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Call the center food stamps in the government's Supplemental All animal shelters and vet clinics can scan for more information. With connivance from Army troops, they stashed their planes in an old hangar at Fort Sam Houston, and their success forced Washington to relent, make their ad hoc operation official and transfer it to the Coast Guard, which had trained pilots and mechanics. To reserve tickets, call famous battle, it has not only become a symbol the sights as you float by. Parents of children turning 4 years certified by the Department of Defense and old by Sept.

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Find information housing expenses as a percentage of income residence. Monday through Friday Pharmacy Box , Atlanta, GA Active-duty military from out of state don't have to register or title their vehicles in Texas; go to www. A sugar relationship is very simply a relationship based upon mutual spoiling Language Institute English Language Center in Era of Texas Independence securing their claim to vast lands in North The natives were relatively willing recruits and Early Statehood America.

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Be bold, take the initiative! Write to any users that interest you - after all, there's no such thing as having too many friends. Talking with people from different countries will definitely increase your life experience, too. The 85th squadron traces its lineage program. The 47th Force Support Squadron performs was activated in at McChord Field, south The 85th was one of the first squadrons to administrative functions needed for normal of Tacoma, Washington.

Its mission was mainly receive the B Tornado, America's first jet anti-submarine patrols flying the B medium operations including those for military and bomber, which it flew until the mids, bomber. The After several name tweaks, in the vices, family support, professional military 85th Bombardment Squadron was deactivated squadron was redesignated the 86th Flying education and wing mentoring.

It also provides Training Squadron and replaced the th Pilot facilities and leisure activities that encourage, Training Squadron at Laughlin AFB, though develop and maintain the mental, physical and from to , it trained co-pilots for the social well-being of all active-duty military, AY Strategic Air Command. In the 20 years before retirees and their family members associated a deactivation in , the 86th Flying Training with the base.

Bus service is available from San Antonio mission. Travel time is about three and a half of Defense beneficiaries and also must ensure The closest commercial flights land at San hours.

Call Greyhound at or Kerr- medical readiness for war and other worldwide Antonio International Airport, about miles ville Bus Lines at for schedules contingencies. Transportation is not provided and costs, or coordinate travel arrangements Today the 47th Medical Group is composed to the base.

Highway southwest from San Angelo, medicine, aerospace physiology, optometry, arrival time and flight information, if applicable, Texas, to Del Rio, then U. Highway 90 east to health and wellness, dental, bioenvironmental before your arrival at Laughlin Air Force Base. Laughlin is eight miles east of Del Rio. Sponsorship is vital to the relocation process. The front gate on U. Your then drop southeast on U.

Highway 90 from medical readiness. The front gate on until you are settled into your new community. The squadrons under the group of San Antonio on U. From the ness Center at Monday through Friday, bringing all personnel, medical and financial records with you. The Blue Service uniform is worn during in-processing, and you will need enough uniforms for your six days with the detachment.

If you arrive during nonduty hours, on a weekend or holiday and need assistance, go to the hour arrival point in Laughlin Manor, Bldg. When you in-process with the Military Personnel Ele- ment, you will be given an appointment to attend a Newcomers Orientation Event. This is to ensure student in- T. The Transition Office is in R. Call for OTY more information. At orientation, you will be To that end, the wing provides a wealth of TAFFS greeted by base leadership, meet local commu- medical services that include dentistry, family S nity representatives and receive all your manda- health, flight medicine, immunizations, lab HOTOBY tory in-processing briefings, including medical.

A encouraged to attend. Monday through Thursday or 8: Remember, if you see network providers, being assigned to Laughlin Air Force Base. Temporary lodging can accommo- States. Inbound and outbound per- Follow these simple steps to ensure you have may differ by region.

For a complete description of the different priority and may stay up to 30 days. Monday through Friday Laughlin has four pet-friendly temporary submit a new Prime enrollment form within The Laughlin Air Force Base Housing Man- lodging accommodations, but if they are occu- 30 days if you're moving to a new region.

