As we reach the midpoint of 2025, it’s the perfect time to pause and recognize the remarkable pace of real estate growth in San Antonio and New Braunfels. Whether you’re a homeowner, investor, or wondering about your property’s value, On the Mark Appraisals is here to provide you with the trusted insights and expertise you need to make confident decisions.
Whether you're buying, selling, refinancing, or investing, a certified appraisal is your best tool for fair negotiations. At On the Mark Appraisals, our experience in the San Antonio and New Braunfels markets means you get:
Markets change, but strong guidance endures. I’m proud to be your local resource—offering tailored advice for your neighborhood, your property, and your goals. My commitment? Accuracy, integrity, and service. Every time.
San Antonio's Rain, Flooding & Your Real Estate Journey
Mark Caraveo | On the Mark Appraisals
Here in San Antonio and the beautiful New Braunfels area, we enjoy vibrant culture, rich history, and plenty of sunshine. But, as many of us know, our region also has a significant history with rainfall and flash flooding – a factor that can't be ignored when it comes to real estate.
Whether you're a long-time homeowner, a realtor guiding clients, a prospective buyer, or looking to sell, understanding how our unique weather patterns impact property is crucial. For those new to the area, this insight is even more vital!
While rain is essential for our landscapes and aquifers, intense downpours, especially during certain seasons, can quickly transform serene creeks and rivers into powerful forces. San Antonio, often dubbed "Flash Flood Alley," has seen its share of dramatic weather events.
What does this mean for real estate?
For Homeowners:
For Realtors:
For Buyers:
For Sellers:
For Those New to the Area:
At On the Mark Appraisals, we understand the nuances of the San Antonio and New Braunfels real estate markets, including the critical impact of environmental factors like rainfall and flood risk.
Our comprehensive appraisal services provide you with:
Whether you're assessing risk, determining value, or navigating a transaction, a professional appraisal can be an invaluable tool in "Flash Flood Alley."
Drop Us A Line! Order An Appraisal
© 2025 On the Mark Appraisals. All rights reserved.
Mark Caraveo | Direct: (210) 393-4414 | onthemarkappraisals@gmail.com
21106 Capri Oaks San Antonio, TX 78259
Summer usually means more home showings, offers flying everywhere, and open houses serving (mystery) lemonade. But this year, headlines aren’t just about backyard BBQs! The only thing rising faster than the temps are… yep, mortgage rates. Here's the big summer scoop:
Summer’s sizzle is real—but the real estate market’s hotter than ever with uncertainty. Relax, On The Mark Appraisals is here with the right answer, even if we use a slightly dull pencil (oops, time to sharpen up!) for sketching your property.
By: Your friendly (and slightly sarcastic) neighborhood appraiser ??Ready for an honest, hilarious, and expert appraisal? Contact us—because when it comes to home values, we don’t "estimate", we hit the mark.
The San Antonio and New Braunfels real estate markets are vibrant and dynamic, but let's be honest – navigating them right now can feel complex. Whether you're a realtor guiding clients, a homeowner considering your options, or a buyer trying to make a smart investment, one question looms large: What is the true value?
In a landscape where interest rates fluctuate, inventory levels shift, and buyer/seller expectations need careful management, relying on guesswork or automated online estimates simply isn't enough. It can lead to costly mistakes, stalled deals, and missed opportunities.
Are You Feeling These Pains?
The Antidote to Uncertainty: Precision and Local Expertise
In times like these, an accurate, unbiased, and professionally conducted appraisal is not just helpful – it's essential. It's the anchor that provides clarity and confidence amidst the market's currents.
This is where On the Mark Appraisals comes in.
We specialize in providing reliable, timely, and meticulously researched residential appraisals specifically for the San Antonio and New Braunfels areas. We don't just crunch numbers; we understand the local nuances, neighborhood trends, and specific factors that influence property values right now.
Why Choose On the Mark Appraisals?
Take Control with Confidence
Don't let market uncertainty dictate your success or peace of mind. Whether you're listing, selling, buying, refinancing, or planning for the future, knowing the true value of your property is the critical first step.
Ready to replace guesswork with certainty?
Partner with On the Mark Appraisals for the accurate, reliable valuation services you need to navigate today's San Antonio and New Braunfels real estate market successfully.
