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Find the perfect Canyon Lake real estate agent

We analyze millions of home sales to find the best performing real estate agents.

Top Canyon Lake real estate agents

Canyon Lake, TX has 3,184 real estate agents and HomeLight compares performance data on all of them to find you the absolute best. The top 3% of agents in Canyon Lake do 1304 real estate transactions a year, while an average agent does 190. With expertise on your side, you’ll save significant time and money whether you’re a buyer, seller — or both!

"All of the Realtors that were provided to me were extremely professional, competent, and very accomplished. I would definitely recommend using HomeLight to anyone who wants to ensure they are working with the best of the best."

Latoya L.

See how 20 of the top REALTORS® and real estate agents in Canyon Lake stack up

Kristen Schramme
Keller Williams Legacy
About Kristen

Hello, my name is Kristen Schramme and I am a mother, big sister and team leader of Team Kristen Schramme. I started my real estate career back in 2006 and soon joined the most powerful real estate brokerage firm in the nation, Keller Williams Legacy. After paying my dues working for other teams I advanced my knowledge through BOLD real estate classes and began building up my own personal client base. In 2009 I fought through the great recession working hard while other Realtors vanished. Times were tough through 2011 but I continued to never give up and in 2012 I was headed for the top at the Keller Williams Legacy office in San Antonio producing $8.6 million dollars in total sales. In 2013 I was awarded the top producing agent award in my office eclipsing $10.9 million in total sales ranking me in the top 50 of all 7500 San Antonio Realtors. In 2014 I began building a strong team of Realtors to help assist my network of home buyers and in 2015 our team was awarded the top producing 2014 team award in our Keller Williams Legacy office grossing over $18 million in total sales and $30.2 million in team sales for 2015. In 2016 our team reached a new office record closing 182 homes and $43.7 million dollars in production. I’m a University of Texas-Austin Corporate Communication graduate and love Longhorn and Cowboys football, working out, and spending time with friends and family. Being involved in my community is very important to me and I’m a member and volunteer of Community Bible Church. My husband and I have five children that are active in church, choir, athletic leagues and youth groups. We love helping our children grow in their faith and attend church regularly at Community Bible Church in San Antonio. In order to be your best Realtor in San Antonio We utilize a consultative approach to ensure that your unique needs are understood and completely satisfied. We are committed to providing superior customer service before, during and after your real estate transaction to ensure a smooth home buying or selling experience for you. Real estate is my passion and we look forward to guiding through this exciting time!

Kristen's reviews

"Kristen and her team were absolutely incredible! You can’t go wrong! Lia was our agent and took care..."

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Single Family Home Transactions
190
Townhome Transactions
1
Condo Transactions
2
Achievements
  • Top Producer 2020
  • Top Negotiator 2019
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
Ask a question
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Lorraine Warhurst
Re/max Preferred, Realtors
About Lorraine

Helping Home Buyers and Sellers has been a great career for me. Prior to Real Estate I worked in Banking for many years and then took some time off with my children. I have always enjoyed helping people in some fashion or another and this has truly been a way to use that helping nature and also make a living. Buying or Selling a home should be a very enjoyable experience but at times can be stressful. I try my best to make sure my clients are informed and updated throughout the entire process to eliminate the stress and make it a pleasurable experience. I am happy to give you references from previous clients.

Lorraine's reviews

"We flipped then sold our aged parents' home after they moved to a facility. Lorraine led the entire ..."

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Single Family Home Transactions
61
Townhome Transactions
0
Condo Transactions
4
Achievements
  • Move Safe Certified 2020
  • HomeLight Home Loans Specialist 2020
  • Title & Escrow Specialist 2020
NAR Certifications
REALTOR®
Ask a question
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Erin Caraway Gregory
Keller Williams Realty Heritage
About Erin

The Erin Caraway Group is a team of real estate professionals dedicated to the success of your needs before, during, and after your real estate transaction. We bring experience and local knowledge to the San Antonio and New Braunfels real estate market, ensuring a successful real estate experience for all of our clients. We strive to be your # real estate source by upholding the fundamental principles of integrity and results for all of our clients. Whether buying, selling, or investing in real estate, contact us today. We look forward to hearing from you, and appreciate the opportunity to earn your business.

