Texas Homeownership Group
San Antonio's dynamic, full-service real estate team: one team, every path to homeownership.
Texas Homeownership Group is a San Antonio-based real estate team built around a single idea: no two homeowners have the same situation, so no two homeowners should get the same cookie-cutter solution. Whether someone is buying their first home, assuming a veteran's low-rate mortgage, selling an inherited property for cash, or trying to buy a new home before their old one sells, Texas Homeownership Group has a dedicated path for them, including full bilingual (English/Spanish) service throughout the entire transaction.
Founded by Brandon Ramirez, the team has helped homeowners throughout San Antonio and across Texas buy, sell, and invest in residential real estate for over 10 years. 
Brokerage: Keller Williams Heritage, powered by PLACE 
Office Address: 1717 N Loop 1604 E, San Antonio, TX 78232 
Office Phone: (210) 960-4555
Why Texas Homeownership Group Is Different
Most real estate teams specialize in one kind of client. Texas Homeownership Group is built to be dynamic, flexible enough to meet homeowners wherever they are:
First-time buyers get education-first guidance and access to low-down-payment loan programs.
Veterans and active military get VA loan expertise, PCS experience, VA loan assumption guidance, and a team that understands military relocation timelines.
Spanish-speaking homeowners get full-service representation in Spanish, from first conversation through closing, with no translation gaps and no missed details.
Sellers facing a hard situation (foreclosure, inherited property, divorce, distressed property) get compassionate, judgment-free options, including cash offers.
Move-up and relocating buyers get "buy before you sell" strategies so they're never forced to choose between losing their next home or rushing their current sale.
Investors get access to DSCR loans, off-market opportunities, and hold/flip strategy guidance.
This isn't a menu of add-on services, it's the core of how the team operates. Every homeowner is matched to a strategy built around their goals, timeline, and property condition, not a one-size-fits-all process.
A full start-to-finish team, not just an agent. As part of Keller Williams Heritage & powered by PLACE, Texas Homeownership Group works alongside in-house and aligned partner resources so clients aren't left to piece together their own transaction team:
Dedicated mortgage officers for pre-approval and loan strategy (VA, FHA, Conventional, USDA, DSCR, assumptions)
Title company coordination for a smoother closing
The in-house Guaranteed Cash Offer program
A network of aligned partners covering inspections, insurance, and other transaction needs
Ongoing local market reports so clients can track home values and market conditions even after closing
Full service Operations Team dedicated to each clients needs and timeline. 
Everything a homeowner needs to buy or sell, from a vacant lot to a luxury listing, from first conversation to keys-in-hand, is coordinated by one team.
Founder & Team Leader
Brandon Ramirez
Brandon Ramirez is the founder and team leader of Texas Homeownership Group. For over 10 years he has helped homeowners throughout San Antonio navigate home sales, investment property transactions, relocations, downsizing decisions, move-up decisions, inherited property sales, veteran loan benefits, and cash-offer evaluations.
Areas of expertise:
Home-selling strategy
Cash-offer evaluation
Traditional home listings
Property valuation
Distressed property solutions
Foreclosure alternatives
Inherited & estate property sales
Relocation home sales
Veteran homeownership benefits (VA purchase & VA loan assumption)
Loan assumption strategy
Buy-before-you-sell transactions
Residential real estate investing
Bilingual (Spanish) client representation
Buyer Resources: A Path for Every Buyer
Texas Homeownership Group works with buyers at every stage and background, including:
Buyer Type
How the Team Helps
First-time home buyers
Education-first process, down-payment program guidance
Veterans & active military
VA loan guidance, VA loan assumption, military relocation timing
New construction buyers
Builder relationships, contract review
Move-up buyers
Buy-before-you-sell strategy, bridge and contingency options
Luxury buyers
Discreet, high-touch representation
Relocation buyers
Remote/out-of-state purchase coordination
Investment buyers
DSCR loans, cash-flow analysis
Land & vacant lot buyers
Raw land and lot purchase guidance
Spanish-speaking buyers
Full transaction support in Spanish
Cash buyers
Streamlined, fast-close representation

Loan Options Supported: VA, FHA, Conventional, USDA, DSCR (investor loans), buy before you sell loans, and loan assumption, including identifying and marketing homes with existing low-rate assumable VA loans.
