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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm Saturday 12pm - 5pm

The Sigman Team at Legacy Mutual Mortgage

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San Antonio, TX
The Sigman Team at Legacy Mutual Mortgage

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Loan Officer NMLS # 219055
Mortgage experts that provide white glove service and create raving fans. Josh Sigman
Vice President/Sr.

Loan Consultant
The Sigman Team
NMLS #219055

10/30/2026

Real estate builds wealth through leverage, but that stays a buzzword until someone makes it concrete. Put $12,000 in the stock market and have a great year at 10%, you made $1,200. Put that same $12,000 down as 3% on a $400,000 house, and the house appreciates 5%, that's $20,000. Same $12,000 out of pocket, but $20,000 instead of $1,200.
That's the whole game.
Send this to whoever says real estate isn't worth it.

10/29/2026

Waiting for the perfect rate feels responsible.
But there’s another side of the equation.
When rates fall, you’re probably not the only buyer who notices.
More buyers can mean more competition. More competition can mean higher prices.
So the question isn’t simply, “What will rates do?”
It’s whether the numbers make sense for you today.
You may have the opportunity to refinance a rate later.
You don’t get to go back and renegotiate what you paid for the house.
Don’t build your financial plan around perfectly timing the market.
Know your numbers. Buy when the math works. Keep your options open.

10/28/2026

There might be a rental property hiding in your backyard that you already own. It's called an ADU, a garage conversion, a basement apartment, a small build, and more cities are loosening the rules for them. Two things happen at once, a new stream of monthly rent, and a home worth more than the same property without a legal unit. That's equity you forced.
You didn't buy a second property. You made the one you own pay.
Save this and go look up your city's ADU rules.

10/27/2026

Your first home doesn’t have to be your dream home.
It can be a tool.
A duplex gives you something a traditional starter home doesn’t: someone else helping cover the mortgage.
You live on one side.
You rent the other.
You may be able to buy with far less down than most people assume.
Is it glamorous? Maybe not.
But building wealth rarely starts with the perfect setup.
Sometimes it starts with one extra door, a little inconvenience, and a willingness to think differently about what your first home can do for you.
You don’t have to start rich.
You have to start strategically.

10/27/2026

The 1031 exchange only works on investment properties, not your primary residence. Sell a property and you can't touch the cash, a 1031 company holds the funds in escrow while you reinvest in something equal or greater in value. You get 45 days to identify the next property and 180 days to close, or you owe the capital gains and lose your fee. Done right, it defers taxes you'd otherwise pay at over 20%, for a fee of around $5,000.
The more money you have to reinvest, the faster your wealth compounds.
Follow, share, and subscribe for more wealth building tips.

10/26/2026

Buy the worst house on the best street, not the nicest house on an average one. A pretty house on a mediocre block has a ceiling you'll never renovate past. On a great street, your neighbors set a ceiling that's already high, and you bought in underneath it. Fix the kitchen, redo the floors, and your value climbs toward theirs. That matters most in a flat market, when prices aren't lifting everything automatically.
You can always fix the house. You can never renovate the dirt.
Save this before your next showing.

10/23/2026

Cost segregation analysis is a hot topic in investment properties right now, and it isn't for everybody, but it can save thousands. Normally you depreciate a rental property over 27 years. A cost segregation study, usually $10,000 to $15,000, has someone break down the fixtures, electrical, walls, floors, and appliances, then push most of that depreciation into the first 5 to 7 years. That creates a massive tax write off early on, though you'll recapture some of it when you sell. For serial investors buying, fixing, and repeating the cycle, it's an excellent way to build wealth. Follow for more tips that can save you money.

10/22/2026

A few months can make a very expensive difference.
When you sell your primary residence, there can be a significant tax advantage if you meet the ownership and use requirements.
For many homeowners, that can mean excluding up to $250,000 of gain from federal taxable income, or up to $500,000 for certain married couples filing jointly.
But timing matters.
Selling just before you meet the requirements could completely change the tax outcome.
This is why I’m such a believer in slowing down before big financial decisions.
The purchase price matters.
The sale price matters.
But the rules surrounding the transaction matter too.
Before you sell, know what your calendar could be worth.
Sometimes the smartest financial move is simply knowing the rule before you make the move.

10/22/2026

When you outgrow your first home, the instinct is to sell and roll the cash into your next one. If you locked a low rate from the twos, selling hands that away forever, and that cheap loan is an asset by itself. If rent would cover the mortgage and then some, keep it. A tenant pays it down while you move into your next place. Most people sell their first home. The wealthy turn it into their first asset.
Send this to anyone about to list their starter home.

10/21/2026

The IRS will let you claim a loss even when your property is going up in value. It's called depreciation, and not knowing about it is why a lot of people never touch rental properties. You deduct a slice of the building's value every year as if it's wearing out, even while it appreciates and rents roll in. That paper loss can offset taxes on your rental income, while the asset rises and a tenant pays the mortgage. This isn't a loophole. It's written right into the tax code. Follow for how property actually works behind the scenes.

Address

San Antonio, TX

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm
Saturday	12pm - 5pm

Telephone

+12102879119

Website

http://www.thesigmanteam.legacymutual.com/

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