Thousand Oaks Home For Sale on Quiet Tree Lined CulDeSac

This beautiful home for sale is quite the deal in a great location inside loop 1604....convenient to shopping, restaurants, the airport and downtown...not to mention the Hill Country.

16206 Garden Oaks St 78232 MLS 871470

For more info or FREE San Antonio Home Search www.HollyGHomes.com

Conway Freight Bringing San Antonio Jobs!

San Antonio's housing market has been one of the more stable markets in the country...mostly because of our employment opportunities.

Conway Freight will be building a new 41,500 square ft service center on 30 acres in the North east area of San Antonio. They currently employ 104 people and have plans to hire 50 new employees.

This is just more good news for San Antonio's steady and healthy growth. San Antonio Business Journal has all of the goodies on the plans.

For information on the San Antonio Real Estate Market or a FREE San Antonio home search go to www.HollyGHomes.com

Interest Rates are Creeping Back Up!

I did say creep right? This upward movement of mortgage interest rates have been in every news article sent in my direction today.

30 year fixed mortgage rate has hit 5% first time since May...bullish economic outlook and strong retail sales are doing the push. Rates haven't been above 6% since November 2008.

Rismedia article gives fuller details from bankrate.com.

For more San Antonio real estate info or a free San Antonio Home search go to www.HollyGHomes.com

Is Your House Telling You It Needs Some Work?

If your home is older, it doesn't have to look shabby or neglected. Even a new construction home needs sprucing/work a couple of years after it's built.

Home inspectors will tell you to take care of the outside of a home before the inside. Keep tree branches trimmed away from your home to prevent damage from the branches and mold and lichen growth...Ivy growth on the walls can damage brick mortar and can leave muddy looking tracks from the rootlets on both masonry and wood. Fresh coats of exterior paint will keep a home looking vibrant and protected from the weather. Keep your decks looking young by coating with clear sealant every two years....grey splintered decks are less than attractive.

Moving inside, stagers have simple tips for updating your home. It might be time to update your storm door if you have the half glass/half something else...full view storm doors in a trim that matches the home is what's popular today.

Curtains....heavy layered curtains with sheers OUT...keep it light, bright and airy. Simple panels on the sides of the windows and perhaps some blinds for privacy if needed.

Wallpaper...OUT OUT OUT....take it down unless it is very subtle.

Lighting....Hollywood light strips in the baths can be replaced inexpensively to anything more modern.

Electrical outlets...if you have outlets and switches that have been painted over, spend a couple of dollars and replace all of these. Rooms look so crisp with new outlets and switches.

Worn carpeting....makes a whole house look tired. Rip it out and start over with new carpet, wood, laminate, or tile.

Molding...skinny is out and big molding around doors and windows is in....crown molding in rooms is also an inexpensive rich touch.

Address numbers....update your address numbers on your home and mailbox with bold heavy gauge numbers perhaps three dimensional. Really inexpensive way to wow up your home's curb appeal.

If you are thinking of selling your home, these items are a must check list to go over....otherwise, do these things for you and your home and enjoy being there everyday!

Go to www.HollyGHomes for a free San Antonio home search or more useful info.

New KFC Song...Not REal Estate...

This isn't Real Estate oriented but everyone needs a laff now and then and I have

been accused of having a sense of humor...!

Don't forget you can go to www.HollyGHomes.com for a free San Antonio home search.

Would You Rather Have a New Construction Home?

Many of us would rather purchase a brand new home with new current features and a builder warranty ... not to mention possible builder incentives to purchase.

Here are just a couple of new homes ready for move in at The Point in Bulverde Village.

For more information on areas, new construction, builder incentives or a free San Antonio Home search go to www.HollyGHomes.com

Upcoming Events for Bulverde Village in San Antonio

For those of you interested in Bulverde Village....my new neighborhood...here some upcoming events of interest.

10/5/10 National Night Out. From 6 to 9 PM residents in the community are urged to turn on their porch lights and get out in the front yard to meet their neighbors. What a great way to create a friendly community that watches out for each other.

