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Monthly payment you can afford:
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Annual mortgage interest rate (%):
Term of mortgage loan:
Closing costs (as % of home purchase price):
Estimated annual homeowner's & mortgage insurance & property taxes (as annual % of home sales price):
Approximate price of house:


 Loan Calculator


 
Amount of Loan:
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MAINTENANCE CHECKLIST

Most buyers feel considerable pride in becoming a homeowner, but they also recognize that ownership includes many new responsibilities. To keep your home looking and performing its best, here are several of the most important jobs to remember.

 

Safety First

Prevent accidents or injury by regularly checking these systems:

 Test fire extinguisher

 Replace batteries in smoke and carbon monoxide detectors each spring and fall

 Check the auto-reverse safety feature on your garage door

 Make sure your dryer vent is exhausting properly

 

Avoid Serious Water Damage

You’ll prevent substantial problems if you heed these warnings:

 Make sure your sump pump is working and seriously consider installing a battery back-up system

 Keep gutters and downspouts clean

 Make sure rain water flows away from the house

 Clean out any debris in window wells (and consider adding covers)

 Check for any small leaks by toilets, dishwashers, under sinks, etc.

 Ensure your roof is leak-proof by checking the attic for signs of water damage

 

Keep it Clean

Occasional “deep cleaning” prevents dirt and grime from accumulating, keeping your home in tip-top shape. In addition to ongoing cleaning chores, don’t forget to periodically:

 Clean (degrease) your range-hood filter

 Clean and brighten tile and grout

 Wash walls and windows

 Wipe down baseboard molding, as well as trim surrounding doors and windows

 Deep-clean basements and garages at least annually

 

Energy Efficiency

You’ll reduce your power bill and keep appliances running longer if you:

 Change (or clean) furnace filters each month

 Vacuum the coils on your refrigerator twice a year

 Seal any drafty windows or doors

 

Outdoors

While the weather is nice:

 Check for damage (cracks in the foundation, peeling paint, etc.) and make necessary repairs

 Winterize air conditioning systems (in cold climates) and cover outdoor units

 Fill any cracks in a blacktop driveway and reseal each fall

No One Cares!

….about their AC system until it doesn't work and it's 101° Fahrenheit and your wife's mother is coming for a 3 week visit.... then everyone (at the same time) cares a lot.

 

HVAC equipment, just like cars has become considerably more reliable over the past few decades. However, as with anything mechanical there are some things that should be looked at on a regular basis. With air conditioners and heat pumps - twice a year is a good rule of thumb, once at the beginning of each season.

 

A tune-up or inspection is not a guarantee that something's not going to break. There are several sealed components that either work or don't and cannot be tested, but inspection by a competent service technician can certainly place odds in your favor that you will not have a breakdown, and a properly done tune-up can also increase the operating efficiency of your equipment.

Which company you select to go with has a lot to do with their tenure and reputation. Be careful of the companies that are too cheap, they may only be looking for sales.


Here are some of our basic recommendations:


1.- Check filters regularly and replace them as necessary and according with the manufacturers instructions. 


2.- Look into programable or lifestyle thermostats to save energy and money. 


3.- Try not to hit your outdoor unit with the line trimmer, or let grass from your lawn  mower blow on it. 


4.- Never place anything on the top of the machine outside. Air flow across the outdoor coil is very important.


5.- Try not to use your equipment closet as a storage area. It's best to leave equipment accessible.


6.- DO NOT store anything flammable close to a gas-fired furnace.

   
   

Whatever your HVAC or home climate needs, our team at Johnson Air Conditioning is ready to help. Call us at 210-341-1467 

http://johnson-ac.com


Serving San Antonio and surrounding areas sine 1969

Johnson Air Conditioning…. We do care!

          How Much Should I Pay?

 Pricing Considerations 

Real estate agents frequently use a Comparative Market Analysis (CMA) to estimate a property’s probable selling price. CMAs help sellers decide on a listing price, whereas buyers use them to determine how much they want to offer for a property. 

