118 Red Hawk Ridge is a finely maintained rental property offered by Stephanie Kelley Property Management, Keller Williams Legacy, San Antonio, Texas.  It's very close to quality Northeast Independent School District (NEISD) schools and many new shopping amenities, and offers easy commute to downtown San Antonio, Randolph AFB, and Fort Sam Houston.  For details go to sanantoniohomequest.com or call Stephanie Kelley, Realtor®, at (210) 867-9743 or Randy Kelley, Realtor®, at (210) 867-8743.

DAILY NEWS ABOUT SAN ANTONIO HOMES FOR SALE

It's Tuesday, 27 September 2016, and according to the San Antonio Board of Realtors'® Multiple Listing Service (MLS), in the last 24 hours:

8876 new and resale homes were on the market - average market time was 78 days
3055 of the homes on the market were under contract
181  homes were newly listed for sale
201 homes for sale had their list price changed
157 homes were sold for an average of 97.78% of their list price
29 listings expired
178 homes for sale went to pending status (under firm contract with a scheduled closing date

If you're looking to buy or sell a San Antonio area home, visit sanantoniohomequest.com or legacypowerhouse.com for the best advice and assistance on line or contract a member of the Keller Williams Legacy's Power House Team at (210) 482-3202 or (210) 867-8743 or (210) 863-2661.

IF YOU DON'T KNOW REAL ESTATE, KNOW A REALTOR, AND IF THE POWER HOUSE TEAM SAYS IT'S SO - IT'S SO.

2015 San Antonio Housing Forecast Report

San Antonio Home Quest Realty Solutions Team

Realtors®

sanantoniohomequest.com

 

 

The San Antonio Board of Realtors®  (SABOR) annual housing forecast was held on January 8, 2015.

 

If you are looking to buy or sell a San Antonio area home in 2015, SABOR has exciting news for you.  Visit the SABOR website to read about San Antonio residential sales projections for 2015.

 

This blog is brought to you by Stephanie and Randy Kelley, Realtors®, at Keller Williams Legacy, San Antonio, Texas.  Call us at (210) 863-2661 or (210) 867-8743 for the best advice and assistance regarding home sales in and around San Antonio, Boerne, Bulverde, Spring Branch, New Braunfels, Seguin, La Vernia, Floresville, Pleasanton, and Lytle, Texas.

January 2015 San Antonio Home Sales Report

This January 2015 San Antonio Home Sales Report is from the sanantoniohomequest.com website.

Calendar year 2014 saw the most active San Antonio area resale and new home sales activity since the benchmark 2006 sales year.  

2014's impact was impressive.  Compared to 2013, closed single family home sales increased 4.23% (from 23502 to 24541), average list price increased 4.72% (from $215,075 to $225,729), and average sales price increased 4.92% (from $208,040 to $218,805).  The area ended the year with the lowest inventory of available homes for sale seen in the last decade.

Throughout last year, the nation's leading realty market analysts consistently ranked San Antonio as having one of the United States most successful residential realty markets.

Why?

The reason is easy to see. Since the end of the Great Recession, the entire San Antonio metropolitan area has evolved into an economic powerhouse driven primarily by the rapidly petroleum sector associated the nearby Eagle Ford shale oil field.  Other contributing factors are the area's well funded local government and Federal service components,  combined with the financial impact of having a large Federal service enterprise, a growing retiree community, thriving service industries, plus dynamic educational, medical, financial, tourism, and service industries.

Now, entering 2015, there is the possibility of a significant change in the area's economic circumstances.  Gas and oil field development and the refinery and sale of petroleum products have traditionally been the most significant industries contributing to the state's economic success. Although good for America's motoring public, the recent collapse of crude oil and gas prices might bode ill for Texas' most significant industries.  Economists are watching the situation warily, cautioning a wait and see attitude regarding the long term impact of low petroleum prices on both San Antonio, specifically, and the state in general.

In the face of uncertainty, what does the future hold for San Antonio's home sales in the next 4 months?  Will the market remain as active as in 2014, or pull back under threat of potentially less favorable economic conditions?

Here is the most likely short term answer.