10/16/10 Neighborhood Garage Sale. No permits needed for residents and we are sure to have great weather for treasure hunting.

For more information or a free San Antoni0 home search go to www.HollyGHomes.com

Be a Competitive Home Buyer!

It is still a buyer's market here in San Antonio but it is smart to be a competitive buyer no matter what the market. You never know when there will be multiple offers on any home for sale.

NUMBER 1...get pre-approved before you begin shopping. This will let you know what price tag you should be shopping for but also proves to any seller that you are ready, willing and able to purchase a home. I rarely submit an offer to a seller without submitting a letter from my buyer's lender....most sellers are reluctant to accept any offer without one.

2. Know what your budget is. Just because you are approved for $300K doesn't mean you should purchase that much house. You need to know how much mortgage payment your budget will allow for with a little extra to eat out now and then.

3. Make a strong offer. Your Realtor can help you with this. If bringing less money to the closing table is most important to you then perhaps you shouldn't slice the home's price tag too much and ask the seller to pay more of your closing costs....perhaps the closing date is more important to the seller so give there to get somewhere else.

4. Be or have a good negotiator to help you. There are many moving pieces to an offer... price, close date, closing costs, home warranty, repairs, option period....it never hurts to know what is important to each party and negotiate the terms to be a good fit for buyer and seller.

5. Be ready to buy....many Realtors have sad stories about the perfect house that got away because someone took too long to think it over.

For more information or a free San Antonio Home search go to www.HollyGHomes.com.

203K StreamLine Loans for Buying a Fixer Upper Home

Did you know that 80% of homes today are at least 20 years old and could probably use some updating? Have you or someone you know thought of getting this kind of fixer upper in a revitalizing neighborhood but wouldn't have the cash after closing to start the remodel?

A 203K Streamline loan is the product that would allow you as a buyer to roll those remodel expenses right into the note! The 203K is an FHA product and the Streamline portion is meant for homes that don't need structural work...just paint, carpeting, appliances, counter tops or basically aesthetic goodies up to $35K. The bank actually becomes in charge of making sure that the contractors are all FHA approved (so they don't run away with the $) and the remodel time line is followed and not to exceed 4-6 months. Not every lender is willing to take on this responsibility or do this type of loan.

This product is meant for home buyers that intend to occupy the home...not investors.

The intention is to revitalize many of our older neighborhoods and get them healthy again...great idea!

For more information on this loan product and qualified lenders to help you through a wonderful adventure such as this in the San Antonio area go to www.HollyGHomes.com or 210-883-4399 cell.

My Insurance Agent...I'm in Good Hands!

This is my Insurance Agent....she is creative and she cares!

For more information or a free San Antonio home search go to www.HollyGHomes.com

Picking the Right Home for You to Purchase

Everyone wants to pick the right house when they are house hunting...no one wants buyer's remorse 2 weeks to 6 months after you move in.

Here are some tips to follow when you begin your home search:

1. Find a good Realtor. You want one that can point things out you might miss as well as help with values and what you should offer.

2. Know what your budget is so you can pick the neighborhood that makes you feel warm and fuzzy AND fits the wallet.

3. Know what type home will make you happy for the next 7 years or so...will it be a one story or a two story...how many bedrooms and baths do you think you need, how much yard do you want to enjoy and take care of. Are you looking for new or a fixer upper?

4. Pay attention to the location of the homes that interest you. Are there busy streets in front/behind or in close proximity that you might find annoying in the near future or hurt your resale ability. Are power lines too close for your comfort, does drainage/flooding look like it could be an issue?

5. Be ready to make an offer when you have found the right home....if the home gives you a hug and meets most of the resale and need criteria you should make a strong compelling offer before anyone else buys it out from under you. I have seen it happen in all kinds of markets.

For more information or a free San Antonio Home search go to www.HollyGHomes.com

8 Top Reasons for You to Buy a Home Now

The media is all over the board when it comes to homeownership and buying a home in this market. Best time to buy....don't buy now....blah blah blah...

Here is my ten eight reason's to buy a home right now...and some of these reasons are timeless.