Single Family Home Transactions
150
Townhome Transactions
5
Condo Transactions
6
Achievements
  • Sells Homes Fast 2020
  • Top Producer 2020
  • Move Safe Certified 2020
  • Title & Escrow Specialist 2020
NAR Certifications
REALTOR®
Ask a question
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Ken Davis, USAF (Ret)
eXp Realty, LLC
About Ken

Ken Davis has been a licensed real estate agent for 20 years and in Texas for 15 years and is currently with eXp Realty in San Antonio. He is ranked as a San Antonio Platinum Top 50 and San Antonio Business Journal Top 50 agent. Ken has completed transactions in several areas including San Antonio, Bulverde, Spring Branch, New Bruanfels, Timberwood Park, Cibolo, Helotes and Canyon Lake. HomeLight ranks Ken as one of the top 4% of agents in San Antonio for successfully selling homes and as one of the top agents who are able to successfully complete transactions. HomeLight has information on 231 of Ken's transactions since 2009, 116 of which were in the past two years. Ken typically represents the seller (52% of the time), but has also completed 111 buyer transactions during this period. Ken has transacted in San Antonio more than any other area helping to buy or sell 89 homes including a 3 bedroom, 3.5 bathroom single family home on December 28, 2012 which sold for $470,000 and a 5 bedroom, 4.5 bathroom single family home on September 03, 2013 which sold for $699,527.

Ken's reviews

"Ken is very knowledgeable and knows the local market. He understood what we were looking for and sho..."

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Single Family Home Transactions
12
Condo Transactions
0
TIC Transactions
0
Achievements
  • Move Safe Certified 2020
  • HomeLight Home Loans Specialist 2020
  • Title & Escrow Specialist 2020
Ask a question
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Neal & Neal Team
Keller Williams Realty
About Neal & Neal

Recognized as one of the top-producing residential real estate teams in San Antonio, Neal & Neal Team prides itself on providing exceptional customer service, maintaining a strong and consistent understanding of the local real estate market dynamic, and developing marketing programs that focus on the needs of the client, rather than the interests of other outside influences. From commercial to residential properties, international to local clientele, Neal & Neal Team is able to offer proven, successful experience in various types of real estate transactions. Each client receives regular updates from an experienced team agent regarding the status of their transaction, and our unique expertise in and understanding of the local market provides clients with reliable information to base their decisions on. By utilizing cutting-edge technology as part of their business model, the Neal & Neal Team was able to help over 450 families in 2020. Our Team provide clients and member agents with the best tools available today. Whether you’re looking to purchase your first new home or sell your third, Neal & Neal Team is committed to your interests and facilitating a smooth, successful transaction in every case. Awards: The Neal & Neal Team is in Top 3 Real for Estate Team in San Antonio and surrounding areas. They have won many awards such as; Inc. 5000 Fastest Growing Companies in America (2019), San Antonio Business Journal Top 3 Real Estate Team 2 years running, Platinum Top 50 Real Realtors in San Antonio, #1 Keller Williams Realty Team in San Antonio.

Neal & Neal's reviews

"Listed my home and had multiple offers within a week. Great team to work with! They were quick to re..."