Home sales will remain strong because San Antonio's economy has become highly diversified and, therefore, less reliant on the petroleum industry.

The inventory of newly constructed and resale homes will remain critically low.

Newly constructed and well prepared resale homes will sell quickly.

The market will favor sellers over buyers.

Home prices will likely increase, probably falling within San Antonio's typical 2% to 3% range as opposed to 2014's 5% increase.

As often pointed out in this column, home buyers should take heart in knowing that, historically, San Antonio has a consistent record of moderate but steady home value appreciation and residential sales market stability.  Also, San Antonio area homes are still very affordable when compared to homes in the nation's other large metropolitian markets.

We are Randy and Stephanie Kelley, Realtors®  at Keller Williams Legacy, San Antonio, Texas.  If you are looking to sell or buy a San Antonio area home, visit our sanantoniohomequest.com website or contact us at (210) 863-2661 (Randy) or (210) 867-8743 (Stephanie). Our goal is to help you get the best price, terms, and conditions for your realty investment.

March 2014 San Antonio Home Sales Report

If you're considering buying or selling a San Antonio metropolitan area home this year, keep this in mind.

In March 2014, there are too few new and resale homes on the market and there are too many buyers looking for a home to buy.  Consequently, competition for available homes is keen, home prices are rising, and home sellers have the advantage over buyers when it comes to negotiating the price, terms, and conditions for selling their homes.

But, there are changes in the wind.

Although, for the time being, the market favors sellers over buyers, there are signs that there is a correction underway.

Why?

A major factor is the fact that more San Antonio area residents feel they can afford to sell their homes because, due to rapidly rising home values, home owners are now in a positive equity situation (meaning they owe significantly less on their mortgages their their homes are worth).  

Another factor is simply market timing.  March and April are strong home sales months in the San Antonio area.

So, during the first week of March, new listings have increased dramatically and the supply of available homes is gradually but steadily creeping upward.  If the trend continues, the average home seller's advantage will likely weaken as the home sales market  becomes balanced.

The bottom line is this.

Following on the heals of the highly successful 2013 home sales year, San Antonio has all of the right economic conditions for a vibrant spring and summer 2014 residential sales market.
 
The nearby Eagle Ford Shale oil/gas boom is a highly significant factor, especially for home sales in the neighborhoods nearest the oil and gas fields south of San Antonio and Bexar County.

Also, San Antonio homes remain highly affordable and mortgage interest rates are exceptionally low for well qualified home buyers.

In summary, here is our advice for buyers and sellers in this March’s San Antonio home sales market. Don't delay. Act now to take advantage of this month's strong market.

That’s all for our March 2014 San Antonio bases area realty market report.

We encourage reader commends and recommendations about how to make our reports more informative and useful.

Please visit our sanantoniohomequest.com website for more information and access to our highly rated San Antonio homes for sale search engine.

If you have questions, need San Antonio realty or mortgage loan advice and assistance, or just want to chat a bit about the Alamo City area, please call us at (210) 863-2661 (Randy) or (210) 867-8743 (Stephanie).

We’re Randy and Stephanie Kelley, Realtors ® at Keller Williams Legacy, San Antonio, Texas.

Our never ending goal is to help you get the best price, terms, and conditions for your residential realty investment.

San Antonio Area Creole Style Dining

If you're looking to buy or sell a San Antonio area home, visit sanantoniohomequest.com or call Randy (210) 863-2661 or Stephanie (210) 867-8743.  Randy and Stephanie Kelley are Realtors® at Keller Williams Legacy, San Antonio, Texas.   Now, here's the latest from one of the San Antonio area's finest Creole style restaurants. Dear Friends, This weekend we have some delicious specials including Carrot Curry Soup and Asian Style Seared Ahi Tuna. Join us Saturday evening beginning at 6pm to hear Victoria Celestine perform live. It’s not too early to start planning your graduation parties. We offer full-service, upscale catering featuring a blend of traditional Creole items infused with Texas flavors. Click here to learn more about Chef Mike's Nouvelle Catering. Bon Appétit, Chef Mike PS - Check out our special 3 course meal available on Wednesday and Thursday from 5pm until 6pm. You get your choice of a salad, entree and dessert. Click here to view the menu.

