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Jeffrey P. Dillingham
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Jeff@DandTRealty.com
210.504.4800

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Featured Blog

SA-based midstream company gets $400M investment; buys pipeline

12 November 2019, 6:12 pm

San Antonio-based pipeline operator Ironwood Midstream Energy Partners is forming a new subsidiary — with a $400 million investment — and buying a Sou...

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South Texas Drilling Permit Roundup: Chesapeake tops well permit list coming off tough week

12 November 2019, 3:15 pm

The South Texas Drilling Permit Roundup is a weekly review of new drilling permit applications filed with the Railroad Commission of Texas for a 67-co...

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BizWomen SA: Local entrepreneurs discuss state of women-owned businesses

12 November 2019, 11:00 am

Bank of America's head of small business and three local women entrepreneurs participated in a panel discussion on the state of women-owned businesses...

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'Herculean' project expected to draw Broadway corridor investment north

12 November 2019, 11:00 am

Embrey Partners Ltd. has begun work on a mixed-use project near Alamo Heights that is expected to push development further north on Broadway Street. ...

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$130M gift gives new UT basketball arena a name

12 November 2019, 10:59 am

The next University of Texas at Austin basketball arena has a name and a huge benefactor. The venue for Longhorn basketball games, concerts and other...

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

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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.

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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!