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Townhome Transactions
7
Single Family Home Transactions
750
Condo Transactions
27
Achievements
  • Top Negotiator 2020
  • Top Producer 2020
  • Sells Homes Fast 2020
  • Move Safe Certified 2020
  • HomeLight Home Loans Specialist 2020
  • Title & Escrow Specialist 2020
NAR Certifications
REALTOR®
Ask a question
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About Mark

Mark and France have been working together in and out of real estate for over 25 years. Teamwork has been their framework for getting the most out of their lives together, but real estate has been their passion. They are seasoned professionals with expertise in many facets of real estate. Their broad knowledge base is a major advantage for their clients. They have not only been real estate investors for over 25 years with a large portfolio of properties, but they also co-owned a construction and development company and have excelled in the world of residential, farm and ranch sales in Austin and the Hill Country since 2007. Mark is a former Navy SEAL and France holds a Masters in Social Work and a BA in Psychology which gives their clients two very different perspectives and approaches when it comes to real estate. Their combined skill sets and education are what make Mark and France the award-winning team they are today. They focus on West and Southwest Austin into the Hill Country, specializing in the Luxury Market. The key to their success is treating every client with the utmost care, and every deal as if it were their own. Mark is known for his tremendous dedication, determination, and negotiating savvy. France brings a detail-oriented and well-thought-out marketing plan. They are focused on their buyers’ and sellers’ best interests far above merely making a sale. Together, Mark and France Clausen have nearly three decades in the industry, are currently selling among the top .05% of agents in Austin and have the following achievements to their names: ● Residential Real Estate Top Team (The Austin Business Journal) ● Residential Real Estate Top Individual (The Austin Business Journal) ● Wall Street Journal REAL Trends Team Winner (top .05% nationally among real estate professionals) ● Dripping Springs Elite Founding Members ● Platinum Top 50 Winners, 2017 ● Austin Luxury League Member, 2016-Present ● Elite25 Member, 2015 “Our goal is to elevate real estate services in our market areas and for all our clientele. Joining with Compass affords us a national presence where we can utilize our local market knowledge, modern marketing strategies, networking, and current technology to provide our clients with a 5-star experience every time.” - Mark Clausen, principal “We treat each client how we want to be treated, acting as advisors, educators, and advocates. We assist in the big decisions and attend to every small detail. We are focused on quality service, attentive care, and outstanding results in every transaction. I make it my goal to navigate all obstacles with a keen solution-based focus.” - France Clausen, principal

Mark's reviews

"October 2018 We have loved working with Mark and France Clausen! They have represented us now in t..."

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Condo Transactions
0
Single Family Home Transactions
89
Townhome Transactions
0
Achievements
  • Sells Homes Fast 2020
  • Top Producer 2020
NAR Certifications
REALTOR®
Ask a question
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The Smartt Team
Keller Williams Realty
About The

