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Jeffrey P. Dillingham
(Team Leader/Broker/REALTOR®)
Jeff@DandTRealty.com
210.504.4800

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Featured Blog

Memo: Bexar County Manager directed employees to receive absolution

24 February 2020, 8:05 pm

Editor’s note: This story is part of a partnership between the San Antonio Business Journal and KSAT. In a memo recently uncovered by the KSAT 12 Def...

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Credit card debt exceeds emergency savings for many

24 February 2020, 8:05 pm

Editor’s note: This story is part of a partnership between the San Antonio Business Journal and KSAT. America’s plastic habit is showing. Nearly thr...

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Wells Fargo agrees to $3B settlement for sales practice scandal

24 February 2020, 3:46 pm

Wells Fargo & Co. (NYSE: WFC) has agreed to pay $3 billion in a settlement reached with the United States Department of Justice and U.S. Securitie...

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UT plans $60M training facility for Longhorn basketball, rowing

24 February 2020, 3:14 pm

The University of Texas' new basketball arena isn't the only major sports facility in the works on campus. University of Texas System regents are con...

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How businesses can weigh in on clean energy program

24 February 2020, 12:45 pm

San Antonio City Council has taken the next step toward approving a clean energy lending program and is now asking the public to give feedback on the ...

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Jeffrey P. Dillingham (Team Leader/Broker/REALTOR®)
Jeff@DandTRealty.com
210.504.4800

Respected & Multi-Award Winning Services

Home Buyer(s) - Whether you are searching for a home via conventional needs (Cash or Mortgage) or an investor looking to expand your portfolio, let our award winning services guide you in the right direction. Click the link below for a search.

Alternative Financing - Unable to get traditional financing or tired of renting? Check out our owner financing and Creative Financing programs!

Home Seller(s) - Looking to upgrade? Downsize? or wanting to build your dream home? contact us for a free home evaluation. Trusted & Reviewed - with an "A" Rating on Angie's List and numerous happy client testimonials.

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Benefits of Owner Financing for Sellers

Benefits of Owner Financing for Sellers

If you own property that you’ve been trying to sell but need to transfer ownership of it fairly quickly, selling it with owner financing may work well for you. My Home SA can help you set up the arrangement so that you can sell your home quickly and effectively to a motivated buyer. There are numerous benefits to setting up an owner financing arrangement, including, but not limited to, the following:

Monthly Income
When you decide to offer your home with owner financing, typically you gain access to a monthly mortgage payment from the buyer, instead of a full lump sum for the house at one time. This income can then become part of your ongoing income, helping increase your overall budget and turning your house into a liquid asset.

Faster Sale
If you want to sell your home more quickly, owner financing may be the way to go. Often this type of sale can attract more motivated buyers who are willing to purchase a property that may have some minor flaws, and they may be willing to pay a higher price for it. When you need to get your home sold and move on, quickly, owner financing can be a great way to do so and My Home SA can assist you through the process.

Sell Property “As Is”
It can be difficult to sell an older home without renovations or to sell a home that needs some upgrades or that isn’t perfect. However, offering a house with owner financing may mean that you can obtain a buyer, even if the home itself is less than perfect. This means that if you still need to paint, redo carpeting, or make other small repairs and it’s been holding you up as you prepare to sell your home, it may be time to move ahead with the process.

Instead of waiting until you have time to handle all of the remodeling that you’d like to be able to do, work with a company that will help you sell it with owner financing, instead. You’ll gain freedom and liquid cash, and the buyer will gain access to a home that they can fix up just the way that they’d like. It winds up being a win-win situation for everyone involved.

When you own property that you need to get onto the market and sold, but you’d like to do so quickly and effectively, owner financing is often the best way to go. If this is an option for you and you’d like help setting up the sale and finding a motivated buyer, contact My Home SA to learn more about the process. We’ll help you get started with all of the necessary paperwork so that you can get your home on the market and move on to the next phase of your life.

How to Get a Custom Home Built in San Antonio, TX

How to Get a Custom Home Built in San Antonio, TX

Moving to a new part of the country can be tricky when none of the houses in the area have what you want for your family. Instead of finding a home where your family can move into quietly, you’re stuck with a situation where your family is forcing itself to fit into a living space that’s too small, too old, missing modern features, and other potential problems.

While some real estate services would recommend you keep looking until you find a house that’s good enough, there is a more comfortable option. At Dillingham & Toone Real Estate, we recognize these cases as the time for someone to planning a custom home be built in the area. Having a custom-built home has benefits for the house owner.

When you have a custom home built, you have far more control over the individual elements of the house. For example, buyers can choose more eco-friendly materials when manufacturing their house. This makes the home better suited for the changes in the environment that San Antonio experiences throughout the year.