1. Current home prices are still great...good time to save money. It's still a buyer's market which makes it easier/acceptable to play hardball. Don't try and catch the bottom of the market. No one knows where the bottom is till the market goes up and anywhere in this market will be great for the long haul.

2. Interest rates are at historic lows! I don't have a crystal ball but they just can't stay this low forever. The lower the rate, the more house you can buy for the same payment.

3. Uncle Sam Tax Break. If you itemize your taxes, you can deduct your mortgage interest and your property taxes every year. You don't get that opportunity when you rent!

4. It's your home....you will be able to do whatever you want in your new home...paint or move your walls as you wish!

5. Investment for your future. Buying a home is not a get rich quick solution. At least you will be putting your money in a vessel you can sell when you wish.

6. Can be cheaper than renting. In some markets, the payment on a home you will own can be less expensive than renting a home/apartment of a lesser quality and space.

7. Large Home inventory for better choices....relocations, foreclosures, and lots of unsold human preowned.

8. Markets are cyclical and this one will change too eventually....the glut will disappear and the interest rates will go up....we just don't know when.

For more information or a free San Antonio home search go to www.HollyGHomes.com

Credit Score Misconceptions...

Having a great credit score can help you with more than just buying a home or a car...did you know that? Some insurance companies base what they charge off of a credit score...unfair maybe but it happens.

Here are a few misconceptions people have about their credit scores and what affects them:

Misconception 1: I am caught up now so paying late didn't hurt my credit score....wrong! Recent late payments are like poison for a credit score...keep that in mind.

Misconception 2: It's all about the dollar amount late that matters....wrong! Being late with $5 dollars will hurt your credit score the same as being late with $1000. Debt ratios and recency matters...always pay your bills on time every time.

Misconception 3: Help your credit score by closing credit card accounts...wrong. Canceling a card by ending what could be a good history and available credit...keep them open and current...practice restraint.

In tough economic times we have a tendency of putting more on credit cards rather than pay cash...try and stay on a budget and if your income is tight remember this while you are shopping "If I don't need it and I can't eat it, I can't have it!"

For more information or a free San Antonio home search go to www.HollyGHomes.com

FHA Lending to Change on September 7, 2010

Money changes are coming with FHA financing September 7....good and bad...

The upfront mortgage fees which increases the amount of money a buyer may have to bring to the closing table will drop from 2.25% to 1% so that's good...

MI is going to increase from .55% to between .85 and .90% depending on loan to value ratio. This will increase any FHA buyer's monthly payment...for example on a $175K home the payment would increase by $31 each month.

Interest rates are phenomenal at this moment so give it some thought to be under contract on a home before 9/7/2010....

For more information or a free San Antonio home search go to www.HollyGHomes.com

Build Your Dream Home in Vintage Oaks...1526 Vintage Way

This beautiful 1.54 acre lot is a steal at $68K which is less than originally paid for...level clear area in the front and beautifully wooded for privacy in the back. Vintage Oaks is an upscale Hill Country neighborhood with a classy mediteranean club house and large relaxing pools...and a lazy river. Enjoy the stars at night and perhaps a beverage from a nearby vineyard. For more info go to www.HollyGHomes.com.

Create your own video slideshow at animoto.com.

You and Your Home can be More Eco-Friendly

Everyone should make an effort to reduce their carbon footprint here in San Antonio...better for the environment and your pocketbook!

1. Use less water-turn the water off while brushing your teeth, take shorter showers, only run

full loads in the dishwasher and for laundry, buy from sustainable producers that pollute and

use less.

2. Use less energy-plan your errands for less driving, buy energy efficient appliances that use

less energy, unplug chargers when not in use(they continue to use power even when not

charging something), put TV's and other electronics on a power strip and turn that off when

not in use (these items use energy even when they are not on), walk or ride a bicycle on

short trips when possible, buy local...takes less energy for transportation.

3. Reuse-be creative here, old food jars can be used for all kinds of storage, paper towel and

toilet paper holders can be used to sow seeds in the garden and yogurt containers can be cut

and used as labels in the garden...just be creative.

