Shirley's San Antonio Real Estate Blog: August 2009

San Antonio Neighborhoods Series ~ Oakwell Farms

Oakwell Farms is a master planned gated community located on land that was originally part the huge Tobin family estate.  It is located inside Loop 410, off Harry Wurzbach near Alamo Heights and Terrell Hills.  Adjoining Oakwell Farms is a driving range and horse stables

A desirable and convenient neighborhood for military families, there are two roads that lead directly to Ft. Sam Houston; one to BAMC, and the other to the main base.  Travel time is probably less than 10 - 15 minutes.  The Oakwell Farms development includes jogging trails, mature oak trees, beautiful landscaping, wooded areas, tennis courts, pool, clubhouse, park/playground.

Homes currently listed on MLS in Oakwell Farms range from a 1943 sf 3/2/2 on .20 acres at an affordable $248,000 to a 4387 sf 4/4.4/2 on .61 acres at $825,000.

Oakwell Farms is in the desired North East Independent School District, NEISD, and there are also Catholic and private schools nearby.

A little history: Robert Lynn Batts Tobin was the son of Edgar Tobin, who in 1928 founded Tobin Surveys, a company specializing in aerial photography and map creation important to the oil exploration industry. After his father's death in a 1954 plane crash that also killed Tom Braniff, founder of Braniff Airlines, Robert took over the company.

Robert Tobin used the family's wealth in part to become a generous philanthropist and arts patron. He played a major role in the expansion of the McNay Art Museum and its theatrical arts collections here in San Antonio. He was very involved with the Metropolitan Opera in New York and the Boston Public Library.

Before his death in 2000, Tobin was prepared to redevelop his family estate, Oakwell Farms, into a planned development which included nature trails. The Tobin Endowment followed through with these plans by donating 89 acres of the estate along Salado Creek for the park.

Tobin Park opened last year and features a paved hike and bike path that stretches from Loop 410 south to pass under Austin Highway.  A life-size bronze statue of Tobin in tuxedo, opera cape, walking cane, and alligator boots is located at the entrance to the park.  Multiple artworks by San Antonio artist Carlos Cortes, whose faux bois works of concrete replicate wood, are placed to greet visitors and provide seating at the trailhead.

 

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


6 commentsShirley Parks, REALTOR® - SRES • August 15 2009 11:14PM

Spring TX First Time Home Buyers Guide - Part 1 - Loan Pre-approval!!

Via Marchel Peterson Spring TX Real Estate E-Pro ABR (Results Realty):

Getting pre-approved for your Spring TX homeI remember being a first time home buyer and the mystery that surrounded the transaction.  This is the first post of a "Spring TX first time home buyer series". I hope this series will help to alleviate some of the home buying mystery.

The VERY FIRST step in the process is to get yourself pre-approved with a good lender.  I'm not talking pre-qualified; I'm talking pre-approved. There is a difference between the two.  In the days where anyone could get a loan this was not a big deal but those days are over.

What is a Pre-Qualification?

A prequalification is simply a meeting between a loan officer and a customer to determine what the mortgage needs of the customer are.  Income and assets are not verified.  The credit report may or may not be pulled.  The information is not submitted to an underwriter.  The lender does not receive enough information to make a credit decision.

What is a Pre-Approval?

Pre-approval includes a complete loan application.  A credit report is pulled and asset and income are verified.  The information is submitted to underwriters for "credit only" decision.  Once you have been pre-approved your credit package can be used with any property.  Final loan approval will be subject to the underwriter approving the property only.  A pre-approval is normally good for 90 days.  The borrower receives a written pre-approval letter.  A true approval requires this income and asset documentation and credit reports are required on all loan types.

Being pre-approved in Spring TX gives you an edge when you start looking for your home.  If you get in to the situation where there is more than one offer on a home it is often the person who is further along in the loan process who will get the home.  I have even had the situation where the other offer was a little more but my seller preferred the person who had a true pre-approval. 

The rules have TOTALLY changed in the mortgage industry.  The products that lenders had for first time home buyers in Spring TX last year, maybe even last week are no longer available to the consumer which makes getting pre-approved for your loan more important than ever.  Once you even think that you might be interested in purchasing a home you should call a lender. Even if the news is not good by going through the process you will know what you need to start working on and you can make a game plan to get your credit in order. 

The days of a real estate transaction being dependent upon the creativity of a loose lender are finished.  Down payments are back again and FHA loans are sometimes the only game in town with VA loans being about the only 100% loan. With all of this in mind getting yourself pre-approved before you ever start looking is more important than ever.  

