Like a House? Pin It with Pinterest

Pinterest "Pin It" Button - Pin Your Favorite Properties

Now Pinterest users can pin their favorite homes for sale to their accounts. Using the “Pin It” button located throughout the site at the top of each page or post (note: the button is now located at the bottom of the post), you’ll be able to show your friends and other Pinterest users some of the amazing homes for sale in San Antonio.

In addition to being able to pin photos of our homes, you can post just about any photo to Pinterest, as we’ve left the choice up to you. Clicking on the “Pin It” button will bring up a selection of photos to choose from – we thought we’d give you more choice over which photo you wanted, instead of making only one photo available.

Let us know what you think about this new feature and what types of things you’re posting to Pinterest.

Pop-Up Farmer’s Market and Feast

Pop-Up Farmer's Market and Feast - Bin 555 - San Antonio

I was lucky enough to attend Chefs Jason Dady and Andrew Weissman’s Pop-Up Farmer’s Market and Feast last Wednesday at Bin 555 last Wednesday. For those of you that missed it, be on the lookout for one in the future. This event was incredible – a combination of a farmer’s market and an amazing dinner experience.

Held in the back parking lot area of Bin 555 and The Alley on Bitters, the space hosted a farmer’s market through the night (featuring some cool local farmers and their vegetables and meats) and a large covered space occupied by a long table filled with wine and soon…food. The inspiration for each of the family-style served dishes was the farmers’ wares. Local beef, goat, and produce were combined to form some of the most delicious food I’ve had in a long time.

With the family-style seating and the cool evening air light by candles, the atmosphere itself was a big part of the enjoyment. I sat with some great people, who were complete strangers, but as the evening progressed we all got to know each other as we asked each other to pass a plate this way or to save us one last scoop of whatever amazing dish we were enjoying the most. Great food, great atmosphere, and great neighbors to dine with – what more could I ask for?

The photo for this article was a quick snap I took during one of the many full plates I went through. Goat short ribs, brussel sprouts, goat ragout over polenta, and broccoli rabe with homemade sausage. There were many other dishes, but I was so busy tasting them I often forgot to take photos.

If you’ve never heard of Jason Dady or Andrew Weissman, you should get to know them if you’re serious about food. Super approachable, fantastic chefs with a love of social media. If you ever go to Bin 555, I recommend sitting at the chef’s table and chatting while your dinner is prepared right before your eyes. I have yet to hit Andrew’s restaurants (Il Sogno and Sandbar), but they come highly recommended as well. Jason Dady is a really cool guy who will take the time to talk to you, know what you like, and not only serve you amazing food, but tell you about it – where it came from, what the inspiration for it was, and how it works on an almost scientific level. He knows his food and loves to share. I look forward to many more meals with him. Especially if he does more of these Pop-Up Farmer’s Market events – meeting the farmers that grew and raised the food I’m about to eat is an event unto itself.

Introducing Dave Taylor – Real Estate Agent and Retiree

Dave Taylor - San Antonio Real Estate Agent

Looking at Dave Taylor, you’ll quickly know he’s not old enough to be a retiree, unless you realize that he’s retired from the military. In addition to his recent retirement, Dave is also the newest member of the Kimberly Howell Properties team. After passing his real estate exam with flying colors, Dave will be joining the ranks as a real estate agent and helping San Antonio with their housing needs.

Dave’s no stranger to our office, also being married to Kimberly Howell…he’s been a huge help around the office, and he’s been an avid learner – questioning all of us about real estate theory, San Antonio neighborhoods, and new changes in the law, financing, and marketing. He’s going to make an excellent addition and I look forward to seeing you all get a chance to work with him.

So welcome Dave…and happy retirement!

PS I’ll be getting a full bio and photo up on the real estate agents section as soon as I can.

