Bulverde/Spring Branch, TX Real Estate
Donna Clement
210-876-2146210-876-2146

Thinking of Selling Your House in Bulverde | Spring Branch, TX? This is a Perfect Time!

It is common knowledge that a great number of homes sell during the spring buying season. For that reason, many homeowners hold offputting their homes on the market until then. The question is whether or not that is a good strategy this year.

The other listings that come out in the spring will represent increased competition to any seller. Do a greater number of homes actually come to the market during this season in comparison to the rest of the year? The National Association of Realtors (NAR) recently revealedthe months during which most people listed their homes for sale in 2018. This graphic shows the results:

Thinking of Selling Your House? This is a Perfect Time! | MyKCM

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159 Eagle Crest, Spring Branch, TX, 78070 – Home for sale!

You are going to love the amazing views in this beautiful home located on a cul-de-sac in River Crossing in Spring Branch, TX. Step inside to an impressive entry with 20’ ceilings and beautiful stone floors. The first thing you will notice are the views from the spacious family with stone fireplace. A gourmet kitchen with a breakfast bar, island and stainless-steel appliances opens to the dining and family rooms. The game room off the kitchen has a wet bar with lots of windows and outside access. The downstairs master bedroom is private and has an attached spa-like bath with fabulous walk-in closet. Three bedrooms are upstairs with a private bath, a Jack and Jill bath and views. There’s also a very spacious loft and an attached gym or flex space. The expansive covered patio overlooks the magnificent views of the Texas Hill Country! Contact me today to schedule a tour of this wonderful home.

159 Eagle Crest, Spring Branch, TX, 78070 – Listing #1363803

How to Get a Better Perspective on Affordability in Bulverde | Spring Branch, TX

Headlines spotlight the fact that buying a home is less affordable today than it was at any other time in more than a decade. Those headlines are accurate.

Understandably, buying a home is more expensive now than immediately following one of the worst housing crashes in American history. Over the past decade, the market was flooded with distressed properties (foreclosures and short sales) selling at 10-50% discounts. There were so many that this lowered the prices of non-distressed homes in the same neighborhoods. As a result, mortgage rates were kept low to help the economy.

Prices have since recovered. Mortgage rates have increased as the economy has gained strength. This has impacted housing affordability. However, it’s necessary to give historical context to the subject of affordability.

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One More Time… You Do Not Need 20% Down to Buy a Home in Bulverde | Spring Branch, TX

The largest obstacle renters face when planning to buy a home is saving for a down payment. This challenge is amplified by rising rents, which has eaten into the amount of money renters have leftover for savings each month after paying expenses.

In combination with higher rents, survey after survey has shown that non-homeowners (renters and those living rent-free with family or friends) believe they need to save upwards of 20% for their down payment!

According to the “Barriers to Accessing Homeownership”study commissioned in partnership between the Urban Institute, Down Payment Resource, and Freddie Mac,39% of non-homeownersand 30% of those who already own a home believe they need more than a 20% down payment.

The percentage of those who are aware of low down payment programs (those under 5%) is surprisingly low at 12% for non-homeowners and 13% for homeowners.

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Do You Know How Much Your Home in Bulverde | Spring Branch, TX Has Increased in Value?

Last year we saw headlines about a possible housing market bubble, and many wondered if Americans still felt confident about the value of their homes. Recently, the 2018 Houzz & Home Studyrevealed:

Homeowners with mortgages have seen their home equity more than double since 2011, increasing to a record-setting $8.3 trillion in 2017.”

The average homeowner gained $16,200 in home equity between Q2 2017 and Q2 2018 according to the latest release of CoreLogic’s Home Equity Report.

Since 2011 home values have increased significantly throughout the country, with prices rising by 5.1% in 2018 alone. When surveyed, homeowners revealed the top four reasons why they felt their homes had increased in value.

To see the full article, click here.

Is Student Loan Debt A Threat to Homeownership in Bulverde | Spring Branch, TX? No!

Over the course of the last thirty years, a shift has happened. An entire generation has been raised to believe that a college education is their key to unlocking opportunities that were not available to their parent’s or grandparent’s generations.

Due to this, student loan debt has soared to $1.5 trillion and represents the largest category of debt, surpassing credit card and auto loan debt in 2010 and never looking back. As more and more Americans continue their education amongst rising tuition costs, this number will no doubt increase.

Many housing experts have blamed student loans for a drop in the homeownership rate for young families, and to an extent, they’ve been right. Increased debt at the time of graduation has no doubt limited young people from being able to afford a home at the same rate as their parents or grandparents did at the same age.

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The Importance of Homeownership to the American Dream in Bulverde | Spring Branch, TX

For centuries, people in this country have seen homeownership as part of the American Dream. Whether they were born here or immigrated from another country, they wanted to own a piece of America. With so many prominent societal changes over the last few decades, it is fair to ask if people in America still feel the same way about owning a home. The answer was made abundantly clear in two separate reports released earlier this month.

In their market trends report, As Housing Trends Shift, So Does Renter, Buyer and Seller Sentiment, Truliarevealed that:

“After two years of no change, the share of Americans who say that homeownership is part of their personal “American Dream” ticked up from 72 percent to 73 percent of Americans.”

At the same time, the National Association of Realtorsreleased their Aspiring Home Buyers Profile.As the report explained:

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The Difference Having a Professional on Your Side Makes in Bulverde | Spring Branch, TX

In today’s fast-paced world, where answers are a Google search away, there are some who may wonder what the benefits of hiring a real estate professional to help them in their home search are. The truth is, with the addition of more information, comes more confusion.

Shows like Property Brothers, Fixer Upper and the dozens more on HGTV have given many a false sense of what it’s like to buy and sell a home.

Now more than ever, you need an expert on your side who is going to guide you toward your dreams and not let anything get in the way of achieving them. Buying and/or selling a home is definitely not something you want to DIY (Do It Yourself)!

Here are just some of the reasons you need a real estate professional in your corner:

To see the rest, click here to go to ClementHomeTeam.com.

Selling Your Home in Bulverde | Spring Branch, TX? Make Sure the Price is Right!

If you’ve ever watched “The Price is Right,” you know that the only way to win is to be the one to correctly guess the price of the item you want without going over! That means your guess must be just slightly under the retail price.

In today’s shifting real estate market, where more inventory is coming to market and home values are projected to appreciate at lower rates, homeowners will not be able to price their homes as aggressively as they were able to just last year.

They will have to employ the same strategy: be the closest without going over!

As we have explained before, pricing your home at or slightly below market value actually increases the number of buyers who will see your home in their search!

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Buying a Home Young is the Key to Building Wealth in Bulverde | Spring Branch, TX

Homeowners who purchase their homes before the age of 35 are better prepared for retirement at age 60, according to a new Urban Institutestudy. The organization surveyed adults who turned 60 or 61 between 2003 and 2015 for their data set.

“Today’s older adults became homeowners at a younger age than today’s young adults. Half the older adults in our sample bought their first house when they were between 25 and 34 years old, and 27 percent bought their first home before age 25.”

The full breakdown is in the chart below:

Buying a Home Young is the Key to Building Wealth | MyKCM

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