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We have some great San Antonio neighborhoods and areas to check out such as Inwood, Deerfield, Sonterra, Stone Oak, Summerglen, Sendero Ranch, Fossil Creek, Fossil Ridge, Alamo Ranch, Anagua Springs Ranch, Bella Vista, Bentley Manor, Blanco Bluffs, Blanco Woods, Blossom Park,Bluffview Estates, Bluffview Estates of Camino Real, Bluffview Greens, Boerne, Braun Station, Braun Heights, Brook Hollow, Bulverde, Canyon Lake, Castle Hills, Castroville, Canyon Oaks, Champion Springs, Churchill Estates, Cibolo Bluffs, Cielo Ridge, Clementson Ranch, Country Place, Coveney Ranch, Cordillera Ranch, Cross Mountain Ranch, Crownridge, Deer Hollow, The Dominion, Elm Creek, Emerald Forest, Encino Park, The Vineyard, Enclave at Vineyard, Estancia, Estates at Champions, FaIr Oaks Ranch, Fairways of Sonterra, Georgian Oaks, Gold Canyon, Greystone, Helotes, Hidden Forest, hill Country Village, Sonoma Ranch, Hollywood Park, Huebner Oaks, Hunters Creek, Hunters Creek North, Inwood Estates, Inwood Forest, Huntington Place, Inwood Place, Inverness, King William, Limestone Ranch, Los Reyes Canyons, Mission Ridge, Monte Vista, New Braunfels, Oak Hills, Park at Vista Del Norte, Park Forest, Parkwood, The Pinnacle, Hunters Chase, Pipe Creek,Promontory Pointe, Promontory heights, Redland Oaks,Redland Ranch, Renaissance at the Dominion, Retablo Ranch, River Crossing, River Oaks, Rogers Ranch, Roseheart, San Antonio Ranch, Scenic Oaks, Sedona, Shavano Creek, Shavano Park, Sonoma Ranch, Summerfield, Tapatio Springs, Terra Bella, Thousand Oaks, Timberwood Park, Trailwood, Turkey Point, Tuscany Heights, Vista del Norte, Whispering Oaks, Alamo Heights, and Schertz-Cibolo.

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Looking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.comLooking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.com! Looking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.com! Don't forget to ask us about our referral program!Looking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.com! Don't forget to ask us about our referral program!Looking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.com! Don't forget to ask us about our referral program!Looking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.com! Don't forget to ask us about our referral program! Looking for just the right home? Use our FREE Quick Search or Map Search to browse an up-to-date database. And Dr. Watson, just what is my home worth? Cherlock Homes will do a FREE analysis for you! email Cherlock at cher@HouseSanAntonio.com! Don't forget to ask us about our referral program!

 


WELCOME to HSA Real Estate LLC a dba of CKM House San Antonio Real Estate...we hope to be your "Cherlock Homes" of Real Estate...

 

Welcome to the premier resource for all real estate information and services in the area. We hope you enjoy your visit and explore everything our realty website has to offer, including San Antonio area real estate listings, information for homebuyers and sellers, and more About Us, your professional San Antonio area Realtors.

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use our Dream Home Finder form and we will conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. We would love to help you with a FREE Market Analysis. We will use comparable sold listings to help you determine the accurate market value of your home.


 

Texas Real Estate

No credit score? There’s a new automated home loan option for you

Not having enough credit history for a credit score doesn't necessarily mean you must go through a drawn-out manual underwriting process to get a home loan. If you have a history of making housing payments on time and references, you could benefit from a new automated process from Freddie Mac, a quasi-public agency that purchases mortgages.

Starting in June, borrowers without credit scores can see if they're eligible for purchase mortgages or no-cash-out refinance transactions on one-unit owner-occupied homes. Lenders will be able to use Freddie Mac's automated assessments to quickly approve your loan with greater confidence that Freddie Mac will purchase it. Loans will still be evaluated against Freddie Mac's credit requirements, but the automated process should allow lenders to more efficiently serve borrowers.

Don’t be fooled by these 3 selling myths

First-time sellers beware: there are lots of myths out there about the right way to sell your home. While your Texas REALTOR® is your first line of defense against making these mistakes, here are three common selling myths busted:

Myth: I bought a house, so I know what it's like to go through a real estate transaction. I'll sell my home on my own and save money by not using a real estate agent.
Truth: Texas REALTORS® don't work for free, but that's because they provide valuable assistance through the home-selling process. Selling isn't the same as buying, and a Texas REALTOR® can help you reduce your risk of making a costly selling mistake. Plus, they help clients with the ins and outs of property transactions every day and are plugged into your local housing market. If you DIY, that means you'll have to spend time marketing your home adequately, be available to show the home yourself, and navigate your way through a tricky transaction alone.

Myth: If I price my home higher than market value, I'm leaving room for negotiations.
Truth: Buyers have no idea you're employing this strategy and won't understand why your price is too high. Many won't even view your home, much less put in an offer. When your home is priced improperly, it's more likely to sit on the market, making potential buyers think there's something wrong it. When that happens, you'll probably wind up with lower offers than if you had priced the home fairly at the start.

Myth: All I need to do is mow the lawn and hide my stuff in a closet and my home will be ready to show.
Truth: Is a mowed lawn and hidden clutter all it takes to attract you to a home? It won't work for potential buyers of your property, either. Your Texas REALTOR® might go through your home with you and identify areas that could use some sprucing up to make your home more appealing. Or, he or she might recommend working with a home stager to make the best impression. Be open to those suggestions … your Texas REALTOR® knows what makes a property sell quickly for top dollar.

How to judge the energy efficiency of a house

Buyers often want to know what their utility bills for a property will be. The answer isn’t always straightforward.

The products and building techniques that determine a house’s energy efficiency may be hidden from view. However, there are ways to learn this information.

Ask questions

If the seller made energy improvements to the house—upgraded insulation, new windows, efficient appliances—he will brag about it. And it’s likely the listing agent will include that in the property’s marketing materials and descriptions. If you don’t see those types of improvements listed, here are some questions to ask the seller or his agent.

  • How much are the utility bills? Compare the costs to that of a similarly sized house.
  • What’s the R-value of the insulation? Many people won’t know the answer, but those who do will give you valuable information. Here are the recommended R-values for different regions of the country.
  • What do you know about the windows? For most of the Texas, you want windows with a Solar Heat Gain Coefficient of less than 0.25; the range is between 0 and 1, with the lower the better. If that information is not available, look for double glazing with inert gases between the panes, reflective tints, and low-E coatings that reflect heat.
  • Are the appliances Energy Star rated? Energy Star is a voluntary program of the Environmental Protection Agency, and products with an Energy Star label are more energy efficient than standard products.
  • Do you have the maintenance records for heating and cooling equipment? Heating and cooling equipment that is not properly maintained wastes energy.

Signs to look for

When walking through a property, do you see programmable thermostats? These devices let homeowners regulate heating and cooling based on need rather than at a set temperature, saving energy. Also, look for energy labels on appliances, which compare the product's approximate energy use to similar products. Just by glancing at the label, you can tell whether the appliance falls in the energy-efficient category or the not-so energy-efficient category.

Your Texas REALTOR® can help you communicate with the sellers and look for information about a property’s energy consumption. And be sure to discuss your energy-efficiency concerns with a home inspector, as he will examine the property’s systems.

Fran J. Donegan writes home- and garden-related content for The Home Depot, which carries a wide selection of energy-efficient insulation options, as well as numerous other publications. He's also the author of the books Pools and Spas and Paint Your Home.

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