Home Buying in 78245>Question Details

033796, Home Buyer in San Antonio, TX

Pre-approved for 150k USDA loan!

Asked by 033796, San Antonio, TX Thu Oct 11, 2012

Need help finding a trustworthy realtor for nw SA area. 151, 1604.....

Help the community by answering this question:


Doc & Ellen Stephens’ answer

Here is a list of ALL the homes in that general area which are said to be USDA eligible. I believe a few of them are listed as USDA eligible by mistake, but for the most part, the list at least gives you an idea of what is available. http://sabor.connectmls.com/listings.jsp?dcid=CB931C9464D818…

USDA loans take longer to underwrite than FHA, VA or Conventional, and are often subject to limited funding availability. Your agent will have to check out lots of details before you make an offer.

Good luck,

Ellen and Doc Stephens, REALTORS
1 vote Thank Flag Link Fri Oct 12, 2012
I love all the beware comments. State your case and move on without disparaging others in your profession. That is probably part the reason he is looking for a trustworthy agent.

Code of ethics has verbage about those type of comments.
1 vote Thank Flag Link Fri Oct 12, 2012
USDA is a government program that offers 100% financing on homes in the qualified area. You can always ask me if a property is eligible but if you want to check on your own here is the web link


The loan is 100% financing with no extra cost like the bond loan so you do not always need 6% closing cost. The seller is allowed to pay all the closing cost and rates are usually a little better then FHA plus the mortgage insurance is .40% compared to the 1.25% on FHA additionally there is an upfront guarantee fee of 2% but FHA has the upfront MIP of 1.75% so it is pretty close to the FHA but with a much lower payment and no down payment. The only drawback is that after we have underwritten the file we have to send the file to USDA to review so this usually takes an extra week or so. I love the program and use it as often as I can.
Bertha Garza
Home Team
0 votes Thank Flag Link Fri Oct 12, 2012
Anybody see an agent response containing an NAR Code of Ethics violation on here? Just curious about your thoughts.
0 votes Thank Flag Link Fri Oct 12, 2012
I always love posts like these becaus they bring out the "Hey Look At me, I'm a Realtor" type posts... I love the ones that say "I live out there" :) But... none of that means anything to you as a buyer... so I'll level with you... There are some scary questions you should ask when interviewing who will help you with what may be your largest investment.

So.. let's just throw out some questions that 99% of agents out there are scared to death you will ask.. :)

#1 - Why would I work with you instead of any one of the other 5000 Realtors in San Antonio
#2 - How many homes have you actually represented the buyer for, and can you show me your stats in the MLS sytem
#3 - How many years experince do you have doing real estate?
#4 - Are you a FULL TIME Realtor (beware of those who do real estate as a 2nd job!!)
#5 - Do you have an references I can call right now?
#6 - Which lender will you refer me to for my loan, and how long have you worked with them?
#7 - Tell me why I need you as my buyer's agent.
#8 - How many buyers are you working with right now?

Most agents really don't have strong answers to these questions. I would intervew quite a few before you settle on one.

You want the agent that is ready to work hard for you to get the best deal. Get the seller to pay your closing costs, come down on the price, make repairs, etc. They need to be more focused on what you need than they are on their commissions. That's the key. There are a lot of REALLY BAD Realtors in San Antonio, and there are some really good ones...

I have some great answers to all of those questions... give me a call, e-mail, or shoot me a text.. I'll throw my name in the hat :)

Jason C Campbell
Option One Real Estate
. http://www.SAHomeExpert.com
0 votes Thank Flag Link Fri Oct 12, 2012
if your still searching for an agent to help you , call me I am ready and willing .
Bertha Garza
Home Team
0 votes Thank Flag Link Fri Oct 12, 2012
Congratulations! Now call me to find the Best Home, the Best conditions and the BEST DEAL.
I have been in business since 1976.
Find your next home at http://www.JoseSellsSanAntonio.com
0 votes Thank Flag Link Fri Oct 12, 2012
I live and work in the NW San Antonio area by Seaworld.

I have 15 years of San Antonio experience.

I have managed a Real Estate office / Recruited for the company and been the trainer.

I know the area well having lived in this area since 1994.

I am retired from the Air Force.

Marty Shields
Real Living/Best Homes
0 votes Thank Flag Link Fri Oct 12, 2012
USDA loan aprroved housing is an excellent program, congratulations on your approval! Please consider working with any of the fine REALTORS who responded to you. Each of us has the knowledge and the professionalism to assist you.

Best of luck!

0 votes Thank Flag Link Fri Oct 12, 2012
Well, I think that's great about your USDA loan approval! As you can see from the responses, we are ready and willing to work with you. REALTORS® take an oath to put our client's needs first, even before our own. I take that oath very seriously and treat my clients with kindness and respect. Please review my Recommendations under my Profile here on Trulia; this will give you some insight into how I work with and treat my clients.

If you have already found a REALTOR®-Congratulations, if not, I would like to ask for an opportunity to interview with you for a chance to respresent you in your home search.

Thank you,

Monica Barrientos-REALTOR®
0 votes Thank Flag Link Thu Oct 11, 2012
Thank you, I will be contacting agents soon.
0 votes Thank Flag Link Thu Oct 11, 2012
Ray Blankenburg and Justin Werner are both RE/MAX agents. You will find that RE/MAX agents are top producers and typically highly trained in their field. I recommend you interviewing several agents and asking for references so you can make an informed decision.

Congratulations on the USDA financing. Way to go!
0 votes Thank Flag Link Thu Oct 11, 2012
We have thorough experience working with all the new home builders, in particular the ones that have USDA approved home in your requested areas. I have included a link to all homes in 78245 area and another for all homes in SA that match your requirements.


Call me and we can start setting up some showings.
0 votes Thank Flag Link Thu Oct 11, 2012
This is your guy --------------------------->
Call now!

Justin Werner, ABR, CDPE, CRS, SFR
Accredited Buyer Representative
Certified Distressed Property Expert
Certified Residential Specialist
Short Sale & Foreclosure Resource Certified
Platinum Top 50 Realtor Finalist 2011
RE/MAX Exclusive
210-367-4757 Cell
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Your Home Sold in 120 Days, GUARANTEED!
Save at least $2,500 on your next home purchase, GUARANTEED!
Do you know anyone falling behind on their mortgage payments? As a CDPE I can help.
0 votes Thank Flag Link Thu Oct 11, 2012
Congratulations on your pre-approval, the USDA loan program is a wonderful opportunity for you. I am available to talk over the phone and meet in person to give you a chance to decide if I am the right agent for you.

Kind regards,
0 votes Thank Flag Link Thu Oct 11, 2012
Absolutely call anytime! My lender is available tonight as a matter of fact. Call me! Thanks for reading.

Susan Casas
0 votes Thank Flag Link Thu Oct 11, 2012
Finding a trustworthy Realtor is easy, just call me.
0 votes Thank Flag Link Thu Oct 11, 2012
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