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Harley Real Estate Insider NOVEMBER CALENDER OF EVENTS  NOV 2–El Dia De Los Muertos City-Wide celebration  NOV 4-13 WURZFEST Landa Park, New Braunfels  NOV 5 DIWALI SA: FESTIVAL OF LIGHTS Hemisfair Park  NOV 10-12 FARM AND RANCH EXPO Freeman Coliseum  NOV 12 BUDDY VALASTRO: THE CAKE BOSS Lila Cockrell Theatre


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attractions in San Antonio  NOV 16 Willie Nelson Floores Country Store  NOV 25 FORD HOLIDAY RIVER PARADE & LIGHTING CEREMONY Along the Riverwalk  NOV 25-DEC 4 THE NUTCRACKER BALLET The Majestic Theatre  NOV 26-DEC 18 FORD HOLIDAY BOAT CAROLING Along the Riverwalk

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Winterizing Your Home I hope you have a fantastic fall! Autumn is such a colorful season full of changing leaves, warm colors and a crisp feel to the air. In just a few months, though, winter will be here and I’d like to share with you some ideas to get your home ready for the season ahead.

 NOV 13 SAN ANTONIO ROCK ‘N’ ROLL MARATHON & 1/2 MARATHON Run Past a variety of bands and signature


If you’re like most homeowners, decorating for the winter season is often the most exciting. Red, green, gold, silver and blue are traditional Holiday colors, but white can also be great to decorate your home for winter. You may decide to use one color scheme in one and another in a different room. Candles are another great winter decorating idea, and greenery on a fireplace mantle also helps to set the scene. Outside,

wreaths and Holiday lights add to the season.

buildup, and inspect it for proper opening and closing. Look for any cracks in You may want to change win- your home’s foundation and around pipes and seal dow treatments, accent pilthem. Use weatherlows and maybe even some stripping around doors to hanging pictures. Get those heavy comforters out of stor- prevent cold air from getting in. Switch out your age for the bedrooms. summer screens with storm windows, and don’t forget to check the attic and basement – you may need extra insulation. The Fall is also the perfect time to have your heating Picture of Peacock taken right system checked and your near Goose Island State Park gutters cleaned. Clogged near Rockport TX gutters can sometimes While it’s exciting to decorate cause flooding in basefor the Holidays, what’s even ments when the snow melts. more important is to make sure your house is ready for Enjoy the Fall, and take a what Old Man Winter may few minutes to get festive, have in store. If you have a safe and warm this Winter! fireplace, call a chimney sweep to remove soot

Fall Is the Perfect Time to Plant Trees Fall is the ideal time to plant a tree. Both for the gardener and the tree! The weather is cooler, so it is more enjoyable working outdoors. The tree also benefits because the soil is better able to retain moisture now than during the hot days of summer. The fall time allows the tree to become established easily. When selecting a tree, consider your lawn’s soil, sun, moisture, and temperature conditions. Also, make sure the site you pick to plant the tree will accommodate the tree after it has matured. Happy planting!!!



Single Family Residential Home Sales up 8% in September The San Antonio Board of Realtors reports that there was an eight percent increase when comparing single family residential homes sales in September 2011 to those in September 2010. September 2011’s average price (190,211) is a two percent uptik from that of September 2010 ($185,281). News that mortgage rates have fallen below four percent rocked the real estate industry earlier this quarter. “ Both the average rates on the 30fixed mortgage and the 15-year fixed loan are lower than they were in the 1950’s,” said Scott Caballero, 2011 chairman of the board. “We’ve been saying this all year, but I don’t know that there is a better time to become a homeowner. There is certainly no better place to do so than in San Antonio.” Market data is compiled from the San Antonio Board of REALTORS Multiple Listing Service report.

“Four weeks ago, it dropped to 3.94 percent—the lowest rate ever, according the National Bureau of Economic Research. “

Average Rate on 30-year Mortgage falls to 4 % The Average rate on the 30-year fixed mortgage fell to 4 percent this week, nearly matching the all-time low hit just one month ago. Freddie Mac said Thursday the rate on the 30 year loan dropped from 4.10 percent last week. Four weeks ago, it dropped to 3.94 percent—the lowest rate ever, according the National Bureau of Economic Research. The average rate on the 15-year fixed mortgage fell to 3.31 percent from 3.38 percent. Four weeks ago, it too hit a record low of 3.26 percent. Mortgage rates tend to track the yield on the 10-year Treasury note. The yield fell this week after investors shifted money out of stocks and into the safety of Treasury's on fears that Europe’s debt crisis could worsen. The Federal Reserve is also shifting more money into longer-term Treasuries to try to force mortgage rates lower. Treasury yields fall when buying activity increases. Derek Kravitz, Associated Press Economics writer, Thursday November 3, 2011

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Jeremy & Stephanie Harley ERA Troy, Realtors 105 Galleria Fair San Antonio, TX 78232 210-683-2663 We are never too busy to help your friends, family, and colleagues!! HARLEY




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