The Schrader Group at RE/MAX Associates

The schrader group
life
love
home
family
joy
300 E. Sonterra Bldg 1 Suite 1180
San Antonio, TX 78258
comfort
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Our Home Buying Services
downtown
San Antonio, TX
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Thank you very much for giving us the opportunity to present the enclosed proposal for real
estate services.
You will receive competent and professional service when you select The Schrader
Group @ RE/MAX Associates to assist you in your search for a new home. We have assisted many families in this area in their search for their ideal home.
We understand that you are about to embark on the exciting journey, so whether it is your first
home or your tenth home, a retirement home, or an investment property, we can help you find
the ideal home with the least amount of hassle.
We are devoted to using our expertise and the full resources of our Team to achieve the results
that you expect. We will guide you through every phase of the homebuying process.
This presentation gives you helpful information during and after your transaction. Use its reference pages, as a valuable guide on your home-buying journey.
We appreciate having the opportunity to be part of this important part of your life.
Sincerely,
Dayton Schrader
the Schrader Group
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Table of Contents
RE/MAX
RE/MAX Outsell Competition 2 to 1 5
RE/MAX vs Industry6
Why choose RE/MAX7
Advantage of Buyer Agency8
Reasons to buy a Home
9
Prequalification and Pre-Approval
10
Loan Application Checklist11
10 Commandments for Home Buyers
12
Purchasing a new home
Create your Wishlist
Tour Homes
Present Offer
Next Steps
Closing
Post Closing
Why Home Inspection19
New to San Antonio20
San Antonio Area Maps
Helpful Numbers
Attractions and Areas of Interest
Glossary23
4
RE/MAX Agents Outsell the Competition 2 to 1
RE/MAX
Agents Outsell the Competition 2 to 1
Good market or bad, it doesn't matter. RE/MAX
agents are consistently the most productive among
Good market
or bad,
it doesn't
national
franchises
in the
annualmatter.
REAL RE/MAX
Trends
agents
are
consistently
the
most
productive
among
500, closing the most transaction sides per agent,
national
franchises
in the annual
REAL Trends
and
generating
the highest
sales volume
per agent.
500, closing the most transaction sides per agent,
and generating the highest sales volume per agent.
RE/MAX AGENTS VS.
ALL COMPETITORS
RE/MAX
 RE/MAX
agentsAGENTS
averaged moreVS.
than twice as many
ALL
COMPETITORS
transaction sides as the average of all other agents in the
 report:
RE/MAX
15.1agents
to 7. averaged more than twice as many
transaction
the average
of all other
agents
 At
$3 millionsides
per as
agent,
the RE/MAX
average
salesin the
report: 15.1
to 7. higher than the average of all other
volume
was 60%
 agents.
At $3 million per agent, the RE/MAX average sales
volumeby
was
60%transaction
higher than
the per
average
of RE/MAX
all other
 Ranked
most
sides
agent,
agents.
brokerages
claimed 44 of the top 50 spots – 50 of the top
 60.
Ranked by most transaction sides per agent, RE/MAX
brokerages claimed 44 of the top 50 spots – 50 of the top
60. IN A DOWN MARKET
UP
 Despite difficult market conditions, RE/MAX posted
UPinIN
Acompared
DOWN
MARKET
gains
2011
to the
REAL Trends results for
 2010.
Despite difficult market conditions, RE/MAX posted
gains in 2011
compared
the sides
REALper
Trends
for
 RE/MAX
agents
averagedto15.1
agent,results
4% more
2010.2010.
than
RE/MAXbrokerages
agents averaged
15.1 sides
agent,
4%years
more
 RE/MAX
appearing
in theper
survey
both
than
2010.
increased their transaction sides by 3% and their sales
 volume
RE/MAX
appearing in the survey both years
bybrokerages
1%.
increased their transaction sides by 3% and their sales
volume by 1%.
HEAD-TO-HEAD
COMPARISONS
HEAD-TO-HEAD
 Keller
Williams did not place any brokerages in the Top
COMPARISONS
50,
based on most transaction sides per agent. But it did
 claim
Kellerthe
Williams
place any
brokerages
in the Top
bottomdid
fivenot
rankings
in this
category.
50,
based
on
most
transaction
sides
per
agent.
Butagents,
it did
 Century 21 agents sold half as much as RE/MAX
claiminthe
bottom
fivevolume
rankings
this category.
both
average
sales
andinaverage
transaction sides.
Century 21
agents sold agents
half as trailed
much as
RE/MAX
agents,
 Coldwell
Banker-NRT
RE/MAX
agents
in
both in transaction
average sales
volume
and than
average
sides.
average
sides
by more
2 totransaction
1.
Coldwell Banker-NRT
agents in
 Prudential
had 75% moreagents
agentstrailed
in theRE/MAX
report than
average transaction
sides by
more
than
2 to 1.
RE/MAX,
but completed
38%
fewer
sides.
 Prudential had 75% more agents in the report than
RE/MAX, but completed 38% fewer sides.