The installation Prime option. If you move to a new Prime ser- nity, and provides resources to familiarize new- does not have on-base boarding for pets. Those arriving at Laughlin Air but their policies change and you will need to Change Form to your regional contractor. Be Force Base should visit the Housing Manage- contact them for current policies. Active-duty service Unaccompanied Housing 47th Medical Group members are required to enroll in one of the Fourth St. Monday through Friday Pharmacy Any active-duty Unaccompanied housing is provided for unac- http: Continued on Page 54 http: You may also E.

Permanent party unac- istrative communication for on-base distribution PETS companied housing consists of single-occupant and off-base transmission and delivers personal Veterinary Services rooms, a shared bathroom and an in-house mail to enlisted dorm residents.

Official mail can be dropped off by authorized Pets belonging to personnel who live on Unaccompanied airmen in the rank of E-4 unit representatives during normal Official Mail Laughlin Air Force Base must be licensed with more than three years of service will move Center customer service window hours, 11 a. Pets into housing in the local community. For more informa- Laughlin Family Housing licensed by the city where they reside. In addition to your option Fourth St. The vet is available by appoint- with Hunt Companies, which owns the family Laughlin AFB postal needs are handled ment only once a month; dates and times of housing and is responsible for maintaining, by the Official Mail Center, which rents post availability are published in advance.

To receive mail deworming to blood tests and treatment for for general delivery, use the following address: For comprehensive information about homes infections. Call for hours and and amenities available in the Laughlin priva- Your name and rank services. Mail Room two pets dog, cat, bird or fish aquarium , and no Laughlin AFB, TX pet weighing over pounds will be accepted, MAIL If you plan to live in the dormitory perma- nor will certain breeds of dogs, including pit Though postal drop boxes are situated nently, request a PSC mailbox in advance.

Air Force Chaplain Corps is dedi- cated to preserving your right to worship, and the chapel staff and faith community leaders work hard to provide a comprehensive spiritual and religious program for the base community. If you are seeking spiritual support for any denomination or faith group, they will do their best to assist you.

Active-duty military from out of state don't have to register or title their vehicles in Texas; go to www. S Like all U. The center provides a safe, nurturing envi- http: Stripes a one-stop information and referral center and Fourth Street, Bldg. The special needs and their family members. Family and individual counseling services are coordinator can be reached at Monday through Friday the families are reassigned.

The goals are to graduate programs on base: Programs include full- vices and is mandatory for those eligible for State University in Del Rio www.

A computer lab is and digital magazines; periodicals and newspa- Bldg. The library offers story time By appointment only, 6: Tournaments are offered in table tennis, Friday mornings and summertime ice cream Monday through Friday foosball, Nintendo, air hockey, basketball, parties.

Summer For detailed information about the recre- weekend care, care for children with special camps from June into August develop interests ational programs at Laughlin Air Force Base, needs, infants and school-age children as well and skills in areas from sports to geocaching, visit the 47th Force Support Squadron online at as care during swing and midnight shifts. Tuesday through Saturday http: Providers must At the Auto Craft Center, there are many tools 9 a.

Monday through Thursday, be certified by the DOD, and some seek addi- that can be used to keep your vehicle safely on 9 a. Friday tional accreditation from the National Associa- the road. The following and no more than two children less than 2 years http: Parental deployments, frequent http: Tuesday and 8 to 9 a. Notary during all stages of transition to ensure that door arena, a round pen, a quarantine area and public service and power of attorney preparation children receive every opportunity for quality parking for horse trailers.

There are facilities can be handled on a walk-in basis during regular education. A monthly work day and chores http: Monday through Friday attorney and durable powers of attorney.

Monday through Wednesday, http: AI Friday and Saturday http: HOTO you can escape to read, research or meditate. In-store amenities IRMA and specialties include a bakery, deli, fresh sand- wiches to go and party cakes.

A sports apparel and bikes. Check the website for dates at each location. Frame Shop range, horse stables, a boat and trailer storage Liberty Avenue, Bldg.