REALTOR® Luncheon at 10926 Geneva Vale

10926 Geneva Vale - San Antonio 78254 - The Hills of Shaenfield

Come tour this spacious single story home in Hills of Shaenfield today, March 27th from 11:30-1:00. Listed at $137,500, 10926 Geneva Vale, offers two living areas, two dining areas, and a fantastic island kitchen.

Stop by, enjoy some lunch and tour this great home for sale. While there, be sure to ask about our other listings and great things happening at Kimberly Howell Properties. Enjoy your lunch and we look forward to seeing you there!

Video Tour

Map of 10926 Geneva Vale


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Why work with a licensed real estate agent?

Jabberwocky - Fredericksburg, Texas

Lewis Carroll famously said, “If you don’t know where you are going, any road will get you there!” This is especially true for home buying. Personal due diligence in preparing an organized plan with a sound real estate agent will give you countless advantages as you navigate your way through the process. Why work with a licensed agent?

First and foremost, a real estate agent belongs to a professional society. This benefits you immeasurably. How? Once you have established an agency relationship, real estate experts are obligated to you by means of a fiduciary connection – an ethical association of confidence and trust for life. And through their professional connections, they have limitless resources to help you expeditiously locate the home that suits your needs. And through their professional experience, they can provide opportunities to obtain it at the right value and financing. They are also measured in the art of negotiation and have vast skill with the plethora of situations and their related forms. Most importantly, they will allow you to be ready when the opportunity arises. Too many people miss out on their dream property because they are not ready!

How can you prevent unpreparedness? Well, let’s take a look at some key points that can assist you. A contributing factor to readiness is financial preparation. You will have to understand your fiscal strengths and weaknesses. One way to do that is to obtain a pre-approval letter from a lender for the price range you qualify for. Agents have contacts with many lenders who can help you find the right loan to suit your needs.

What will lenders look at? In general, lenders traditionally look at several key factors. First, they will have to know how much cash you have access to and how readily available it is. Available cash will determine the loan type. They also look at current income and potential for income along with debt and credit history. These factors will help determine your loan to value ratio (LTV). Most lenders will allow 28% – 33% of income to be committed to a mortgage and no more than 36% – 41% combined with mortgage and credit debt.

Are you an existing homeowner? Can you own two homes at one time or do you need to make the deal contingent on selling your current home? If buying is dependent on selling your current home, you will have less leverage when negotiating for market value.

What if you can own two homes, should you buy first or sell first? Usually the best option is to put your home on the market and then start house hunting. The goal is to try and limit the time between the closings on selling your house and buying another. Your agent will be invaluable in assisting you with the options associated with this situation.

As you can see, we have just brushed the surface on several considerations that will assist with your preparations in purchasing a home. They ranged from establishing a fiduciary relationship to financing to selling and buying at the same time. Just remember, hope of getting lucky in finding a good deal is a method, but luck comes around a little more often when a “prepared buyer” works with a “real estate professional.”

image courtesy of Life Will Find A Way

Homeowner Association (HOA) Laws Changed in Texas

Texas Homeowners Association Law Changes

So how many of you have heard about the new laws regarding Texas Homeowners Associations (HOAs for short) effective the first of the year? Many of the changes were long overdue and most Texas homeowners will be happy for them. The changes now allow more freedoms when it comes to outdoor displays (flags, religious items) and installation of environmentally friendly systems (solar panels, rain barrels). The changes also make it harder for HOAs to foreclose on homeowners because of unpaid fees and allow for foreclosure protections for active military personnel.

Many of these changes came about after the press shed light on stories of HOAs making over-the-top, heavy-handed or arbitrary enforcement of their rules on homeowners. Recent examples in Texas are the Marine veteran in Houston who was sued by his HOA for flying the American flag, a Jewish couple who’s HOA threatened them with fines over their display of a mezuzah on their doorway, and a National Guard officer in Frisco who had his HOA foreclose on his home when he fell behind in his payments while deployed to Iraq. It’s amazing we have to regulate what many believe to be common sense, but we do–kind of like why HOAs exist in the first place—to protect the interests of a community in maintaining a high standard of living and home values. HOAs have become a basic reality of community life in Texas—especially in the Stone Oak area. However, HOAs often get a bad rap so let’s remember the benefits HOA’s provide to their communities.

