Welcome to the HouseSavvy.com Blog

2016-12-14 15:37:03

Everyone likes saving money!  Here are some sure ways to get your year started in the right direction. 


Property exemptions lower your tax rate.  All exemption filings are due by certain deadlines. Check the tax assessor's website for each one to ensure you get your filing in on time.   Anyone who lives in their property qualify for a Homestead Exemption in the state of Texas however there are other exemptions that you may be eligible for that could save you even more. 

Over 65 – Saves you a considerable amount of school taxes.  Disabled Veteran OR Survivors of a Disabled Veteran – Depending on your disability rating your taxes are reduced by that much.  10% = 10% off

Residence Homestead of 100% or totally Disabled Veterans - This newly created Section entitles a 100% exemption for a residence homestead of a qualifying Disabled Veteran. In accordance to the Tax Code, a Disabled Veteran who has a 100% service connected rating from the United States Department of Veteran Affairs, or is unemployable, is exempt from taxation on the veteran´s residential homestead.

Disabled Homestead – May be taken in addition to the Homestead exemption.



Every year the Tax Assessor performs a review of your property and designates its value. Based on that figure they tax you.  The higher the assessment the more they can charge you in taxes. Sometimes these increases have no bearing on market value.  Often times, the property owner misunderstand this figure to mean they can actually sell it for this amount. What you don’t know is that these may be overvalued and you may be paying too much.  Instances of ‘across the board’ increases in valuation happen more often than we think.  Remember, the person assessing your property is a government employee seeking to justify and contribute to having monies for their upcoming yearly raises/benefits.  Question your assessment and when in doubt, PROTEST!



If you have an escrow account you’re probably not paying any attention to your Homeowner’s Insurance.  It happens so automatically in the background that you forget to shop your insurance carrier.  Insurance never seems to go down when you let your current company handle it.  However; when you seek at least three estimates 2-3 months BEFORE expiration, you’ll have complete control to save that premium from your escrow account and get an overage returned to you!  If you don’t pay close attention to this as your insurance premium increases so will your monthly mortgage.  Control it and save! 

Don’t have an escrow account?  Shop your current carrier 30 days before expiration and save!



Interest rates are low!  If you have a mortgage that’s over 6% check with your bank to see if they can do a streamlined refinancing loan.  It could save you thousands of dollars.  However; don’t refinance if you’re at the end stages of your loan.  You’ll reset the ‘interest clock’ to the favor of the bank. You don’t want to do that.  Instead you should consider accelerating paying it off.


If you have any questions regarding how to proceed with any of the money saving tips shown here please reach out to your Houses In San Antonio agent.  They’d welcome the opportunity to help you.  Here’s to your continued success and financial well-being in the New Year!

Blog Archive
2018-09-05 12:39:02
How to make traditional Caldo de Pollo

2018-09-05 12:18:37
Autumn Leaf Candle Holder

2018-08-14 15:02:07
Back to School DIY Clipboard Charts

2018-08-14 13:10:13
National Back to School Month

2018-07-11 16:24:12
How to make Seashell Flower Pots

2018-07-11 15:45:33
Summer Watermelon Salad

2018-05-18 13:19:36
Top 5 Potato Salad Recipes

2018-04-23 10:33:59
Blueberry Peach Tart with Vanilla Glaze

2018-04-23 10:22:47
Fresh Peach Margarita

2018-04-23 10:12:17

2018-04-18 10:37:27
Angel Hair Pasta with Shrimp and Greens

2018-04-17 16:13:59
Lemon-Blueberry Cheesecake Parfait

2018-04-17 15:26:10

2018-04-17 15:08:06
Four-Way Slow Cooker Shredded Beef

2018-04-17 14:55:20
Homemade Cheese Bread: Two way recipe

2018-04-16 10:37:43
Green Chickpea & Chicken Curry with Swiss Chard

2018-04-16 10:21:57
Tom Kha Thai Soup

2018-04-13 13:17:24
How to Make a Mounted Driftwood Planter

2018-04-13 13:01:56
Peanut Butter Bars with Salted Chocolate Ganache

2018-04-13 12:33:18
Spicy Thai Basil Chicken

2018-04-13 10:45:46
Mediterranean Chicken

2018-04-12 15:35:03
Schaum Torte

2018-04-12 15:14:33
DIY Wine Bottle Bird Feeder

2018-04-12 13:31:43
Lemon Garlic Shrimp

2018-04-12 12:51:47
Lasagna alla Vodka

Click here to see ALL articles.

Comment on this Article

Your Name:
Your Email:
Verify:  Please enter the numbers shown to help eliminate spam.