Home Buying in San Antonio>Question Details

delagarza_am…, Real Estate Pro in San Antonio, TX

Hello, my boyfriend and i want to start looking for a house to buy but we don't know where to start by any chance will someone tell me where start.

Asked by delagarza_amber, San Antonio, TX Sun Dec 15, 2013

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28
Okay, I'm not an agent but I have been through several home purchases.

1) Finding out how much of a loan you can get is a great starting point. Remember, though, that you DON'T need to go to the top of that amount when you buy a house. Spend LESS than you are approved for so you can afford to do repairs. When you look at your personal budget to see what monthly payment you can afford, remember that you will have to be paying insurance, taxes, repair costs, and utilities. You probably will want to paint and maybe even buy new flooring or carpeting, preferably before you move in.

2) Make a wish list. Go visit some open houses to see what you like and what you don't like so you can give your agent some solid ideas. Realize that you probably won't get everything you want so decide which items are "deal breakers". When you look with your real estate agent, try to look past cosmetic things, things that you can change easily, like paint color or wall paper, but be aware of things that are expensive to fix, like the roof or cracks in the walls that may indicate foundation problems.

3) Getting an agent will cost money but it has been my experience that it is money well spent. They can guide you as to the best type of loan. (A FIXED mortgage is the only way I buy.) They can also guide you to the best areas for your money. (I'd tell the agent $10,000 less than I really wanted to spend because almost every agent I've ever dealt with showed me homes above my stated price range.).

4) One more absolute must: Get the house inspected before you buy. (And if the seller will buy you a year of Home Owners Insurance for appliances, it is great for your piece of mind.)

5) And, in my opinion, a good house in a good location is better than a great house in a bad location!

6) Also, there are government advantages for first time home buyers, regardless of age. Be sure to check that out, too

Happy House Hunting!
2 votes Thank Flag Link Sun Dec 22, 2013
Great Tips. Thanks.
Flag Sun Dec 22, 2013
Thanks for your question.

Start with the many fine agents responding to this question, and get pre approved first.

Good luck in the New Year, you will be just fine by asking the right questions.

Ruth
Web Reference: http://www.ruthandperry.com
0 votes Thank Flag Link Thu Jan 2, 2014
Hey Amber,
I would highly recommend that you speak with a lender and go through the pre qualification process. It's a FREE process and might take you 30 minutes or so to complete. It can all be done digitally via email. Jeff Cameron with First Cal Tex is the best loan officer I have ever worked with when it comes to walking first time home buyers through the lending process. His contact info is: jcameron@FirstCalTexas.net. Your gonna love him. Knowing what you are approved for help to put focus in your home search. In the mean time if you would like to view some properties please let me know. It is so worth your time to tour some homes and find what is most important to you and what will meet your needs the best. Have a very Merry Christmas my friend.

Here to serve,
Jeremiah Cope
Cope Real Estate
210.367.4347
jeremiahcope@mac.com
0 votes Thank Flag Link Mon Dec 23, 2013
You can prequalify yourself.
Banks will lend you 45% of your gross income for the house payment. You can find your payment using a Mortgage Calculator online.
For example $3,000/mo. gives you a maximum mortgage payment of $1,350 a month with PITI (Principle, Interest, Taxes & Insurance). This is the max you can borrow but you should budget yourself and know which payment you can afford comfortably before you speak to a Loan Professional. There will be many other factors to review but this is just a quick way to DIY not official. You don't want to go over your own budget.
I always ask first what is the max you feel you can afford that is always the safest way to go.