Monday through Friday trailers. Visit the website for downloadable bro- to be your first choice for shopping. Its price- The Frame Shop can provide expertise, chures on what's available and about hunting match program guarantees you the lowest prices frames, mats, prints and posters, and arts and on base. Hours of operation for services outside crafts resources as well as classes, engraving, the Main Exchange vary so call or visit the web- Southwinds Marina self-help framing, a gallery, gifts and awards.

Monday through Friday, http: Thursday through Sunday 10 a. Concessions beverages, snacks and a golf pro shop for all http: All other play is first come, first served during the week. Tournaments and catering can be booked through the golf course manager, and the golf course can be reserved for small or large tourna- ments. The catering service offers an array of selections from hors d'oeuvres to steak cookouts. Monday through Friday, 10 a.

But the Alamo is only San Antonio is on the southern edge of the Antonio is the seat of Bexar County in south one of five historic missions in San Antonio. At Texas Hill Country. Many of the nearby towns Texas. Hill Country today has a San Antonio is the seventh-largest municipality the early s at one of the four other mis- unique culture that blends traditions, cuisine in the U. It encompasses square miles, and sions Spanish explorers established along the and architecture -- from the old-world charm more than 1.

Joint Base San Antonio- the present. Nearly 50 miles of in modern San Antonio. Fiesta, San Antonio's signature Antonio and Medina rivers offer residents a slew Before the establishment of the Spanish mis- event, is 11 days long in April.

It originally of outdoor recreation options. San Pedro Springs sions, Native American tribes had long been commemorated the victory over the Mexican Park, the second-oldest municipal park in the associated with the San Antonio area.

Coa- army in the Texas Revolution but has since nation, features the MacFarland Tennis Center huiltecans were hunters and gathers ranging grown to be inclusive of the diverse local cul- and a pool filled by the springs. San Antonians throughout south Texas and northeastern tures. Today, the Alamo is the Shrine of Texas play a lot of golf -- there are more than 50 golf Mexico, following the seasonal availability of Liberty -- often considered a must-see for most courses in the city.

It was the first char- in the siege of Bexar in December and the battle 16th century. For the Spaniards, the accul- tered civilian settlement in Texas and served as of the Alamo in March Era of Texas Independence securing their claim to vast lands in North The natives were relatively willing recruits and Early Statehood America. With few soldiers or settlers, Spain's for the missionaries as their population was From to the city was a part of the claim to these areas in the face of encroachment decimated by European disease and they Republic of Texas until being annexed into the by France and England depended on the success faced an ongoing struggle against encroaching Union.

In , San Fernando was renamed of the missions. Presidios, a system of frontier nomadic tribes from the north and south. The San Antonio and became the seat of Bexar military outposts, were established near the mis- natives found food and refuge in the missions County.

The Mexican War to led to sions to protect Spain's expanding territory. After Texas entered the union Increasing hostility from the mission natives' Spanish expeditions in and explored in , San Antonio grew as a servicing and traditional enemy, the Apache, and later the the area and named the San Antonio River distribution center for the western movement Comanche, coupled with inadequate military and San Pedro Creek.

Beginning in , five of the United States. In , all missions are closed San Antonio during the Civil War of the river to evangelize the Native Americans by order of the Spanish government, and in and Reconstruction of the region.

Early the next year, the king later called the Alamo, became a barracks for for 15 years before Texas formally seceded on of Spain approved the Marques de San Miguel Spanish soldiers from Alamo de Parras, Mexico. March 2, , and like the rest of the country, de Aguayo's proposal to transport families from From through the mids political it was divided with conflict and controversy.

By March , 15 families arrived and Fernando, and when hostilities between Texas Sam Houston refused to declare loyalty to the the villa of San Fernando de Bexar was founded and the Mexican government erupted in , it Confederacy. He was removed from office by between the San Antonio River and San Pedro became a base of operations and battlegrounds the Texas secession convention. The base the state seceded. San Antonio then served as presence.

