John Veltkamp Real Real Estate

John Veltkamp Real Real Estate John Veltkamp Real Real Estate Page! Over 28 years of experience. Sticking to one thing and getting good at it. ® REALTOR® With 25 yrs.
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You have someone in your corner!! of experience to help both my clients reach their goals in Real Estate. Commercial as well as Residential Experience. My network of traditional buyers and sellers includes everyone from the new graduate buying a condo to the executive completing an international relocation or finding the right office building. With helping over 1800+ clients in my career my knowle

dge has also proven to be valuable in assisting investor clients with profit analysis and exit strategies. As a native Central Texan I bring a wealth of knowledge and expertise about real estate here. You need someone you can trust for up-to-date information. Finding or selling your next property you need someone who knows this area inside and out! I can work with your goals to find or sell the right property. Residential or Commercial. Call me today.

One of my clients got hacked-this week.  DO NOT USE THE SAME PASSWORD FOR MORE THAN ONE WEBSITE.🔐 Using the same passwor...
05/14/2026

One of my clients got hacked-this week. DO NOT USE THE SAME PASSWORD FOR MORE THAN ONE WEBSITE.

🔐 Using the same password everywhere? You're one data breach away from losing it ALL.
When hackers steal credentials from one site, the first thing they do is try them on your email, bank, and social accounts. It's called credential stuffing — and it works because most people reuse passwords.
✅ Use a unique password for every account ✅ Let a password manager remember them for you ✅ Enable two-factor authentication wherever possible
Your Netflix password should never be your bank password. Ever. 🚫



The easiest way to change all your passwords at once is by using a password manager. Watch this video to learn the step-by-step process of changing your pass...

Interesting read..
05/12/2026

Interesting read..

Founded in 1871, The Phoenix Saloon made history as the first bar in Texas to serve women. In an era when it was considered improper for a lady to enter a saloon, the owners created a clever solution with a beer garden out back that had a bell hanging from a tree. Women could ring for service, enjoying a drink without ever stepping inside.

05/11/2026

At 101 years old, World War II veteran and Battle of Iwo Jima survivor Joseph Caminiti is still proving that the human body is built to last.

Born in 1924, Caminiti has spent over eight decades maintaining a level of discipline that most struggle to find in their twenties. He continues to drive himself to the gym five days a week for hour-long sessions, combining treadmill work with weight machines to maintain his mobility.

For Caminiti, independence is the ultimate goal. He still lives at home with his wife of 78 years, and he credits his longevity to a simple, non-negotiable rule: keep moving. His philosophy is that exercise isn't something you retire from; it’s the very thing that keeps you from having to slow down.

As he moves through his second century, Caminiti remains a living masterclass in functional fitness. He serves as a reminder that while genetics play a role, it is the daily, decade-long commitment to movement that truly defines our healthspan.

(Before May 15th)-Protest your Property TaxesIf you own property in Central Texas, you’ve likely opened your appraisal n...
05/11/2026

(Before May 15th)-Protest your Property Taxes

If you own property in Central Texas, you’ve likely opened your appraisal notice and wondered, “Is this number really right?” The truth is—you can challenge it—but you need to understand how the system works before you jump in.

Let’s break down what actually matters when protesting your property taxes in counties like Bexar, Comal, Guadalupe, Hays, Caldwell, Bandera, Kendall, Atascosa, Wilson, and Medina.

Step 1: Don’t Start With a Protest—Start With a Meeting

Your first move should not be filing a formal protest.
Instead, schedule a meeting (informal review) with your county appraisal district.

Across Central Texas counties, a large percentage of disputes are resolved at this stage:

Bexar County resolves a significant portion of cases informally each year
Comal & Guadalupe Counties encourage informal meetings to reduce formal hearings,
Hays and Caldwell Counties consistently report quicker resolutions when owners meet first,
Medina County often sees lower assessed values adjusted during informal reviews,
This step saves time, stress, and often gets results faster.

Big Challenge #1: January 1st Valuation

This is where most people get stuck.