Best of luck,
Frank Marta "Texas Home Loan Specialist"
Owner/ Broker
NuHome Group, LLC
Loans@nuhomegroup.com
Ph:713-373-0345
Web Reference: http://Www.nuhomegroup.com
0 votes Thank Flag Link Mon Dec 23, 2013
Seriously?
How many people making $3000 will qualify for $1,350? maybe 1% of your clients?
Flag Mon Dec 23, 2013
Frank, you need to change your designation...it says you are a "home buyer."
Flag Mon Dec 23, 2013
To learn a lot about various things involved in a house buying decision look at this link. http://www.trulia.com/blog/dan_chase/

Below are 2 links you can find within the link above.
http://www.trulia.com/blog/dan_chase/2010/01/its_your_first_…

http://www.trulia.com/blog/dan_chase/2010/01/i_want_to_buy_a…
0 votes Thank Flag Link Mon Dec 23, 2013
Good morning,
Please feel free to contact me to start the process of searching for a new home. This is a very exciting time in your life and you need a real estate professional who will walk you through every step of the way, I love first time home buyers and am a teacher at heart. It would be an honor to serve you.
0 votes Thank Flag Link Mon Dec 23, 2013
Amber, you want to contact a licensed Realtor to assist you. They are the experts and will assist with the whole process. Most realtors will have a team that can assist with every thing from your loan to a good title company for closing. A good way to locate a great agent is through referrals. You want someone who is working for you and is looking out for your interest. Enjoy - it's a wonderful experience and you will want to have someone on your side to make it as stress-free as possible.
0 votes Thank Flag Link Sun Dec 22, 2013
Hi Amber,

I'm an Accredited Buyers Rep and specialize in assisting First Time Buyers. I'll step you thru the entire process from Pre-Approval to closing!

My contact info is below. Give me a call at your earliest convenience!

Please let me know if I can be of any further assistance!

"I'll Find You The House, You Make It A Home!"

Cornel "Chuck" Berry, REALTOR®, (USAF Retired),
Real Estate Consultant, Lic# 0615965,
GRI, ABR, e-Pro, MRP, CNE, TAHS, SFR, Cartus CSA/NBS, MA,
Coldwell Banker D'Ann Harper, REALTORS®,
18756 Stone Oak Pkwy., Suite 101.
San Antonio, TX 78258.
Cell: (210) 683-1157
Direct: (210) 483-7552
Fax: (210) 483-4679
Email: cberry@cbharper.com
Web Page: http://www.chuckberryrealtor.com
CBDHR Intro: http://youtu.be/Lp8C1naryD8

Info about Brokerage Services: ww.trec.state.tx.us/pdf/contracts/OP-K.pdf

Get a **$50.00** referral fee for each buyer/seller you refer, paid at closing!
0 votes Thank Flag Link Sun Dec 22, 2013
I am a first time Home Buyer. I would really like some tips on mortgages for low income people 50 and over can you help me.
0 votes Thank Flag Link Sun Dec 22, 2013
You could see if you could get a loan first,& see how much you could spend,or what they'll give you. Just start loookin',& see where you'd like to live.What area.
0 votes Thank Flag Link Sun Dec 22, 2013
Actually, do NOT get pre-qualified. Get pre-APPROVED for a mortgage!
0 votes Thank Flag Link Tue Dec 17, 2013
Hello,

The best place to start is to get pre-qualified for a mortgage loan first, unless you are a cash buyer. You won't be able to purchase a home or even put an offer without a pre-qualification letter. I will be happy to assist you with that and point you in the right direction. Please feel free to contact me at:

Danny Nassar
Sr. Mortgage Consultant
NMLS 220172
Amcap Mortgage
• cell 512-743-5512 • office 512-342-1038 • fax 512-287-4373

Thank you!
0 votes Thank Flag Link Mon Dec 16, 2013
Hello Amber,

I am a mortgage broker in the Austin area. I would be happy to talk to you about what you need to know and do as far as mortgages are concerned. My first recommendation is to talk to some lenders and get approved so you can see where you stand from a credit point of view.

From there you can see how much home you want to buy which may not be the full amount you are approved for. There are a lot of options and assistance programs. Being a Texas mortgage broker I work at the wholesale level and can help you because I have a lot of options and lenders to choose from.

Hope this helps.

_____________________________________________________
Don Groff | REALTOR® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | listings@dongroff.com
websites: http://www.AustinListed.com | http://www.360LendingGroup.com
0 votes Thank Flag Link Mon Dec 16, 2013
http://www.NAEBA.org is where I would start.
0 votes Thank Flag Link Mon Dec 16, 2013
Amber,

Give me a call or email me. I would like to set up a time to sit down with you and explain the home buying process. I will walk you through the entire process and make buying your first home an enjoyable process.