Pam Smartt® Owner of The Smartt Team, LLC Licensed Real Estate Agent for 13 years I have lived in the New Braunfels/San Antonio area for over fifty years. With a strong faith and supportive family I am dedicated to giving back to my community both personally & professionally. Outside of real estate, I devote much of my time to activities supporting education and the students in the New Braunfels schools. I have been involved with the New Braunfels ISD Education Foundation since 2009. I love participating in my boys’ various activities, especially the New Braunfels High School Band Boosters. Go Unicorns! I have served on the Four Rivers Association of Realtors (FRAR) Board of Directors, the FRAR Governmental Affairs Committee, the Hill Country Chapter Women’s Council of Realtors, the FRAR Texas Real Estate Political Action Committee, and the FRAR Scholarship Committee. I also serve on the Keller Williams Heritage Associate Leadership Council. I am blessed to have been a multi-million dollar producer since 2005 and have been recognized as a top producer by the San Antonio Business Journal. I have been honored to receive the following awards: FRAR Realtor of the Year, Herald-Zeitung Readers Choice as Realtor of the Year, San Antonio Platinum Top 50, WCR Hill Country Chapter’ Entrepreneur of the Year and FRAR Comal County Positive Impact award. I bring experience in residential, farm and ranch, and commercial real estate. I am thankful each day for the opportunity to serve others in a profession that allows me to meet amazing people and to help make their dreams of home ownership come true. Paula Durocher® I have been in Real Estate for nearly 10 years now. I got into Real Estate in order to help individuals and families reach their goals and dreams of buying and selling their homes. The Real Estate process can be very overwhelming, and I pride myself on helping clients understand the process every step of the way. My husband and I of 21 years are raising our two children in Schertz; A small town located between San Antonio and New Braunfels. My children are the pride and joy of my life! I am very active with their school and their activities. My son is a Senior at Clemens High School and will be graduating this May. He loves soccer and has been playing ever since he was little. However, this year he decided to get a job and focus on getting ready for college. Currently, he has been accepted to a couple different universities and is weighing all his options. My daughter is a Sophomore at Clemens High School where she is on the Varsity cheer team as well as the UIL competition team. She is also involved in many other activities including the Wildlife team, DECA, and FFA – where she is raising her second lamb. I graduated from Southwest Texas State University and taught elementary school for 15 years in San Antonio before going into Real Estate. I joined Pam Smartt in 2010 and together we formed The Smartt Team, Your Smartt Texas Realtors. Having grown up in this area I can be a trusted resource for answers about our community. I have always been involved within my community and still am today. I have previously served on the Board of Directors for Four Rivers Association of Realtors in 2018 and 2019. I have been on the Scholarship committee since becoming a Realtor in 2010. Currently, this year I am Co Chair of the Programs committee for our association. I am active in The Women’s Council of Realtors, where I served as the 2017 President, and the 2016 President Elect. I am also active in TREPAC, and an Ambassador for The Chamber (Schertz, Cibolo, Selma). In 2011 I received the New Braunfels Board of Realtors Rookie of the Year award. Also, in December of 2015 I received the Women’s Council of Realtors Entrepreneur of the Year. I look forward to a great 2020 and to helping you with all your Real Estate needs. Patti McDaniel® After working in the Property Management industry for 21 years, I decided to make a change and become a licensed real estate agent. I love helping people find a place to call home in our beautiful city, and will go above and beyond for customer service. In property management, I won Manager of the Year, and Property of the year 3 times. I plan on bringing the same drive and passion into Real Estate. Currently, My husband of 26 years and I live in New Braunfels. We have two sons, Austin and Dakota. Austin is 25, in the Army, and is currently station stateside. Dakota is 23 and working for a mechanical contractor. Being a part of the community I live in is important to me. I have been a member of the Chamber of Commerce for the past 8 years, and I am Commissioner of the Landmark Historical Committee. I am a member of and was Treasurer of New Braunfels FFA, a member of the Comal County Junior Livestock Show and I recently joined the New Braunfels Women’s Chamber. My family has been in the New Braunfels, Schertz, and San Antonio area for my entire life. I know I will be able to help you find a home where you can set down roots and grow into our community, becoming intertwined in the culture and fun that defines and sets apart our area. Amy Drummond I joined The Smartt Team in April of 2016. After working in the Oil & Gas Industry for over 8 years I decided it was time for a change. I wanted to do something that would give me a sense of fulfillment. What better way to do that than to help people find their dream home? I am the Director of Transactions for the team and work very hard to help make the process go as smoothly as possible. I obtained my Real Estate license in July of 2017 and joined our local chapter of Women’s Council of Realtors to help me grow and network with other realtors in the area. Kendra Dietert I joined The Smartt Team in July 2019. I graduated from Texas State University with a Bachelors degree in Business Administration with a concentration in Business management. I am engaged to my fiancé of 6 1/2 years and will be getting married in April. I’m thankful to be given this opportunity to be the Director of Marketing and Operations for the team. I love learning new ideas, and having the ability to grow. I look forward to creating positive, long-lasting relationships with followers, clients and my co-workers.

