Friday, December 16, 2016

San Antonio Home for Sale-411 Penstemon Trail - Rosa Thelma Garza REALTOR®

Just listed!!!

Amazing two story home in the lovely gated Stonewall Ranch. Open floor plan with high ceilings, Gourmet eating kitchen, double ovens, gas cooktop & breakfast bar. For more pictures, property features and description, please click on link

Wednesday, September 21, 2016

Wednesday, September 7, 2016

Wednesday, August 24, 2016

Sunday, August 7, 2016

Tuesday, May 10, 2016

Monday, May 9, 2016

Sunday, May 1, 2016

10 DIY Outdoor Swings That'll Make Warm Nights Even Better
7 Simple Ways To Ramp Up Productivity In Your Home Office
55+ People Who Took Their Backyard Fences To Another Level

Saturday, April 16, 2016

25 Indestructible plants.

Gardens: Alys Fowler’s top 25 indestructible plants

Wednesday, March 30, 2016

How One Barcelona Firm is Taking the City's Historic Housing to Stylish New Heights

How One Barcelona Firm is Taking the City's Historic Housing to Stylish New Heights

Apartments in the seaside Spanish city of Barcelona, especially those situated in the late-19th-century Eixample district, often come with desirable assets: double-height ceilings with fancy friezes; French doors leading to balconies; cement tile floor tiles embellished with a riot of colors and patterns.

What most don’t have is a layout suitable for modern life: Original kitchens tend to be minuscule (they were designed for the maid after all), and windowless bedrooms can make you feel like you are doing penance.

"The first thing we do is look at the light and the how we can alter the floor-plan to let more of it in," says Rubén Berenguer, one-third of Nook, a Barcelona studio that has become the go-to for (principally foreign) buyers looking to turn their fixer-uppers into homes as sunny as the city's weather.

The other two "Nook People" (as they call themselves) are Ann García and Joan Cortés. They work together in an old industrial loft in the Poblenou neighbourhood, which they converted into a spectacular co-working space with a freestanding volume in its center that serves as a meeting room.

Friday, March 25, 2016

45+ Fabulous ideas for spring decor on your balcony

45+ Fabulous ideas for spring decor on your balcony

Now that spring has sprung, its time to start thinking about ways to infuse spring style into your outdoor balcony, through updating and refreshing to give it a whole new look! Just like your interior spaces, your balcony can benefit from a seasonal spruce up by re-arranging your furnishings and adding some new accessories. If you are looking for just a quick fix, you can add a planter, some small pots, a lantern or other outdoor decor items to you space. You may want to consider an area rug and since it is springtime, you may want to infuse some bright pops of color with stripes or graphic prints. A watering can left on a side table or on the ground can be multi-purpose, there when you need it to water your plants and used as a cute decorative accent. Other great amenities to add to your springtime balcony, a small barbecue, a tabletop fireplace—check Target for a nice selection—an oil lamp, or even a fire bowl (if you are in an apartment you may want to check your lease or first). A big change would encompass adding some brand new outdoor furniture pieces to your space or hang some string lights to create a serene oasis that will look great at night!
If your balcony is not spring ready, than have a look below for some beautiful and inspiring ideas that we have gathered together for you that we hope you will find useful. If you want more outdoor inspiration on 1 Kindesign, then have a look here. Enjoy!

Friday, March 18, 2016

5 Reasons You Need to Know Your Credit Score

5 Reasons You Need to Know Your Credit Score

Do you know your credit score? Credit affects more aspects of your financial life than you may realize -- the ability to buy a home or car, get a credit card, rent an apartment, or even get a job can be affected by your credit score. To help you better understand the importance of credit scores, Odysseas Papadimitriou, CEO and Founder of personal finance website WalletHub shared five important reasons why you should know yours.
Better interest rates on loansThe most obvious reason it's important to know your credit score is because your score determines your ability to qualify for loans and to get better interest rates when borrowing.
If you know your credit score, a little research can let you know how much you should pay in interest on a loan before you apply. For example, according to recent data, a consumer with a credit score of 720 can expect an interest rate of around 3.56% on a $250,000 30-year mortgage. So if you know your score is a 720 and a bank offers you a rate of 4%, you'll know to keep looking.