The Schrader Group
Office: 210-340-3000
Fax
The210-340-3028
Schrader Group
Website
www.theSchraderGroup.com
Office: 210-340-3000
Each
Office
Independently Owned and Operated.
Fax 210-340-3028
5
Website www.theSchraderGroup.com
Each Office Independently Owned and Operated.
6
Why Choose RE/MAX?
The real estate network that has the most competitive
advantages to offer homebuyers and sellers will be an
industry leader. RE/MAX is that leader. Thanks to its
global network and stellar reputation, it's no wonder
people turn to RE/MAX when they embark on the
homebuying or selling process.
When you look for the highest quality real estate service,
look to a RE/MAX Agent. Nobody in the world sells
more real estate than RE/MAX.
 More than 35 Years "Above the Crowd®"
RE/MAX – now an established industry leader - celebrated its 35th anniversary in 2008 and looks ahead to
even greater real estate achievements in the years to come. Whether you're in the homebuying process or
looking to sell, choose a RE/MAX Agent. When you choose a RE/MAX Agent, you'll have a real estate agent
for life.
 The Sign That Brings You Home®
The red-over-white-over-blue RE/MAX yard sign and your RE/MAX agent lead you to properties in areas in
which you'll want to live and work. If you want to sell your property, the RE/MAX yard sign attracts those in
the homebuying process. Nobody sells more real estate than RE/MAX.
 Advertising
Extensive advertising by individual RE/MAX agents, combined with national television advertising and broad
Internet exposure, inspires buyers and sellers to seek out RE/MAX Agents. When you list your home with a
RE/MAX agent, it will receive wide exposure.
 The RE/MAX Balloon Logo
The red, white and blue RE/MAX Balloon, with its “Above the Crowd®" slogan, is one of the most
recognizable business logos in the world. RE/MAX boasts a global fleet of more than 100 Hot Air Balloons,
which make more than 6,000 appearances around the world each year.
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The Schrader Group
Office: 210-340-3000
Fax 210-340-3028
Website www.theSchraderGroup.com
Each Office Independently Owned and Operated.
ADVANTAGES OF A BUYER AGENCY AGREEMENT
YOUR INTERESTS ARE PROFESSIONALLY REPRESENTED —
Enlisting the services of a professional Buyer’s Agent is similar
to using an accountant to help you with your taxes, a doctor to
help you with your health care, or a mechanic to help you with
your car. If you had the time to devote to learning everything
about accounting, medicine, and automotive mechanics, you
could do these services yourself. But who has the time? This is
why you allow other professionals to help you in their specific
areas of expertise. We will take care of the hassles of everyday
real estate transactions for you. We let you concentrate on your
full-time job, while we do our job. We will guide you through the
home-buying process and exclusively represent your interests as
we help you find a home, present your contract offer, negotiate,
and close on your home.
A PERSONAL SPECIALIST
Just as your accountant, doctor, and mechanic understand your
specific needs, your Buyer’s Agent gets to know your real estate
needs and concerns. This type of relationship is built through
open communication at all times. Your Buyer’s Agent will save
you a lot of time by providing you all the details about any home
before you see it. In addition, your Buyer’s Agent will listen to
your feedback and concerns about each home.
QUICKLY AND CONVENIENTLY
The advantage to signing a Buyer’s Agency Agreement with me is
that you will have a professional agent working to find and secure the ideal home for you. It is nearly impossible to find a home that meets your needs, get a contract negotiated, and close the transaction without
an experienced agent. You won’t need to spend endless evenings and weekends driving around looking for
homes or trying to search computer networks by yourself. When you tour homes with your professional
Buyer’s Agent, you will already know that the homes meet your criteria and are within your price range.
WHAT IS THE BUYER’S AGENCY AGREEMENT —
Entering into a Buyer’s Agency Agreement has countless advantages. When you sign the agreement, you
are simply agreeing to “hire” a personal representative who, by law, must represent your best interests to
the best of his/her ability. All of this personal service is available at absolutely NO COST TO YOU! The
Seller’s Agent is responsible for paying your Buyer’s Agent fee. With me, you get a professional agent devoted to protecting your needs and to helping you make one of the most
important investment decisions of your life –- and you don’t even have to pay the fee!
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REASONS TO BUY A HOME
Buying a home is a big decision. Many things should factor into your decision, but if you are considering buying you may want to check out our list of some of the most beneficial reasons to buy instead of rent.
1. Tax Deduction Benefit –
Any interest paid on your mortgage can reduce your taxable income. At the end of every year, the company
that owns your mortgage will send you a statement with how much interest you have paid on your loan so that
you are able to take advantage of the mortgage interest deduction offered to homeowners.
2.- Quality of Life When you rent, you could be forced to leave in a year if the rent goes up or if you get
noisy neighbours above or below you. With your own home, your rent won’t go up (it actually could go down
if you refinance). Also, When the people you live by own their own properties, they are willing to invest more
in the community, which makes it nicer and safer for families
3.- Pride in Your Home
Owning a home gives you the opportunity to make any changes without worrying about what your landlord
would say. You can paint rooms a bright new color, change old carpeting to hardwood floors or even makeover
your bathroom into spa heaven! Not only do you get to enjoy new surroundings and new things but the value
of your home should increase. Building equity in your house is one the largest sources of household wealth for
Americans.
