Frequently Asked Questions

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While attending open houses is much more exciting than filling out paperwork, the first step a homebuyer should take is getting pre-approved for a loan. This helps you determine how much house you can afford and set a firm budget. Sellers are also more inclined to take you seriously and consider your offer if they know the home is within your pre-approved limit. 

When determining how much home you can afford and whether you are eligible for a home loan, a lender will look at your credit score. Typically, you need a score of 580 and higher to qualify, but it is recommended to have a 620 or higher. The higher your credit score, the better lending terms you may be eligible for. 

While it depends on the type of loan, most mortgage lenders require at least a 3-percent down payment, an FHA loans require a minimum of 3.5-percent down, while VA loans do NOT require any down payment at all. The percentage you are required to put down will depend on your credit history, the type of property, and several other factors. There also could be programs available from the Lender to assist wiIn 2014, the average down payment was 14 percent.  

There is no right or wrong number of homes you should view before making an offer. Some people find their dream home on day one while others house hunt for months. View as many as it takes to find the home that fits your needs. 

Start by viewing MLS listings on a real estate database, such as www.realtor.com. Narrow down the results by searching for homes within your price range and with the desired number of bedrooms and bathrooms. I can also research homes and make recommendations based on your criteria. 

No one wants to live in a dangerous city, a real estate agent can’t help you with this question. Due to the Fair Housing Act, a real estate agent cannot answer questions regarding crime statistics. Before starting your house hunt, research crime data for the cities and neighborhoods you are considering. 

I serve the San Antonio greater metropolitan area, and all surrounding suburbs.

I have been in the real estate industry for over 16 years and have helped countless clients buy, and sell their properiets.

Yes, we offer virtual tours of properties for clients who are unable to visit in person. Contact me for more information and to schedule a virtual tour.