Real Estate Resources
Free guides, checklists, and expert insights to help you buy or sell a home in San Antonio, Seguin, and New Braunfels with confidence.
Printable Checklists
Download Ruth's step-by-step checklists and stay organized through every stage of your transaction.
For Buyers
Home Buyer's Checklist
Every step from pre-approval to closing day — so nothing falls through the cracks on the biggest purchase of your life.
- Get pre-approved for a mortgage before you start searching
- Determine your must-haves vs. nice-to-haves
- Research neighborhoods — schools, commute, lifestyle
- Attend open houses and take notes on each property
- Make a competitive offer with your agent's guidance
- Schedule a professional home inspection
- Review HOA documents and seller disclosures
- Lock in your mortgage rate with your lender
- Do a final walk-through the day before closing
- Bring a cashier's check or wire funds to closing
- Sign the closing documents and get your keys!
- Update your address with USPS, banks, and employers
For Sellers
Home Seller's Checklist
From prepping your home to handing over the keys — a proven seller's roadmap to maximize your sale price and minimize stress.
- Consult with Ruth to set a competitive list price
- Declutter and deep-clean every room in the home
- Complete small repairs: leaky faucets, loose hinges, cracked caulk
- Apply fresh neutral paint to rooms with bold colors
- Enhance curb appeal — mow, trim, add fresh mulch
- Stage your home to highlight its best features
- Professional photography and virtual tour session
- Review and approve your MLS listing before it goes live
- Accommodate showings with flexible availability
- Review all offers with Ruth and negotiate strategically
- Respond to inspection requests promptly
- Gather all warranty documents, manuals, and utility info for buyer
Explore All Resources
First-Time Buyer's Guide
A comprehensive step-by-step walkthrough of the entire homebuying process — from getting pre-approved to picking up your keys.
Read the Buying Guide →Home Seller's Playbook
Everything you need to know to list, market, negotiate, and close on your home — with maximum profit and minimum stress.
Read the Selling Guide →San Antonio Area Guides
Deep dives into San Antonio, Seguin, and New Braunfels — covering neighborhoods, schools, lifestyle, and market trends.
Explore Areas →Client Success Stories
Read real reviews from buyers and sellers who worked with Ruth — and see why her clients come back and refer their friends.
Read Reviews →Frequently Asked Questions
Answers to the questions Ruth hears most from buyers and sellers across San Antonio and beyond.
How long does it take to buy a home in San Antonio?
On average, the process takes 30–60 days from accepted offer to closing. Pre-approval, finding the right home, and loan processing are the biggest time factors. Ruth will keep the process on track from start to finish.
What is the best time of year to sell in San Antonio?
Spring (March–May) is traditionally the hottest season, with the most buyers active and homes often selling above list price. However, San Antonio's warm climate means demand stays relatively healthy year-round.
How much do I need for a down payment?
Conventional loans typically require 5–20% down, but FHA loans allow as little as 3.5% down. VA loans for eligible veterans require $0 down. Ruth can connect you with trusted local lenders who will find the best fit for your situation.
What costs should sellers expect at closing?
Sellers typically pay 6–10% of the sale price at closing — including the real estate commission, title fees, and any agreed-upon concessions. Ruth will walk you through a full net sheet so you know exactly what to expect.
Do I need a home inspection when buying?
Absolutely — a home inspection is one of the most important steps in the buying process. It uncovers hidden issues before you finalize the purchase, and Ruth will use the findings to negotiate repairs or a price reduction on your behalf.
How does Ruth determine the right list price?
Ruth uses a Comparative Market Analysis (CMA) — a detailed review of recently sold homes similar to yours in size, condition, and location. This data-driven approach ensures your home is priced to attract buyers while maximizing your return.
Still Have Questions?
Ruth is happy to answer any questions about buying or selling in San Antonio, Seguin, or New Braunfels. Reach out for a free, no-obligation consultation.