Your property value is based on market conditions as of January 1st of the current year—not today.

That means:

Recent price drops don’t help you much
New listings or market shifts after January 1st may not count
Your comparable sales must reflect values around that date
👉 Translation: It’s harder than it looks to argue value using current data.

Big Challenge #2: Property Condition Assumptions

Counties typically assume your home is in average or good condition unless you prove otherwise.

If you’re trying to lower your value:

Don’t overwhelm them with minor issues
Focus ONLY on major items like:
Foundation problems
Roof damage or age
Major outdated interiors (not cosmetic)
Structural or functional issues
👉 If you don’t show it clearly, they assume your home is in solid shape.

Your Evidence Must Be Physical

This part trips people up every year:

✅ Bring printed, organized documents
❌ Do NOT rely on your phone

Counties expect:

Printed comparable sales
Printed repair estimates
Printed photos of damage
If it’s not on paper, it often won’t be considered seriously.

Use Strong Comparable Sales (Comps)

Not all comps are equal.

The best comps are:

Close in location (same neighborhood if possible)
Similar in size, age, and style
Sold near January 1st valuation date
👉 The farther away or more different the comp is, the less weight it carries.

Have a Target Number Before You Walk In

Don’t just say, “This feels too high.”

Walk in knowing:

What you believe your home should be assessed at
Why that number makes sense based on comps and condition
This gives you leverage and shows you’ve done your homework.

Deadline Matters: May 15th

For most Central Texas counties:

Protest deadline is typically May 15th
Miss that date, and your options become extremely limited.

Final Takeaway

Protesting your property taxes isn’t about arguing—it’s about presenting a clear, well-documented case.

If you remember anything, remember this:

Start with a meeting, not a fight
Use January 1st data
Prove major condition issues only
Bring everything printed
Know your target value
Do it right, and you give yourself a real shot at lowering your tax burden.

If you want help reviewing comps or preparing your case, reach out—I deal with property values across Central Texas every day. :::

John

More Money, I'll take it.
05/08/2026

More Money, I'll take it.

You have MORE BORROWING POWER in 2026 if you want an FHA loan than you had last year. Do you know WHY? https://fha.com/fha-loan-limits

This could be HUGE for a lot of DPA programs.
05/08/2026

This could be HUGE for a lot of DPA programs.

The White House has proposed a 13% cut to the U.S. Department of Housing and Urban Development's budget, labeling several programs as funding 'woke and leftist organizations,' and the National Association of Realtors is pushing back hard. The proposed budget would completely eliminate Community Development Block Grants, HOME, and the Pathways to Removing Obstacles to Housing program, cutting a combined $4.6 billion.

Showing some buyers a home they went and liked a house that was listed a little different. The Seller would be at the sh...
05/08/2026

Showing some buyers a home they went and liked a house that was listed a little different. The Seller would be at the showing-I started piecing together his experience with the home so far. He had been working through a “discount” brokerage on the listing side, one of those setups where you get just enough service to get the property on the market… but not enough to protect the outcome.

Within minutes, I could tell something wasn’t right.

He told me about a previous offer that had already fallen apart. Time wasted. Momentum lost. And now he was “taking another shot,” as he put it—essentially gambling on a second contract without really understanding why the first one failed.

As I asked questions—carefully, professionally—I started uncovering gaps. Not small ones either. Fundamental ones. The kind that costs real money.

Of course, I’m not at liberty to disclose specifics about his situation, and to be fair, he didn’t even realize the mistakes he’d made. That’s the part that stuck with me the most. These weren’t reckless decisions—they were UNIFORMED ones.

And that’s exactly what happens when experience is missing from the equation.

Here are the patterns I see over and over again when a transaction lacks a seasoned, full-service agent:

Overpricing from the start
Without a strong pricing strategy backed by real market data, properties sit. Days on market grow. Buyers start asking, “What’s wrong with it?” Eventually, price reductions follow—and they almost always overshoot what proper pricing would have achieved in the first place.