Thursday, March 10, 2016

15 Quick and Easy Ways to Revamp Your Home Decor in 24 Hours

15 Quick and Easy Ways to Revamp Your Home Decor in 24 Hours

Retire the drapes and let more light into your home. Sheers come in color too and you can dress up the windows while obstructing as little light as possible.

Bring New Seating Inside and Out

Saturday, March 5, 2016

15 ways to improve your finances in a week

15 ways to improve your finances in a week

A financial tune-up doesn't have to be a daunting process. It doesn't require a financial planner or MBA — it doesn't even have to take up much of your time.
There are several actions you can take starting today that will improve your finances and set you up for future success.
We rounded up 15 simple strategies that won't take long — and that you can complete over the course of a week — but can make all the difference with your money.

15 ways to improve your finances in a week

15 ways to improve your finances in a week

Thursday, March 3, 2016

Here's The Most Expensive Zip Code in Every State

Here's The Most Expensive Zip Code in Every State

Ask a real estate agent what the biggest factor in determining a property's value is and they won't even have to think to tell you "location, location, location." The most expensive zip codes offer high-value homes with desirable features like a large amount of square footage, waterfront views and luxury add-ons.


To find the most expensive neighborhoods in each state, GOBankingRates surveyed median home value data from Zillow for hundreds of zip codes in all 50 states. This ranking lists the most expensive zip code in each state from the cheapest to the most expensive. Click through to see where most of the highest-valued properties are in your state.


4 Easy Ways to Invest in Real Estate If You're Not Donald Trump

4 Easy Ways to Invest in Real Estate If You're Not Donald Trump

No, you don't have to be The Donald to make good money investing in real estate -- but if you're not throwing around billions of dollars, don't expect to blazon your name on any high-rises, either.

Aside from the malls, office buildings, or ultraluxe residences preferred by the 1% of the 1%, there are plenty of opportunities that are more realistic for the rest of us. Here's a look at some of the most common options for a rookie to invest in real estate, along with the pros and cons of each.

1. Vacation homes

Thursday, February 11, 2016

Buying a Home with YOUR San Antonio REALTOR Rosa Thelma Garza

Selling your Home with YOUR San Antonio REALTOR Rosa Thelma Garza

4 Cleaning Solutions You Never Heard Of

4 Cleaning Solutions You Never Heard Of

As we become more and more aware about the effects of household chemicals on our health and on the environment, it is becoming easier than ever to find alternatives to using store-bought cleaning supplies. Most of the commercially produced products contain chemicals like ammonia and bleach, and even though they clean well they can damage the nervous and respiratory systems and be harmful to both your family and your pets.

With a few simple ingredients and a little time, you can make your own cleaning supplies that not only reduce the number of toxic substances in your home but will even save you money.

Most of the non-toxic cleaning supplies use the same basic ingredients such as castile soap, white vinegar, baking soda and essential oils. For baking soda and vinegar, consider stocking up on larger sizes of these items from either a restaurant supply store or a warehouse store — not only is it more economical, but once you start making your cleaners at home, you will want to be able to refill your supply easily.

1. Granite Cleaner

  • 1/4 cup of rubbing alcohol
  • 3 drops of castile soap
  • 1 cup water
  • 5-10 drops of essential oils (for scent)
  • Put the rubbing alcohol into a 16 oz spray bottle. Add the soap, essential oil and water. Shake to combine.

2. Toilet Bowl Cleaner

  • 1/2 - 3/4 cup baking soda
  • 8 - 10 drops tea-tree or melaleuca essential oil
  • 1/2 - 3/4 cup distilled white vinegar
  • Pour the baking soda directly into the toilet bowl, then add oil, then vinegar. Let sit for 10 minutes and scrub with toilet brush.