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A Two Month Supply Of Available Houses In San Antonio

A few weeks back, we predicted that San Antonio's inventory of available homes for sale could soon fall into the two months range.  Briefly, last week, the supply of San Antonio homes on the market and not already under contract fell to 2.99 months.   That's not a lot of houses for buyers to select from in a metropolitan area as large as San Antonio.

Will the low home supply last?  It remains to be seen, but it could happen because an unusually small number of new listings are coming on the market for this time of the year.

The continuing  imbalance between San Antonio's inventory of available homes and the number of buyers looking for San Antonio homes for sale means the area's late winter/early spring residential market will strongly favor home sellers and the most attractive homes will sell very quickly.

Consequently, San Antonio buyers looking to purchase a new or resale home this year are strongly advised not to delay their search much longer because, by summer 2014, home prices in the San Antonio area are likely to be 10 or more percent higher than in 2013.

If you are a San Antonio home buyer or seller needing expert realty consultative and representation services, please visit our sanantoniohomequest.com website or call Randy Kelley at (210) 863-2661 or Stephanie Kelley at (210) 867-8743.  We are Realtors®  at Keller Williams Legacy, San Antonio, Texas. Our never ending  goal is to help you get the best price, terms, and conditions for your residential realty investment.

February 2014 San Antonio Home Sales Report

It's hard to argue with the numbers and, everywhere we look, the numbers are significantly up for San Antonio's economy and it new and resale home sales market.

Why not?

The Alamo City is located at the front gate of the highly lucrative and rapidly growing Eagle Ford shale oil and natural gas field.

The entire San Antonio metropolitan area is attracting a diverse mix of new homegrown and relocating businesses.

The area has one of the lowest large metropolitan area unemployment rates in the nation.

Population growth is steady and well supported by the local economy and the area's health, private industry, and governmental services infrastructures.

So, what does so much favorable economic news mean for San Antonio area home buyers and sellers?

Here are the facts as of 3 February 2014:

Reasonably priced and well prepared resale homes are selling exceptionally fast 

and new home builders are putting new inventory into production as quickly as possible.

There are 7847 new and resale homes listed for sale compared to 8520 one year ago.

The listings inventory is exceptionally low but will likely trend slowly upward as late winter/early spring listings are brought to market.  Nonethless, for the time being, the market has drifted downward into the 4 months supply range, reflecting a highly unbalanced market favoring sellers over buyers.

The average sales price for the most recent closings is $195,484 compared to last February's $183,834.  

Both list and sales prices are steadily rising - a trend likely to continue through the higher paced late winter/spring/early summer home sales high season.

Although industry analysts see these data as reflecting a strong seller's market, home buyers can take heart in knowing that San Antonio homes are still reasonably priced and highly affordable when compared to homes in the Nation's other large metropolitan markets.

That's all for our February 2014 San Antonio home sales report.

We encourage reader comments and recommendations about how to make our reports more informative and useful.

Please visit our recently redesigned sanantoniohomequest.com website and, if you have questions, need San Antonio realty or mortgage loan advice and assistance, or just want to talk about the San Antonio and the surrounding communities, please call us at (210) 863-2661 (Randy) or (210) 867-8743 (Stephanie).  

Remember, our never ending goal is to help you get the best price, terms, and conditions for your residential realty investment.

Best Restaurants In San Antonio

LOOKING TO BUY OR SELL A SAN ANTONIO, TEXAS, HOME, VISIT SANANTONIOHOMEQUEST.COM.

Now, here's the latest news from one of the best restaurants in San Antonio.

Dear Friends, This weekend we have some delicious specials including Roasted Poblano Bisque, Honey Brined & Grilled Thick Cut Pork Chop with a Creole Mustard & Maple Syrup Reduction, Tilapia stuffed with Shrimp, Scallops & Crab and Slow Braised Osso Buco. Treat your Valentine to to a gourmet 4 course meal at Mike’s. This special meal will be offered February 13th thru 15th and reservations are recommended. Click here to view the menu. Bon Appétit, Chef Mike PS - Don't forget about our special dinner menu offered on Wednesday & Thursday evenings from 5pm until 6pm.