4. Appreciation Potential
If more people buy homes, more money will be inserted in market. This helps create more jobs and more
economic stability. Strengthening the housing industry
will create many positive effects on the overall economy. Although real estate moves in cycles, sometimes up,
sometimes down, over the years, real estate has consistently appreciated so overtime the value of your home
should increase. Building equity in your house is one
the largest sources of household wealth for Americans.
5. Home Affordability
Home prices have fallen dramatically and will eventually begin to rise. Finance the home of your dreams. Rates
are at historic lows! Rates are hovering below 4 per cent for 30-year fixed rate mortgages. This allows buyers
to afford a bigger home and paying a lower monthly payment.
6.-Capital Gain Exclusion
As long as you have lived in your home for two of the past five years, you can exclude up to $250,000 for an
individual or $500,000 for a married couple of profit from capital gains. You do not have to buy a replacement
home or move up. There is no age restriction, and the “over-55” rule does not apply. You can exclude the above
thresholds from taxes every 24 months, which means you could sell every two years and pocket your profit-subject to limitation--free from taxation.
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PRE-QUALIFICATION AND PRE-APPROVAL
It is very important for buyers to know what they can afford because the approval letter shows the potential
owner of house that you are a serious buyer(s). it has other advantages:
1. Generally, interest rates are locked in for a set period of time. You will know in advance
exactly what your payments will be on offers you choose to make.
2. You won’t waste time considering homes you cannot afford.
Pre-approval will help you in the following ways:
1. A seller may choose to make concessions if they know that your financing is secured. You
are like a cash buyer, and this may make your offer more competitive.
2. You can select the best loan package without being under pressure.
HOW MUCH HOME CAN YOU AFFORD?
There are three key factors to consider:
1. The down payment
2. Your ability to qualify for a mortgage
3. The closing costs associated with your transaction.
DOWN PAYMENT REQUIREMENTS:
Most loans today require a down payment of between 3.5% and 5.0% depending on the type and
terms of the loan. If you are able to come up with a 20-25% down payment, you may be eligible to
take advantage of special fast-track programs and possibly eliminate mortgage insurance.
CLOSING COSTS:
You will be required to pay fees for loan processing and other closing costs. These fees must be paid
in full at the final settlement, unless you are able to include them in your financing. Typically, total
closing costs will range between 2-5% of your mortgage loan.
QUALIFYING FOR THE MORTGAGE:
Most lenders require that your monthly payment range between 25-28% of your gross monthly
income. Your mortgage payment to the lender includes the following items:
􀂃 The principal on the loan (P)
􀂃 The interest on the loan (I)
􀂃 Property taxes (T)
􀂃 The homeowner’s insurance (I)
Your total monthly PITI and all debts (from instalments to revolving charge accounts) should range
between 33-38% of your gross monthly income. These key factors determine your ability to secure a
home loan: Credit Report, Assets, Income, and Property Value.
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8
LOAN APPLICATION CHECKLIST
􀀻 General:
Picture ID with Social Security Number
Payment to cover application fee.
Name and complete address of all landlords (past 2 years).
􀀻 Income:
Employment history, including names, addresses, phone numbers, and length of time with that company (past 2
years).
Copies of your most recent pay stubs and W-2 form (past 2 years).
Verification of other income (social security, child support, retirement).
If you are self-employed: Copies of signed tax returns including all
schedules (past 2 years), and a signed profit and loss statement of the current year.
If you are retired: Tax returns (past 2 years).
If you have rental property income: Copies of all lease agreements.
􀀻 Assets:
Copies of all bank statements from checking/savings accounts (past 3 months).
Copies of all stock/bond certificates and/or past statements/retirement accounts.
Prepare a list of household items and their values.
Copies of title documents for all automobiles, boats, or motorcycles.
Face amount, monthly premiums, and cash values of all life insurance policies (Cash value may be used for closing
costs or down payments. You need documentation from the carrier indicating cash value).
􀀻 Creditors:
Credit cards (account numbers, current balances, and monthly payments).
Installment loans (car, student, etc.) Same details as for credit cards.
Mortgage loans (property address, lender with address, account numbers monthly payment and balance owed on
all properties presently owned or sold within the last 2 years). Bring proof of sale of properties sold. Childcare
expense/support (name, address, phone number).
􀀻 Other:
Bankruptcy – bring discharge and schedule of creditors.
Adverse credit – bring letters of explanation.
Divorce – bring your Divorce Decrees, property settlements, quitclaim deeds, modifications, etc.
VA only – bring Form DD214 and Certificate of Eligibility.
Retirees – bring retirement and/or Social Security Award Letter.
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10 Commandments for Home Buyers
1. Thou shalt not change jobs, become self-employed or quit your job.
Longer employment time shows stability and a reduced likelihood of default.
2. Thou shalt not buy a car, truck or van
This will increase your debt to income ratio.