I am also attaching some Do's and Don'ts you might consider putting in to action when you start thinking about purchasing a Spring TX home.

Do'sLoan approval for your Spring TX home

  • Do make all your payments on time. Your credit will be checked again right before you close.
  • Do continue saving money. There are always additional expenses once you move and you will be glad for that savings.
  • Do make deposits into your bank account on a regular basis. If you have any unusual deposits for large sums of money document them as the lender may need to verify the source.

Don'ts

  • Do not co-sign for any loans for friends or family. That debt would be held against you.
  • Do not decide this is the time to change banks; you can do that after you move in.
  • Do not open ANY new accounts. Even though the new account has a $0 balance it may still affect your debt to income ratio.
  • Do not buy a new car!!! Wait until after you are in your new house then go car shopping otherwise the debt could affect your debt to income ratio.
  • Do not lender shop over the Internet. Each lender pulls a credit score and multiple hits on your credit report can cause your score to drop dramatically.
  • Do not pull your own score and then decide you will check why accounts are still open or have balances. I did this myself and then had to write a note at closing to explain why I had all these hits on my credit

___________________________________________________________________________________________________

If you are buying or relocating to  Spring Texas and need help from a professional REALTOR®,  Marchel can be reached at Marchel@AgentwithResults.com or by phone at 832-721-8332. 

If you would like information about Spring TX please visit my websites at www.AgentwithResults.com and at www.ResultsRealtytx.com.  The AgentwithResults site is rich in Content about Spring and the surrounding areas of Tomball, The Woodlands and Magnolia.  If you prefer pictures with your content then visit my ResultsRealtyTX site.

Want to find out about new Spring TX properties immediately as they come on the market, then click here to sign up for a free automatic notification of new listings.

Search for home in The Woodlands Creekside VillageClick the button to the left to search our local MLS.

Subscribe to Results Realty BuzzSubcribe in a reader

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


5 commentsShirley Parks, REALTOR® - SRES • August 14 2009 10:31PM

San Antonio Neighborhoods Series: Alamo Heights

Alamo Heights is one of the most, if not the most, prestigious neighborhoods in San Antonio.  It was incorporated as an independent municipality in 1922 so it is a town or suburb within a city and is located only 2 miles from downtown.  It has a rich heritage and is a very desirable neighborhood with a hometown feel to call home, if you can afford it. 

Many people are attracted by the easy access of Alamo Heights to San Antonio's business district, shopping, and entertainment choices.  The area is well known for its charm, family friendly atmosphere, and excellent schools.  For golfers, the Quarry Golf Club has one of the best golf courses in Texas.


Residential real estate in Alamo Heights ranges from condos and townhomes to modest frame homes to expensive estates, all graced with shady oak trees and nice landscaping.  The most expensive home currently listed in the MLS is priced at $2,399,000.  Only 5 years old, the 5352 square foot Mediterranean style home has 4 bedrooms, 3.5 bathrooms, 2 car garage, gourmet kitchen, a beautiful pool, courtyards, lush landscaping, mature trees.  A much more modest home can be had for much less, but still on the pricey side. 

Alamo Heights is home to the fabulous gourmet market, Central Market HEB, probably the best place in town to find any gourmet food item you may need; they also have a huge selection of domestic and imported wines.  Don't leave without checking out the awesome deli!  Nearby is my favorite San Antonio restaurant, Cappy's Restaurant, where my husband and I often celebrate special occasions. 

You never have to leave this neighborhood if you don't want to; Alamo Heights has it all!

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


15 commentsShirley Parks, REALTOR® - SRES • August 13 2009 10:05PM

Brake Works (and more)

BRAKE WORKS

My husband, Stephen, has known Ray Gruetzner, the owner of Brake Works on Nacogdoches Rd. since 1987. Stephen and his late wife relocated here from the Dallas area and bought a house next door to Ray.  We have since moved from that house to a smaller house in the same neighborhod but we still turn to Ray for our car care needs.  Although the name of the business is Brake Works, they also take care of other car repair and maintenance issues.  Ray and his son also own a second Brake Works at 281 and Bitters.

We have always been impressed with the quality of work, reasonable prices, friendliness, and great customer service we have received from Brake Works.  The shop is always clean and pleasant.  Best of all, we feel that we can place our trust in what Ray and his staff tells us about what our vehicles need.  They always answer our questions in a straightforward manner and always get our car back to us in a timely manner, running in tip-top shape.  Stephen and I both feel really lucky to know Ray!

