Fernando Treviño Realtor

09/21/2026

09/19/2026

The 2026 market is shifting — and that changes everything about how you should buy or sell.

Right now: 6.76% mortgage rates, inventory up 4.4%, homes sitting longer, and buyers have more negotiating power.

BUYERS: Don't rush. Get pre-approved, take time to inspect, negotiate repairs and closing costs. You have leverage now.

SELLERS: Price it right from day one. Homes that sit too long lose momentum. Local market knowledge beats national headlines.

COMMON PITFALL: Waiting for the "perfect" market. It doesn't exist. Your personal situation matters more than timing.

Make decisions based on facts, not fear. That's how you win.

📞 Fernando Trevino
✉️ [email protected]

Call me at (210) 214-2431 to talk through your situation.

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09/18/2026

Your PCS just got easier.

Not all San Antonio neighborhoods are created equal for military families. Here's the breakdown:

🎯 **Base Proximity + Affordability:** Alamo Ranch, Government Hill (~$250K–$400K)
🎯 **Top Schools + Modern Homes:** Stone Oak, Alamo Heights (~$400K–$650K)
🎯 **Randolph AFB Sweet Spot:** Schertz, Cibolo (~$270K–$280K, top-rated schools)
🎯 **Budget Heroes:** Converse, Kirby (~$200K–$250K, quick base access)

All VA-friendly. All within 10–25 minutes of VA healthcare. All built for military families.

I've helped dozens of PCS families land in the perfect neighborhood. Your timeline matters — let's move fast.

📞 (210) 214-2431
✉️ [email protected]
🔗 http://230912.omnipress-site.com/agent-detail/Fernando-Trevino/389083

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09/18/2026

PCSing to San Antonio? Consider New Braunfels and Seguin instead.

Median home price: New Braunfels $339,797 | Seguin $284,686. Both towns are 25–35 minutes from JBSA. Seguin's cost of living is 93.1—below the national average. New Braunfels has 9.3% veteran population. Strong schools, river lifestyle, and real affordability.

Let's find your family's next home. Call (210) 214-2431.

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¿Te mudan a San Antonio? Considera New Braunfels y Seguin.

Precio medio de vivienda: New Braunfels $339,797 | Seguin $284,686. Ambas ciudades están a 25–35 minutos de JBSA. El costo de vida en Seguin es 93.1—por debajo del promedio nacional. New Braunfels tiene 9.3% de población veterana. Escuelas fuertes, estilo de vida junto al río, y asequibilidad real.

Encontremos el próximo hogar de tu familia. Llama al (210) 214-2431.

📞 Fernando Trevino | ✉️ [email protected] | 🔗 http://230912.omnipress-site.com/agent-detail/Fernando-Trevino/389083

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09/18/2026

Here's the simple answer: Buy the house first.

A car loses value the moment you drive it off the lot. A house builds equity, offers tax deductions, and appreciates over time. You can drive a modest used car — but you can't build wealth without real estate.

Ready to start? Let's talk about your options — VA loans, USDA loans, first-time buyer programs, or investment strategies.

📞 (210) 214-2431
✉️ [email protected]

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09/17/2026

1. Boost your score in 3 steps:
1️⃣ Pay everything on time.
2️⃣ Use less than 30% of your limit (ideally under 10%).
3️⃣ Don't open or close accounts.
Questions about your credit? Send me a message, I'll help you for free. 🏡💳
2. Paid off a collection and your score didn't go up?
FICO 8 (the most widely used) STILL counts collections, whether they are paid or not 😤 Before paying, verify that the debt is yours and get everything in writing. Message me if you want to review your case.
3. Your app's number is NOT what your bank sees 👀
Your free apps use VantageScore, but banks use FICO. It's the same info with a different calculation. Ready to buy a home? Let's talk about your actual situation.
4. 🛑 Watch out before closing an old credit card:
Closing it loses you available limit and your score can drop. Freeze it instead? That has NO negative effect. Better yet, use it a little bit and pay it off in full. Want to plan your strategy? Send me a message.
5. Divorce, bankruptcy, and your credit 📋
Joint accounts in a divorce can still affect you even if a judge orders otherwise. Plus, bankruptcy (Chapters 7 or 11) stays on your report for up to 10 years. If you're rebuilding, let's talk about your options to buy a home.
6. What credit tier are you in? 📊
• Tier 1 (720+): Best rates
• Tier 2 (680-719)
• Tier 3 (620-679)
• Tier 4 (Under 620): More expensive
Moving up a tier saves you thousands of dollars. I can help you check your tier and figure out how to climb up. Shoot me a message.
Fernando Treviño
(210) 214-2431

09/16/2026

Selling an investment property doesn't have to mean losing thousands to capital gains taxes. A 1031 exchange lets you defer those taxes by reinvesting into another like-kind property — keeping more money working for you.

Here's the real impact: Sell a property for $500K with a $200K gain. Without a 1031, you could owe $40K-$60K in federal and state capital gains taxes. With a 1031 exchange, you reinvest that full $500K into another property and defer the tax hit entirely — letting your entire proceeds work for your next investment.

The catch: You must follow strict IRS rules, work with a qualified intermediary, and meet tight deadlines. Miss one, and you trigger a taxable event. But if you plan ahead, you can upgrade properties, diversify markets, or reposition your portfolio without the immediate tax burden.

If you're holding investment property and ready to make your next move, let's talk strategy.

📞 (210) 214-2431
✉️ [email protected]
🔗 http://230912.omnipress-site.com/agent-detail/Fernando-Trevino/389083

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