4. Environmentally safe products- buying "natural" cleaning products doesn't always mean

they are natural or safe. Try making cleaners yourself. Did you know that Vinegar makes

a great cleaner and disinfectant for glass and other surfaces? Add some baking soda and

remove a stain or two.

Get the whole family involved and make it fun...while saving the environment and some bucks!

For more information or a free San Antonio home search go to www.HollyGHomes.com.

Tips for Decorating a Small Space

Small spaces can make big impressions with the right furniture pieces, accessories, and color splashes.

Lighting is extremely important. Blinds are too heavy for small spaces so frame the window with the right curtains or border and it never hurts to add lighting from a lamp.

Colors are best to kept to bright and light. Dark colors can absorb the light and make a space seem even smaller...go for rich color splashes or for more depth and breadth in the space use colors from similar hues...a little cohesion in the colors are very interesting.

Storage is always key for small spaces so dual purposed furniture or accessories. Keep clutter to a minimum and using glass, mirrors, or lucite can make a room appear less full.

Don't forget to keep the furniture to scale for the space...small to moderate.

For more information or a free San Antonio home search go to www.HollyGHomes.com

Stage Your Home and Not Spend a Fortune

Anyone thinking of selling their home today should realize how important it is for their home to look it's absolute best to win the beauty contest of the other homes that are also for sale.

Kitchen: Clean, clean, clean....the cabinets should look their best by either a good scrubbing or fresh paint and new hardware. The walls perhaps need a paint freshen up, clear off the counter tops and NO dishes left in the sink please.

Clean and paint high traffic areas...no dust, scuff marks, fingerprints....

Landscape: keep the lawn crisply mowed and watered...great looking lively lawns and landscaping sell a house faster and for more money!

Crisp, clean, fresh and decluttered doesn't cost an arm and a leg...just a bit of sweat equity if you will.

For more staging tips or professional stagers and a free San Antonio home search go to www.HollyGHomes.com.

This Month in Real Estate (US) : July 2010

1526 Vintage Way Lot for $70K

This beautifully shaded lot of 1.54 acres has cleared area for your dream home in the upscale of neighborhood of Vintage Oaks. Amenities center has 2 pools, a lazy river and an elegant entertaining area. Enjoy fine living in the wine hill country here in Vintage Oaks. For more info go to www.HollyGHomes.com

402 Rua de Matta in Hollywood Park Updated One Story for $190K!!!

Here is a great chance to live in beautiful Hollywood Park San Antonio for under $200K...usually a fixer upper at this price tag.

All new vinyl double paned windows through out, new flooring, water saving dual flush toilets, completely remodeled master bath, granite and stainless appliances in the kitchen on almost a half acre...plenty of shade from the mature oak trees...lots of space for outdoor gatherings!

This home is move in ready, no updating necessary.

402 Rua De Matta call 210-883-4399 for a showing appointment.

402 Rua De Matta for Sale in Hollywood Park

Cozy remodeled home in beautiful Hollywood Park in San Antonio. 3/2/2 with newly installed double paned low e windows throughout, year old gas water heater, water softener, stainless appliances and granite in the kitchen on almost a half acre!!!!!!! call 210-883-4399 for more info.

5 Good Beauty Tips for Selling Your Home

Although you may have heard these tips before in reference to getting your home ready for the market, they are SUCCESSFUL tips so here they are again.

1. Declutter! Less is more here to show off your home's space and clutter is a huge distraction to buyers with no imagination.

2. Depersonalize. Your home needs to appeal to the masses and for safety reasons, the public

does not need to know what you or your family members look like. Potential buyers need

to be able to see themselves in your home....not you.

3. Deep Clean. Nothing says I love you like clean....the floors, carpets, baseboards, windows,

railings, hallways, porches and decks.

4. Lighten & Brighten. Light colors on the walls and window curtains open...best for home

showing.

5. Keep the rooms purpose in mind...buyer's imagination is sometimes limited so have beds in

bedrooms, dining table in the dining room (you get the picture)

For more information or a free San Antonio Home search go to www.HollyGHomes.com.

