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Category: Financing

    Choosing a Mortgage Lender: 3 Key Factors to Consider

    By Jesse Rene Garza | October 18, 2023

    When it comes to buying a home, choosing the right mortgage lender is crucial. Your lender will play a significant role in your homebuying journey, from pre-approval to closing. Here are three essential factors to consider when selecting a mortgage lender: Interest Rates and Loan Programs: Start by comparing interest rates from different lenders. A... Read More

    Meet Robert Joseph Ott, Sales Manager & Creative Director, REALTOR® at Garza Home Team, RE/MAX North San Antonio

    By Jesse Rene Garza | October 6, 2023

    Are you searching for more than just a real estate agent? Meet Robert Joseph Ott, the embodiment of dedication, expertise, and passion in the world of San Antonio real estate. Hailing from the suburbs of Chicago and now a proud San Antonian since 1992, Robert brings a unique blend of Midwestern integrity and Texan warmth... Read More

    7 Steps to Prepare Your Finances for Homeownership

    By Jesse Rene Garza | October 4, 2023

    Welcome to the Garza Home Team blog at RE/MAX North San Antonio! If you’re considering homeownership, it’s essential to prepare your finances adequately. Owning a home is a significant financial responsibility, but with careful planning, you can set yourself up for success. In this blog post, we will walk you through seven important steps to... Read More

    The 10 Commandments of Buying a Home: A Guide to Financial Success

    By Jesse Rene Garza | September 28, 2023

    Are you ready to embark on the exciting journey of buying a home? Ensuring your financial records and actions are in order is crucial to qualify for the best mortgage rates available. At the Garza Home Team, we believe in setting you up for success by following the 10 commandments of buying a home. Let’s... Read More

    Financial Documents Needed to Secure a Home Loan: A Comprehensive Guide

    By Jesse Rene Garza | September 27, 2023

    When applying for a home loan, it’s crucial to provide your loan officer with the necessary documentation to kickstart the process smoothly. To ensure you’re prepared, here are the essential financial documents you’ll need to gather. Keep in mind that additional items may be required based on your specific loan application. Employment/Income: Pay stubs: Gather... Read More

    Understanding Earnest Money vs Option Money in Real Estate | Garza Home Team RE/MAX

    By Jesse Rene Garza | September 26, 2023

    Welcome to the Garza Home Team blog at RE/MAX North San Antonio! In today’s blog post, we’ll be discussing the difference between earnest money and option money when it comes to buying and selling real estate. When making an offer on a property, it’s common practice for buyers to provide earnest money as a show... Read More

    The Ultimate Timeline for Buying a Home: Tips from Garza Home Team at RE/MAX North San Antonio

    By Rosa Thelma Garza | September 19, 2023

    Buying a home can be a complicated process with many steps along the way. From saving for a down payment to closing on your new home, there are a lot of moving parts involved in the home buying process. One of the most important aspects of the home buying process is understanding the timeline for... Read More

    The Mortgage and Loan Process: A Step-by-Step Guide

    By Jesse Rene Garza | September 14, 2023

    When it comes to purchasing a home, understanding the mortgage and loan process is crucial. At the Garza Home Team, experienced REALTORS® at RE/MAX North San Antonio, we prioritize helping our buyers navigate this complex journey with confidence. We highly recommend that our buyers get pre-qualified before starting their home search. By doing so, you... Read More

    Signs You’re Ready to Buy a Home

    By Jesse Rene Garza | September 13, 2023

    Are you wondering if it’s the right time to buy a home? Making the decision to become a homeowner is a significant milestone in anyone’s life. It’s important to assess your readiness and consider various factors before taking the plunge. Here are some signs that indicate you’re ready to buy a home: Financial Stability: One... Read More

    What is a Home Appraisal

    By Rosa Thelma Garza | September 12, 2023

    Hola, and welcome to the Garza Home Team’s blog! I’m Rosa Thelma Garza, and I’m here to share some insights about one of the most important aspects of the home buying and selling process: home appraisals. If you’re in the process of buying or selling a home, you may have heard the term “home appraisal”... Read More


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