While sellers and buyers have naturally opposing price preferences, a CMA is designed to be a completely objective evaluation, based on recent and actual selling prices for comparable properties. Since real estate markets can change quickly, it’s essential to recognize that a CMA only provides a “snapshot” for a particular point in time. 

The comparable properties included in a CMA should be similar, recently-sold homes. When selecting “comps,” the date of sale, location, and size of a home are the most important factors, but amenities, floor plan/style, age, number of bedrooms/bathrooms, garage size, improvements, and potential negatives may also be considered. 

When reviewing a CMA to structure an offer on a particular property, it’s also helpful to examine the following: 

* Competing properties are substantially similar homes that are currently listed for sale. Since they haven’t sold yet, they’re usually distinguished from other “comps” in a CMA. Sellers know they are competing against these properties, so it’s important for buyers to factor them into their negotiating strategy. 

* Absorption rates are used to analyze the strength of a market, in terms of the supply and demand for current competing properties (the number of homes on the market relative to the number of homes sold). A low absorption rate indicates that sellers are in a stronger position whereas a high absorption rate is favorable for buyers. 

* Days on market may indicate how appropriately a property has been priced for sale, especially when compared to absorption rates. If, for example, the absorption rate is two months, but a competing property has been listed for over three months, a potential buyer of that property might have a stronger negotiating position. 

* Sales price/list price ratios for specific categories of homes may help buyers understand how much less than the listing price they can realistically expect to achieve. 

* Each of these factors, and others, are important considerations in your negotiating strategy, particularly concerning price. Your buyer’s agent is your best resource for professional insights on current market conditions. With their assistance, you’ll be in a better position to make an informed, realistic, and winning offer on your next home.

Call Landin, REALTORS® for a Free Consultation 210-862-8663

           Moving Checklist

This list contains most of the big tasks you’ll need to do, (and some that you won’t) and suggested timeframes. Depending on your situation, you may need to add other things.

8 Weeks Before

Call moving companies for estimates.

Remove and dispose of unnecessary possessions.

Start compiling an inventory of your possessions.

Get a floor plan (with room dimensions) of your      new home to help you decide which furnishings you want to keep and which room they will go in.

Start a file of moving-related papers and receipts.

Locate schools, healthcare professionals and hospitals in your new location.

Arrange to transfer your children’s school records and family medical records.

6 Weeks Before

Secure off-site storage, if needed.

Choose a mover and sign contract.

Contact your homeowner’s insurance agent about coverage for moving and secure more, if necessary.

Contact insurance companies (auto, homeowner’s, medical, and life) to arrange for coverage in your new home.

4 Weeks Before

Create a file of important papers, such as auto license, registration documents and title; any medical, dental and school records; birth certificates; wills, deeds, stock certificates, and other financial documents.

Notify the following of your change of address:

Post office

Banks

Credit card companies

Relatives and friends

Insurance agent, lawyer, tax/financial advisor

Magazine subscriptions

Notify utility companies of date to discontinue/transfer service and/or establish service at your new home.

Also arrange for final readings and bills, including refunds on prepaid services.

Electric

Heating, oil

Internet service

Natural gas

Telephone

Television

Trash collection

Water

Notify your state’s department of motor vehicle of your new address.

If moving from an apartment, arrange for refund of your security deposit.

Discontinue additional home services (housekeeper, gardener/lawn service, snow removal, and pool cleaner), if applicable.

Start using up things you can’t move, such as perishables.

3 Weeks Before

Make travel plans, if necessary.

Make arrangements with condo or homeowner’s association to reserve elevator usage time if moving into or out of a high-rise building.

Arrange to close existing bank accounts and open new accounts in new area.

Arrange for child care on moving day.

2 Weeks Before

Arrange transport for your pets and plants.

Contact your moving company and review arrangements for your move.

1 Week Before

Pack moving-essential boxes—important documents, travel clothes, personal items and prescription medications.

2–3 Days Before

Confirm all final arrangements with your mover and other service providers.

Landin, REALTORS®     Tel: 210-862-8663     info@landinrealtors.com

       Are you ready to buy a home?
 