Real Estate - Short Sale Info!

This is a pretty good overview of what is involved in a Short sale and an outline explanation of why a short sale is not a quick process.....for more info or a free San Antonio home search go to

www.HollyGHomes.com

All Time Lows on Interest Rates for Mortgage Loans

Mortgage interest rates have recently hit 4.75%....wow that is really low. Rates this low can help a homebuyer purchase more house for the same payment or how about refinancing an existing mortgage note (if you are planning to stay put for at least 5 years or more).

If you are thinking of purchasing a home in San Antonio this could be a very good moment to do just that...interest rates are really low, inventory of homes is plentiful and home values are still reasonable.

For more information or a free San Antonio Home search go to www.HollyGHomes.com.

14726 Bluemist Pass in Legacy Oaks for Sale!

This very clean and well cared for home has an open comfortable floor plan. Such a great location for this charming neighborhood in the North side of San Antonio not to mention what a great price tag as well...

Go to www.HollyGHomes.com for more information on this home or for a free San Antonio home search.

Mortgage Interest Rates Hitting Some Lows!

Even though the tax credit is gone buying a home with the interest rates this low can really reduce that mortgage payment. So you could buy more house for the same payment or buy a home at the price originally considered and walk away with a lesser payment.

At this moment, a "well qualified" buyer could possibly get a conventional 30 year fixed rate note at 4.5% or an FHA 30 year fixed note at around 4.4% or less...check with your favorite lender to verify rates.

This could be a great time to refinance your home as well. A good rule of thumb would be for the new rate to be at least 2 percentage points lower than your current rate.

For more information or a free San Antonio home search go to www.HollyGHomes.com.

Tips for Improving or Maintaining Your Credit Score

This site pretty well sums up what to do or not do that will have an impact or your credit score today and long term.

http://rismedia.com/lowes/8355/8496

Pay your bills on time, watch how much debt you create, and guard your credit score viciously!

For more information or a free San Antonio home search go to www.HollyGHomes.com.

May 2010 Real Estate Update Post Tax Credit

Keep in mind that real estate is local and San Antonio's market has remained quite steady compared to the National market as a whole.

So here is a short video that reflects the National Economy and Market....

For more information on San Antonio's real estate market or a free San Antonio Home search go to www.HollyGHomes.com

Finding New Real Estate for Pets in San Antonio

Finding a home for humans is very rewarding and I am discovering that finding new homes for pets can be just as rewarding.

May 22 there will be a doggie dash to raise funds for Homes for Pets which is my favorite non profit ...they have no overhead just vet expenses. There is a raffle for cool prizes and the opportunity to run a 5k or walk a 3k. For more info on pets for adoption or the doggie dash, go to www.HomesforPets.org.

For information on San Antonio Real Estate or a free San Antonio home search go to www.HollyGHomes.com.

Proud New Homeowners in San Antonio's Sundance Trails!

More Proud New home owners!

Nothing like starting the work week with packing and moving but so worth the work when you finally get to your first peaceful moments in your new home.

...new construction home or preowned, it's a wonderful moment that I am blessed to be a part of.

For more info on how you can be a happy home buyer or for a free San Antonio home search go to www.HollyGHomes.com.

Proud New Homeowners in San Antonio!

Nothing much beats the excitement of handing over the keys to an excited first time homebuyer!

That excitement is contagious! I would be a part of this every day if I could.

Let me know if I can help you or someone you know get to a happy moment such as this.

www.HollyGHomes.com

Loan Modifications Could Lower Credit Score

Did you know that if you decide to get and are granted a loan modification that your credit score could be lowered by as much as 100 points????? Many housing counselors feel this is unfair to impose such a penalty on people trying to do the right thing and not go into foreclosure.

The credit rating industry defends this practice noting that people asking for this are already in dire straights and an actual foreclosure could reduce a credit rating 150 points or more.

For more info or a free San Antonio home search go to www.HollyGHomes.com.

Interest Rates are Beginning Their Upward Climb!

Surely you didn't think the interest rates would stay in the 4's to low 5's forever?????