RAY GRUETZNER, Owner
14950 NACOGDOCHES RD
SAN ANTONIO TX, 78247
(210) 657-3300

 

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


5 commentsShirley Parks, REALTOR® - SRES • August 12 2009 10:12PM

Rob Cary Pet Resort

Rob Cary Pet Resort

Whenever we need to go out of town we leave out pets at the fabulous Rob Cary Pet Resort.

Rob Cary is located on 3.9 acres in north central San Antonio on Bulverde Road inside Loop 1604.  Owned and operated by the same family who founded the facility in 1976, the modern, 40,000 sq. ft. facility features central air conditioning and heating, and piped-in music for the interior pet suites. Some of the pet suites even have their own tv and couch.  The complex includes accommodations for dogs, cats and birds, with grooming areas, professional training facilities and a retail shop.  We can travel secure in the knowledge that our Beagle, Snoopy, and our tuxedo cat, Fluffy, will receive the best of care while we are gone.  Some of the pet care professionals are on premises, resident caretakers so the pets are never alone.   If you are looking for a place to board your pet, check out Rob Cary; you will be impressed.

 

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


6 commentsShirley Parks, REALTOR® - SRES • August 12 2009 12:01AM

Fans of Democrats and Republicans both need to take heed!!!!!

Via Larry Bettag - Cherry Creek Mortgage:

Some of what goes on in Congress

This is a YouTube video that was made of US Rep. Tom Price-6th Dist. Georgia, a physician for 25 years, on Wednesday.  Tom is a member of the House Health Care Committee, and the video was shot in the Wed. Committee meeting.  Please share this with everyone you know.............this healthcare legislation MUST be defeated.  Please share this video.  Tom has said that our Constitution is being burned right before our very eyes.  We must, Democrats and Republicans alike, let our "leaders" know that this plan is unacceptable.
There has to be a better way than a government takeover !  If the Government takes over, it will be one of the most colossal blunders in the history of this Nation!  

http://www.youtube.com/watch?v=SD_YOlUBoIk

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


0 commentsShirley Parks, REALTOR® - SRES • August 11 2009 11:33PM

San Antonio Schools & Universities

San Antonio area Independent School Districts 

Alamo Heights ISD, 7101 Broadway, 78209; (210) 824-2483
Boerne ISD, 123 W Johns Rd, Borne, TX 78006; (830) 357-2000
Comal ISD, 1404 IH 35 North, New Braunfels, TX 78130; (830) 221-2000
East Central ISD, 6634 New Sulphur Springs Road, 78263; (210) 648-7861
Edgewood ISD, 5358 West Commerce Street, 78237; (210) 444-4500
Fort Sam Houston ISD, 1902 Winans Road, 78218; (210) 368-8700
Harlandale ISD, 102 Genevieve St., 78204; (210) 921-4300
Judson IDS, 8012 Shin Oak Dr., Live Oak, TX 78233; (210) 945-5100
Lackland ISD, 2460 Kenly Avenue, Lackland AFB, TX 78236
Medina Valley ISD, 8449 FM 471 South, Castroville, TX 78009; (830) 931-2243
North East ISD, 8961 Tesoro Drive, 78217; (210) 804-7000
Northside ISD, 5900 Evers Road, 78238; (210) 397-8500
Randolph Field ISD, P.O. Box 2217, Universal City, Texas, 78148; (210) 357-2300
San Antonio ISD, 141 Lavaca Street, 78210; (210) 299-5500
Schertz-Cibolo-Universal City ISD, 1060 Elbel Road, Schertz, TX 78154; (210) 945-6200
Somerset ISD, 19644 Somerset Road, Somerset, TX 78069; (866) 852-9858
Southside ISD, 1460 Martinez-Losoya Road, 78221; (210) 882-1600
South San Antonio ISD, 2515 Bobcat Lane, 78224; (210) 977-7000
Southwest ISD, 11914 Dragon Lane, 78252; (210) 622-4300

School District Locator (from Texas Education Agency)

Archdiocese of San Antonio Catholic Schools
For more information please call 210-734-2620 or to go www.sacatholicschools.org