Best Regards,

Johnny E Williams
210-858-7899
johnny@SAHomesTX.com
http://www.SAHomesTX.com
Mission Real Estate Group
0 votes Thank Flag Link Mon Dec 16, 2013
Amber,

The best bet is to start with a 30-minute consultation. We can meet with you and answer all of your questions, explain the benefits of owning a home, give you detailed information regarding financing. If you decide that buying a home is right for you, then we can move on to phase 2 which is helping you select and purchase the right home. There is never any charge for our service. Please let me know if we can be of service.

210-275-3558
ztaylor@remax.net
REMAX 360
Web Reference: http://www.youreasymove.com
0 votes Thank Flag Link Mon Dec 16, 2013
Good Morning Amber,

The best place to start is to connect with an experienced Realtor whose job it is to guide you through the process.

Put my 27 years of experience to work for you. Call anytime. My contact information is below.

Bob

San Antonio Real Estate The Way it Should Be!
Bob Leonard, Texas Broker, abr, crs, gri, e-pro, sres
Past Chairman of the Board, San Antonio Board of Realtors
Texas Association of Realtors Regional Vice President
Re/Max Associates; Texas Associate Broker
San Antonio, Texas
210-581-2025
BobLeonardTX@GMail.com
http://www.BestSanAntonioHomes.com
Visit Bob on Linkedin here
Visit Bob on Facebook here
Texas Broker's License #0378939
Texas law requires all licensees to give the following to all prospects and clients: http://www.trec.state.tx.us/pdf/contracts/OP-K.pdf
0 votes Thank Flag Link Mon Dec 16, 2013
Hi, congratulations on your decision of becoming a home owner. To start I would suggest you hire a Realtor. He/she would know how to guide you from beginning to end and will make the process a lot smoother for you. Realtor services are usually free for a buyer ( the seller pays the commission), so it make all the sense to work with one. I have been helping first time buyers like you to become home owners for the last 25 years, so feel free to give me a call and I will be ready to work with you.
Carlos Ares, Realtor
210-275-8759
http://carlitos.listingbook.com
0 votes Thank Flag Link Mon Dec 16, 2013
Draw up an exit strategy before you leap, you can’t divorce a boyfriend. What happens if he gets hit by a truck, will you own the property with his parents or siblings? Usually the calls I receive after the relationship tanks is from the one left in possession of the property, they cannot afford the payment, can’t refinance because the other party won’t cooperate, can’t sell, etc.

It is all warm and fuzzy on the front end, not so much if things go bad. So protect each other with a legal contract on the front end, signed at the closing, it should outline what happens if either party wants out or becomes incapacitated, etc.

I hope sharing my experience dealing with others protects you, good luck,

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
Web Reference: http://jamessimms.com/
0 votes Thank Flag Link Mon Dec 16, 2013
When you want to buy a home without getting ripped off, hire an Exclusive Buyer Agent. EBAs only work with homebuyers and there is never a conflict of interest that will jeopardize your negotiating position. Visit http://www.naeba.org for a referral to an Exclusive Buyer's Agent in your area.

I've written a best selling book called Buying a Home: Don't Let Them Make a Monkey Out of You. It'll teach you how to buy a home without getting ripped off.. Follow the link below.

Best of luck!

Alysse Musgrave
214-734-3863
Alysse@HelpUBuyAmerica.com
http://www.HelpUBuyAmerica.com
0 votes Thank Flag Link Mon Dec 16, 2013
While it is always a good idea to consult with attorney before entering into any major contract, because you are not married, it is a MUST.
Then check with a mortgage broker or your credit union to see how much you can afford.
Then contact a Realtor and begin your search. Happy house hunting.
0 votes Thank Flag Link Mon Dec 16, 2013
Hi, First you want to get yourself pre approved for a mortgage. The banks will tell you how much they are willing to lend based on your current financial snapshot. Once you have this number you can shop with confidence and know exactly what price range you can look in. Next step is to find an agent to work with. I suggest you get a referral from a friend, colleague, or family member as you will trust them most. the agent you select will then meet with you to discuss the process and all of your options, make sure you request this meeting.