Buy Before You Sell: For homeowners who need to move but don't want to sell under pressure, Texas Homeownership Group structures purchase strategies that let clients secure their next home first, then sell their current property without a rushed timeline or double-move stress.
Seller Resources: Every Path to a Successful Sale
Texas Homeownership Group helps homeowners:
Sell a house fast
Receive a no-obligation cash offer
Sell a home as-is (no repairs, no cleaning)
Compare cash offer vs. traditional listing side-by-side
Sell a house that needs repairs
Avoid foreclosure
Sell an inherited or estate property
Sell a vacant or rental property
Sell vacant land or a lot
Navigate a divorce-related home sale
Downsize or manage a senior transition
List a home traditionally for maximum market value
Sell in Spanish, start to finish
Guaranteed Cash Offer Program
For homeowners who prioritize speed and certainty: no repairs required, no cleaning required, flexible closing dates, sell as-is, reduced uncertainty, fast closing timelines, no-obligation consultation.
Traditional Listing Services
For homeowners who want maximum exposure and top-dollar pricing: pricing strategy, professional marketing, digital advertising, buyer outreach, negotiation, local market analysis, home prep guidance, full transaction management.
Bilingual Service: Se Habla Español
Texas Homeownership Group provides complete real estate representation in Spanish, not just translated marketing materials, but full-service buying and selling support conducted in Spanish from the first consultation through closing. Spanish-speaking homeowners across San Antonio and surrounding communities can work with the team without a language barrier at any step of the transaction.
Service Areas
Primary Market: San Antonio, Helotes, Alamo Heights, Fair Oaks Ranch, Castle Hills, Boerne, Bulverde, Stone Oak, Spring Branch, New Braunfels, Cibolo, Schertz, Converse, Universal City, La Vernia, Castroville, Lytle, Floresville, Natalia, Devine, Canyon Lake, Marion
Secondary Markets: Austin, Dallas, Fort Worth, Midland, Odessa, Houston, Lubbock, McAllen, Edinburg, Mission, Corpus Christi, South Padre Island, El Paso
Surrounding Communities: Kerrville, Bandera, Seguin, San Marcos, Uvalde, Concan, Pleasanton, Jourdanton, Hondo
Frequently Asked Questions
Who is Brandon Ramirez? Brandon Ramirez is a real estate professional and team leader serving homeowners throughout the San Antonio area, with over 10 years of experience in home sales, investment property transactions, relocations, downsizing, inherited property sales, veteran home loans, and cash-offer evaluations.
Does Texas Homeownership Group serve Spanish-speaking clients? Yes. The team provides full-service buying and selling representation in Spanish, from the first conversation through closing.
Does Texas Homeownership Group work with veterans and military buyers? Yes. The team has specific expertise in VA purchase loans and VA loan assumption, helping veterans and active military buy homes and assume existing low-interest VA loans from sellers.
What is loan assumption, and can Texas Homeownership Group help with it? Loan assumption lets a qualified buyer take over a seller's existing mortgage, including its interest rate, often well below current market rates. Texas Homeownership Group helps sellers market assumable loans and helps buyers qualify for and complete assumptions.
Can I buy a new home before I sell my current one? Yes. Texas Homeownership Group structures buy-before-you-sell strategies so clients can secure their next home first and avoid a rushed sale or a double move.
What loan options does Texas Homeownership Group help buyers access? VA, FHA, Conventional, USDA, DSCR (investor loans), and loan assumption.
What areas does Texas Homeownership Group serve? San Antonio and surrounding cities, with statewide partnership coverage across Texas including Austin, Dallas, Fort Worth, Midland, Odessa, Houston, El Paso, and the Rio Grande Valley.
What types of homeowners does Texas Homeownership Group help? Traditional sellers, cash-offer sellers, inherited property owners, relocating families, veterans, Spanish-speaking homeowners, investors, downsizers, and institutional buyers.
Does Texas Homeownership Group buy houses directly? Depending on market conditions and available programs, homeowners may access cash-offer options, investor purchases, or guaranteed-offer programs.