Colleges and Universities

Alamo Community College District (includes Northwest Vista College, Palo Alto College, St. Philip's College, and San Antonio College)
Baptist University of the Americas
National Autonomous University of Mexico
Northwest Vista College
Our Lady of the Lake University
Palo Alto College
San Antonio College (SAC)
St. Mary's University
St. Philip's College
Texas A&M University-Kingsville System Center-San Antonio
Texas Lutheran University (in Seguin)
Trinity University
University of Mexico in San Antonio (Universidad Nacional Autonoma de Mexico)
University of Texas at San Antonio
University of Texas at San Antonio Health Science Center
University of the Incarnate Word
Wayland Baptist University

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


3 commentsShirley Parks, REALTOR® - SRES • August 08 2009 08:17AM

~John the Greek Restaurant~

John the Greek restaurant is one of those places we have been meaning to try for some time now.  Tonight, on the spur of the moment, we did so.  We didn't have our camera with us so I don't have any photos to share.

We met John, the owner, who was very hospitable and came by our table to chat for a while.  We told him the restaurant came highly recommended by our son-in-law.  John told us that his family (the Velentzas family) originally came from Greece and opened their first restaurant on Harry Wurzbach near Ft. Sam Houston.  Ten years ago they moved the restaurant to the present location.

The menu was extensive with many dishes that we were unfamiliar with so I went with something I have had before, a gyro and Greek salad.  My husband had a gyro and fries.  We had hummus with pita points for an appetizer.  Everything was really good and my husband raved about the fries.  Next time we will be a little more adventurous and try something we have never had before; that leaves lots to choose from.  They had lots of yummy dessert choices and we chose baklava to bring home with us.

The restaurant is located at 16602 San Pedro in Park Oak Center at 281 and Thousand Oaks near Sherlock's pub.  Friday and Saturdays nights feature belly dancing and singing. 

I highly recommend John the Greek!

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


11 commentsShirley Parks, REALTOR® - SRES • August 06 2009 10:32PM

Live the Simple Life in the Texas Hill Country

Are you looking for a simpler way of life?  Or  just looking for a relaxing vacation getaway? The Texas Hill Country could be the place for you.

Set deep in the heart of Texas, people are attracted to the hill country area because of the lush countryside with its rolling hills and fields of wildflowers. The spirit of "old Texas" lives on with its Mexican influences,  softened by the European touch of the Germans who settled here.  Enjoy lunch or dinner in a beer garden, taking in the fresh country air, or drive to Luckenbach, made famous by Waylon Jennings and Willie Nelson. Visit a lavender farm in Blanco, the many wineries that dot the area, stay at a bed & breakfast. www.hat.org

Plenty of small picturesque towns can be found in the hill country such as Wimberley, Sisterdale, Comfort, Welfare, Waring.  Some of the best-loved larger towns are Fredericksburg with a population of 10,873, New Braunfels population 51,804, and San Marcos population 50,373.

The average number of sunny days in the Texas Hill country is 228.

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


5 commentsShirley Parks, REALTOR® - SRES • August 06 2009 02:02PM

Your Friendly Neighborhood Lender ~ Mike Puente

If you are thinking of buying a home or refinancing your present home, call Mike Puente with Viewpoint Bankers Mortgage for your mortgage needs.  Mike is a native of San Antonio and has more than 30 years of lending experience.  He treats his clients the way everyone wants to be treated.  As a REALTOR, I appreciate the premiere customer service Mike provides each client I refer to him.  He is friendly, accessible, returns phone calls, and has the knowledge and expertise to put you at ease.  Mike is the first loan officer I have ever worked with who attends closings!

Mike is President of the SATAMB (San Antonio Texas Association of Mortgage Brokers) for 2008-09. He believes in contributing to his community and is involved with many non-profit organizations such as Wilson Area Housing Foundation and Homes for Pets. He is also an approved trainer for Neighbor Works America, a national non-profit organization, created by Congress that works with national and local partners to create new opportunities for residents, while improving communities.

Mike's personal interests include tennis, spending time with his wife and daughter raising show lambs, and traveling to regional and major livestock shows. 

210-490-8833 Office
210-573-3224 Cell
210-490-8944 Fax

325 Sonterra Blvd., E
Suite 220
San Antonio, TX 78258

mike.puente@vpbmortgage.com

        

 

 

                    

SRES DEswg w tag

As an SRES® designee, I have received additional education on such topics as tax laws, probate, estate planning, equity conversion strategies, and can offer you information on current market trends as well as valuable resources regarding real estate transactions.


7 commentsShirley Parks, REALTOR® - SRES • August 04 2009 10:10PM