Question 1

What makes Velvet Realty Group different?

Accepted Answer

Two full-service agents (Jonathan and Naomi) working together for every client. Jonathan is dual-licensed as both a Realtor and Mortgage Loan Officer, so your financing and real estate move together from day one. Naomi is a dedicated buyer's agent focused on making sure you feel informed and confident. You get listing expertise, buyer expertise, and mortgage knowledge all under one roof — no dropped calls between separate offices.

Question 2

What is the Hero Rebate Program?

Accepted Answer

The Hero Rebate Program returns 10% of our gross commission to military families, first responders, teachers, nurses, and other community heroes when they buy a home through Velvet Realty Group. Our mission is to help military families keep their BAH instead of losing it to agent commissions.

Question 3

Do you specialize in new construction?

Accepted Answer

Yes. New construction is our primary specialty. We have deep expertise negotiating with builders and know how to get maximum leverage for our buyers — from builder incentives and price negotiations to contract terms that protect your interests.

Question 4

Do I get one agent or two?

Accepted Answer

Two. When you work with Velvet Realty Group, you get access to both Jonathan and Naomi regardless of who you contact first. Jonathan handles listings and mortgage lending. Naomi is a dedicated buyer's agent. Together, they provide full-service coverage for every transaction.

Question 5

What areas do you serve?

Accepted Answer

Our primary markets are New Braunfels, Universal City, Schertz, and Cibolo. We also serve San Antonio, Helotes, Alamo Heights, and surrounding Texas Hill Country communities throughout the greater San Antonio metro.

Question 6

Can first-time home buyers work with you?

Accepted Answer

Absolutely. Education and guidance for first-time buyers is one of our core specialties. We walk you through every step from pre-approval to closing, explain every decision in plain language, and never make you feel like your questions are an inconvenience.

Question 7

How much do I need for a down payment?

Accepted Answer

It depends on the loan program. VA loans offer 0% down for eligible military buyers, USDA loans offer 0% down in eligible areas, conventional loans can be as low as 3% down, and FHA loans require 3.5% down. Texas also has down payment assistance programs through TSAHC and TDHCA. Jonathan, as a dual-licensed MLO, can help you determine which option fits your situation.

Question 8

How much are closing costs?

Accepted Answer

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 review your estimate line by line so you know exactly what you are paying.

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9803 Morgans Mills

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