3. Soft Scrub

  • Make this in small batches and store in an airtight container so that it does not dry out between uses.
  • 3/4 cup baking soda
  • 1/4 cup castile soap
  • 1 tablespoon water
  • Combine the baking soda and soap. Add the water and stir to make a paste-like consistency. Use a sponge to scoop out the scrub and use to clean tile, sinks and other hard surfaces.

4. Oven Cleaner

  • 1 1/2 cup baking soda
  • 1/2 cup sea salt
  • 1/2 cup washing soda
  • Filtered water (to make a thin paste)
  • 1/2 cup white vinegar
  • 10 drops melaleuca oil
  • Preheat your oven to the lowest temperature possible and then turn it off.
  • Mix baking soda, sea salt, and washing soda in a small bowl. Add melaleuca oil then add vinegar to the mixture — it will fizz a little. Slowly add water until you have a thin enough paste to spread in your oven. Leave the paste in the oven overnight and wipe it out in the morning.

With a few ingredients and a little ingenuity, it is inexpensive and easy to make at home a non-toxic version of these common (and most chemical-laden) cleaning products.

Wednesday, February 10, 2016

What People Say About Your Home When You're Not There

What People Say About Your Home When You're Not There

If you're putting your home on market, you're probably dying to know what home buyers will have to say as they tour your property. While you hope there'll be nothing but oohs and aahs, that's not always the case.

Just so you know what potential buyers are really thinking when you're not there, we asked Realtors to reveal some of the most noteworthy -- and cringeworthy -- statements they've overheard as potential buyers inspect the goods. Wince, take note, and act accordingly.

'What's that smell?'

When Heather Witt Leikin, a real estate adviser at The Partners Trust, was asked about a home's odor recently during a tour, she had what she thought was a logical answer: The smell was of carpet cleaner, because the owners had just cleaned the rugs for the showings. Sure they looked nice, but the smell was harsh, nasty even -- so much so that the buyer said, "I could never live here" and scrammed. Odious odors, by far, top the list of things home buyers comment on. Here are some of their favorite things to say:

Saturday, February 6, 2016

How much house can you afford? Two easy ways to tell.

How much house can you afford? Two easy ways to tell.

Buying your first home is an exciting process, but it’s not just about finding the features you want. If you’re like most people, price plays a major role in your decision. After all, even if you feel confident that you can afford a property, you’ll still have to convince a lender.
All lenders have unique lending guidelines, but they usually include some of the same key benchmarks. Here are two metrics they’ll use to decide how large a loan to issue you:

Top 5 Mistakes of Mortgage Shoppers

Top 5 Mistakes of Mortgage Shoppers


Mortgage shopping can be an overwhelming experience for first-time homebuyers, and is not a walk in the park even for the experienced buyer. As you go through the mortgage shopping process, consider these top five errors that can trip up any homebuyer:


1. Not Paying Attention to Your Credit Rating – A poor credit score can result in a higher interest rate, or perhaps not qualifying for a loan at all. Check your credit well before you begin mortgage shopping to allow time for you to fix any errors or repair your credit.

You are able to get one free credit report each year from each of the reporting agencies (Equifax, Experian, and TransUnion). Check the report for any errors or false accounts that could be damaging your credit. However, the free reports do not give


It’s Finally Getting Easier to Get The Best Kind of Mortgage

It’s Finally Getting Easier to Get The Best Kind of Mortgage


That means cheaper rates

It’s no secret millions of millennials and Gen Xers are having trouble buying homes. But here’s some good news on that front: It just a got a little easier for these and other buyers to qualify for so-called prime mortgages, loans that go to the highest quality borrowers.

Wednesday, February 3, 2016

Millennials wanted in the housing industry

Millennials wanted in the housing industry

Housing market experts predict a rising number of millennials will buy homes in the coming years as their careers stabilize and more of them begin to marry and start a family.

Yet, according to the National Association of Realtors, the median age of its members is 57. The average age of a loan officer is 54, according to Mortgage Professional America, a news outlet that covers the mortgage and finance industry.


Six important things to know about the 2016 housing market

Six important things to know about the 2016 housing market

Buying a home is still part of the American dream.

