Market Update for June 2023 - Rio Grande Valley, Harlingen/Brownsville & San Antonio

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Don't Believe the Mortgage Myths!

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  There are common misconceptions about the home loan process and we're here to bust those myths and put them to rest. As mortgage experts, we’ve heard every myth and misconception under the sun when it comes to home financing. Unfortunately, many of these myths can prevent people from making informed decisions about their mortgages, which can have long-term financial consequences. In this article, we'll dive into some of the most common mortgage myths and debunk them once and for all. Myth #1: You can't afford to buy a home. The truth is, if you can afford rent, you can very likely afford a monthly mortgage payment. In fact, rent can sometimes be just as high or higher than a mortgage payment. Plus, by renting, you could miss out on the opportunity to build wealth with one of the most common investment tools for Americans. Owning a home can also help offset your annual tax bill. Consult your tax advisor for details. Myth #2: You must put 20% down. Wrong! This is perhaps th...
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Have you filed for a Homestead Exemption?

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  What is a homestead exemption? Homestead exemptions are granted by the county appraisal district where the property is located. The exemption reduces a homeowner's property tax bill by removing part of the home's value from taxation. All Texas homeowners may receive a General Residence Homestead Exemption on the value of their property for school taxes upon application. Other taxing entities may also offer exemptions of some percentage of the home's value. Other exemptions are available to homeowners who are over 65 or disabled and require the same application process. Do you qualify? These requirements must be met to receive the exemption: You must reside at the home as your principal residence and not claim any other property as a homestead. Only individual homeowners (not corporations or other entities) may receive a homestead exemption. A homestead can be a house, condominium, or manufactured home. It can include up to 20 acres if the land is also owned by the h...
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What's the worst part of Renting?

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  Listen, renting has many positives: you won't have to handle maintenance issues and you'll have the freedom to move within a year or two if needed. But owning a home allows you to enjoy greater stability, tailor your living space to your liking as well as build equity and long-term gains as the property appreciates over time. If you're ready to switch from renting to owning, give me a call - I'll be happy to walk you through your options. #rgvRoy #rgvhomes #rgvRealtor #rgv #rgv956 #956 #thehelpfulagent #home #houseexpert #house #listreports #househunting #finances #mortgage #investment #realestate #realtor #realestateagent #happyhome #happyhomeowners #housingmarket
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