First, HOAs provide homeowners a level of certainty their neighborhood will remain attractive over time. Residents don’t have to worry about their neighbor parking a boat, RV, or commercial vehicle for a lengthy period time outside their home. They also don’t have to worry about bad home paint jobs or overgrown lawns. The second good thing HOAs do is provide neighborhood recreational amenities such as a pool, tennis courts, a park or playground, and community centers many residents could not afford on their own. Finally, HOAs are beneficial in providing a variety of services to their communities, including maintenance on common areas and management of the recreational amenities.

No two HOAs are the same and many neighborhoods have more than one. They can be more or less restrictive, run by the property management company or the homeowners themselves. Whenever considering buying a home in a HOA community, read the HOA restrictions keeping in mind the rules imposed on your neighbors will also be imposed on you. Most importantly, know your rights.

image courtesy of Lars Ploughmann

First Time Homebuyer Tax Credit Lookup Tool

First Time Homebuyer Tax Credit Lookup Tool

The first time home buyer tax credit is bringing up a lot of questions of repayment this year, so the IRS took notice and has created a look up tool to assist buyers who received the tax credit in the past.

Home buyers thinking of selling or renting a home that they received the first time homebuyer tax credit on and those who bought homes in 2008 (and received the original tax credit which is repayable in fifteen annual installments) should gather their Social Security number, date of birth, and complete address before visiting the First Time Homebuyer Tax Credit Lookup Tool. If you file a joint return, you may only access your portion of the credit, so keep that in mind.

If you’d like more information on the Lookup Tool, please visit the IRS information page.

image courtesy of Muffet

Open House Luncheon – 203 Legend Dale

203 Legend Dale - San Antonio 78260 - Heights at Stone Oak

Come tour this immaculate listing in the Heights of Stone Oak. Listed at $250,000, this stylish single story, three bedroom, two bath home features gorgeous hardwood flooring, Jennair appliances, a tree filled backyard with deck, and much, much more. Today, March 13, 2012, stop by 203 Legend Dale between 11:30 and 1:30 and take the tour and have a bite to eat and a beverage. Open to agents, residents, interested buyers, and anyone with questions or curiosity about the real estate market in San Antonio.

King Ranch Chicken – A Texas Classic

King Ranch Chicken Casserole

On a cold, rainy day, there’s little to do and a certain need for warm, comfort food. King Ranch Chicken is the perfect dish for a day like today. In preparing to post this simple recipe from Chef Spellman, I did a little research to figure out some background history on King Ranch Chicken. Sadly, the story of this Tex-Mex dish seems to be lost in the fog of history. Often associated with the enormous King Ranch, most of my research pointed to the fact that this dish is not indeed named after the famed ranch. Homesick Texan (a great source of Texan recipes) instead points to King Ranch Chicken’s similarity to another famous casserole dish, Chicken a la King, and infers that the name may have come from the addition of some more Texas-prevalent spices and the addition of “Ranch” to make it more Texas friendly.

King Ranch Chicken

  • 1-2 lbs raw chicken breast or thigh, defrosted
  • 1 jar green chile or tomatillo salsa
  • 1/2 onion, diced
  • 1 can Rotel tomatoes
  • 1-2 diced jalepenos
  • 1 can cream of mushroom soup
  • 1 can cream of chicken soup (or second can of cream of mushroom)
  • 1 cup shredded cheddar cheese
  • 1 bag tortilla chips

Marinate raw chicken in salsa overnight. Cook on the stovetop until well done, then shred or dice. Preheat oven to 350 degrees.