Good luck!

Chris
0 votes Thank Flag Link Mon Dec 16, 2013
Hi Amber,

I'm an Accredited Buyers Rep and specialize in assisting first time buyers. I'd be thrilled to help you as well.

Have you been pre-qualified?! I have numerous mortgage brokers at my disposal to secure the best rates and loan products for your situation.

My contact info is below. Call me ASAP and let me craft a strategy for you. I'll step you thru the entire process and guide each step of the way from qualification to closing.

Please let me know if I can be of any further assistance!

"I'll Find You The House, You Make It A Home!"

Cornel "Chuck" Berry, REALTOR®, (USAF Retired),
Real Estate Consultant, Lic# 0615965,
GRI, ABR, e-Pro, MRP, CNE, TAHS, SFR, Cartus CSA/NBS, MA,
Coldwell Banker D'Ann Harper, REALTORS®,
18756 Stone Oak Pkwy., Suite 101.
San Antonio, TX 78258.
Cell: (210) 683-1157
Direct: (210) 483-7552
Fax: (210) 483-4679
Email: cberry@cbharper.com
Web Page: http://www.chuckberryrealtor.com
CBDHR Intro: http://youtu.be/Lp8C1naryD8

Info about Brokerage Services: ww.trec.state.tx.us/pdf/contracts/OP-K.pdf

Get a **$50.00** referral fee for each buyer/seller you refer, paid at closing!
0 votes Thank Flag Link Mon Dec 16, 2013
Hi Amber. Starting your search can seem to be confusing at first. Having someone to guide you each step of the way will help with any confusion or questions you may have. Having someone on your side to help will also give you a peaceful sense of direction. First of all, what is it you are looking for and when are you thinking of moving? You probably have a "wish list" It would be my pleasure to assist you in your search and put you in great hands with a lender if you don't already have one. My clients know that all they have to do is "like the home" and I take care of the rest! Feel free to call or text anytime. You may also conduct a search n my web site or email me. I look forward to helping you and your boyfriend start your search...

Respectfully, Laura (Tx.Lic. 623526)

SA # (830-200-8717)
email laura@laurayznagarealtor.com
Web http://www.laura@laurayznagarealtor.com
0 votes Thank Flag Link Sun Dec 15, 2013
Hi Amber,
The best thing is to get with a Real Estate Agent such as myself. I will be happy
to help you find a home that you and your boyfriend will enjoy for years to come.
My contact information is

Anna Miranda, Realtor
annamiranda001@yahoo.com
210-978-4926
0 votes Thank Flag Link Sun Dec 15, 2013
I sure can, let's get you pre approved with my lender, she's the best! Call or text me anytime. I work late as well as my lender. Thank you for reading.

Susan Casas
210-835-6696
0 votes Thank Flag Link Sun Dec 15, 2013
Hi.... I actually specialize in the hand holding type service that first time home buyers want.
Start to finish, I can explain things to you in layman's terms so you can make decisions without guessing.

Give me a call and lets chat about where you are and what we need to do to put those keys in your hands.

Good luck
Tom


Tom Burris
Mortgage Banker
http://www.dallasloanguy.com/
(214) 763-4629 cell/text/nights/weekends(Really!!)
tburris@servicefirstmtg.com
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
.
9yr Veteran navigating Mortgages for wonderful clients.
0 votes Thank Flag Link Sun Dec 15, 2013
Hello delagarza_am,
Definitely your boyfriend and yourself should start with a pre approval letter from a lender. If you don't have a lender, I have a wonderful one that I have a great relationship with. She's quick amd very knowledgeable. Contact me for more info.
Carole Barnes
Keller Williams
210-846-7551
carole.barnes@kw.com
carolebarnes.kwrealty.com
0 votes Thank Flag Link Sun Dec 15, 2013
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