The's reviews

"The Smartt Team is great! "

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Single Family Home Transactions
200
Townhome Transactions
1
Condo Transactions
3
Achievements
  • Top Producer 2020
NAR Certifications
REALTOR®
Ask a question
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Danni Springfield
Springfield Realty LLC
About Danni

Danni Springfield is committed to a consultative approach to real estate. With over $100 million in closed real estate transactions under her belt, she draws from extensive experience, market knowledge, and industry connections to help guide clients to make the best possible decisions for themselves. This is your house and this is your money. Danni doesn't lose sight of that, which is why 80% of her business originates from the referrals of past clients. You can count on Danni to be responsive, honest, and to keep her eye on the prize – a long-term relationship with you as your trusted real estate advisor. Danni has a proven track record of selling homes more quickly and for significantly more money than is typical in the San Antonio area. Awards/Designations: Managing Broker Accredited Buyers Representative Certified Residential Specialist '14 - '20 Platinum Top 50 Finalist or Winner '13 - '20 Texas Monthly 5 Star Service Professional San Antonio Business Journal Top 50 Teams in Residential Real Estate Danni Springfield specializes in single family home and land sales. We’ve recorded data for 233 of Danni’s transactions. Danni prefers to work with both sellers and buyers. Here’s what we know about Danni’s work: - Danni recently sold one home for $810,000. - this real estate agent is skilled in fast home sales: they have listings that have sold in as little as 2 days. - Danni is a top dollar real estate agent. Danni Springfield ranks at the top of the pack--they qualify as a top 1% real estate agent in San Antonio. HomeLight considers this real estate agent a closer because they have sold 133 more homes than the average agent in the area.

Single Family Home Transactions
29
Condo Transactions
0
Townhome Transactions
4
Achievements
  • Move Safe Certified 2020
Ask a question
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Dean Aitken
Keller Williams Heritage
About Dean

We are the BestSAHomes Real Estate Team and we would love to work with you. We are ranked in the Top 1% of agents in San Antonio and the SA Business Journal ranks us #24 out of 12,000 agents. There are lots of agents to choose from and many are good. We recommend you choose one that has the experience and knowledge to help you with your single largest investment. We are on pace to sell over 100 homes this year for a total of over $30M. We bring over 20 years of marketing and research knowledge to each client. Buying or selling a home is one of the most important decisions of someone's life and we believe in doing extensive research to get the most money for selling your home and the best price when purchasing.

Dean's reviews

"Very satisfied with him and his wife. "

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Condo Transactions
8
Townhome Transactions
2
Single Family Home Transactions
160
Achievements
  • Top Producer 2020
  • Top Producer 2019
  • Move Safe Certified 2020
  • HomeLight Home Loans Specialist 2020
  • Title & Escrow Specialist 2020
NAR Certifications
REALTOR®
Ask a question
View profile
Dana Phillips
Phillips and Associates Realty
About Dana

Dana Phillips is a professional REALTOR in the San Antonio, Tx area. 2017 US News & World Report Top 20 Agents in Texas 2017 Business Journal #1 Residential REALTOR 2017 Platinum Top50 REALTOR 2013-2018 Platinum Top50 REALTOR Centurion Award Over $300,000,000 in Residential Sales "I would be honored to assist you in your home purchase or sale. With over 20 years of experience in the real estate industry in Texas, I have the abilities, contacts and resources to help my clients buy or sell real estate faster, for more profit and with the best customer service."

Dana's reviews

"Dana was very easy and polite to speak with regarding the intital interview process to sell our home..."

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Single Family Home Transactions
55
Condo Transactions
1
Townhome Transactions
1
Achievements
  • Top Producer 2020
  • Move Safe Certified 2020
  • HomeLight Home Loans Specialist 2020
  • Title & Escrow Specialist 2020
NAR Certifications
REALTOR®
Ask a question
View profile

Find your perfect real estate agent in Canyon Lake

Why you need a top real estate agent in Canyon Lake, TX

Canyon Lake, TX has 3,184 active real estate agents. The average real estate agent in Canyon Lake sells about 190 homes and each home spends about 84 days on Canyon Lake's housing market. Let's see how the top 3% perform in comparison.

Top Seller's Agents

Top seller’s agents in Canyon Lake sell 1.9x more homes, and close 1.4x quicker. With a top agent by your side, you’ll save $15,324 more than with an average agent.