Mix cooked chicken with remaining salsa, diced onion, jalepeno, can of tomatoes (drained), and cans of soup. In 11×17 baking dish, line the bottom of the pan with tortilla chips, then spread a layer of the chicken mixture over it. Sprinkle cheese and repeat. Cheese should be your top layer. Add extra cheese to the top so that it is mostly covered.

Bake at 350 for 45-60 minutes (or until top is just beginning to brown). Remove from oven (carefully) and let cool. Consider topping with sour cream.

This recipe may be adjusted to add many more of your favorites – corn, poblano peppers, bell peppers, fresh mushrooms, etc. Just add them in to the chicken mixture and make this recipe your own.

image courtesy of cote

Uncanny Home Staging Tips

Birdies Green - Staged

You’ve heard the old spiel about decluttering and removing family photos. But now it’s time to think outside the box for some new tips for getting your home set to sell.

Remove furniture: Not all of it, but if you’ve got a couch, loveseat, two chairs, and a whole entertainment center wall full of electronics, buyers may focus on all of the “stuff” and not feel how big the room really can be. You don’t want the room to be too empty, but as you start to pull pieces out, you’ll start to notice the space and not the stuff.

Rearrange: Let’s face it living and/or family rooms were designed to entertain, and for a large number of us, that means television. I’ve seen windows, fireplaces, and even kitchen pass-throughs covered up for the sake of arranging a room around the TV. But don’t forget that a buyer may not have your giant entertainment center, or they may actually enjoy sitting in a chair watching a fire in the fireplace. It may be a bit different than what you’re used to, but moving a few pieces around can accentuate your home’s features and could lead to a quicker sale. Just keep telling yourself that it’s only for a short while.

Cover Up: Just can’t bring yourself to organize that stack of paperwork on your kitchen table? Put it in a drawer. Just stained your rug? Put a chair over it. Have a closet overflowing with treasures? Put them in boxes and consider moving those boxes to a shed or the garage. Out of sight is out of mind. And that trick works for buyers too. If they don’t see the mess, they can’t dwell on it.

Label: If you have a room that you use differently than “intended” – say you have a workout room in one of the bedrooms or you’ve converted a breakfast area to your command work center, label it. Let buyers know that each space has potential to fit their specific needs – they don’t need to be locked into your usage. We once listed a house that had a giant room attached to the master bedroom. It had it’s own private entry, but the only way to get to it from the house was through the master bedroom. This perplexed many buyers, so we made a list of all of the possibilities – nursery, dance studio, workout room, man cave, conference room, his and hers masters, etc. Some of the ideas may have been a little non-traditional, but it started to give buyers ideas, and get their imaginations going. Feedback on showings improved dramatically and the home sold quickly thereafter.

Bring Life: I won’t go all Feng-Shui on you here, but it really is remarkable what a few plants can bring to a room. Even if they are fake plants, when they are present, there’s a new energy to the room. People start to notice the natural light from windows. They feel “homier” in the space.

Think Neutral: Let’s take a moment first to air our complaints about this one. Beige is boring. You’’re an individual and you have great taste. You want to pay tribute to your alma matter in every way. It took nineteen long hours to hang all of that floral wallpaper. We get it. We’re not discrediting any of that. We love that you love who you are and where you came from. But this is not about you. The more you can appeal to a mass audience, the better off you will be when selling your home. It’s a numbers game. The odds of finding someone who is looking for a burnt orange bedroom are much smaller than the odds that you will find someone who either 1) likes beige, 2)is too uninspired to come up with their own ideas, or 3) sees beige as a challenge waiting to be overcome. Think about it.

Give, Don’t Just Take: Decluttering is an amazing thing (that’s why you hear it mentioned so often). But you may end up taking some charm when you take away some things. Maybe building a headboard (plywood plus fabric and batting plus a staplegun equals done) can actually make that never used guest bedroom feel less like a prison cell. Or putting up nice neutral curtains can actually highlight the windows. Less is more, but sometimes a little more is actually more too.