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January 2014 San Antonio Home Sales Report

The beginning of January 2014 closes the most active San Antonio residential real estate market year since 2006.  According to Steven Gragg, Chairman of the San Antonio Board of Realtors, “This year’s housing market proved even stronger than 2012, with the lowest months of inventory being reported in over six years. Every month, the total number of home sales exceeded those of their 2012 counterparts.” What does the future hold for San Antonio home sales? Analysts predict 2014 will be equally as active as 2013, if not more so. Why?     Home sales will remain strong because the area's exceptionally strong economy. Here are the facts. The San Antonio metropolitan area is basically an economic powerhouse driven by the still developing Eagle Ford shale oil and gas industry, a thriving business friendly environment based on tourism, service industries, a large active duty and retired uniformed services community, and thriving medical treatment, education, and training institutions.  Significantly, the proliferation of many new locally grown and inbound  businesses has produced the economic diversification the Alamo city has long needed to insure a stable and reliable source of manpower, money, and materials for now and years to come. Also, as evidence of San Antonio’s rosy economy, Forbes Magazine recently ranked San Antonio as being in second place for cities least effected by the late Great Recession. So, here’s what can be expected for San Antonio’s residential sales in January 2014 and into the following months:  •  the inventory of newly constructed and resale homes will remain unusually low,  •  home list prices will increase, •  home sale prices will increase,  •  average time to sell a home will decrease,  •  pressure on the already limited new and resale home supply will increase as buyers rush to make their purchases in the face of rising mortgage interest rates,and  •  the months long sellers’ market will continue unabated. Despite the good news for home sellers, prospective home buyers should take heart in knowing that, historically, San Antonio has a consistent record of moderate but steady home value appreciation and sales market stability. Furthermore, San Antonio homes are still very affordable when compared to homes in the nation’s other large metropolitan areas. That’s the good news for our January 2014 San Antonio residential realty market report. Wishing you a safe, happy, healthy, and prosperous new year, we're Stephanie and Randy Kelley, Realtors® at Keller Williams Legacy, San Antonio, Texas. We encourage reader comments and recommendations about how to make our reports more informative and useful. You're invited to use our sanantoniohomequest.com website for reliable residential realty advice and assistance and a fast and easy residential listings search engine.  If you have questions, need San Antonio realty or mortgage loan advice or assistance, or just want to chat a bit about the wonderful Alamo City, please call us at (210) 863-2661 (Randy) or (210) 867-8743 (Stephanie).  Our SanAntonioHomeQuest.com Realty Solutions Team is always ready to help you with your home buying or selling needs.

San Antonio Faces Possible Shortage Of Homes For Sale In January 2014

When it comes to home buyers finding a lot of homes for sale this coming January, they may be disappointed.  That's because December 2013 is seeing too few new and resale homes coming on the market while, at the same time, an unusually high number of holiday season buyers are snapping up the already limited inventory.

Currently, San Antonio's homes for sale inventory is at a level not seen since December 2006.  The population of the San Antonio metropolitan area has grown enormously since then.  It's a trend that's projected to continue through 2014 and beyond.  Consequently, unless more homes come on the market soon,  demand for housing could easily outstrip supply when the more active late winter/early spring market kicks in.

Here's the situation as of 18 December 2013.  There were only 8,007 single family detached homes for sale in San Antonio, but 1,826 of those homes were already under contract, leaving only 6,181 homes not spoken for.  That's only a 3.1 months supply of available homes for sale, and that figure is inching down daily. Unless more new listings come on the market soon, San Antonio looks to have a housing shortage in 2014 similar to that experienced in Austin and Houston this year.

So, what are the implications?

When demand outpaces supply, home prices are destined to rise and competition for available inventory will become exceptionally keen.  That's a welcome trend for home sellers, but will prove unwelcome and possibly daunting for home buyers seeking the best bargaining position.  Short market time, high competition for the best homes and multiple simultaneous offer situations will likely ensue.