Sale Price / List Price (%)

Days on Market
Lower is better

Homes Sold / Yr


Top Buyer's Agents

Top buyer's agents in Canyon Lake save their clients $41,463 on their new home. Buyer's agents in Canyon Lake buy 1.8x more houses than the average agent.

Condos Sold / Yr

Homes Purchased / Yr

Sale Price / List Price (%)
Lower is better

Ratings and reviews of top real estate agents in Canyon Lake, TX

Top Agents
5 stars
Avg. Agents
3.9 stars

Top real estate agents in Canyon Lake score an average rating of 5.0 out of 5 stars, compared to the typical Canyon Lake agent who scores only 3.9 stars. We collect the latest ratings and reviews of top real estate agents in Canyon Lake and update them here to show you what their past clients have to say.

"The HomeLight service was great!.. We were even able to close sooner than expected. It was really a wonderful experience... "

A Rogers.

HomeLight Client

"...This was a truly a timesaving measure as I was out-of-state and needed someone who would go above and beyond to help my parents get their house sold as quickly as possible. You absolutely paired us with the best agent! "

Donald F.

HomeLight Client

"The HomeLight website was easy to navigate and the agent matching was excellent. I would recommend HomeLight to anyone wanting to sell a home in Austin or nearby areas. It made selling a house easy!"

Debbie P.

HomeLight Client

Find the perfect agent or REALTOR® for your favorite Canyon Lake neighborhood

Based on the available transaction data for homes bought and sold in Canyon Lake, top agents are frequently doing deals in Canyon Lake Hills, Canyon Lake Forest, and Rancho Del Lago.