To get started with a custom home, buyers need to look for local contractors that can handle designing and building a custom structure. At Dillingham and Toone, our agents will help you determine the best builder to fit your family’s needs, as well as help you decipher the builder’s contracts.  When it comes to contracts, we always recommend having an attorney review the contracts. Building contracts can be complicated, and our agents are not allowed to give legal advice or change the conditions of a contract.

Having a custom home built requires the buyer to search for a spot with ample land to cover the construction. This is another place where our agents can help. Our agents will communicate with the builder to ensure the property that is purchased, if needed, will accommodate the floor plans you’ve selected. Some builders will have lots available to buy with the new build, and others will build on the property you choose.  We will also help coordinate financing if needed.

While the home is being constructed, there are many decisions about the style and color that need to be considered. Deciding on what tile to choose, colors of countertops, paint, lighting, and all the other details can be exhausting, but your Dillingham & Toone agent can be an extra set of eyes for you. Their guidance will ensure you have all the choices made and that your options create a solidify your design choices.

During the construction of the home, there will be multiple chances took over the building process at various stages. Since many custom homeowners don’t know what to check for during this process, your Dillingham & Toone agent can help during the different steps to ensure the construction is on time and that the builder is meeting your needs.

Dillingham & Toone is here to help eliminate some of the stress of building a custom home.  We are knowledgeable in the custom build process and will communicate with the builder on your behalf.

If you’re interested in getting a custom home built in San Antonio, contact us for more information today at 210-504-4800 or send us a message online using the form on our custom home page.

Home Seller Tips

Home Seller Tips

Selling your home isn’t the simplest task, but with the right help, it doesn’t have to be the most difficult thing you’ve ever done, either. There are numerous ways that you can make the process easier, including working with a skilled real estate agent. When it’s time to consider listing your house, consider utilizing these tips to make the process as simple as possible:

Focus on Curb Appeal: The first impression a potential buyer will have of your home is when they initially park and see it from the curb or the driveway, so it’s important to make sure that the house looks appealing on the outside as well as the inside. This means that you’ll need to keep the lawn maintained, keep weeds to a minimum, and make sure that the exterior paint and trim are in good condition. If it’s near a holiday, put up small, seasonally appropriate decorations. Be sure that the house numbers can be clearly seen from the street and that there is no clutter in the yard, driveway, or on your porch. Keep the front area of your home well lit, as well, so that it’s easy for potential buyers to see.

Deep Clean: Spend some time going through your house and cleaning it as thoroughly as possible. Make sure to change the air filters in your HVAC system, clean the baseboards, and have the carpets shampooed. If you lack the time or physical capability to clean the building in this manner, it may be time to reach out for professional help. A skilled cleaning company can assist you as you get your home ready to sell. These agencies can help carry out the tasks that you may not have time to manage so that the home can look it’s absolute best when you put it on the market.

Remove Clutter:  As you prepare to sell your house, spend some time removing clutter, photos, and personal belongings. Set your house up with neutral yet attractive items so that it has a pleasant appearance, but individuals who are interested in purchasing it can walk through and picture their family in the home. If you need help with this process, ask your real estate agent for their best tips about staging a house.

Handle Small Repairs: Spend some time going through the house and making a list of small repairs that need to be completed. If you’re consistently bothered by a squeaky hinge, a broken light switch plate, or a loose floorboard, spend a weekend fixing these issues. Small repairs may be easy and inexpensive to fix, but dramatically impact the amount you’re able to ask for your house overall.

When you’re ready to put your house on the market, reach out to our skilled real estate professionals today to learn how we can assist you. We’ll help make the process as simple as possible, so you can sell your home quickly and easily.

3 Real Estate Trends to Watch For in 2020

3 Real Estate Trends to Watch For in 2020

The real estate industry a dynamic system that’s always changing. Every year, new locations become the hot spot for the industry, and new trends affect what buyers are looking for in homes they find on the market. Whether you’re looking to buy a home or sell your property, it’s important to have an idea of the trends that will shape the market you’re entering. At Dillingham & Toone Real Estate, we work with clients to help them make sense of an ever-changing, so they get the best value for their transactions. With a new year just a couple of months away, here are three real estate trends to watch for in 2020.

An Increase In Investment Property Buyers

Under most circumstances, real estate is a safe investment because the value of property tends to rise over time. Even if there’s a slight downturn in the market, the property will return to its original value, so long as the person didn’t pay too much for it in the first place. In 2020, fears of a global economic downturn could make real estate investments in the U.S. a safer bet for people with capital without a place to invest it. This would be great news for sellers because the increased market activity will lead to better deals for property owners who wish to sell.