The government has ended their buying program that kept rates low and intentions to keep spending in check is putting the upward climb in interest rates in gear.

No one expects for the rates to skyrocket but they do believe it will hit mortgage rates first.

If you are thinking of purchasing a home...there is a limited amount of time to take advantage of the tax credits, the low interest rates and the current home values.

Get cracking and call your Realtor soon!

For more information or a free San Antonio home search go to www.HollyGHomes.com.

Price Improvement on 2825 Crusader Bend...Belmont Park

Are you looking for a spacious home in Belmont Park in Cibolo Texas...peace and quiet, newer home, wonderful neighborhood, outside of San Antonio city taxes (lower tax rate)?????

This could be the home for you with 2152 sq ft in a two story with all the bedrooms upstairs, large kitchen, large master suite with it's own master bath and walk in closet, mostly tiled downstairs....and an oversized back yard!!!!!

Fresh price improvement....and don't forget to take advantage of the tax credit if you can that ends on April 30-2010.

For more info on this house or a free home search go to www.HollyGHomes.com.

Do You Need a Realtor to Get You Through Your Next Home Purchase?

With the expansion of the internet, 80% of home buyers are beginning their home search online. I am more concerned with placing my listings into internet syndication way before I think of paper advertising. Having said that, many buyers are locating the perfect house on line.

So what do you need the representation of your own Realtor for? The listing agent is usually more than happy to show you a home in hopes that you like this one....

Did you know that the listing agent only represents the seller of that home and their job is get the best highest price for that home. They are able to help you write an offer for their listing but their fiduciary responsibility is a bit opposite of your personal goal to get your dream home at the best price for you!

How will you know if the price you are offering is good deal? Will that agent tell you everything that would be in YOUR best interest in terms of the option period, asking the seller to pay for title, survey, some of your closing costs....Same goes for new construction homes, will you know all the right questions to ask the sales person so you don't miss any perks that could be available to you?

Finding the right home is truly just a small portion of what a great Buyer's Agent does. The real beginning is finding out what the home is worth, how to structure the offer to benefit the buyer financially, getting through the inspection and appraisal and coordinating the close of the home.

For more information on how to find a great Realtor to represent you through the buying process go to www.HollyGHomes.com ....Free San Antonio home search is there as well.

Hey First Time Home Buyer's, Don't Miss the Tax Credit!

Just a reminder that the first time home buyer tax credit will be going away after April 30, 2010!

You must be under contract by April 30 and close on your home by June 30 to qualify for that $8,000.

There is also a $6500 credit available to home buyers that have owned their current home for at least 5 years.

Go to www.HollyGHomes.com for more information or a free San Antonio Home search.

Remodeled Home in Coronado Village!

Great remodeled home in Coronado Village and best price in the neighborhood!

Create your own video slideshow at animoto.com.

Go to www.HollyGHomes.com for more information about this home or for a free San Antonio home search.

1.54 Wooded Acres in Vintage Oaks ...New Braunfels

This beautiful Lot in Vintage Oaks at the Vineyard has a level cleared spot right at the front of the lot with lots of mature trees...wooded area...for privacy and peace in the backyard. Build your dream home in the peace of hill country and watch the stars at night with some vineyard wines!!!!! Only $75K

Create your own video slideshow at animoto.com.

Go to www.HollyGHomes.com for more info or call 210-883-4399

2825 Crusader Bend Home for Sale in Cibolo

This Popular 2 story is sitting on an irregular lot with a huge back yard and NO backyard

neighbors!!!!! The inside is great too...

Create your own video slideshow at animoto.com.

Call or email me if you would like more info or go to www.HollyGHomes.com.

Fannie Mae Assistance to Home Buyers

For all of you would be home buyer's here in beautiful San Antonio...There is more assistance in $$$$ to help you buy a home.

From 1/28/10 till 4/30/10 Fannie Mae is offering a 3.5% incentive on it's homes...that would be 3.5% of the purchase price to be applied as you choose to your closing costs or to new Whirlpool Appliances or mix as you wish.

