San Antonio, Bulverde and San Antonio Military Bases, Texas real estate listings, home buying, selling and relocation information

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Loan Information: San Antonio, Bulverde and San Antonio Military Bases, Texas home buying, real estate listings, and homes for sale in Bexar County, TX

Welcome > Resources > Loan Information ...

If you plan to purchase a home, it's best to find out what you can afford sooner than later. Any lender will pre-qualify you based on your family income, debts, and credit history. Even folks with bad credit history can usually qualify for a mortgage loan. Ironically, lender's often charge a higher interest rate for mortgage loans granted to folks with poor credit. But, those buyers still get their homes.

You can go to this site, enter the requested information, and get a rough estimate of how much you should be able to borrow. The site doesn't link to other source:

http://www.mortgagecalc.com/payment/howmuchborrow.html

We recommend you use a lender that has a loan officer actually located in San Antonio, and
we recommend that you not use one of the on-line-lenders. Why? If you use an Internet lender, you'll still get your mortgage loan, but might have problems with the lender's responsiveness and punctuality when you close on the sale.

Here are some lenders you might consider contacting (only because they've given good service to my past Buyers -- I have no business affiliation with any of these folks).

Pam O'Bryant
Town & Country Mortgage
613 NW Loop 410, Suite 650
San Antonio, TX, 78216
Office: 800-495-8800
Mobile: 210-293-2302
Fax: 210-495-8908
Email: pobryant@satxhomeloans.com

Watkins, JP
9311 San Pedro, #Suite 100, San Antonio, TX, 78216
Company name: SWBC Mortgage Corporation
Business: 210-826-6999
Mobile: 210-837-3006
Fax: 210-490-7253
Email: jpwatkins@swbc.com
http://www.swbcmortgage.com

Pat Goolsby
Criterion Mortgage
24170 Highway 281 North
San Antonio, TX 78258
Office: (830)980-5344
Fax:(830)980-5553
Mobile (830)601-5927
pgoolsby@criterionmortgage.com
www.criterionmortgage.com

Please call or send an E-mail if you have questions, need San Antonio, Bulverde and San Antonio Military Bases realty advice or assistance, or want to know the best ways and means to acquire a San Antonio, Bulverde and San Antonio Military Bases area property.

Randall R. (Randy) Kelley
San Antonio RealtorŽ
Internet Realty Services Advisor and Buyer Agency Specialist
http://sanantoniohomequest.com
Legacy Group - An Independently Owned & Operated Keller Williams Office
1-800-201-9145 (210) 863-2661 (Randy) or (210) 867-8743 (Stephanie)

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Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Q	Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
A	York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S.
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The San Antonio Home Quest Team, REALTORŽ, real estate agent and broker for San Antonio, Bulverde and San Antonio Military Bases, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Stephanie & Randy Kelley
The San Antonio Home Quest Team
The Legacy Group
1102 East Sonterra Boulevard, Suite 106
San Antonio, TX 78258-3999
(Stephanie Direct): 210-867-8743
(Randy Direct): 210-863-2661
(Toll Free): 800-201-9145
Fax: 210-493-4669
sanantoniohomequest@NUMBER1EXPERT.com
Stephanie & Randy Kelley have been top San Antonio producers and leaders each year since they entered the real estate profession. They pride themselves on their ability to make the real estate buying,selling and management process as effective and trouble free as possible. Their commitment to quality customer service and satisfaction is evident and can be attested to by many happy customers and clients. Call Stephanie or Randy today!!!

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