In light of these developments, the realty community advises prospective sellers to get their homes on the
market as soon as possible and prospective buyers to launch their home search and make their purchase before the area locks into a very strong seller's market this spring and summer.

This article is brought to you by the members of the SanAntonioHomeQuest.com Realty Solutions Team, Keller Williams Legacy, San Antonio, Texas.

Visit our website or call us for the best advice about, and assistance with, your San Antonio home buying or selling needs.   Contact Stephanie Kelley, Realtor®, GRI, ABR, CRS, E-Pro at (210) 867-8743 or Randy Kelley, Realtor®, at (210) 863-2661.  

Visit Mike's In The Village For One Of The Finest Restaurants In North San Antonio

Looking to buy or sell a San Antonio, Texas, area home.  Visit sanantoniohomequest.com. Looking for great restaurants in the northern San Antonio are, see the following from Mikes In The Village. Dear Friends, This weekend we have some delicious specials including Poblano Bisque, Scallop Appetizer, Oyster Appetizer, Crawfish Cornbread Stuffed Quail and 32 oz Bone-In Ribeye. We are the perfect choice for your holiday catering needs. From holiday luncheons and company parties to catered events and gift baskets, our services keep the jolly in your holiday. Click here to learn more. Spend New Year’s Eve at Mike’s in the Village. We will be offering our regular menu and wonderful Chef Mike inspired specials. Call 830-438-2747 or click here to make your reservation today! Bon Appétit, Chef Mike PS - We will be closed on December 25, December 26 and January 1 to celebrate the holidays with our families.

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Mike's In The Village | 2355-3 Bulverde Road | Bulverde, TX 78163

E

December 2013 San Antonio Home Sales Report

Our December 2013 San Antonio Home Sales Report is brief and to the point.

The opening of this year's holiday season sees the closing out of the most active San Antonio home sales market since the record breaking 2006 home sales year.

Although December is typically the low season for realty activity in-and-around the Alamo city, if the current trend continues, our market promises to produce a near historic high number of home sales for December.

Although there are many factors contributing to the upward home sales trend, there is universal agreement that the prime reason for our robust residential sales market is the economic boom created by the nearby south Texas Eagle Ford shale oil and gas play.

As seen by the following key indicators, San Antonio's healthy oil driven economy has had a dramatic effect on area home sales.

As of 8 December 2013, compared to 8 December 2012 -

• the number of homes under contract is up 2.79%,
• the average home list price is up 13.63%,
• the most recent average home sale price is up 8.91%,
• the average time to sell a home is down 11.93%,
• the homes for sale inventory is down 10.8%.

So, what does this mean for San Antonio area home sellers and buyers this month, through the winter, and into next spring?

Although industry analysts see the data as reflecting a housing market very strongly favoring sellers, buyers can take heart in knowing that mortgage interest rates remain low and the average quality San Antonio home remains highly affordable when compared to a comparable home in the nation's other large metropolitan area markets.

That's all for our December, 2013 San Antonio realty market report other than our wishing you a merry Christmas, happy holidays, and happy new year.

We're Stephanie and Randy Kelley, Realtors® at Keller Williams Legacy, San Antonio, Texas.

We encourage reader comments and recommendations about how to make our reports more informative and useful.

Please visit our sanantoniohomequest.com website for reliable residential realty advice and assistance and a fast and easy residential listings search engine.

If you have questions, need San Antonio realty or mortgage loan advice or assistance, or just want to chat a bit about the wonderful Alamo City, please call us at (210) 863-2661 (Randy) or (210) 867-8743 (Stephanie).

Our SanAntonioHomeQuest.com Realty Solutions Team is always ready to help you with your home buying or selling needs.

 SanAntonioHomeQuest.com
Realty Solutions Team
Randy & Stephanie Kelley
 Realtors®
Keller Williams Legacy
(210) 867-8743 (Stephanie)
(210) 863-2661 (Randy)

Visit Our Other Blogs At:
 http://www.trulia.com/blog/stephanie_kelley/
  AirForcePCS.com
Texas Home Girl Report

Should You Sell Your San Antonio Home Now Or Just Celebrate During The 2013 Holiday Season

 

VERSUS

 SO, DO YOU SELL OR JUST CELEBRATE?

