Real Estate Conversations with Brenda: Buying a San Antonio TX Home - Bottom Line I Need to Be Up in Your Biz

Buying a San Antonio TX Home - Bottom Line I Need to Be Up in Your Biz

Buying a San Antonio TX Home - Bottom Line I Need to Be Up in Your Biz 

If you are buying a San Antonio TX home, as your Realtor®, it may seem like I am trying to be up in your biz - but to really get you the home you desire, I need to be.  Now does this mean that I need to know every nook andUp in your Biz cranny in your life and your personal space?  No, absolutely not.  However, I do need to know your financial situation or if you are able to buy a San Antonio TX home for sale.

Many times, those looking to buy a San Antonio TX home for sale will start getting uncomfortable when I start mentioning finances and how they will be paying for this home they want to buy.  In fact, sometimes, a buyer might get so uncomfortable, I may not hear from them again.  

Often (in fact almost always), one of the very first questions I will ask you is, "have you been pre-qualified yet?" and if I get either the blank stare or see you fidgeting, I know you haven't done so yet.  Some times the thing they say is "I am not at that point yet."  Well, to tell you the truth, if you're not at that point yet, then you are not at the point of buying a San Antonio TX home.  

I simply cannot do my job without knowing how much you can and if you are able to buy a home.  It is impossible.  I can go with your best guess, but that ain't gonna be good enough.  Trust me, often times, your best guess isn't even close.  It may be more or it may be less, but guesses aren't good when trying to buy a home.  

The bottom line is this, don't get offended once I start asking you about finances.  It's not like I want to be up in your biz - in the matter of finances with buying a San Antonio TX home for sale...I need to be.  

Brenda Mullen – San Antonio Texas Real Estate Professional

Brenda Mullen Your San Antonio TX Real Estate Agent
Selling a San Antonio Texas area home involves many steps and having an experienced  San Antonio  Texas Real Estate Agent by your side will make the transaction run a lot smoother. I would love to be your San Antonio Texas Area Real Estate Professional! I assist both buyers and sellers in the San Antonio Texas area with either the purchase and or sale of residential real estate.
As an Accredited Buyer’s Agent, I have received special training to guide and educate you through the entire home buying process. From start to finish, I listen to your needs and desires in what you would like and take the information you give me to find you home.
As your San Antonio Texas listing agent I am well versed on the local San Antonio Texas area Real Estate Market. You can expect personalized service that includes a detailed consultation on how to best position your home to be competitive in today’s market with an in depth comparative market analysis, and advice on staging. I use the latest and most up-to-date marketing methods to get your home in front of as many buyers as possible. Being your San Antonio Texas area Realtor® not only involves just finding the home or selling the home, but being your guide, negotiator, advisor and advocate and making sure that your needs and goals are met. Being your San Antonio Texas area Realtor® is one of my truest passions, and “Helping You Find Home” is my number one priority.
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Brenda Mullen
Broker-Associate/Realtor®, ALHS®, MRP®, ABR®, ePro®

Team Leader The Mullen Group with RE/MAX Access - Helping You Find Home
19115 FM 2252 STE 15


Comment balloon 28 commentsBrenda Mullen • May 28 2012 06:04PM


Brenda- you make a very good point for Buyers.  The more you know the better you can help them and save everyone time and problems. 

Posted by Kathy Streib, Home Stager - Palm Beach County,FL -561-914-6224 (Room Service Home Staging) over 7 years ago

Hi Kathy-Some buyers get a tad offended when I start asking questions about their financial situation.  It's like they think I don't need to know...However, I do.  Thanks so much for stopping by!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago
You are so right Brenda, I wish clients understood it's not that we are being nosey, we need info to help!
Posted by Joy Daniels (Joy Daniels Real Estate Group, Ltd.) over 7 years ago

I love the term "up in your biz", Brenda.  Must be a Southern thing.  You are right. No one is going to be buying a home based on guesses.  They need to know what they can afford before wasting everyone's time including their own.

