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Buyer/Seller Info

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.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, Con 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, G, 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.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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Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property only transfers to the land contract buyer on fulfillment of the land contract obligations.

A land contract can be helpful for those who need time to establish or improve their credit rating. There are only small closing costs, and payment can help establish a good mortgage payment record. This can help establish an overall good credit rating, and it is possible for the buyer to later refinance the land contract with a conforming loan.

On the other hand, there are risks associated with land contracts. Land contract purchases are not necessarily recorded in the public record, and there are no guarantees that the seller will be able to transfer a clear title to the buyer upon fulfillment of the land contract. There also is no lender assuring that the purchase price for the property is justified, and no inspection of the property’s condition.

Another alternative to a non-conforming loan is assuming the seller’s mortgage. By assuming a mortgage, if the mortgage is assumable, it is possible to save on closing costs, and may allow you to obtain a favorable interest rate.

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