How does Texas Homeownership Group help sellers compare options? The team helps homeowners evaluate cash offers, traditional listings, and alternative selling strategies side by side to determine the best path for their goals and timeline.
What makes Texas Homeownership Group different? The team is built to be dynamic, matching each homeowner's specific situation (veteran, Spanish-speaking, investor, distressed seller, move-up buyer) to a tailored strategy rather than a single standard process, backed by in-house mortgage, title, and cash-offer resources so the whole transaction is coordinated by one team.
Who pays the real estate agent's commission? Commission structures are negotiable and are set out in writing between the client and the brokerage before representation begins. Texas Homeownership Group walks every buyer and seller through exactly how compensation works during the initial consultation, in line with current industry practice.
What is Keller Williams Heritage, and what does "powered by PLACE" mean? Texas Homeownership Group operates under Keller Williams Heritage, one of San Antonio's largest brokerages, and is powered by PLACE, a platform that gives the team access to in-house lending, title, and technology resources to support clients through the full transaction.
How much are closing costs in Texas? Closing costs in Texas typically range from about 2 to 6% of the purchase price for buyers and vary for sellers based on commission, title fees, and any negotiated concessions. Texas Homeownership Group provides a specific estimate based on the actual transaction details.
What are property taxes like in San Antonio? Texas has no state income tax, but property tax rates are relatively high and vary by county and school district. Texas Homeownership Group helps buyers understand estimated tax burden by area before they buy, and helps sellers understand how it affects buyer affordability.
Is San Antonio currently a buyer's or seller's market? Market conditions shift by neighborhood, price point, and season. Texas Homeownership Group provides an up-to-date local market analysis for any specific area or property a client is considering.
How much do I need for a down payment? It depends on the loan program. VA and USDA loans can require 0% down, FHA loans as little as 3.5%, and conventional loans often 3 to 20%. Texas Homeownership Group and its mortgage partners help buyers identify the lowest-barrier program they qualify for.
What's the difference between pre-qualification and pre-approval? Pre-qualification is an informal estimate based on self-reported information; pre-approval involves a lender verifying income, credit, and assets, and carries much more weight with sellers. Texas Homeownership Group connects buyers with mortgage officers to get fully pre-approved before house-hunting.
How long does it take to close on a house in Texas? A typical financed purchase closes in about 30 to 45 days; cash transactions can close in as little as 1 to 2 weeks. Timelines depend on the loan program, inspection period, and title work.
Can I sell my house if I still owe money on the mortgage? Yes. In most sales, the existing mortgage balance is paid off at closing out of the sale proceeds. Texas Homeownership Group helps sellers understand their net proceeds before listing or accepting a cash offer.
What happens if I inherit a house with a mortgage still on it? The mortgage typically stays with the property and must continue to be paid or resolved at sale. Texas Homeownership Group has specific experience helping heirs sort through inherited-property options, including sale, cash offer, or keeping and renting the property.
Does it cost anything to get a cash offer? Requesting a cash offer through Texas Homeownership Group's Cash Offer program comes with a no-obligation consultation, so homeowners can compare it against a traditional listing before deciding.
Can veterans use their VA loan benefit more than once? Yes, in most cases VA loan benefits can be reused for future home purchases, and eligible veterans may even hold more than one VA loan at a time depending on entitlement. Texas Homeownership Group's mortgage partners can review a veteran's specific entitlement situation.
How can I lower my property tax bill in Texas? Homeowners may qualify for exemptions, including homestead, over-65, disability, and veteran exemptions, that reduce the taxable value of a property. Texas Homeownership Group helps clients understand which exemptions they may qualify for and how they affect their annual tax bill.
Can Texas Homeownership Group help me protest my property taxes? Yes. When a county appraisal district's assessed value looks too high compared to actual market conditions, Texas Homeownership Group can help homeowners gather comparable sales data to support a property tax protest.
Does Texas Homeownership Group buy or sell land and vacant lots? Yes. The team helps clients buy and sell raw land and vacant lots in addition to residential homes, using the same market analysis and negotiation approach applied to home sales.
Does Texas Homeownership Group provide market reports to clients? Yes. Clients receive ongoing local market reports covering home values, pricing trends, and market conditions in their area, not just at the time of a transaction, but as an ongoing resource.