Posted by Jane Peters, Los Angeles real estate concierge services (Home Jane Realty) over 7 years ago

Hi Joy-Some buyers get so uncomfortable and they really need to let go of that if they want to buy a home :)!

Hi Jane-Like that do ya :)?  Trying to make a title more fun is difficult in under 70 characters lol :)!  I have to know what they are able to afford and if they are able to buy to even get started :)!

Thanks for dropping in :)!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago

I simply cannot do my job without knowing how much you can and if you are able to buy a home.  That is so true...

Posted by Joan Whitebook, Consumer Focused Real Estate Services (BHG The Masiello Group) over 7 years ago

Brenda, congratulations on your FEATURED post. It is important to pre-qualified before house hunting, otherwise is a waste of time. 

Posted by Kwee Huset, Venice Florida Homes For Sale (Kwee Huset Realty) over 7 years ago

Hi Joan-Isn't it.  We must know that to even start :)!

Hi Kwee-Thanks.  It most definitely is :(!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago

Yup, you said it and it had to be said because it's the truth.  When buyers seek out the services of a real estate agent we do need to get up in their biz -- on a need to know basis.  Nice feature! 

Posted by Carla Muss-Jacobs, RETIRED (RETIRED / State License is Inactive) over 7 years ago

Hi Carla-Just figured it had to be said lol :)!  Especially when the buyer gets uncomfortalbe and defensive.  "Why do you need to know?"  Cuz I need to know lol :).  I am not going to use the info against you, I am going to use it to help you find a home :)!  Thanks for dropping in :)!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago

Brenda, I have saved a lot of time and $$ asking if the prospective buyer is prequalified.  If they cannot take time to obtain a prequal, then why should we take hours of time and energy to go home shopping? 

Posted by Sonja Patterson, Texas Monthly 5-Star Realtor Recipient for the Hou (Keller Williams - BV) over 7 years ago

Brenda.. i have had clients during the process not want to be in touch with their lender.. How can i do my job? they said that was their responsibility.. we had some interesting dialogue on that deal..but close we did... 

Posted by Janis Borgueta, LIC RE Salesperson (Key Properties of the Hudson Valley ) over 7 years ago
I hate when that happens. I think it is the buyers way of needing to be in control. But in reality, only one of us can be in control of the real estate process. I would just much rather let that person walk than to have to beg them for the information that I need in order to help them. It really only takes a smidgen of common sense to see why we need this information. People and the games they play.....
Posted by Charita Cadenhead, Serving Jefferson and Shelby Counties (Alabama) (Keller Williams Realty) over 7 years ago

Brenda, Right now the preapproval process is the ticket to play.  Nothing worse than a buyer LOVING a home, but oh, wait, the financial end can't happen.  Best to get that process done BEFORE looking at a bunch of homes and then getting your hopes crushed.

Posted by Liz and Bill Spear, RE/MAX Elite Warren County OH (Cincinnati/Dayton) (RE/MAX Elite 513.520.5305 over 7 years ago

Brenda, I will no longer deal with clients who won't see a lender to get pre-approved...why would anyone?!  Your time is for your clients not customers who will drop you in a heart beat.  I'm reading the comments here and really don't understand why other agents don't value their time.

Posted by Ginny Gorman, Homes for Sale in North Kingstown RI and beyond (RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate) over 7 years ago

Hi Brenda.   You're a star Girl!   I get that we like to keep our financial to ourselves, but no can do when making a home purchase.   

Posted by Carol-Ann Palmieri, "Cal" the Real Estate Gal (RE/MAX Executive Realty, Al and Cal Realty Group) over 7 years ago

I have a rule.  No pre-approval, no showings.  If a buyer can't commit that, they aren't really buyers.  Good post and congrats on the feature.  

Posted by Amanda Christiansen, Christiansen Group Realty (Christiansen Group Realty (260)704-0843) over 7 years ago

Good morning Brenda,

Well is an education process for many consumers to become clients, and (good) information is all important.