Cheat a Little: Stick cookies in the oven to bake (on low so they don’t burn), light candles, spray air fresheners, etc. Leave snacks or bottles of water for buyers. Or even offer roses or candies on the table alongside your home’s flyer or information sheet. The smells will make the buyer feel at home. And most will appreciate the nice gesture of a practical gift, even if they don’t take it (I mean, who hates having cookies available to them?). Good smells or memories in a home can actually have an impact on the buyer’s frame of mind. Good becomes a word they may start to associate with your house. And we like that.

What happens if the buyer loses their job?

What if the buyer loses their job while buying a home?

Let’s play another fun game of Worst Case Scenario Survival: Real Estate Edition.

You’ve found it – the home of your dreams. It’s the perfect size for your family, in a great location, and the seller accepted your low offer. The stars are aligning and everything is moving smoothly. You fly through inspections and the finish line of closing is within sight up ahead. And then the boom comes – you’ve been fired from your job!

In addition to the instant panic of how to pay bills, sustain your family, and how you will find another job; you’ve also got this pesky real estate contract looming overhead. It is a legally binding contract, after all. What to do? Step 1: Notify your lender and your agent, as both can help guide you. Terms of the contract and your personal financial situation may vary and can change the outcome.

Best of the Worst: Look at your real estate contract. If you made the purchase subject to your ability to qualify for a loan, there will be a form included called “Third Party Financing Addendum for Credit Approval.”

Look at the number of days you had to provide notice to the seller about your ability to secure financing. If you are within that time frame, you’ve dodged a bullet. As that paragraph reads, you can give written notice to the seller of your inability to qualify for a loan (provided that this is actually the case – again, check with your lender). As long as you are within the time frame of that paragraph, and have met all other terms of the contract, you should be entitled to a refund of your earnest money. Will you get reimbursed for inspections, option fees, or your time? No, but with the return of earnest money, you stand to get back a large chunk of money we’re thinking you could use right about now.

Worst: If your contract is subject to financing, and you’re past the timeframe of the Third Party Financing Addendum for Credit Approval, the tides may have turned against you, my friend. Assuming that the seller isn’t themselves in default by any other term of the contract, you can ask the seller to release your earnest money, but chances are great that they will deny your request. After all, they’ve taken the home off the market for a while, spent money on repairs, possibly turned down other buyers, and possibly even have to worry about the security of their own future living arrangements. Your best solution in this case might be to notify the sellers as soon as possible and try and terminate the contract. Most will want the earnest money going to them (liquidated damages) and then you may part ways.

Worst of the Worst: Take the Worst case scenario above and then add in the truly possible legal ramifications. Technically, by not closing (even if it wasn’t really your fault or intention not to close), you could be considered to be in default of the contract. Paragraph 15 of the contract states that “Seller may [...] enforce specific performance [or] seek other such relief as may be provided by law…” This means potential lawsuits, court battles, financial penalties and more. There may be a clause in your contract which allows mediation before arbitration, but even that can be costly.

Remember, if you lose your job during a transaction:

DON’T hide a job loss or change from your agent and lender.

DON’T delay notification. Even if you are able to find a new job quickly, your loan will be affected and people will need to know.

DO read your contract.

DO pay attention to contract deadlines.

DON’T become unreasonable. No one intends for these things to happen, but each party may be suffering a different loss. Try to look at things from the other perspective and a middle ground can often be found.

DO work with an agent you can trust. They’ll be there to help guide you.

image courtesy of KellBailey

San Antonio real estate and property information provided by Kimberly Howell Properties. Kimberly Howell Properties does not assume any liability or responsibility for the operation or content of any of the linked resources, nor for any of the interpretations, comments, graphics, or opinions contained therein. All information deemed reliable, but not guaranteed. KJH Properties, Inc. is a licensed real estate brokerage in the State of Texas, Equal Opportunity Employer, and supporter of the Fair Housing Act.