Higher Prices for Houses in Tourist-Friendly Areas

One of the most significant disruptions to the traditional housing market has been the introduction of apps like Airbnb. A person with a house in an area that’s convenient for tourists no longer has to sell their home to someone who wants to live in a high-traffic area. People will pay top dollar for a home they never intend to live it because the house can be rented for far more money on Airbnb. While there are conflicting opinions on whether this is a good or bad thing for society at large, it’s great for property owners. Selling a house amid a busy tourist district can be tricky. Many people don’t want to deal with heavy congestion all year round. However, vacationers love being in the thick of the action for a few days. Investors who want to make money on Airbnb rentals are willing to raise the price for these locations to levels that would be too expensive for locals.

An Increasing Focus on Technology

Smart homes that use internet technology to make life better has gone from being something rare to something more commonplace. For people that want to sell an older home in 2020, they may want to consider some technological upgrades to go along with curb appeal improvements. A lot of the most commonly requested smart home features are expensive to install, but make your home stand out against the competition. For example, a smart thermostat is quick and easy to have installed; it makes the house more modern and can lower energy costs when used correctly. Similarly, internet-enabled locks and security are features that many house hunters like to see when searching for a new home. Compared to other potential renovations, making your home a little smarter with technology is inexpensive and can have a considerable impact.

If you’re looking to buy or sell property in the near future, Dillingham & Toone Real Estate is here to help. We have years of experience assisting people to get the best deals on real estate transactions in Texas. Send us a message online to discuss your real estate needs.

Owner Financing in Texas

Owner Financing in Texas

An important bucket list item for many Americans is to own their own home. However, many people are finding that it’s more challenging to obtain a mortgage and purchase a home today than it used to be. It can be difficult to achieve this lifetime goal, and this is often complicated by previous generations, not understanding that the process of purchasing a home has changed dramatically.

Before 2008, the real estate market simply didn’t have as many regulations as it does now. It used to be very easy for sellers to offer financing programs that were a bit more creative. This process made it far easier for buyers to obtain the mortgage they’d always wanted. However, those easy mortgages built up and brought on the real estate market crash of 2008, in which many individuals lost their life savings, and some lost their homes.

Sellers who are attempting to sell their homes to buyers who have credit that is less than perfect may decide to finance the purchase on their own. Owner financing is a valid method, but sellers who want to go this route may want to contact a Real Estate Broker/Realtor with experience, and a skilled attorney to help draw up the paperwork.

If you’re selling your home and would like to consider owner financing in Texas, there are a few things to keep in mind:

The SAFE Act – If a seller engages in more than five owner-financed transactions in a year, they now have to have a Residential Mortgage Loan Originator License, according to the Secure and Fair Enforcement (SAFE) for Mortgage Licensing Act. This helps keep individuals from financing many properties in a row and possibly not doing so ethically. There are some legal exceptions to this Act, such as providing mortgages to family members or selling your primary residence. It is wise to work with an attorney in these specific situations.

Dodd-Frank/TitleXIV – The Mortgage Reform and Anti Predatory Lending Act went into effect in 2014 and states that sellers must determine if a potential buyer can afford the house before they set up a contract. This law originated to eliminate finance deals to sell homes that more unfortunate borrowers couldn’t reasonably afford but signed contracts for anyway. The law prevents balloon payments as the mortgage matures, as well as penalty fees for pre-payments.

If you’re a Texas buyer and are interested in purchasing a home, you must be aware of the changes to the real estate market over the last decade. If you’re planning to owner finance your home, speak to a real estate attorney or qualified real estate professional to learn more about details for funding. These skilled professionals can help ensure that you manage your legal liabilities appropriately as you put your property on the market or purchase an owner financed home.

Stacey A.

Jeff and his team were wonderful! Extremely responsive and understanding of our needs. Also, very flexible and readily available to show us homes, even with little advance notice. He is very honest, professional, and knowledgeable. Thank you to the Dillingham team!

Gary B.

We found Jeff to be helpful, friendly, diligent, knowledgeable and always available, even late evening and weekends. As a buyer who has moved multiple times we can say he is easily the most competent Realtor we have ever dealt with and have no hesitation in recommending him to anyone.

April

Jeff was professional and has given us great advice, he has the passion to help people get into their dream homes!

Sarah

Jeff helped us find the perfect home, he was very patient and his expertise got us a very good deal!

April G.

I would highly recommend Jeff to anyone buying a house. This was our first home and I couldn’t believe how much he helped us through the process! I will definitely be using him for all of our home purchases and sales!