According to a survey from Trulia, 75% of Americans dream of owning a home, up 1% from 2015. This dream is even more pressing among Millennials because 80% of those surveyed would like to buy a home — and 31% would like to do so by 2018.

Whether you're looking to buy a home this year or already own one, there are important factors that will affect your investment. Here are the six important things you need to know about the housing market in 2016.

Saturday, January 30, 2016

10 Tips for Home Buying and Selling

10 Tips for Home Buying and Selling

Buyers: Edge Out the Competition

Establish a price range. Use Redfin’s home-affordability calculator. This home buying tool considers not only your income and down payment but also total recurring monthly payments such as car payments, student loans, and credit card minimum payments.

Clean up your credit. If your credit reports are accurate, the home buying process is likely to go more smoothly. Read “Are Mortgages Now Harder or Easier to Get?" for more for information.

Get preapproved. Usually, that means a mortgage lender has checked your credit reports and determined how much it could lend you. It’s one step better than prequalification, in which a lender just gives you an idea of what you can afford. Lenders use different terminology, though, so make sure you ask for clarification. For instance, EverBank, based in Jacksonville, Fla., uses the term “preapproval” for what other banks define as prequalification. And what most banks call a “pre­approval,” EverBank terms a “credit only approval.”

Online Home Buying in 4 Simple Steps

Online Home Buying in 4 Simple Steps

Buying a home is probably the most important transaction you'll make in your lifetime. It requires bravery, patience and a little bit of luck. But new online tools make home buying easier and more convenient than ever before, bringing much-needed transparency to a complicated process. Below are the four basic steps to purchasing a home (almost) completely online.

1. Research, Research, Research
This is a crucial first step that a surprising number of home buyers ignore, mainly because they get emotionally attached after seeing a house they "just have to have". Our recommendation: Don't even look at houses when starting your home buying research. First, figure out how much house you'll need.

Start by considering your lifestyle. Do you entertain a lot? Will you need significant space for your hobbies, like a painting studio or a woodshop? Do you have a stable of cars, motorcycles or other recreational vehicles? Do you prefer the country life, or are you a city dweller at heart?

Home of the Week- 12830 Lone Star Leaf- The Beamer Rosa Thelma Garza YOU...

Thursday, January 28, 2016

New home sales beat expectations, rise 10.8%

New home sales beat expectations, rise 10.8%

New home sales kept pace with previous strong economic housing news this month, except its rise isn’t conditional on TRID.

Sales of new single-family houses in December came in at a seasonally adjusted annual rate of 544,000, surpassing analyst expectations, according to the latest data from the U.S. Census Bureau and the Department of Housing and Urban Development.

So You Wanna Sell Your Home? Step 4: Pretty It Up

So You Wanna Sell Your Home? Step 4: Pretty It Up

Once you've made repairs, chosen a Realtor, and decided on an asking price, your home is almost ready for market -- but first, how about a little primping and polishing? Or maybe a lot of primping and polishing. After all, you want your home to make a great first impression on buyers -- and that's where this fourth installment of our weekly, step-by-step 2016 Home-Selling Guide can help. To show your home in the best possible light, heed these savvy seller tips.

Stash your stuff

When you're just living in your home, a bit of clutter is business as usual. You know the drill: video game cartridges in the bathroom, toolbox in the kitchen, tuxedo shirt inexplicably in the garage. But when you're trying to sell, all this disorder can be deadly. That's because clutter can

12 Sneaky Ways to Save Money on Your Water Bill

12 Sneaky Ways to Save Money on Your Water Bill


Replace Those Guzzlers

A lower water bill starts with newer, more efficient appliances. When shopping for new washers, pay close attention to the labels that indicate the efficiency of the machine. Look specifically for the WaterSense and Energy Star seals, which indicate that the machine runs on 35% to 50% less water and 50% less energy per load. Consider purchasing a front-loading washer, which uses substantially less water than a top-loading model.