3. Thou shalt not use charge cards excessively.
Or let your accounts fall behind. This shows poor money management and an increased risk of de-
fault.
4. Thou shalt not spend money you have set aside for closing.
It costs money to borrow money - make sure you have enough.
5. Thou shalt not omit debts or liabilities from your loan application.
This is tantamount to fraud - never a good thing!
6. Thou shalt not buy furniture or other big ticket item on credit.
Like buying a car, this increases your debt to income ratio.
7, Thou shalt not originate any inquiries
into your credit.
The algorhythm is a secret but you’ll get dinged a few
points for most inquiries.
8. Thou shalt not make large deposits
First checking with your loan officer. Money needs to “season” in your bank account, typically for 60 or more days.
9. Thou shalt not change bank accounts.
A strong banking history, like a strong employment history,
shows stability.
10. Thou shalt not co-sign a loan for anyone.
Like buying cars or furniture, this increases your debt to
income ratio.
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purchasing a new home
The advantages of having an agent help you purchase a new home are the same as those for
purchasing a resale home. The builder has a professional representative watching out for his/her
needs, and you need the same expert representation. The builder pays our commission and they
will not offer that amount as a discount to you.
As REALTOR we can help negotiate a better price
for you because we have knowledge of the market
and the expertise in contract writing & negotiation.
We can easily compare other builders, features &
their prices and help you in finding the perfect
home and help you throught the process from
selecting the best design options so you avoid over
paying for extras that might not add any value to
your home.
Buying a new home is a little more difficult and
time-consuming than buying a resale. We can
professionally guide you through the entire process. It is very important that your interests be
professionally represented when you are entering
into a contract for a semi-custom or build-to-suit
home.
These transactions are complex and the contract
details must be exact in order to protect you and
to ensure you get exactly the home you want!
REMEMBER – The Builder requires that your
Agent accompany you on your first visit to the
Builder’s sales office, or they will NOT PAY your
representative’s fee!
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CREATE YOUR WISHLIST
So you are preapproved and ready to begin your
search. There are a lot of homes out there and
diving in without a guide can become overwhelming and confusing but we will help you pinpoint
homes that fit your criteria. The right home will
meet all your important needs, and as many of
your additional wants as possible. Please complete
our client questionnaire so that we may learn more
about you and your family. Some of the questions
that you might want to consider are:
Would I be interested in a fixer-upper? How important is home value appreciation?
Is neighbourhood stability a priority? Would I be
interested in a condo?
What features and amenities do I want? How
important are the schools. Do I prefer established
neighbourhoods. Which do I really need? What
do I want my home to be close to?
How much space do I need and why? Which is
more critical: location or size? Will I consider or
prefer new construction?
tour homes
It is likely that we will be setiing up automatic search for you to review homes so select your favorite
homes since this is the best way for us to learn about your preference. During our tour of the different homes we will also be able to learn more about you and we will make suggestions until we find
the home that fits most of the your criteria.
present an Offer
Once you have found a home you love, the next
step is making an offer. It's important to remember that a home is an investment. Your agent will
research similar properties in the neighbourhood
to help you determine the market value, and fair
price, for your home. We will guide you through
the offer process. The three basic components of
your purchase offer: price, terms and contingencies.
􀂃 Price is the dollar amount you are approved for, willing and able to pay.
􀂃 Terms cover the other financial and timing factors that will be included in the offer.
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􀂃 Contingencies are clauses that let you
out of the deal if the house has a problem
that did not exist or which you weren't aware
of when you went under contract or if you
need time to obtain your financing, or sell an
existing home. They specify any event that
will need to take place in order for you to
fulfill the contract.
Our next steps...
You are now prequalified and you’ve created your Wish List and after Touring you have decided on a house
that fits your criteria so what happens next?
An offer will be presented and if accepted you will have other companies who areindependent that will be
involved in your transaction from inspectors, appraisers, other lenders, escrow companies and others each of
them perform a very unique function. At the time of you offer you will need to make two checks one will be
made out to the Title Company which is for the amount you agree to included as escrow money. A second
check is made out to the seller is buys the days we need to do the inspections on the property this is known as
Option Period.
Active Option
In Texas, a potential home-buyer makes a small deposit with the seller in order to reserve several days in
which to have the home inspected.
Inspection A thorough investigation of a home by a licensed inspector to discover any issues or repairs
that need to be made before buying the home. During this time, the buyer may also try to renegotiate with
the buyer based on the findings of the inspection. Once this option period expires, the buyer loses the right to
back out of the deal based on the findings of the inspection. The deposit for the option period is separate from
the earnest money.
Earnest Money The money buyers pay one to three business days after agreeing with the seller on
a price for the home to show that they are serious about the offer. Unlike earnest money, the option period
deposit cannot be reclaimed by the buyer if he backs out of the purchase, even if it’s for a reason covered by a
contingency.
Contingency Conditions included
with an offer on a home that must be fulfilled before the deal can close. If a buyer
or seller is unable to satisfy a contingency,
then the offer on a home may become void.