San Antonio celebrated its th birthday has 1, active-duty military, 1, civilians, a Confederate depot, and several Confederate in when it held the World's Fair, HemisFair 1, family members, 72 reservists, 32 foreign units were formed. The Tower of the Americas was the theme student pilots and contractors who live and structure of the fair, and today it is among the work on and around the base. The Lying miles west of San Antonio along cattlemen who drove the longhorns north to U. Del Rio is the county American cowboy.

In shared with Mexico, and the Amistad National experts. Use the chambers' online membership , John Dobbin was appointed marshal and Recreation Area. Del Rio connects with its directories to connect with local businesses as transformed the police force from a frontier, neighbor, Ciudad Acuna in Coahuila, Mexico, by you settle into your new community.

Fort Sam Houston was the Rio Grande. Railroad service reached The Del Rio region is semiarid, with a mix of Chamber of Commerce the city in , and street car operations began desert shrub and steppe vegetation, depending San Antonio Chamber of Commerce too. Two years later, Western Union brought on soil type, with several acacias, cacti and E. Summers San Antonio, TX The Gunter Hotel in San Antonio served 90s or higher. To connect with a local as headquarters in Texas for the construction of What began as Laughlin Army Air Field in chamber, visit www.

Old Spanish Trail during the s. Overexposure also causes wrin- temperature has mild fluctuations from summer kling and premature aging of the skin. The average annual temperature is pletely. Depending on the thickness of the cloud into its news and entertainment options online. July and August are usually the cover, you can still burn on a cold and dim day, From local news media or commercial radio, you warmest months of the year with an average so be prepared with sunglasses, sunscreen, long- can get a better feel for the vibe of your new town temperature of 95 degrees.

Most precipitation sleeved garments, wide-brimmed hats and a from the comfort of your armchair at home. While more likely at certain times of year, http: A severe Television stations Every second counts in a disaster so planning thunderstorm can knock out power, bring high CBS: Pay attention to storm NBC: Department of Home- trical appliances, plumbing fixtures and use only Radio stations land Security to strengthen local and national a cordless telephone in an emergency.

Do the same with other KBBT People should seek do before, during and after an emergency. You should take shelter immediately during a flash to the arrival of its subsequent thunder -- is Flash Floods tornado warning. A flash flood watch is issued National Weather Service's website at www. Avoid when flash flooding is expected to occur within http: A flash Tornadoes like a heavy table, and cover your body with flood warning is issued for life- and property- Tornadoes can develop quickly, with minimal a blanket or mattress to protect yourself from threatening flooding that will occur within six warning, so it is important to have a plan in place flying debris.

During a flash flood watch or warning, before they occur. If a tornado watch is issued, For more information on tornado prepared- stay tuned to local radio or TV stations or a weather conditions favor the formation of tor- ness, visit the Centers for Disease Control and National Oceanographic and Atmospheric nadoes, such as during a severe thunderstorm.

Prevention website at www. If you are outdoors during a rainstorm, seek higher ground. Avoid walking through any floodwaters -- even water 6 inches deep can sweep you off your feet.

If you are driving, avoid flooded areas. The majority of deaths in flash floods occur when people drive through flooded areas. Roads concealed by water may not be intact.

Water only a foot deep can displace a vehicle. If your vehicle stalls, leave it imme- diately and seek higher ground. Rapidly rising water can engulf a vehicle and sweep it away.

Airlines and United Airlines. Shuttles provide transportation to the rental car Del Rio, TX Most car companies to choose from. Call for hours of operation and ticketing Corpus Christi and beyond are easy to plan.