It's the Thanksgiving and Christmas holiday season 2013 in San Antonio. 

Late fall/early winter holiday season is an inconvenient time to market a home for most sellers, consequenty, prospective sellers who can affort to wait, usually opt to list after the holidays.

So, why should this year be different? 

Here are the reasons anyone who can list his or her home for sale now shouldn't wait until after the holidays.

First, in November 2013, the San Antonio area residential realty market is currently exceptionally active for the late fall home selling season. 

Second, the inventory of homes for sale is presently very very low.  There's only a 3.3 month supply of homes on the market that aren't currently under contract.  Buyers are out there looking but finding few available homes to choose from.

Third, because there are so many buyers looking at so few homes for sale, the market is frustrating buyers and favoring sellers.

Fourth, it's likely the majority of prospective sellers now waiting out the holidays will dump their homes on the market soon after the first of next year.

So, our recommendation is for prospective home sellers to get ahead of the crowd now instead of waiting for a time when there will be more homes on the market and competition for buyers will have become fierce.

We know how to best market your residential property. For the best home selling advice and assistance, visit our website at sanantoniohomequest.com  or call Stephanie Kelley at (210) 867-8743 or Randy Kelley at (210) 863-2661.   

Stephanie & Randy Kelley

Realtors®

sanantoniohomequest.com

Keller Williams Lecacy

San Antonio, Texas 78258

Steven Gragg Broker

16 November 2012 San Antonio Mortgage Rates Jump

Texas Purchase & Refinance Mortgage Rates If you're looking for reliable help buying or selling a San Antonio, Texas, area home, visit  sanantoniohomequest.com Now here is the 16 November 2013 residential mortgage rate news from Mike Clover at Homewood Mortgage, LLC. There was a Big Rate Jump after Fridays job report. I believe the numbers are skewed and we will see some rebound in the upcoming weeks. Most banks are at 4.5% currently or higher. You'll be happy with these low residential mortgage rates and low fee loans at Homewood Mortgage.  Also let your friends and family know that we will beat any deal on rates, fees and service. We are from Texas, We are operated in Texas, and We are Texas Strong!  All loans close on-time and within 30 Days or less. Refinance Rates & Purchase Rates could be lower.  Call me to discuss.  30 yr Conventional 4.375% - 0 Discount Points - 0 Origination 15 yr Conventional 3.375% - 0 Discount Points - 0 Origination 20 yr Conventional 4.25% - 0 Discount Points - 0 Origination 10 yr Conventional 3.5% - 0 Discount Points - 0 Origination 30 yr FHA 3.75% - 0 Discount Points - 0 Origination 15 yr FHA 3.25% - 0 Discount Points - 0 Origination 30 yr USDA 4.25% - 0 Discount Points - 0 Origination 30 yr VA 3.75% - 0 Discount Points - 0 Origination 15 yr VA 3.25% - 0 Discount Points - 0 Origination Jumbo 30 yr Fixed 4.625% - 0 Discount Points - 0 Origination Jumbo 15 yr Fixed 4.0% - 0 Discounts Points - 0 Origination Jumbo 7/1 ARM 3.75% - 0 Discount Points - 0 Origination Jumbo 5/1 ARM 3.25% - 0 Discount Points - 0 Origination    Your Locally Owned and Operated Texas Mortgage Banker.  * These rates are based on a estimated loan amount of $241,250 or above and roughly 4.426% to 5.649% APR depending on loan program. Rates are also subject to change without notice. FHA requires 3.5% down. Conventional requires 5% down. Jumbo requires 20% down up to $1Million. Jumbo APR is estimated 4.639% Some rates are based on a 740 credit score or higher. Some loans require lower LTV, call for details.