However, if the buyer completes the purchase of the home, the option deposit will
be applied toward the final purchase price.
your lender
A copy of the contract will be required by your lender. The process to receive the money you need to close on
the house starts know so you will need to resubmit most of the items on the Loan Application Checklist.
Not only is the bank interested on knowing in you qualify for a loan but the bank will also assess the property
that you selected so an appraisal will be conducted and the lender will request the survey of the property. Your
lender can request for additional repairs from the seller which are separate from the ones that you will request
after your property inspection. Once all parties agree and the contract is signed and executed it is then sent to
the Title Company. Your agreement to convey starts the process once it is received at the Title Company and the
contract is receipted.
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Our next steps...
escrow/ Title Company
Taxes – The Title Company contacts the various assessor collectors and taxes will be prorated between buyers and sellers. You as a buyer will receive a credit for the taxes that are owed by the seller this is calculate for
the time that they occupied the home until the end of the year, at the end of the year you are then responsible
to pay for the whole year.
Title Search – Copies of documents are gathered from various public records: deeds, deeds of
trust,various assessments and matters of probate, heirship, divorce, and bankruptcy are addressed.
Examination– Verification of the legal owner and
debts owed.
Document Preparation – Appropriate forms
are prepared for conveyance and settlement.
Settlement Statement (HUD)– An Escrow
Officer oversees the closing of the transaction: seller
signs the deed, you sign a new mortgage, the old loan
is paid off and the new loan is established. Seller,
Realtors, attorneys, surveyors, Title Company, and
other service providers for the parties are paid. Title
insurance policies will then be issued to you and your
lender.
Title Insurance
There are two types of title insurance:
􀂃 Coverage that protects the lender for the amount of the mortgage,
􀂃 Coverage that protects the your equity in the property.
Both you and your lender will want the security offered by title insurance.
Why?
Title agents search public records to determine who
has owned any piece of property, but these records
may not reflect irregularities that are almost impossible to find.
Here are some examples: an unauthorized seller forges the deed to the property; an unknown, but rightful
heir to the property shows up after the sale to claim ownership; conflicts arise over a will from a deceased
owner; or a land survey showing the boundaries of your property is incorrect.
For a one-time charge at closing, title insurance will safeguard you against problems including those event
an exhaustive search will not reveal.
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closing
Once you've made your offer and have completed the inspection process you need to follow up with your lender
and delays on your agreed closing date will put you at risk so you have a few pre-closing responsibilities that
you'll need to be mindful of. These include:
 Stay in control of your credit and finances. Avoid any large purchases during this time, it's best to talk
to your lender first.
 Keep in touch with your escrow officer, agent and lender, returning all phone calls and completing
paperwork promptly.
 Communicating with your agent at least once or twice a week, and verifying with your lender that all
mortgage funding steps are completed.
 Set up the date to conduct your final walk-through of the home with your agent.
 Investigate all your service providers so that you can set up utilities, cable, mail, etc.
 Visit or call your Homeowners Association to learn more about how to set up your gate keys, remotes,
garbage or any that might apply.
 Review all documents so that you understand what will be expected in your new subdivision.
 Confirming with your agent, home insurance professional, and lender that you have the settlement statement, certified funds, and evidence of insurance lined up prior to closing. Will you bring certified funds? will you wire money?
Post- closing
Congratulations, we are so happy for you!
The home buying process is complete, but as a home owner
you now have to establish a maintenance plan for your home.
It’s now your responsibility, and in your best financial interest,
to protect your investment for years to come. Perform routine
maintenance on your home’s systems this will always be more
affordable than having to fix big problems later. Be sure to
watch for signs of leaks, damage, and wear. Make sure to contact your Home Warranty Service if the seller provided one for
you.
Please remember, that your relationship with us doesn’t end! After closing, we will still help you by providing
information for your tax returns, finding contractors and repair services, and even tracking your home’s current market value. You are now part of The Schrader Group Family and we hope to see you in
all our social events.
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8
why home inspection?
If you are purchasing a resale property, we highly recommend that you have a professional home inspector
conduct a thorough inspection. The inspection will include the following:
 Appliances Plumbing
 Electrical Air conditioning and heating
 Ventilation Roof and Attic
 Foundation General Structure
The inspection is not designed to criticize every minor problem or defect in the home. It is intended to report
on major damage or serious problems that require repair. Should serious problems be indicated, the inspector
will recommend that a structural engineer or other professional inspect it as well.
Your home cannot “pass or fail” an inspection, and your inspector will not tell you whether he/she thinks the
home is worth the money you are offering. The inspector’s job is to make you aware of repairs that are recommended or necessary.
The seller may be willing to negotiate completion of repairs or a credit for completion of repairs, or you may
decide that the home will take too much work and money. A professional inspection will help you make a clearheaded decision. In addition to the overall inspection, you may wish to have separate tests conducted for termites or the presence of radon gas.
In choosing a home inspector, consider one that has been certified as a qualified and experienced member by a
trade association.