Amtrak schedules, or book online. Del Rio Station http: There Airport Blvd. Amtrak's local commercial rail service station are 7, bus stops along 91 bus lines, which San Antonio, TX Previously metro, express, skip and downtown circulator. San Antonio International Airport sits just known as Sunset Station, the building was built The VIA's service area is 1, square miles, northeast of downtown San Antonio, less than in in the Spanish Mission Revival style and which is 98 percent of Bexar County, providing 30 from the Joint Base San Antonio installa- was listed on the National Register of Historic nearly 46 million passenger trips in Owned and operated by the city of San places in For information on routes and For information on fares, route maps and the Antonio, it is the fifth-largest airport in the state, fares, visit www.

Monday and Wednesday http: Tuesday Distracted Driving Interstate 10 runs east and west, its arteries S. Monday and Wednesday email, accessing the Internet, play games as well as Two major interstates run north and south, with through Friday, 8 a. Tuesday other uses of the device. The law also bars drivers Interstate 35 linking northward with Dallas and S. Corpus Christi on the Gulf of Mexico. Monday and Wednesday Texas places no restrictions on adult drivers' Interstate , commonly called Loop , through Friday, 8 a.

Tuesday use of personal electronics but does bar drivers does just that: Major freeways include U. Highway 87, east- Universal City, TX Highway , State http: Monday and Wednesday Highway and the outer State Loop Schedule an Vehicle Registration cycles, bicycles and pedestrians; traffic cams; car- appointment at its nearest office and find many Applications associated with driving and pools; driver education and safety; and much more.

Department of Motor Vehicles. Find informa- The department's San Antonio District offers tion, including DMV forms, requests for driving information about area construction projects, Driver's Licenses records and more specifically geared toward traffic jam coalitions and more at Active-duty military personnel and their members of the military at www.

Monday through Thursday, The state spells out what is required road closures and travel advisories, and to view 7: Friday for licensing and insurance under various live traffic cameras. Fol owing these 10 rules wil ensure a safe and courteous journey. Know where you're going before you start. Be wel -informed about 7. Posted maximum speeds are for ideal driving conditions. Adjust weather and road conditions or traffic activity on your route.

For longer trips, your speed for traffic, road and visibility conditions or when not operating at your include a rest stop every two hours, sooner if you are tired. Pack an emergency best. Higher speeds magnify errors and decrease response times. It helps to ration kit of water and nonperishable food items such as energy bars. Always wear your seat belt: Seat belts keep you in control and ready to react to a to take evasive action in emergencies.

Everyone should wear a seatbelt while in the vehicle. Read your owner's manual and fol ow the recommended 3. Put the phone down: A mobile phone is great for roadside emergencies. But using schedule for maintenance service. Routinely check tires, brakes, lights, wipers a phone while you drive drastical y reduces your reaction time to al situations. Pack a flashlight, blanket and first-aid kit. In cold climates, pack Minimize distractions by concentrating on the road, not objects, people or events extra warm clothing.

Carry a mobile phone for emergencies. Move your disabled vehicle: If your car breaks down, move it off the road away 4. Scan the roadway continually for hazards. Keep your from traffic if possible. Warn other drivers by raising the vehicle's hood or using eyes moving, looking from one side to the other.

Know what is happening well your hazard lights, then stay inside and ask passersby to cal police. If unable to in front of you; watch for brake lights. Use the mirrors to keep an eye on traffic move the car out of traffic, get al passengers to exit the vehicle and move to the beside and behind you. If you must walk to a phone, keep your group together. Pedestrians, bicyclists, motorcyclists, vehicles of varying sizes, Don't drive while impaired: Never drive while under the influence of alcohol, pre- as wel as drivers of various ages and skil levels, al have a right to use the road.

Slow down and give others time and space to proceed safely. Treat them as if Not only wil you put yourself and your passengers in danger, but a traffic violation they were a dear friend -- they are to someone. Don't be a driver 6. Be predictable and courteous and signal your intentions if you think you are going to drink.

Road rage and normal fatigue can also impair so other road users know what you plan to do next. Use your horn or headlights, your response time. Be calm, wel -rested, alert and attentive any time you get if necessary. The year's coldest month usu- ager, who oversees day-to-day operations and Spanish mission whose fall galvanized Texan ally is January average low The city is home to the National Basket- hospitality.