Posted by Lisa Von Domek, ....Experience Isn't Expensive.... It's Priceless! (Lisa Von Domek Team) over 7 years ago

Hi Sonja-It's just got to be the first place we start.  Many understand that....and many don't.

Hi Janis-I am sure you had at least a beginning number from a lender though...right?  If not, how did you work that out :)?  I am glad you did close and they at least had a lender.  I am talking about those who just don't want to even broach the subject of financing :)!

Hi Charita-Yep, no begging for the info that I need.  If I don't get it, I cannot even begin.  

Hi BLiz-Not to mention the waste of everyone's time and money.  It's just pointless.  

Hi Ginny-Me either.  I just don't have the time.  Generally those who don't pre-qualify...can't.  

Hi Carol Ann-Thanks :)!  No keeping financial secrets :)!

@Christiansen Team-If they can't commit, neither can I.

Hi Lisa-The home buying or selling process is definitely an educational process.


Thanks for all of the comments :)!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago

Brenda, next to asking them if they are working with another agent, this is the most important question. Unless buyers know how much they are qualified to purchase, they are wasting their time looking at properties.

Posted by Michael Setunsky, Your Commercial Real Estate Link to Northern VA over 7 years ago

Hi Michael-Yep, one of those questions comes first for sure.  Hey...that's another post lol :)!  Thanks for stopping by!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago


Great post.  I recently had a friend that wanted me to show her houses.  She had just sold and closed on her existing home.  She stated how much she was going to put down and that she had excellent credit.  Did she have all those things going for her . . . yes,  However, she could not qualify for the amount it would take to purchase her dream home.

Posted by Pamela Smith, Sun City West, Corte Bella, Sun City Grand (Award Realty) over 7 years ago

San Antonio Texas remains in her good hands...This Brenda

Posted by Richie Alan Naggar, agent & author (people first...then business Ran Right Realty ) over 7 years ago

Hi Brenda, so true that this is very important information to have, before even getting in the car. I try to assure them that I will not have the sensitive info... the lender will, but that we need the pre-qual number.

Posted by Sandy Acevedo, RE/MAX Masters, Inland Empire Homes for Sale (951-290-8588) over 7 years ago

I love this, Brenda! So very, very true in every instance.  Unless it's cash.  Then you know EXACTLY how much you can spend! :)

Posted by Kristin Moran, San Antonio,TX - Real Estate - 210-313-7397 (Owner - RE/MAX Access - over 7 years ago

Hi Pamela-And that is why qualification with a lender is so important.  Often times they have an idea of what they "may" qualify for, but until you know for sure, it's just a guess.

Hi Richie-Thanks so much :)!

Hi Sandy-We need the number lol :)!

Hi Kristin-Cash is great-still need to be up in their biz with the bank statement saying just how much cash lol :)!  

Thanks all for stopping by :)!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago

Excellent Post, Brenda. I run into this very often when I ask buyers if they have talked with a lender or a mortgage counselor. We are not trying to "Get Into Their Business", but We do need to know if they can Buy the Home that they want us to take valuable time to show them. Even a Cash Deal, I want to see a statement from the banks proving they have the funds

I will never forget in my rookie year,10 years ago, when I got my very first Cash Buyer. Didn't ask for that letter then, and we kept extending the closing date. Finally, the sellers terminated the contract by refusing to give another extension. By buyer was waiting for his "Big Oil Deal" to go through, which by the way, Never happened. Hard lesson for a rookie to learn.

Posted by Jerry Newman, Texas REALTOR, San Antonio Military Relocation (Brown Realty, 210-789-4216, over 7 years ago

Hi Jerry-Wow!  Big Oil Deal lol :)!  I would have fallen for that too and sometimes we want to, but we both know that we can't.  That is why we need to get up in their biz lol :)!  Thanks for stopping by!

Posted by Brenda Mullen, Your San Antonio TX Real Estate Agent!! (RE/MAX Access) over 7 years ago

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