We highly recommend being present at the inspection. This is to your advantage. You will be able to clearly
understand the inspection report, and know exactly which areas need attention. Plus, you can get answers to
many questions, tips for maintenance, and a lot of general information that will help you once you move into
your new home. Most important, you will see the home through the eyes of an objective third party.
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THE
SChrader
Group
R
attractions
& Areas of Interest
RE/MAX Associates
The Alamo - www.thealamo.org
Fiesta Texas - www.sixflags.com/fiestaTexas
Japanese Tea Garden - www.sanantonio.gov/parksandrec
McNay Art Museum - www.mcnayart.org
Riverwalk - www.thesanantonioriverwalk.com
San Antonio Botanical Garden - www.sabot.org
San Antonio Children’s Museum - www.sakids.org
San Antonio Zoo & Aquarium - www.sazoo-aq.org
Sea World - www.seaworld.com/sanantonio
The Witte Museum - wittemuseum.org
Golf Courses
Check www.golflink.com for more information on local golf courses.
The Quarry Golf Course
444 E Basse Rd, San Antonio, TX 78209-8327
(800) 347-7759 www.quarrygolf.com
independent School districts
Alamo Golf Club
Boerne ISD - (830) 357-2000
9700 Rochelle St, San Antonio, TX 78240-2737
Comal ISD - (830) 221-2000
(210) 696-4000 www.alamogolfclub.net
East Central ISD - (210) 648-7861
Brackenridge Park Golf Course
Edgewood ISD - (210) 444-4500
2315 Avenue B, San Antonio, TX 78215-1030
Fort Sam Houston ISD - (210) 368-8700
(210) 226-5612 www.brackenridgegolfsa.com
Harlandale ISD - (210) 921-4300
La Cantera Golf Club
Judson ISD - (210) 945-5100
16641 La Cantera Pkwy, San Antonio, TX 78256
Lackland ISD - (210) 357-5000
(210) 558-4653 www.lacanteragolfclub.com
Medina Valley ISD - (830) 931-2243
North East ISD - (210) 804-7000
Vineyards & Wineries
Northside ISD - (210) 397-8500
Custom Crush Winery
Randolph Field ISD - (210) 357-2300
879 Babcock Rd., San Antonio 78240 210-680-8601
San Antonio ISD - (210) 299-5500
www.customcrushwinery.com
Schertz-Cibolo-Universal City ISD Yellow Rose Winery 367
(210) 945-6200
E Ramsey Rd., San Antonio 78216210-524-1013
Somerset ISD - (866) 852-9858
Water 2 Wine Custom Winery
Southside ISD - (210) 882-1600
16630 San Pedro, San Antonio 78232
South San Antonio ISD - (210) 977-7000
www.water2wine.us/sanantonio/
Hill Country Wineries & Vineyards: www.TexasWineTrail.com Southwest ISD - (210) 622-4300
19
The Schrader Group does not specifically endorse
any of the entities in this guide; they are strictly
listed for informational purposes only.
Relocaton guide
san antonio area map
20
10
3351
BA
ND
ER
A
LR
LR
281
All counties
LR
Ci
2696
1535
87
Kelly base
Lackland Lackland
site
AFB
AFB
Annex
1937
2537
1604
Losoya
Thelma
MEDINA
UP
476
AT
0
comal county
21
8 MILES
LR
16
AS
CO
1346
Adkins
SA
281
Calaveras
Lake
37
UP
1604
327
Braunig
181
Lake
Elmendorf
1303
3432
Population
1.33 million
Land Area:
412 sq. miles
87
1628
O
Southton
r
i ve
Somerset
2790
China Grove
Brooks
City-Base
io R
ton
An
Lytle
Von
Ormy
35
2538
1518
410
SAN ANTONIO
MISSIONS
NATIONAL
HIST PARK
UP
Atascosa
13
10
St. Hedwig
422
2536
Macdona
LR
2790
Alamo
536
S an
UP
368
1516
353
iver
ina R
Med
E
211
90
Olmos
Park
P
421
SAN
ANTONIO
410
1976 Converse
Randolph
Fort Sam
AFB
Houston
90
Kirby
Alamo Terrell
Heights Hills
U
Balcones
Heights
13
1957
LR
Universal
78
City
Schertz
L
LR
151
Live Oak
Windcrest
A
471
Castle
Hills
218
2252
D
1517
Leon
Valley
Sal
ad
o
A
UP
Selma
35
U
Shavano Park
1560
UP
1604
G
Helotes
lo
Hollywood Park
Hill Country Village
eek
Cr
GOVERNMENT
CANYON
211
STATE
NATURAL
AREA
bo
ek
Cre
16
Camp Bullis
Military
Reservation
Leon Springs
AGC
MOUNT SMITH
1896'
Grey
Forest
COMAL
Fair Oaks
Ranch
N
L
S
es
AL
k
Cree
IL
B alco n
ND
W
KE
Elevation: 772 ft.