Appraisal shortages
When a property isn’t aligned with true market value, the appraisal comes in low. Now you’re renegotiating under pressure—or worse, losing the deal entirely. That alone can cost thousands. Not having knowledge on how apprasiers work costs him tens of thousands of dollars directly.

Poor showing strategy
Showings aren’t just about unlocking a door. Timing, preparation, presentation, feedback—all of it matters. I’ve seen listings lose serious buyer interest simply because they weren’t positioned correctly during showings. He had no idea.

Lack of negotiation skill
Contracts aren’t won on price alone. Terms matter—option periods, concessions, timelines, repairs. Inexperienced handling leaves money on the table or kills deals outright. His ignorance precluded him from considering EVERY offer. Which is fine and his prerogative. A good agent would pay for themself directly in this stage in most cases.

Misunderstanding the title commitment
This is a big one. Title commitments are not casual reading. Easements, restrictions, encumbrances—these can impact value, use, and even future resale. Missing something here could lead to a costly surprise later.

Ineffective contract management
Deadlines missed. Contingencies misunderstood. Repairs mishandled. One small oversight can snowball into thousands of dollars—or a terminated contract. This one cost him time with his property.

Failure to control the process
Real estate transactions are not passive, or they shouldn't be. They require constant management, communication, and anticipation. Discount models often leave that responsibility sitting with the client… who doesn’t know what they don’t know.

As I listened to him, I realized this wasn’t just one mistake—it was a chain reaction. Each gap in representation compounded the next. Conservatively, just from what I could see, it had already cost him $20,000 to $30,000.

And that’s only what was visible on the surface.

The truth is simple, even if people don’t like hearing it: using an EXPERIENCED real estate agent isn’t an expense—it’s protection. It’s strategy. It’s leverage. A seasoned agent doesn’t just help you buy or sell—they help you avoid costly mistakes you didn’t even know were possible.

Blaming the market, timing, or “bad luck” is easy. But more often than not, what people call bad luck is actually the cost of inexperience. And in real estate, that cost is measured in thousands—sometimes tens of thousands—of dollars that didn’t have to be lost.

More than 1 in 3 who received Down Payment Assistance say they couldn’t have bought their home without it.According to a...
05/07/2026

More than 1 in 3 who received Down Payment Assistance say they couldn’t have bought their home without it.

According to a LendingTree survey, 40% of homeowners received financial assistance when purchasing their current home, up from 35% in 2023. Much of the increase came from Gen Z and millennial buyers.
78% of Gen Z homeowners received assistance
56% of millennials
35% of Gen X
12% of baby boomers
What’s surprising is that income doesn’t appear to play a major role. Assistance rates were nearly identical for households earning under $30,000 and those earning more than $100,000. In fact, 43% of homeowners earning less than $30,000 received assistance, compared to 42% of homeowners earning $100,000 or more.

New Braunfels San Antonio San Marcos Canyon Lake

Survey of People that Had DPA

DATA CENTERS- I know San Marcos, TX and other towns that have flat-out not wanted these data centers coming to town. I a...
05/05/2026

DATA CENTERS- I know San Marcos, TX and other towns that have flat-out not wanted these data centers coming to town. I am hearing as many a 3 are planned for Lockhart.
Nearly half of Americans (47%) oppose the construction of an AI data center in their neighborhood, while 38% support it, according to a Redfin-commissioned survey conducted by Ipsos.
Opposition to data centers is higher than resistance to other types of development. Just 37% of respondents oppose a new apartment complex in their neighborhood, while 31% oppose a new mixed-use development.
Opposition to converting single-family homes into multi-unit dwellings came closest to data center resistance, at 46%.
Younger Americans are more likely to support nearby data centers. Half of millennials and 48% of Gen Z respondents said they support data center construction in their neighborhoods, compared with 38% of Gen Xers and 22% of baby boomers.

New Braunfels San Antonio San Marcos Canyon Lake

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144 Clemens
New Braunfels, TX
78130

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