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Jeremy & Stephanie Harley San Antonio Real Estate

In the Low 400's Lowest Price per sq/ft in the neighboorhood. Beautiful New Homes

Check out our new video featuring Mike Hollaway Custom Homes in the Sundance Community in North San Antonio near Boerne, TX. This home is priced to sell in the low 400's, and is the lowest priced per sq ft in the community. Mike Hollaway Custom Homes makes it a point to make their customer happy, and never compromises on building a quality built home. Homes in Sundance Community are situated on a half acre. Its location between Aquana Springs and The Dominion, makes this prime real estate. Quiet country feel is just minutes from the impressive shopping and dining experience The Rim has to offer. Easy access to the IH10 and 1604 make it an easy commute as well. Come check out all the features this community has to offer the homeowner.

Enjoy our video tour of the most recent built home in Sundance Ranch. It is a single story home over 3150 sq ft, with four bedrooms, and 3 baths. Please let us know if you have any questions. We are here to help. The Harley Team 210-683-2663 theharleyteam@gmail.com

Feel Free to check out our new website www.sanantonio-texashomes.com

What your lender needs to provide you your Pre-approval Letter

Here is a checklist of the necessary documents needed by your lender to provide you with a pre-approval letter for your home search.

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  • W-2's and complete tax returns for the last 2 years, and pay stubs for the last 30 days
  • 2 years corporate or partnership tax returns, if self-employed
  • 2 months statements for checking, savings, money market, stocks, and other liquid assets (all pages), plus documentation for any large, unidentified deposits
  • List of all current creditors, account numbers, balances and minimum payments
  • Landlords for last 12 months, addresses and phone numbers
  • Divorce decrees/child support agreements, (all pages) signed by judge
  • Certified settlement statement for all recently sold real estate
  • Proof free/clear ownership of any real estate owned and proof of taxes and insurance on all properties owned
  • Current annual letter for social security, retirement, or disability income
  • Recorded Bankruptcy papers and discharge, all pages
  • Veterans: DD214 and certificate of eligibility and proof of disability % is any
  • Current photo ID and social security card

If you need any help on getting started with your home search please contact The Harley Team to answer any of your questions. Customer service is our #1 Goal. What can we do for you?

The Harley Team 210-683-2663

Theharleyteam@gmail.com

Why do I need a Pre-Approval Letter?

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Don't Forget Your Pre-Approval Letter

Here are five reasons why getting a pre-approval letter is a good idea.

Most home buyers know they should get a mortgage pre-approval letter from a lender before they begin seriously shopping for a home. But the reasons for this advice aren't always clear, and buyers sometimes are dismayed by the amount of paperwork involved.

Here is some of the reasoning behind the advice:

1. A pre-approval letter is more reliable than a pre-qualification letter. Getting a pre-qualification letter is provided when you call a mortgage broker or lender, provide some basic financial information, then wait a few minutes for the letter to come through your fax machine. A pre-approval letter, on the other hand, involves verification of the information. Rather than taking your word on faith, the lender will ask for documentation to confirm your employment, the source of your down payment and other aspects of your financial circumstances. Granted, a pre-approval is more time-consuming (and possibly more stressful) than a pre-qualification The additional due diligence is exactly why the pre-approval carries more weight.

2. You'll know how much money you can qualify to borrow. Most home buyers have a rough idea of how much they would feel comfortable paying every month on their mortgage. However, other factors such as -- down payment percentage, mortgage insurance, property taxes, adjustable interest rates and so on -- are part of the calculation for the amount you can borrow. You might not be qualified to borrow as much as you think you should be able to borrow, depending on your income, your debts and your credit history.

3. You'll have more leverage in negotiations with the seller. Sellers often prefer to negotiate with pre-approved buyers because the sellers know such buyers are financially qualified to obtain the financing they need to close the transaction. A pre-approval letter is an especially favorable point in a close multiple offer situation. And, you might feel more confident about making an offer with a pre-approval letter in hand and the knowledge that you'll be able to obtain a mortgage.

4. Your real estate agent will work harder on your behalf. A pre-approval letter signals to your real estate agent that you're a well-qualified buyer who is serious about purchasing a home. The increased likelihood of a closed sale -- and a commission -- will naturally motivate your agent to devote more time and energy to you. In fact, some agents won't even show property to buyers who don't have a pre-approval letter.

5. A few caveats: Pre-approval letters aren't binding on the lender, are subject to an appraisal of the home you want to purchase and are time-sensitive. If your financial situation changes (e.g., you lose your job, lease a car or run up credit-card bills), interest rates rise or a specified expiration date passes, the lender will review your situation and recalculate your maximum mortgage amount accordingly.