The influences of Native Americans, ture is just a shade over 69 degrees. The city is ball League's San Antonio Spurs www. Fans of "futbol" get of life paired with a relatively low cost of living and Randolph Air Force Base consolidated their fix with the San Antonio Scorpions www.

Census, with a total of 2. Population and organized by a council-manager form of Recreation Department maintains public density in San Antonio was 2, per square mile government. Each district elects a representa- parks and other facilities, including a sunken in , the census found.

The city sits on about tive to the council, with the mayor chosen in garden theater, a wilderness park known for rare square miles of land and enjoys a humid a citywide vote. The council functions as the birds and terrestrial orchids, indoor and outdoor http: If the items can't be replaced, carry them and conservatory.

Start by looking in with you. Decide on the type of move those close to you at www. Withdraw the birthplace of the spicy stew otherwise known Four weeks prior to move savings. Why not sample dren in school. Get children's transcripts, textbook list sale of your home. Set aside items you will need imme- Pace picante sauce as well?

Ask teachers to write descriptions of each student's achievement level, interests and any unusual courses diately upon arrival -- a few dishes, pots and pans, For information about city services, go to its taken.

The median new home. Don't forget your pets' veterinary records. Send change-of-address National Rental Price Monitor. Median selected directions to your new residence as well as primary cards to friends, subscription services, creditors, monthly owner costs for housing units with a and secondary contact numbers or email addresses.

Review any damage to your belongings nomic Research Cost of Living Index found the tax-deductible moving expenses. Enlist the help of a reputable real estate agent Check on deposits. Some states Following are some of San Antonio's better- prohibit certain plants, so research before you move. The old Pearl Brewery is here, University with its soaring spires, St.

University and the Basilica of the National that the U. Highlights include the McNay Art has increasingly drawn middle-class families where the government's southern route to the Museum, first modern art museum in Texas; the and first-time home buyers to make it one of California gold rush, the El Paso Road, crossed Witte Museum; Brackenridge Park and the San the fastest-growing areas in the metropolis.

Zenas Bliss, who was and the Japanese Tea Gardens. I do not believe that there is a atop old irrigated farmland that once fed the one of the most colorful parts of Texas. By the late s prosperous German families were moving in, building imposing homes in Greek Revival, Ital- ianate and Victorian styles.

Restoration began in earnest in the s, and now the whole area is a National Register Historic District. Many residents enjoy the trails and picnic spots of the Medina River Recreation Area. Northeast Side also houses The Forum, one of the state's largest shopping centers with almost 70 stores, and Rolling Oaks Mall. Today Amistad Reservoir, jointly owned contemporary, move-in ready two-, three- and besotted judge named after a British actress he by the United States and Mexico, draws boating, four-bedroom homes in a community where you'l never met.

From through the para- fishing, swimming, scuba diving and water- be surrounded by support from other military military Black Seminole Scouts, 50 soldiers skiing enthusiasts year-round. Of and settlers along the U. The post office for what humid summers. Winter snow or freezing rain Lackland AFB Homes' on-site maintenance team was now "Del Rio" opened in , the first are surprising enough to raise comment.

And you're invited to school started with 15 students in , and the and August are the hottest months average high take part in the award-winning LifeWorks pro- Episcopal diocese built the first church there 97 degrees , December and January the coldest gram, which provides residents of al ages with a in , though a tornado blew it away almost average low 41 degrees and the average annual wide variety of fun and educational activities and immediately.

Population density events at no cost. There are no deposit, applica- In the Galveston, Harrisburg and San in was 1, people per square mile. Most utilities are included and Antonio Railway came, and with easy access, Del Rio is served by a mayor-council form of you won't experience any wait at the gate either.

Sheep and cattle ranching government. The mayor is elected citywide, and When you live on base, you're not just another were and remain important, though Angora there are three council members chosen at-large resident; you're a member of Lackland AFB goats also thrive on the rugged land, and the and three chosen by district: It doesn't take long to get to work; mean travel time, the census says, is a little over 16 minutes.