Home of the Week from Rosa Thelma Garza YOUR San Antonio REALTOR

Home of the week from Rosa Thelma Garza YOUR San Antonio REALTOR

Home of the Week from Rosa Thelma Garza YOUR San Antonio REALTOR

Wednesday, January 27, 2016

5 Things to Know About Buying a Home in 2016

5 Things to Know About Buying a Home in 2016

The new year looks like it's shaping up to provide first-time buyers with the opportunity to enter into the housing market. Interest rates are still hovering around record lows, so there's some time left to snag a great deal. If you're planning on taking the plunge into homeownership in 2016, here are some key points to keep in the back of your mind before you begin the process.

Forbes: San Antonio ranks high as 'America's cities of the future'

Forbes: San Antonio ranks high as 'America's cities of the future'

Debt collectors beware: Judge's ruling could change the game

Debt collectors beware: Judge's ruling could change the game

HAWTHORNE, N.J. (AP) — Ever had a debt collector on your back for money you knew you didn't owe? Listen to the story of Steven Psaros and take heart.

The Great Recession forced Psaros into foreclosure on the house he had bought in this northern New Jersey town in 1999.

Then, another blow. A debt collector demanded about $11,000 in homeowners' insurance, money Psaros claimed he didn't owe under terms of a mortgage refinance signed several years earlier.
He fought back in court and, in a ruling that could change how law firms handle debt collection, a federal judge held last month that the firm representing the debt collector could be liable for damages even if it didn't know its client was relying on incorrect information.

Should you refinance your mortgage?

Should You Refinance Your Mortgage?

Dear Carrie,
I'm thinking of refinancing my mortgage since I know interest rates are going up. Does it still make sense or have I missed the boat?

--A Reader
Dear Reader,
Rising short-term interest rates are on a lot of people's minds these days. For savers, it's a plus, but borrowers--especially those with credit card balances--may see their payments creep up over time. However, for homeowners with a mortgage, it's a slightly different story.

Sunday, January 24, 2016

Buying or Selling a Home?

7 Ways Being Debt Free Can Hurt You

Owing money to banks and credit card companies is usually a guaranteed way of never achieving the financial freedom you want. But there are cases when taking on some debt can be useful, especially as part of a long-term plan. Here are seven times when eschewing debt can be a bad financial move:

1. Market Returns May Be Higher Than Interest Rates

Thursday, January 21, 2016

Finally a homeowner

Buying a house is tough. Coming up with enough money is a major issue, and once you do, it’s still way more complicated than you would expect. Around here, we call the number of steps needed to buy a home “the real estate monster.” We’re used to seamless, integrated and delightful products and services. The way housing works is neither seamless nor integrated — let alone delightful.


Part of the reason it’s tough is that for many of us, it’s the first time we’ve ever done a transaction like this. That newness in itself can be daunting. Paired with that are a number of confusing steps and many, many pieces of complex paperwork. In the end, this doesn’t make for an enjoyable process.


Let’s take a closer look at some of the parts of the process

Wednesday, January 20, 2016

Always good to remodel.

When Alec and Jennifer Harmes spent $264,900 for their first home in 2011—a 1,500-square-foot ranch fixer-­upper in Austin, Texas—they assumed they would be living there for many years. So the couple, millennials in their early 30s, embarked on a series of home improvements to make it suit their tastes and needs. They refinished the kitchen cabinets, and installed new stainless-steel...

Saturday, January 16, 2016

Home of the Week from Rosa Thelma Garza YOUR San Antonio REALTOR

7 steps to take today if you want to buy a home this year

Buying a home and obtaining a mortgage are no easy tasks. You need to have your finances in good order if you hope to get approved for a loan to buy a home.

If you want to buy a house in 2016, here are several New Year’s resolutions to follow through on that can help make you a better homebuyer.

Why the Housing Market Is Ready for a Resurgence

Much is written regarding the housing market, its recovery and the part Millennials may or may not play in the story. Right now, we're in a strange place for many people when it comes to the housing market -- especially the mortgage side of things.