Average Temps:
Jan 62.1 38.6
April 80.4 56.9
July 94.6 71.6
Oct 82.0 59.4
THE
SChrader
Group
RE/MAX Associates
GOVERNEMENT
Child Protective Services 210-532-2873
www.dfps.state.tx.us/child_protection
County Court House (Bexar County)
County Judge 210-335-2626
County Clerk – Gerry Rickhoff 210-335-2216
Deed Records 210-335-2225
District Clerk – Margaret Montemayor 210-335-2113
Probate 210-335-2241
Sheriff ”s Office 210-270-6000
Tax Assessor Collector 210-335-2251 www.bexar.org
Drivers License Offices (Main) 210-737-1911
www.txdps.state.tx.us
Library (Main) 210-207-2500
www.sanantonio.gov/library Marriage License 210-335-2221
www.co.bexar.tx.us
Motor Vehicle Registration/Title 210-335-6627
www.txdps.state.tx.us
Taxes
Bexar County Tax Office 210-335-6628
State Comptroller of Public Accounts 210-616-0067
Tax Information (24 hours) 210-207-8680 www.co.bexar.tx.us
Water
Alamo Heights Water Works 210-822-3331
www.ci.alamo-heights.tx.us
Bexar Metropolitan Water 210-922-1221 www.bexarmet.org
Boerne Utilities 830-249-9511 www.ci.boerne.tx.us
Canyon Lake Water Service Co. 830-964-3854 www.clwsc.com
Converse Water 210-658-3453
www.conversetx.net/8_publicworks.htm
Fair Oaks Ranch 210-698-7685 www.ci.fair-oaks-ranch.tx.us
Garden Ridge Water 210-651-6831
www.ci.garden-ridge.tx.us/water.htm
Green Valley Special Utility 830-914-2330 www.nbtexas.org
Kirby Water Works 210-661-4671
www.kirbytx.org
Live Oak Water 210-653-9140 www.ci.live-oak.tx.us
New Braunfels Utility 830-629-8400 www.nbutexas.com
San Antonio Water System 210-704-7297 www.saws.org
Schertz Water 210-658-7065 www.schertz.com
Selma GRI Water Works 210-651-6661 www.ci.selma.tx.us
Universal City Water 210-659-0371
www.universalcitytexas.com
Windcrest Water 210-655-2888 www.ci.windcrest.tx.us
22
R
Helpful Numbers
Better Business Bureau
For Inquires 210-828-9441
For Complaints 210-828-3885
Birth & Death Records
Bexar County Clerk – Vital Statistics 210-335-2585
Birth & Death Registry – Copies 210-207-8754
Bus – VIA Metropolitan 210-362-2020
Cable / Satellite
AT&T U-verse & Dish Network 800-288-2020 www.att.com
Direct TV 888-777-2454 www.directv.com
Grande Communications 210-320-4600 www.grandecom.com
GVTC Communications 800-367-4882 www.gvtc.com
Time Warner 800-418-8848
www.timewarnercable.com
Phone / Internet
AT&T 800-288-2020 www.att.com
Grande Communications 210-320-4600 www.grandecom.com
GVTC Communications 800-367-4882 www.gvtc.com
Time Warner 800-418-8848 www.timewarnercable.com
Garbage & Trash Collection
Waste Disposal
City of SA Public Works 210-207-6400
Allied Waste (BFI) 210-648-5222
Waste Management 210-368-5000
Information Call 311
www.sanantonio.gov/enviro/solidwaste
Gas
Boerne Utilities 830-249-9511 www.ci.boerne.tx.us
CenterPoint Energy 800-427-7142
www.centerpointenergy.com
City Public Service (CPS) 210-353-2222
www.citypublicservices.com
Guadalupe Valley Electric Coop. 800-223-4832 www.gvec.org
New Braunfels Utility 830-629-8400 www.nbutexas.com
Electric
Boerne Utilities 830-249-9511
www.ci.boerne.tx.us
City Public Service (CPS) 210-353-2222
www.citypublicservice.com
Guadalupe Valley Electric Coop. 800-223-4832 www.gvec.org
Glossary
ACCEPTANCE: The date when both parties, seller and buyer, have
agreed to and completed signing and/or initialing the contract.
ADJUSTABLE RATE MORTGAGE: A mortgage that permits
the lender to adjust the mortgage's interest rate periodically on the
basis of changes in a specified index. Interest rates may move up or
down, as market conditions change.
AMORTIZED LOAN: A loan, which is paid in equal installments
during its term.
A.P.R. (ANNUAL PERCENTAGE RATE): A term used in the
Truth in Lending Act. It represents the relationship of the total
finance charge (interest, discount points, origination fees, loan broker,
commission, etc.) to the amount of the loan.
APPRAISAL: An estimate of real estate value, usually issued to
standards of FHA, VA, and conventional loans.
FHMA. Recent comparable sales in the neighborhood is the most
important factor in determining value. This should be contrasted
against the home inspection.
APPRECIATION: An increase in the value of a property due
to changes in market conditions or other causes. The opposite of
depreciation.
ASSUMABLE MORTGAGE: Purchaser takes ownership to real
estate encumbered by an existing mortgage and assumes responsibility as the guarantor for the unpaid balance of the mortgage.
