Buying a Home in San Antonio
A clear, step-by-step walkthrough of what to expect when buying a home in the San Antonio area. No jargon, no surprises.
Get Pre-Approved
Before you start looking at homes, you need to know what you can afford. With Jonathan as a dual-licensed Mortgage Loan Officer, we can handle your pre-approval in-house so everything moves together from day one.
Find Your Home
We will set you up with listings that match your budget, your lifestyle, and your must-haves. We tour homes together and give you honest feedback, not just excitement.
Make an Offer
We will pull comparable sales, advise you on a competitive offer, and negotiate on your behalf. This is where our superpower kicks in, we protect your interests from the very first offer.
Inspections & Appraisal
Once your offer is accepted, we coordinate inspections and appraisal. If issues come up, we negotiate repairs or credits so you are not stuck with surprises at closing.
Final Approval & Closing
We stay on top of your loan process, coordinate with the lender and title company, and make sure you are ready to close on time. On closing day, you sign the papers and get your keys.
Before You Call
How much do I need for a down payment?
It depends on the loan program. Conventional loans can be as low as 3% down, FHA loans require 3.5%, and VA loans offer 0% down for eligible military buyers. We will help you figure out which option is best for your situation.
How much are closing costs?
Closing costs typically run 2% to 5% of the purchase price. This includes lender fees, title insurance, escrow deposits, and prepaid items like homeowners insurance and property taxes. We will review your estimate line by line.
Is there down payment assistance available?
Yes. Texas has several down payment assistance programs, including the Texas State Affordable Housing Corporation (TSAHC) programs and TDHCA My First Texas Home program. Jonathan can walk you through eligibility as a dual-licensed MLO.
How long does the buying process take?
From pre-approval to closing, most transactions take 30 to 45 days once you are under contract. Finding the right home can take a few weeks or a few months, depending on the market and your timeline.
Ready to start your home search?
We will help you from pre-approval to keys in hand. Let's talk about what you are looking for.