On the whole, it's cheaper to live in Del Rio than in much of the rest of the U. Across the board, food, transportation, health care and services, and housing were less expen- sive in Del Rio.

This area bounded by the creek is one of the most popular places in the city to live. Whether moving Plan for one full day to pack each room -- side of town. Joseph Church is the heart across town or across the nation, preparation and though the kitchen and garage may take longer. First, Make a rough estimate of your packing schedule local landmark. Toss or several subdivisions, and the developer operation.

Streets have names like help and the costs to rent the moving van, gas, http: Medicine Bow, Peacepipe, Arrowhead and lodging during the move and insurance. A Pack for success: When the unit is deliv- ered to your residence, you load and secure it box weight.

Books should go in small boxes vision lies on the city's northern rim and for transport and then unload it at your new while bedding can easily fill a larger box.

Center and Star Park both are in Eastside, tion involved. The list, with photographs tant step in your relocation process. Purchasing a aviation airport favored by Air Force stu- of any valuables, will be important for both home entails a long-term emotional and financial dent pilots. Be prepared when you meet with the leasing agent, property manager or owner.

Bring a list of what you are looking for in a rental; it is impor- tant to be clear about your needs and to get all of your questions answered. You will also need to provide information and verification about your job, your income and your past rental history. Dress to make a good impression and treat the meeting as though it is a job interview -- be polite and arrive on time. Before you decide to rent, inspect the apart- ment with the landlord. Look for the following problems: Use a written checklist with the landlord to document the condition of the rental before you move in, and keep a copy of the completed checklist to use when you move out.

First, fully understand your financial position -- credit score, available savings, monthly income and expenditures.

Overall, loan YTR rules changed in , but according to www. Advantages include the possibility of or prohibit pets and personal touches such as tinue to vary on the percentage of your income building equity and the freedom to design and painting. And the landlord or property managers that can be used for housing-related expenses.

And don't can also raise the rent with proper notice. Lenders balance debt against income to decide forget the tax benefits. Disadvantages include Before determining your best option, account if an applicant will be able to repay a loan. Most upkeep, property taxes and fluctuating prop- for all of your needs, review your financial situa- conventional loans require borrowers to have no erty value.

Amenities such as laundry rooms, exer- Find local apartments listed in chamber savings. The Federal Housing Administration cise rooms, swimming pools and tennis courts of commerce membership directories, local has a two-tier qualifying system: FAA sets vary from one rental complex to another.

The newspaper classifieds, online or through refer- its top thresholds at 31 percent front-end debt main disadvantage is loss of control over the rals from family or friends. Find information housing expenses as a percentage of income residence.

Department of Housing loans to determine the right fit for your finan- REnewSA is an interagency collaboration and Urban Development cial situation and discuss your options with organized by the city of San Antonio and com- portal.

Lenders are diverse munity partners working to transform San Federal programs exist to help qualifying today, and not all homebuyers obtain their Antonio into a world-class city with world- applicants, including veterans, buy their own mortgage loans through their banks and credit class neighborhoods by the year More specific programs include the unions.

For example, you may choose to work its plan is to provide greater opportunities for Home Possible program Freddie Mac, www. To infrastructure and services, and strengthen the Good Neighbor Next Door Program HUD, determine which lender is best for you, get rec- property values. To that end, the organization http: Visit its teachers, police officers, health care workers, A preapproved loan before starting your search website for full descriptions of the programs, firefighters and military personnel.

COM and mail it to: Annual Credit Report Request Main number Box , Atlanta, GA Do you prefer a landlord contact information if you rented. Though new homes generally cost more, existing past two years. Will you live in the city, a suburb or in checking, savings, CDs, money market, bonds and the country?

Good luck and happy hunting! In the past 25 years, the local employer, encompassing as it does three geo- growth environment abundant land, energy and aerospace industry has grown nearly per- graphically separated installations. Business of Defense, had 80, employees in

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