BILL OF SALE: Document used to transfer title (ownership) of
PERSONAL Property.
CLOSING STATEMENT (HUD1): A financial statement rendered to the buyer and seller at the time of transfer of ownership,
giving an account of all funds received or expended.
CLOUD ON TITLE: Any condition that affects the clear title to
real property.
COMPARABLE SALES: Sales that have similar characteristics as
the subject property and are used for analysis in the appraisal process.
CONTRACT: An agreement to do or not to do a certain thing.
CONSIDERATION: Anything of value to induce another to
enter into a contract, i.e., money, services, a promise.
DEED: Written instrument, which when properly executed and
delivered, conveys title to real property.
DISCOUNT POINTS: A loan fee charged by a lender of FHA,
VA or conventional loans to increase the yield on the investment.
One point = 1% of the loan amount
EASEMENT: The right to use the land of another.
ENCUMBRANCE: Anything that burdens (limits) the fee title to
property, such as a lien, easement, or restriction of any kind.
EQUITY: The value of real estate over and above the liens against
it. It is obtained by subtracting the total liens from the value.
ESCROW PAYMENT: That portion of a mortgagor’s monthly
payment held in trust by the lender to pay for taxes, hazard insurance, mortgage insurance, lease payments and other items as they
become due.
FANNIE MAE: Nickname for Federal National Mortgage Corporation (FNMA), a tax-paying corporation created by congress to
support the secondary mortgages insured by FHA or guaranteed by
VA, as well as conventional home mortgages.
FEDERAL HOUSING ADMINISTRATION (FHA): An
agency of the U.S. Department of Housing and Urban Development
(HUD). Its main activity is the insuring of residential mortgage
loans made by private lenders. The FHA sets standards for construction and underwriting but does not lend money or plan or construct
housing.
FHA INSURED MORTGAGE: A mortgage under which the
Federal Housing Administration insures loans made, according to its
regulations.
FIXED RATE MORTGAGE: A loan that fixes the interest rate at
a prescribed rate for the duration of the loan.
FORECLOSURE: Procedure whereby property pledges as security
for a debt is sold to pay the debt in the event of default.
23
FREDDIE MAC: Nickname for Federal Home Loan Mortgage
Corporation (FHLMC), a federally controlled and operated corporation to support the secondary mortgage market. It purchases and
sells residential conventional home mortgages.
GRADUATED PAYMENT MORTGAGE: Any loan where the
borrower pays a portion of the interest due each month during the
first few years of the loan. The payment increases gradually during
the first few years to the amount necessary to fully amortize the loan
during its life.
INVESTOR: The holder of a mortgage or the permanent lender for
whom the mortgage banker services the loan. Any person or institution that invests in mortgages.
LEASE PURCHASE AGREEMENT: Buyer makes a deposit for
future purchases of a propertywith the right to lease the property for
the interim.
LOAN TO VALUE RATION (LTV): The ratio of the mortgage
loan principal (amount borrowed) to the property’s appraised value
(selling price). Example – on a $100,000 home, witha mortgage loan
principal of $80,000 the loan to value ratio is 80%.
MORTGAGE: A legal document that pledges a property to the
lender as security for payment of a debt.
MORTGAGE INSURANCE PREMIUM (MIP): The amount
paid by a mortgagor for mortgage insurance. This insurance protects
the investor from possible loss in the event of a borrower’s default on
a loan.
MORTGAGOR: The borrower of money or the giver of the mortgage document.
NOTE: A written promise to pay a certain amount of money.
ORIGINATION FEE: A fee paid to the mortgagee for paying the
mortgage before it becomes
MORTGAGOR: The borrower of money or the giver of the mortgage document.
NOTE: A written promise to pay a certain amount of money.
ORIGINATION FEE: A fee paid to the mortgagee for paying the
mortgage before it becomes due. Also known as prepayment fee or
reinvestment fee.
PRIVATE MORTGAGE INSURANCE (PMI): See Mortgage
Insurance Premium.
PROMISSORY NOTE: A written contract containing a promise
to pay a definite amount of money at a definite future time.
REALTOR: A member of local and state real estate boards, which
are affiliated with the National Association of Realtors (NAR).
RENT WITH OPTION: A contract, which gives one the right to
lease property at a certain sum with the option to purchase at a future
date.
SECOND MORTGAGE/SECOND DEED OF TRUST/
JUNIOR MORTGAGE OR JUNIOR
LIEN: An additional loan imposed on a property with a first mortgage. Generally, a higher interest rate and shorter term than a “first”
mortgage.
SEVERALTY OWNERSHIP: Ownership by one person only. Sole
ownership.
SURVEY: The process by which a parcel of land is measured and its
area ascertained.
TENANCY IN COMMON: Ownership by two or more persons
who hold an undivided interest
without right of survivorship. (In event of the death of one owner,
his/her share will pass to his/her heirs.)
TITLE INSURANCE: An insurance policy which protects the
insured (purchaser or lender against loss arising from defects in the
title).
R
300 E. Sonterra Bldg 1 Suite 1180
San Antonio, TX 78258