Contact us today for a free quote or to discuss your appraisal needs!
Let On the Mark Appraisals provide the clarity you need to make informed decisions with confidence.
As we progress through 2024, a significant trend is emerging in the U.S. housing market: rising mortgage delinquencies. At On The Mark Appraisals, we know how vital it is for homeowners, investors, and real estate professionals to stay informed about these changes, particularly those affecting our local markets like San Antonio and the broader Texas region.
Mortgage delinquency refers to the failure of a borrower to make their scheduled mortgage payment, typically if it's overdue by 30 days or more. As of the second quarter of 2024, the national mortgage delinquency rate reached 3.35%. This rise can be attributed to a combination of factors, primarily the tapering off of COVID-era financial assistance and increasing interest rates.
Expiration of COVID-era Assistance: During the pandemic, many homeowners took advantage of forbearance programs that allowed them to pause mortgage payments without facing immediate penalties. These programs played a critical role in keeping delinquency rates low. However, as they have expired, many borrowers are now grappling with renewed financial pressures.
Increased Interest Rates: The Federal Reserve's actions to combat inflation have led to rising interest rates, meaning higher monthly payments for many homeowners. This increase has added an extra layer of financial strain, particularly for those already on tight budgets, leading to an uptick in missed payments.
As a growing economic hub, Texas has its own unique dynamics affecting mortgage delinquencies. According to recent data, the current delinquency rate in Texas stands at around 3.3%—on par with the national average. However, specific cities exhibit varying levels of distress.
San Antonio’s mortgage delinquency rates echo the statewide average, reflecting both the resilience and challenges within the local market. Currently, San Antonio is experiencing a delinquency rate of approximately 3.7%. This figure places it slightly above the Texas average but shows a clear trend of increasing financial distress among homeowners.
Key Factors for San Antonio:
Population Growth: San Antonio has seen a surge in population, with many moving for jobs in technology and healthcare. While this growth can drive demand, it can also strain the affordability of housing, making it challenging for newcomers to keep up with mortgage payments.
Rising Home Prices: The median home price in San Antonio has surged to roughly $345,000, reflecting a nearly 10% increase year-over-year. For many families, these rising prices mean taking on larger loans, further complicating financial stability.
Nationally, the states with the highest mortgage delinquency rates are concentrated in the South:
Mississippi: 5.3%
Louisiana: 4.9%
West Virginia: 4.1%
Alabama: 3.5%
Texas, while slightly above average, does not rank among the most affected states. However, the economic pressures facing homeowners in Texas cannot be ignored.
Conversely, states in the West and Midwest report significantly lower delinquency rates:
Washington: 1.3%
Oregon: 1.4%
California: 1.4%
This stark contrast suggests that economic stability and housing affordability play pivotal roles in determining local delinquency rates.
Within Texas, major metropolitan areas are affected differently. For instance, while San Antonio reports delinquency rates around 3.7%, Dallas-Fort Worth has a lower rate at about 2.9%, reflecting a more robust job market and diversified economy. Here’s a look at some key figures:
Houston: 3.8% (above the state average)
Austin: 3.1% (more resilient but facing pricing pressures)
For Homeowners: If you're struggling to keep up with mortgage payments, it's crucial to explore options such as refinancing to secure a lower rate or looking into state and federal assistance programs. Awareness and proactive financial management can make a significant difference.
For Investors: Rising delinquency rates can signal increased foreclosures in certain areas, presenting both risks and potential opportunities. Understanding local market dynamics is essential for making informed investment choices.
As mortgage delinquencies rise, both nationally and locally, it’s imperative to stay informed about these changes and their implications for the housing market. In Texas and San Antonio, the combination of growing home prices, rising interest rates, and the end of pandemic relief programs has created a challenging environment for many homeowners.
At On The Mark Appraisals, we are dedicated to providing insights, analysis, and support to help navigate these complexities. Whether you are a homeowner needing assistance or an investor looking to capitalize on market trends, we are here to ensure you’re always on the mark with your decisions. If you have any questions or need professional appraisal services, don’t hesitate to reach out to us. Together, we can navigate the evolving landscape of the housing market.