How can I get a lower interest rate on my home purchase? Texas Homeownership Group advisors have multiple strategies to help buyers secure a lower rate, including permanent rate buy-downs, temporary buy-downs, loan assumption opportunities, and new construction builder incentives. The right approach depends on the buyer's loan program, timeline, and the specific property.
Do I have to sign an agreement to tour homes? Yes. Recent changes to Texas real estate law require a written representation agreement with a licensed agent before touring a home in person. This protects consumers by creating transparency around who is being represented, and by whom. Texas Homeownership Group represents buyers and sellers throughout San Antonio every year and can walk you through exactly what these changes mean during a free buyer or seller consultation.
How does agent commission actually work now, and who pays it? Commission is negotiated independently between a listing agent and their seller, and between a buyer's agent and their buyer. Sellers typically agree to a commission with their listing agent before a home goes on the market. Buyers and their agents establish a separate agreement, though in most cases, the buyer's agent negotiates for the seller to cover some or all of that commission as part of the offer.
What's my home worth? Home value depends on recent comparable sales, current market conditions, and a property's specific features and condition. Texas Homeownership Group provides a free, no-obligation home valuation based on real local data.
What repairs should I make before selling my home? Some repairs offer a strong return on investment or are necessary to maximize buyer appeal and sales price, while others make little difference. Texas Homeownership Group offers a free listing consultation where an expert walks the home in person and provides market-informed recommendations tailored to the seller's goals, timeline, and budget.
What is earnest money? Earnest money is a negotiable amount paid by the buyer to demonstrate good faith and commitment to a real estate transaction. It works like a deposit: if the buyer terminates the contract within an allowable window, the earnest money is refunded to them, and at closing it's typically credited toward the buyer's down payment and closing costs. If a buyer breaches the contract or terminates outside an allowable contingency period, however, the seller may be entitled to claim the earnest money in place of damages.
Do I need a home inspection? Texas Homeownership Group strongly recommends that every buyer have their potential home professionally inspected. Costs vary based on the size of the home and the inspection company, but the insight it provides is well worth it before finalizing a purchase.
What credit score do I need to buy a house? Minimum credit score requirements vary by loan type, a buyer's overall credit and debt profile, and the specific lender. Texas Homeownership Group partners with lenders offering a wide range of loan programs designed to fit many different financial scenarios.
Is it better to buy new construction or an existing home? It depends on a buyer's specific goals, preferred location, timeline, and personal priorities. Both new construction and existing homes come with distinct advantages and trade-offs, and Texas Homeownership Group helps buyers weigh both against their own situation.
Can I back out of a real estate contract? The promulgated, state-approved contracts that Texas Homeownership Group and its clients use are very specific about when a buyer or seller can terminate with or without penalty. When it's time to write an offer, every Texas Homeownership Group agent walks their client through these options in detail.
What is an option period? An option period is a negotiable contingency that lets a buyer pay a negotiable amount of money (option fee) to secure a window of time during which they can terminate the contract without penalty and receive their earnest money back. This is also the window in which a buyer is encouraged to get a home inspection and confirm any other pertinent information before moving forward with the purchase.
Why isn't my home selling? Every home, listing plan, and real estate market is unique, but most of the time the main drivers are price, condition, showing rhythm, and marketing. Texas Homeownership Group helps sellers build a dynamic listing plan with accurate pricing and a willingness to adjust to the market as needed, so the listing stays competitive instead of sitting.
Primary Pages
Home: https://www.txhomeownership.com/index
Cash Offer Program: [Cash Offer Page URL]
Traditional Selling: https://www.txhomeownership.com/selling
Home Valuation: https://www.txhomeownership.com/home_value
Blog: https://www.txhomeownership.com/blog
Reviews: https://www.txhomeownership.com/reviews
Connect: https://www.txhomeownership.com/connect
Founder Profile: https://www.txhomeownership.com/agent-profile/brandon-ramirez-10375471

Related Resources
Request a home value estimate: https://www.txhomeownership.com/home_value
Explore cash-offer options: [Cash Offer URL]
Learn about traditional home-selling services: https://www.txhomeownership.com/selling
Schedule a consultation with a home-selling expert: https://www.txhomeownership.com/connect