 The decision to purchase a home is a highly personal one, based on both tangible and intangible factors. Beyond your personal situation, local market conditions, financing costs, and future expectations must also be evaluated. 

The following list of questions can help you decide if you are ready to move forward with a home purchase. Landin, REALTORS® can help you sort through these issues and provide essential local market perspectives.

PURCHASING CONSIDERATIONS

     1.- If you purchase a home, how long do you expect to live there?

     2.- What can you afford to pay each month for housing-related

          expenses?

     3.- What are the total costs of home ownership? This 
        may include:

                  * Mortgage payments (based on various interest rate and term

                     assumptions)

                  * Property taxes

                  * Homeowner’s insurance

                  * Utilities

                  * Maintenance costs

                  * HOA (If any)

                  * Any other special fees?

     4.- Do you expect these housing-related expenses to increase or

          decrease? (changes in interest rates may be a bigger

          factor than others)

     5.- What additional expenses are required to complete 
        a purchase?

          (closing costs, moving expenses, etc.)

     6.- How much will your home ownership costs decline after 

          adjusting for interest expense deductions and property taxes 

          (if applicable)?

     7.- Are local market prices favorable to purchasing? What 
          are your

          expectations on future prices?

     8.- Do you qualify for any special purchasing assistance
          programs 

          that can help reduce the cost of home ownership?

 

RENTING CONSIDERATIONS

      1.- If you are now a renter, what are your total housing
           expenses?

            (monthly rent, utilities, housing assessment, parking, etc.?)
       
2.- How does renting vs. buying factor into your 

            long-term investing goals?

           

OTHER FACTORS

    1.- What are your personal preferences regarding the type of
         housing

         you wish to live in? 

    2.- How does location factor into your housing preferences?

    3.- How do you expect your personal situation to change, in terms 

         of future housing needs?

    4.- What are your expectations concerning future employment?

      5.-  Are Schools important on your decision?

      6.- What are your long-term personal and financial goals,                         with regard to housing?

It is always good to have a Professional REALTOR® on 
your side,  
Call Landin, REALTORS® for a Free Consultation.

Don’t think you need a buyer’s agent? Think again
 
 

Whatever your reasons for not hiring a buyer’s agent, they probably aren’t good enough to forgo such an important home buying resource. Here are three reasons why hiring a buyer’s agent can benefit you.

1.- You’ll have someone on your side. Hiring your own buyer’s agent will ensure you have someone working on your behalf with your best interests in mind. You’ll also have someone who will handle communication with the other party, and keep your transaction on track. And when you have questions during the process, you’ll have someone you can trust providing the answers.

2.- You’ll probably save money. There is usually no direct cost when you hire a buyer’s agent, since sellers typically cover the agents’ commissions. Plus, you’ll have an expert negotiator working for you. Even if you think you’re good at getting deals, a buyer’s agent has experience negotiating sale prices in your market, and has access to data that will help you create a more accurate offer price than what you’d come up with on your own.

3.- You’ll reduce your chances of legal trouble. Are you comfortable with earnest money, option fees, and title insurance? Real estate transactions are complicated with continually changing laws and procedures. Unless you’re dedicated to keeping up with the latest industry news, you’re putting yourself at risk of losing money or winding up a party in a lawsuit. Buyer’s agents keep up with the laws and know ways to reduce your risk in a real estate transaction.


 

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Print and keep for your records... Thank you!

Regulated by TREC

Landin, REALTORS® is an independent real estate brokerage, committed to providing outstanding service and value to buyers and sellers. Landin, REALTORS® is known for developing quality working relationships with clients; relationships based on respect, integrity, and trust. Landin, REALTORS® is proud to have developed beneficial relationships with lenders, inspectors, contractors, and a wide range of housing professionals. 

Whether you are purchasing, selling, or both... Landin, REALTORS® will ensure that you have the support you need to make sound decisions and receive the best experience possible. Landin, REALTORS® goes the extra mile for you!

Please call us, we will be happy to speak with you.    Thank you!

210-862-8663

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