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  • Testimonials - Read what The Heart of Texas Realty's clients are saying about the real estate marketing and services provided.

  • Special Offers - Special offers for San Antonio, Alamo Heights and Spring Branch homeowners from The Heart of Texas Realty.

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  • Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

  • How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

  • Determine Tax Savings - Calculate how much your monthly San Antonio, Alamo Heights and Spring Branch Texas mortgage payments save you on your taxes because of loan interest.

  • Should You Rent or Buy? - Is it better to rent a home in Texas or buy your own San Antonio, Alamo Heights and Spring Branch house, ranch, luxury property, condominium, acreage, or other real estate?

  • Adjustable Rate Mortgages - Adjustable rate San Antonio, Alamo Heights and Spring Branch mortgages information and interest rate java calculator.

  • What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

  • Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

  • Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

  • 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

  • How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

  • What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

  • Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

  • TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Texas real estate.

  • Real Estate Tips - The Heart of Texas Realty's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

  • Real Estate Trivia - The Heart of Texas Realty's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

  • Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your San Antonio, Alamo Heights and Spring Branch property in Texas, including legal terms definitions, and more.

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School Reports in San Antonio, Alamo Heights and Spring Branch, Texas
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Texas Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
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Real Estate Tips
Titles >Joint Tenancy

When two or more individuals own property together, each one owning an equal interest and having equal rights in the property including the rights of survivorship, it is referred to as joint tenancy. Any of the joint tenants may transfer his or her interest in the property to another party, but this dissolves the joint tenancy and creates a tenants-in-common interest with respect to the other parties whose names are on the title.

The most important feature of joint tenancy is the right of survivorship. A joint tenant cannot will his or her interest in the property to others. The surviving joint tenant (or tenants) simply becomes the owner or owners of the property without going through the probate process, which can involve expensive legal fees and may take months to resolve.

It is important to get professional advice when you plan to buy and hold title to real estate with another person.

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Real Estate Trivia
Q 
What tropical haven is back in vogue, attracting celebrities like Cher, Madonna, and Sylvester Stallone, who have homes here?

A 
Made up of 17 islands in Biscayne Bay, Miami Beach is the "American Riviera" and famous for its tropical beauty.
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The Heart of Texas Realty, REALTOR®, real estate agents and broker for San Antonio, Alamo Heights and Spring Branch Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

John Thurman, ABR, GRI, CRS
Heart of Texas Realty

13810 Bluff Lane
San Antonio, TX 78216
Phone #: (210) 481-6767
Fax #: (210) 496-2354
John@HeartofTexasRealty.com

John Thurman, ABR, GRI, CRS, is the Broker/Owner of Heart of Texas Realty and Talk Show Host of the San Antonio Business Makers, the San Antonio Movers and Shakers, and the Military City USA Radio Shows on News-Talk 930 KLUP. He specializes in assisting families’ relocate either across the country or across the street. He is the Charter President of the Rotary Club of San Antonio at The Dominion, Founder and Chairman of Gateway San Antonio Corridor, Inc, and Founder of the First Voice Networking For Realtors in San Antonio.

San Antonio’s Most Listened To Realtor and Host on News-Talk 930 KLUP.

RE License # 354093

ABR CRS CRS Equal Housing ERC GRI MLS REALTOR RELO


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