For information go to www.Homepath.com or visit my website at www.HollyGHomes.com for more info or a free San Antonio home search.

Most importantly, don't forget that the 8K tax credit will come to an end and that you must be under contract by April 30, 2010 and close by June 30, 2010 to qualify.

Price Improvement on 2824 Red Bud in Schertz!

Just a quick pricing update for this great Deal on a Plantation Home in the beautiful Greenshire neighborhood of Schertz Texas. This spacious home has 26ooish square feet, 4 bedrooms (master down), 2.5 baths, 2 car garage AND a back yard shaded by beautifully mature oak trees.
Quite the steal for this much sophisticated space at just $205,000.
Get this one under contract before April 30th and perhaps qualify for the 8K tax credit if you are a first time home buyer or maybe $6500 if you have owned your current home for at least 5 years!
For more information on this DEAL go to www.HollyGHomes.com or a free San Antonio and surrounding areas home search FREE!

Buying A Smaller Home in San Antonio

The average home size purchased in 2009 fell from 2520 to 2480.
Owning a smaller home can definitely have it's upside...or should I say downsizing of expenses. Smaller homes use less energy to heat and cool, more likely to have lower property taxes, and consumes way less personal energy to clean and decorate.
Downsizing is a great opportunity to clean out the clutter and rid yourself and home of unused extra "stuff". Do not avoid this golden opportunity by getting a storage shed...who needs to waste precious hard earned income on storing this extra unused stuff!
This "buyer's market" moment in time is the time pounce on getting that home you have been dreaming of...and don't forget to take advantage of the 8K tax credit if you are a first time home buyer or the $6500 tax credit extended to current home owners that have owned their current home for at least 5 yrs.
For more information on the tax credit or the current real estate market conditions... or a free San Antonio home search go to www.HollyGHomes.com.

Proposed Mortgage Lending Changes

Just when you thought it was safe to go in the water....
FHA notes currently require a 3.5% down payment and the ability to allow a seller to contribute up to 6% toward a buyer's closing costs. The proposed changes for the spring or early summer of 2010 will remain 3.5% down with a good credit score and will rise to a wopping 10% down for scores under 580...
Seller contribution will also be reduced from 6% to 3%.
Now if that's not enough to get a contemplating buyer off the fence, the FED will be winding down some of their current programs that have been keeping the interest rates low.
So buy now and get a great interest rate and the seller to pay for your closing costs with minimal downpayment...or wait till later and see what it could cost you.
Currently our San Antonio housing market has much to choose from with great pricing...our home values here didn't take a nose dive and they are starting to improve in many locations...so I wouldn't anticipate a lowering there with the exception of the foreclosed homes.
For more information or a free San Antonio Home search go to www.HollyGHomes.com.

2814 Crusader Bend...Home for Sale in Cibolo!

This beautiful one story home has a wonderful open floor plan and what a deal...! Smart elegant and spacious living close to Randolph AFB, great shopping and dining. Sprinkler system and covered patio in a very peaceful neighborhood.




For more information on this listing or a free San Antonio home search, go to www.HollyGHomes.com and don't forget the clock is ticking on the home buying tax credit!

Home Buying Assistance from the City of San Antonio

The city of San Antonio is again offering help to home buyers in 2010 by offering classes for home buyers and down payment assistance. There are stipulations and qualifications and limitations as you may have guessed...here are a few brief highlights

* home must be in the City of San Antonio taxing authority

* upper limit for price at $110,000

* max assistance of $12,000 to be repaid at 3% interest rate

For much more in depth information on the available programs go to www.sanantonio.gov/nad/hip

For more info on San Antonio Real Estate or a free San Antonio home search go to www.HollyGHomes.com

Strong & Stable Real Estate Market in San Antonio

There are many contributors to the strength of the San Antonio Real Estate Market...our strong Military Bases, New business and new employment, tourism and our great Texas weather.




San Antonio Mayor Julian Castro gives a great summation of conditions here. Texas is a great place to be from an economic (among others) standpoint!

For more information or a free San Antonio Home search go to www.HollyGHomes.com