As the President of a Midwestern, mid-sized mortgage lender I have a good point of view for middle America and average American home buyers. I see pent-up demand, rising rent, still-low interest rates and increasing home values as the formula for some great years ahead in the housing market. Let's take a look at these four factors, and how they affect the revitalization of the housing market.

Thursday, January 14, 2016

29% rise in housing market activity

A new report from Connells Survey & Valuation has revealed that total activity in the UK housing market grew by more than a quarter during 2015.

The total number of housing valuations carried out in December 2015 was 29% higher than in December 2014.

Is This The House That Will Turn Millennials Into Homeowners?

If you were born after 1980, there's a pretty good chance you don't own a house. Thanks in part to massive student loans and difficulty finding jobs after graduation, almost half of men ages 18 to 34 (and over a third of women, a record number) still live with their parents.

Others rent. And while it's true that some millennials would rather live in the city than the burbs, some do want to houses. So one Las Vegas builder is trying to figure out how to design a house they'll actually be interested in buying—and actually be able to pay for.

Monday, January 11, 2016

9 Little Things You Can Do to Help Sell Your House

10 Simple Home Staging Tips Every Seller Should Know

Luxury Real Estate Trends in L.A. Are All About the Wow Factor

Luxury real-estate trends in Los Angeles are like sequels to blockbuster action movies: Everything is bigger, more high-tech, and most definitely over the top. “What people are trying to do now is separate themselves from the rest and put something in their home that no one else has,” says Million Dollar Listing Los Angeles star James Harris on behalf of Trulia. “Developers want to stand out,” he adds, so putting in out-there amenities is a smart way to get spec houses noticed in a sea of otherwise similar homes. Perhaps the most extreme example of one-upmanship among developers is the $500 million spec mansion currently under construction in Bel Air. The 100,000-square-foot home will have a 6,000-square-foot master suite, plus a jellyfish room and an ice room, which are exactly what they sound like.

Luxury condominium tower for sale following foreclosure

If you’re looking for a deal on a 14-story luxury condominium building, today you are in luck.

The Regency Tower, located at 6600 Seminary Woods Place off Brownsboro Road, is up for sale after being foreclosed upon in 2013, according to a news release. No asking price has been disclosed.

Sunday, January 10, 2016

What to do if you win the Powerball jackpot: 9-step plan to handling your money

While these big paydays have spawned numerous rags-to-riches stories over the years, they have also spelled disaster for some. Not only do most winners have to deal with people coming out of the woodwork looking for a handout, but there's also bankruptcy, murder, robbery, drug abuse and legal troubles in many cases. In fact, according to the Certified Financial Planner Board of Standards, nearly one-third of all lottery winners go bankrupt.

Here’s how much money you actually get if you win the $900 million Powerball

Everyone's buzzing to see if one lucky person will claim the $900 million Powerball lottery winnings. But while pondering how you could spend the cash can be fun, you may want to take your daydreaming down an ever-so-slight notch.

According to USA Mega, the take-home cash total for a $900 million Powerball is actually $558 million, or 62% of the total pool.

Saturday, January 9, 2016

3 reasons not to pay off your mortgage

Nobody wants to pay a mortgage any longer than necessary. It's a bit unsettling to have an enormous debt looming over you for years on end, racking up interest. You may even be tempted to pay off your mortgage early if you're fortunate enough to have the cash lying around.

However, paying off a mortgage early isn't always the smartest decision, and there's a reason mortgages are referred to as "good debt." So if you're thinking of paying off your mortgage early, here are three reasons to reconsider.

10 Home Decor Trends That Will Be Huge In 2016

Using Roth IRA earnings for a first-time home purchase

Dear Liz: My 29-year-old son recently married, and as a gift I pledged $20,000 as a down payment on a house. My daughter-in-law is beginning a career as a registered nurse and I know they will not be buying for a few years. Is there any type of account that will grow tax-free or tax-deferred for a first-time buyer? Maybe I could gift this money to them into a retirement account for the time being?

Answer: You may be able to give them enough money to fund Roth IRA accounts for both 2015 and 2016. They would be able to withdraw those contributions tax- and penalty-free at any time in the future for whatever purpose they wanted.