Kathy Rogers Your Hill Country Realtor Specializing in Fine Homes and Relocation


Hello Everyone!

Welcome to our first monthly newsletter.  Keeping you in touch with the River Crossing Housing Market.

Currently there are 55 homes actively
   for sale in River Crossing.  Prices
  range from $310,000 - $869,900. There are 3 new home constructions this month in River Crossing.

Within the last 30 days 3 homes are now pending close of escrow. One home closed.  We welcome the new owners of 1375 Frontier to River Crossing.



What a Great Time to Refinance or Purchase!

Mortgage rates are at an all time low and this is the perfect time to consolidate those bills, do home improvements or just refinance your mortgage into a lower fixed rate saving hundreds of dollars monthly! Unlike the media hype, there are loan programs and mortgage money available. Don’t sit on the sidelines. Take advantage of these incredible rates and get the most for your dollar. It is also an excellent time to purchase a new home, with rates this low you can afford more house, act today. It doesn’t hurt to try, call me today for a free consultation at 210-858-6713.

Your Hometown Lender
Shelby A. Chapin
Texas Country Mortgage
2376 Bulverde Rd. Ste. 208
Bulverde, TX 78163


New Standards of Practice
For Real Estate Inspectors 2008/2009

Kevin & Pam Kight

Professional Inspector
TREC License # 10084


Texas Association of
Real Estate Inspectors

The Texas Association of Real Estate Inspectors (TAREI) is a statewide organization representing licensed real estate inspectors. TAREI is committed to the highest quality in real estate inspection services and education. TAREI was formed in 1977 and is one of the oldest inspection associations of its type in the United States. TAREI has been the voice of the inspection industry in Texas since its inception and is recognized by similar organizations throughout the United States as the vanguard of the industry

The Standard of Practice for Real Estate Inspectors has changed.

Mandatory Compliance will begin February 1, 2009.

  • Inspectors may begin inspecting to these standards immediately.

  • The inspector must report in compliance with these Standards of Practice even if the municipality building code does not require these practices.

  • TREC and the Inspector Committee require the highest Inspection standards to protect our customer’s life, limb and property.      

  • This inspection is a brief overview of some, not all, changes to the Inspectors Standards of Practice.

  • To view the entire Standards of Practice, visit www.tarei.com and click on “Standards of Practice”.

“In Need of Repair” (R) has been
replaced with “DEFICIENCY” (D)

Old Report Header:  I=Inspected   NI=Not Inspected   NP=Not Present   R=Not Functioning or In Need of Repair

I   NI  NP  R                           Inspection Item

New Report Header: 
I=Inspected   NI=Not Inspected   NP=Not Present   D=Deficiency

I   NI  NP  D                           Inspection Item


A condition that, in the inspector’s reasonable opinion, adversely and materially affects the performance of a system or component or constitutes a hazard to life, limb, or property as specified by these Standards of Practice. General deficiencies include but are not limited to inoperability, material distress, water penetration, damage. Deterioration, missing parts, and unsuitable installation.

Items identified in the report as “Deficient” do not obligate any party to make repairs or take other action nor is the purchaser required to request that the seller take action.

When a deficiency is reported, it is the client’s responsibility to obtain further evaluations and/or cost estimates from qualified service professionals.

Any such follow-up should take place prior to the expiration of any time limitations such as option periods.

Evaluations by qualified tradesmen may lead to the discovery of additional deficiencies which may involve additional repair cost.

The purpose of the inspection is to provide the client with information regarding the general condition of the residence at the time of inspection.

The inspector may provide a higher level of inspection performance than required by these Standards of Practice and may inspect parts, components, and systems on addition to those described by the Standards of Practice.


New Standards of Practice for Inspectors
Mandatory implementation February 1, 2009.
    Optional implementation immediately.

New Consumer Notice Concerning Hazards or Deficiencies
    TREC Form No. OP-1

New Inspection Form
    More detailed preamble to inspection provided by TREC.
    Items moved in report and additional information required.

Inspectors are required to inform customers at the earliest point possible if they will not inspect something.
If the inspector never climbs a roof then he/she must notify the customer before they hire the inspector.

TREC requires Inspectors to inspect to a higher standard than most municipalities require for new construction and the standards apply to all homes, all ages, no such thing as grandfathered.

Thank You!
Kevin and Pam Kight
Kight Home Inspection



I am here to assist 
with all of your real estate needs. 

For  a current CMA please contact me at
830-237-3212 or
email me at kathyrogers@gvtc.com


Wishing you all the luck of the Irish!

St. Patrick's

 ☼ DON'T FORGET: Time Change March 8th!

Featured Home of the Month

Featured Home In River Crossing subdivision
Single Family Home in River Crossing
♦ 2 Story  ♦ 4 Bedroom  ♦ 3.5 Bath
♦ 3796 Sq Ft  ♦ 1.3 Acres

♦ Two Living Area
♦ Separate Dining
♦ Eat-in Kitchen
♦ Island Kitchen
♦ Breakfast Bar
♦ Walk-in Pantry
♦ Study/library
♦ Game Room 
♦ High Ceilings
♦ Open Floor Plan
♦ Covered Patio
♦ Gas Grill

♦ Privacy Fence
♦ Sprinkler System
♦ Mature Trees
♦ Outdoor Kitchen
♦ Three + Car Carport
♦ Attached Side Entry 
♦ Pool
♦ Tennis
♦ Golf Course
♦ Clubhouse
♦ Park/playground
♦ Sports Court

Want to learn more about this Magnificent River Crossing Home? Click Here...


