank" rel="noopener">Nice Almost Half Acre Residential Golf Lot | $59,900 | Blanco, TX</a></div>
 
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<h3 class="realbird_nearbyhomes_header">Nearby properties for sale</h3>
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Residential Golf Course Lot in Rockin J Ranch

Published 04/10/2019 | Written by Jerry Newman

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