Canyon Lake Hills

Active Agents326
Time on Market147
Avg. Sale Price$258,012

Canyon Lake Forest

Active Agents241
Time on Market136
Avg. Sale Price$208,755

Rancho Del Lago

Active Agents128
Time on Market108
Avg. Sale Price$252,524

Find top real estate agents in cities near Canyon Lake, TX

San Marcos

Active Agents717
Time on Market101
Avg. Sale Price$247,900

New Braunfels

Active Agents2,416
Time on Market91
Avg. Sale Price$258,900

Schertz

Active Agents1,989
Time on Market69
Avg. Sale Price$246,900

Converse

Active Agents2,180
Time on Market69
Avg. Sale Price$189,000

Timberwood Park

Active Agents1,968
Time on Market82
Avg. Sale Price$357,000

Frequently Asked Questions

How is my mortgage rate determined?
Mortgage rates are a pretty complex business with many different factors influencing the rate you’re offered on a given day. Some of these factors are outside your control, like economic data and market forces. Other factors that lenders look at are based on your financial history and the details of your home purchase, including:
  • Your income and credit profile
  • Down payment amount and cash reserves
  • Any other assets
  • Property location and type
  • Loan type
  • Type of interest
Read more
What’s the difference between fixed-rate and adjustable-rate?
A fixed-rate mortgage means your rate and mortgage payment will remain the same throughout the life of the loan (though your taxes and insurance can go up over time). With an adjustable rate mortgage, you start out with a lower introductory rate for a period of time and after that period ends, your rate adjusts with the market periodically.
Read more
How do I evaluate lenders and choose the right one?
If you’re looking to save money on your mortgage, it’s important (and easy!) to do some comparative rate shopping. Getting five quotes can knock an average of 0.166% off your rate, and it only takes a few minutes. Here’s how to do it: Reach out to five prospective lenders and make sure to have the following information on hand: the home’s purchase price, your down payment amount, and your estimated credit score. Pro tip: Make sure to request a closing cost breakdown so you can see what kind of lender fees each company charges. Lender fees are one of the biggest ways buyers are surprised by higher mortgage costs than they prepare for. Once you’ve got your lender quotes, it’s time to crunch some numbers and compare:
  • Rates
  • Lender-specific fees (examples: origination fee, application fee, credit report fee, broker fee, rate lock fee, points)
  • APR
These three pieces of information should give you good context for comparing lenders. Though keep in mind, rate isn’t the whole story. Your lender should meet your other needs too. Are they communicative and do they get back to you quickly? Do they have a strong presence in your local market? Perhaps they boast some of the fastest closing timelines in your area? Don’t be afraid to ask questions and feel out different communication styles before landing on a favorite.
Read more
How do I get the lowest rate? Is the lowest rate always best?
The lowest rates are typically reserved for the buyer with strong finances, a credit score of 740 or higher, and a down payment of at least 20%. Of course, most buyers don’t tick all those boxes. To get the lowest rate possible, improve your credit score, make a larger down payment, and keep your debt-to-income ratio low. And don’t skip shopping around for rates! But what if you’re nowhere near a 20% down payment, or your credit score isn’t quite where you’d like it to be? Talk to a lender. You might be more ready to buy a home than you think. Sometimes waiting to improve your situation so you can score a lower rate isn’t worth it, especially when home prices are escalating faster than what most buyers can save. Plus, low rates aren’t guaranteed — market forces could send them climbing at any time.
Read more
Should I look at APR or rate? What’s the difference?
APR is the total cost of financing your home. It’s your base mortgage rate plus any lender fees and finance charges on your loan. Because APR factors in lender fees, it’s typically a better, more all-inclusive indicator of your loan costs than looking at rate alone.
Read more
Why does a 15-year fixed mortgage have a lower rate than a 30-year?
APR stands for annual percentage rate. With a 15-year loan, you’re only paying interest for 15 years instead of 30, so you’ll enjoy a lower rate and pay significantly less interest over time. That said, your monthly payments will be much higher with a 15-year loan, because you’re paying off that balance in a much shorter time frame. Most buyers opt for a 30-year fixed loan so their monthly payments are more affordable.
Read more
What’s the deal with points and credits?
Points allow you to “buy down” your mortgage rate by prepaying some of your interest. Usually, one discount point costs 1% of the loan amount and lowers your interest rate by 0.25%. Some lenders also offer credits, where you can pay a higher rate in exchange for cash to cover some of your closing costs. Credits are considered negative points, and a 0.25% increase in rate will usually give you 1% of your loan amount in cash to offset closing costs.
Read more
What mortgage terms do I need to know?
  • Mortgage rate: Your mortgage rate is the interest you pay on your home loan.
  • APR: Your APR is the interest you pay on your home loan plus lender and financing fees, all rolled into one all-inclusive rate.
  • Fixed-rate mortgage: A fixed-rate mortgage has the same mortgage rate over the entire loan term and the payment amount never changes (except taxes and insurance can go up over time).
  • Adjustable-rate mortgage: An adjustable-rate mortgage features a lower introductory rate for a period of time, followed by periodic market rate adjustments.
  • Monthly payment: Your monthly mortgage payment is the amount you pay each month for your home loan, typically including principal, interest, taxes, and insurance.
  • Principal: Principal is the initial loan amount.
  • Interest: Interest is what the lender charges you to borrow money.
  • Points: Points allow you to lower your mortgage rate by paying the lender some interest upfront.
  • Closing costs: Closing costs are the fees you pay to close on your new home. They include lender fees and other third-party fees like property taxes, title insurance, and escrow.
  • Rate lock: Most lenders offer the opportunity to lock in your rate for period of time — typically between 30 and 90 days — while you close on your new home.
Read more

Check out some of our other resources for Canyon Lake homeowners

Homes for sale in Canyon Lake
Discover your perfect home in the neighborhood of your dreams.
Sell your house in Canyon Lake fast
Find out what cash buyers are willing to pay for your home right now.
When's the best time to sell your home in Canyon Lake?
Use housing market data in Canyon Lake to learn the best and worst months to sell your home.
Find out what your home is worth
Get a free estimated value of your home in less than 2 minutes.
How much commission do real estate agents make?
Use this calculator and real estate agent commissions data to find out.
Advice from America’s Top Agents
Get the latest real estate tips and learn how to sell your home faster and for more money.

Find your perfect real estate agent in Canyon Lake, TX