Services Provided: FHA VA USDA Construction Loans Conventional Jumbo Down Payment Assistance Programs Our Commitment to You: On-Time Closings Excellent Communication Call's Returned Promptly Phone Calls answered on Weekends Good Interest Rates for your Clients Reasonable Closing Costs 24/7 On-Line Applications @ www.mikeclover.com

Mike Clover Mortgage Banker Homewood Mortgage, LLC Toll FREE: 1-800-223-7409 O: 469-438-5587 F: 972-767-4370 NMLS# 234770 Web: www.mikeclover.com E-mail: mike@mikeclover.com Call for Super Service!!

San Antonio Texas Mortgage Rates For 6 November 2012

If you're looking to buy or sell a San Antonio, Texas, area home, visit  sanantoniohomequest.com Here are the 6 October 2013 home purchase and  refinance mortgage rates from Mike Clover, Mortgage Banker at Homewood Mortgage, LLC. You'll be happy with these low rate and low fee mortgage loans.  Let your friends and family know that we will beat any deal on rates, fees and service. We are from Texas, we are operated in Texas, and we are Texas strong!  All loans close on-time and within 30 Days or less. Refinance Rates & Purchase Rates could be lower... have your clients call me to discuss.  30 yr Conventional 4.125% - 0 Discount Points - 0 Origination 15 yr Conventional 3.25% - 0 Discount Points - 0 Origination 20 yr Conventional 4.125% - 0 Discount Points - 0 Origination 10 yr Conventional 3.375% - 0 Discount Points - 0 Origination 30 yr FHA 3.75% - 0 Discount Points - 0 Origination 15 yr FHA 3.25% - 0 Discount Points - 0 Origination 30 yr USDA 4.125% - 0 Discount Points - 0 Origination 30 yr VA 3.75% - 0 Discount Points - 0 Origination 15 yr VA 3.25% - 0 Discount Points - 0 Origination Jumbo 30 yr Fixed 4.5% - 0 Discount Points - 0 Origination Jumbo 15 yr Fixed 4.0% - 0 Discounts Points - 0 Origination Jumbo 7/1 ARM 3.75% - 0 Discount Points - 0 Origination Jumbo 5/1 ARM 3.25% - 0 Discount Points - 0 Origination     We are your locally owned and operated Texas mortgage banker!  * These rates are based on a estimated loan amount of $241,250 or above and roughly 4.17% to 5.809% APR depending on loan program. Rates are also subject to change without notice. FHA requires 3.5% down. Conventional requires 5% down. Jumbo requires 20% down up to $1Million. Jumbo APR is estimated 4.665% Some rates are based on a 740 credit score or higher. Some loans require lower LTV, call for details.

Services Provided: FHA VA USDA Construction Loans Conventional Jumbo Down Payment Assistance Programs Our Commitment to You: On-Time Closings Excellent Communication Call's Returned Promptly Phone Calls answered on Weekends Good Interest Rates for your Clients Reasonable Closing Costs 24/7 On-Line Applications @ www.mikeclover.com

Mike Clover Mortgage Banker Homewood Mortgage, LLC Toll FREE: 1-800-223-7409 O: 469-438-5587 F: 972-767-4370 NMLS# 234770 Web: www.mikeclover.com E-mail: mike@mikeclover.com Call for Super Service!!

2013 Texas Deer Season Finds Prime Rocksprings & Edwards County, Texas, Hunting Land For Sale

It's the 2013 hunting season in Edwards County, Texas.  Latest reports indicate hunters are finding an abundance of healthy native and exotic game on the ranches in the vicinity of Rocksprings.  If you're looking for prime Rocksprings and Edwards County hunting land  for your personal use and/or as a hunting lease investment, then see this listing at sanantoniohomequest.com or call Stephanie at (210) 867-9743 or Randy at (210) 863-2661.

$124,999

for approximately 53 acres with recent vintage travel trailer, electricity and water, 2 acres of cleared firing lanes, watering trough on site & feeding stations nearby for this year's hunting season.

Address:	Diamond Springs Ranch
City/ST:	Rocksprings,TX
Zip Code:	78299
Location:	Lot 160 & 199B, CR 230
Property Type:	Hunting Land
New or Resale:	Resale
MLS#	1000656
Property Tax:	1550
Last Updated:	11/3/2013 1:49:28 PM
Listing Agent and Office:	Stephanie Kelley, Keller Williams Legacy