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If you need help finding a lender to help you obtain a pre-approval letter to get your home search started, we can provide a list of proffessionals who have provided our clients with excellent service.

Thank you and Happy House Hunting!!!

The HARLEYS 210-683-2663 theharleyteam@gmail.com

Move in ready or pick your lot and customize your home to the fullest!!!

Final Homes Are NOW Selling!!!

Cibolo Canyons

Cibolo Canyons is a newly built area in North San Antonio just East of Stone Oak. It features an array of home builders, models, and price points.

All Cibolo Canyons homes are SAWS-Certified WaterSaver Homes. Dual flush toilets, high-efficiency showerheads, hot-water-on-demand, drought-tolerant landscaping and specialized irrigation controllers help save an estimated 60,000 gallons of water per year per home according to San Antonio Water System. Over 800 acres of Cibolo Canyons is dedicated to open space. The community’s environmental management is the most extensive in the state. At Cibolo Canyons, a new standard of green living has been established.

As a Cibolo Canyon’s homeowner, you’ll enjoy:

· Award-winning SAWS Watersaver Features in all homes

· Green Certified and Energy Star homes

· 15% impervious cover restrictions

· Strict Xeriscaping standards

· Over 900 acres of perpetually reserved open space

Ventanas: $250,000’s-$350,000+ Builders Newmark Homes, Highland Homes, Meritage Homes, & Imagine Homes

Vallitas: $290,000’s-$370,000+ Builders Newmark Homes, Highland Homes, Meritage Homes

Suenos $340,000’s-$500,000+ Builders Newmark Homes, Highland Homes

Campanas $350,000-$600,000+ The Builder Sitterle Homes has created these Tuscan-style architecture including tile roofs and stucco & stone exteriors. These homes are located on beautifully treed greenbelt lots.

Cielos $500,000’s-$800,000+ Builders Mike Hollaway, Dale Sauer, Kyle Lindsey, Don Craighead, Greenwood, Uptmore, Summit Built, Genesis, and Bridle Bit Custom Homes

Palacios $800,000-$1,300,000+ Builders Mike Hollaway, Dale Sauer, Kyle Lindsey, Don Craighead, Greenwood, Uptmore, Summit Built, Genesis, and Bridle Bit Custom Homes. The Camelback floor plan created by Mike Hollaway is available for purchase in the Palacios at Cibolo Canyon for the current sales price of $1,339,000. This home features all the bells and whistles. Its integration of indoor/outdoor living space sets the scene for your next get together. The model is fully furnished and decorated for your viewing pleasure.

The lots feature trees, privacy, and green restrictions and specifications for the location. Many of the wooded lots in the community overlook the expansive TPC JW Marriot San Antonio Hill Country Resort & Spa and its two championship TPC Golf Courses.

Homes in both the Cielos and Palacios at Cibolo Canyon in the highly acclaimed North East Independent School District (NEISD)...Cibolo Green Elementary, Tejeda Middle & Johnson High.

The Cielos & Palacios at Cibolo Canyons are incredibly convenient to great shopping & restaurants as well as local businesses, hospitals & top employers such as Valero, Tesoro, North Central Baptist Hospital, Methodist Hospital, UTSA, TPC JW Marriott, Washington Mutual & JP Morgan Chase.

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Whether you are ready to move in now or you want to pick your lot & customize your new home many options are available NOW!!!

The Harley Team @ ERA Troy, Realtors

210-683-2663

Wurzfest in New Braunfels, TX

New Braunfels, TX (30 min North of San Antonio) is hosting its annual Wurzfest from November 4th to November 13th. This is the 50th Anniversary for the festival! During this 10 day festival you will find a variety of entertainment, food, and fun on the Wurzfest grounds in Landa Park.

Hours- Wurzfest opens on weekdays at 5 pm and Saturdays and Sunday at 11 AM. Closing times will vary by day.

Admissions- The admission charge is $8 for adults at the gate, $6 in advance and group rates are available. This fee provides access to all entertainment areas, including the Wursthalle. Children 12 and under are admitted free.

Food And Drink- Food and drinks are sold throughout the grounds.

For more information and schedule of special events please visit www.wurzfest.com

We hope you and your family enjoy the festival, and would love to hear about your experience.

Have fun and be safe!!!

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the harley team

If you have any questions about other events held in the area, we would love to tell you about them. Just email us at theharleyteam@gmail.com or call Jeremy & Stephanie Harley "The Harley Team" at 210-683-2663