Healthiest Housing Markets for 2009

With most economists and builders expecting a national market decline this year, this may not seem like the best time to be selecting the "healthiest" markets in the country. Virtually every market was down last year. But a close look at the numbers reveals that some markets have way outperformed others during the last four years and are likely to continue to do so this year.

When the housing market stages its official recovery, the markets listed on the following pages are likely to lead the parade. It may take a year or more for the weakest markets--where burgeoning foreclosure sales are still pounding new home values, making building and selling new homes an exercise in futility-- to finally stage a turnaround. We'll present that list next week.

The healthiest markets have many things in common. Most of them are great places to live, either close to the ocean, mountains, or major universities. Most of them didn't have a huge run-up in prices during the boom and aren't experiencing rampant deflation during the bust.

To compile these lists, we analyzed the top 75 housing markets in the country. We ranked them based on population trends and job growth, perennial drivers of housing demand. We also examined what's happened with home prices; many of the healthiest markets have managed to hold the line on home values. And finally, we considered the rate building permits, which may be the single best ongoing indicator of builder confidence in a market. We combined all these metrics to produce a score for each market. Here are the top 15, in reverse order

Dallas, Texas
2008 total building permits: 26,145

In a year when permits declined 35 percent nationally, Dallas only experienced a 9 percent fall-off. With a population of 4.2 million, Dallas was the third largest home building market last year, as measured in permits pulled. Employers in Dallas, a popular place for corporate relocation and expansion, added 42,000 jobs last year, a growth rate of 2 percent. Existing home prices have held steady, falling a paltry 2.3 percent in the last year, Interestingly, the face of residential construction has changed dramatically in Dallas in recent years; 58 percent of the activity last year was in multifamily, compared to a five-year average of 23 percent. The relative stability of the market, though, wasn't enough to prevent Wall Homes from filing for bankruptcy earlier this year. On the other hand, former Meritage co-CEO John Landon recently started a new Dallas-based home building company.

Busiest builders: D.R. Horton, Highland Homes, David Weekely Homes, K.Hovnanian Homes, Drees Custom Homes. Courtesy: Hanley Wood Market Intelligence.

San Antonio, Texas
2008 total building permits: 10,261

San Antonio is another Texas market that is still adding jobs, about 15,000 last year. A city of more than 2 million people now, its population is also growing, at a 2.8 percent annual clip through the third quarter of last year. Existing home prices are barely declining in San Antonio, down only 1..8 percent in the last year, leaving the median price of an existing single-family home at an affordable $154,400, 25 percent below the national average of $200,500, according to the National Association of Realtors. The upper end of the housing market was hurt recently when AT&T announced it would be moving its corporate headquarters to Dallas.

Busiest builders: D.R. Horton, K.B. Home, Centex Homes, Pulte Homes, Fieldstone Communities. Courtesy: Hanley Wood Market Intelligence.

Fort Worth, Texas
2008 Total Building Permits: 10,388

Fort Worth, always operating in the shadow of higher profile Dallas, nevertheless can currently claim to have a slightly healthier housing market, based on its employment growth, relatively strong permit activity, and inexpensive housing. Now the 14th largest home building market in the country, Ft. Worth's builders pulled 10,388 permits last year, roughly two-thirds of them single-family. That may be half as many as 2005, but many other major markets showed much sharper drop-offs. The relative strength of the Fort Worth market in recent years stems from its ties to the oil and gas industries, which has fueled above-average job growth. The metro area added 17,300 jobs last year.

Busiest builders: D.R. Horton, Choice Homes, History Maker Homes, Meritage Homes, Centex Homes. Courtesy: Hanley Wood Market Intelligence.

Austin, Texas
2008 Total Building Permits: 14,250

Nine years ago, during the tech bust, some builders felt that Austin was too crowded and left. The bloom is back on Austin's yellow rose now; it moved up the leader board to become the sixth largest home building market last year. Job creation explains the move. While other markets lost employment, Austin added 17,400 jobs last year, 2.31 percent growth rate. It helps that Austin is home to both a major university, The University of Texas, and the state capital. Existing homes cost a little bit more in Austin than other Texas markets, roughly $190,900, but that's still below the national average. Also, Austin is one of the few metro areas in the country where median prices actually rose in 2008--1.4 percent through the first three quarters of the year. Amazingly, Austin now generates more home building activity than Chicago, which has six times more people.

Busiest builders: D.R. Horton, Lennar, KB Home, Centex Homes, Meritage Homes. Courtesy: Hanley Wood Market Intelligence.

Houston, Texas
2008 Total Building Permits: 42,697

They like to do things big in Houston. Now the metro area, home to nearly 5.8 million people, can lay claim to being the largest home building market in the country, with 42,697 building permits. The market is still benefiting from an influx of population and jobs and rebuilding in the wake of Hurricane Ike. Employment rose 2.2 percent last year, representing the addition of an incredible 57,000 jobs. Home building activity in Houston has only fallen 31 percent since 2005. Also, existing home prices actually rose in Houston last year, 2.8 percent, to $160,200, still a very affordable level. Roughly one third of the home building action is in Harris County, followed by Houston proper and Fort Bend County. One of Houston's largest builders, Royce Homes, shut down last year, and Kimball Hill, one of the biggest builders in Texas, closed its doors this year after it failed to find a buyer.


 © 2009. Kathy Rogers Realtor is an independently owned and operated member of Keller Williams Realty, Inc.
Keller Williams Realty, Inc. is an Equal Opportunity Employer and supports the Fair Housing Act.
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