Today's Mortgage Rates 6/21/12

(Supplied by Bill Rapp)

Conforming Conventional:    

Today’s Conventional 5/1 ARM: 2.625; 2.740% APR
Today’s Conventional Fixed 30 Year: 3.500; 3.670% APR
Today’s Conventional Fixed 15 Year: 2.875; 3.062% APR

Non-Conforming Conventional (JUMBO)
Today’s Jumbo Conventional 7/1 ARM:  3.625%; 3.718% APR
Today’s Jumbo Conventional Fixed 30 Year: 4.375; 4.472% APR
Today’s Jumbo Conventional 15 Year Fixed:  4.250%; 4.420% APR

Government:
Today’s FHA and VA 5/1 ARM: 2.750; 3.629% APR
Today’s FHA and VA Rate 30 Year Fixed:  3.750%; 4.680% APR
Today’s FHA and VA Rate 15 Year Fixed:  2.750%; 3.385% APR

USDA Rural 100% Loan (Purchase Only):
Today’s USDA Rate 30 Year Fixed:  3.750%; 4.172% APR
NICHE Loan: FHA Full 203K (Unlimited REHAB) and 203B FHA (FICO 580 – 619):
Today’s FHA and VA Rate 30 Year Fixed:  4.750%; 5.787% APR
Texas Bond Program 77 (Assisted 4% Down-Payment Grant Program) – US Bank (640 Min)
Today’s BOND 77 Loan:  4.200%; 5.397% APR

FHA Reverse Mortgage (HECM)
Today’s Reverse Mortgage (HECM):  4.990%; 5.532% APR

“Conventional Rates and terms above based on an 80% LTV, 740 mid-FICO, 400,000 loan amount, and full income documentation. (Jumbo Assumes 800,000 Loan Amount, FHA Assumes 270,200 loan amount.)

Minimum Down Payments: FHA 3.5%, USDA 0%, CONV 20%, VA 0%, JUMBO 20%”

Battleship Texas Closing for Repairs

News Release
Media Contact: Mike Cox, 512-389-8046, mike.cox@tpwd.state.tx.us

June 15, 2012

HOUSTON — The Battleship Texas, which has been stabilized since the historic vessel sprang a significant leak a week ago, will be closed to the public starting Monday until repairs can be completed.

"The closure will be for the duration of the salvage company and dive team repairs, a process we hope will take no more than a week," said Andy Smith, Battleship Texas State Historical Site superintendent.

Currently, the ship is stable with a 1- to 2-degree list to the port and an estimated water inflow rate of less than 100 gallons per minutes. Earlier this week, the rate was 850 gpm, Smith said.

Clean-up of onboard oil residue continues and is in its third phase. Meanwhile, pumping will continue to keep up with incoming flow with all preparations in place to increase capacity as needed up to about 2,500 gpm with a combination of 4-inch electric and 3-inch pneumatic pumps.  These will continue on an around-the-clock basis.

TPWD has been working for some time toward the permanent dry-berthing of the ship, with details of that available at www.dryberthTEXAS.com

"If a dry-berth solution that the department can afford cannot be found," Smith said, "TPWD will shift its efforts to repairing the ship in place. No final decision on the issue has been made, but the department remains committed to preserving this historic vessel. "

Anyone wishing to make a donation toward the preservation of the 100-year-old battleship may do so at www.battleshiptexas.org

Gov. Rick Perry released a statement regarding the Obama Administration's immigration announcement:

"The Obama Administration's election-year tactic to bypass Congress and arbitrarily grant amnesty to potentially millions of illegal immigrants is another example of its blatant disregard for our Constitution, our rule of law and our democratic process. The laws of this nation are not open to selective, convenient or political interpretation; they are the very foundation of our freedom, and the protections they guarantee make our nation strong and attractive to immigrants around the world - millions of whom abide by our laws and processes and seek legal entry. These are decisions that should be thoroughly debated within the halls of Congress.

This Administration has failed to provide a secure border, which is essential to national security, and is instead granting blanket amnesty to those who have broken our laws. Failed border security and immigration policies have created a magnet for those who came in the first place. It's clear President Obama prefers to upend the rule of law, picking winners and losers, rather than work with Congress and the American people on a sustainable, long-term solution."

Museum of the Pacific – Re-enactor Daze

by Celia Hayes

Among the attractions of Fredericksburg, the queen of the Hill Country is the Museum of the Pacific War. Ever since I started visiting the Hill Country (shortly after coming to settle in a tiny suburban San Antonio home) in 1995, the Museum has been expanding by leaps and bounds. On my very first visit it seemed that everything was pretty much contained within the old Nimitz hotel, the steam-boat shaped edifice at the corner of Main and Washington, with the Japanese peace garden out around in back. At a slightly later date, there was a open-sided shed with sides of chain link, down across Town Creek which contained some large and small relatively indestructible exhibits ... but that was it. Until they began the Bush gallery, on an empty lot in back which faced Austin Street, and even that wasn't very much to look at ... at first. First it was completed, and then enlarged – maybe enlarged again. The garden alongside the old hotel was also renovated and landscaped, so that it looked more like it did at the end of the century before last – when the Nimitz Hotel was the social center/assembly room/auditorium/performance space for the area.

There is a picture that I have seen in old histories of the area, of the garden as it was – with roses and hop vines growing up over cedar pergolas. Old Charles Henry Nimitz, Admiral Chester Nimitz's grandfather had built up the hotel from the four-roomed adobe house which existed on that particular town lot in the 1850s. He was quite a character, C.H. Nimitz – he had a reputation as a prankster and tall-tale-teller, but also was one of the most respected and successful town fathers; in the early days, the garden at the side of the hotel was a kind of beer garden. Now it is a garden again, but a little more ornate than before ... and the Bush gallery with all the indoor displays is huge. All the displays and relics which used to be in the old hotel building are there, and expanded upon.

The Admiral Nimitz Foundation took over management of the hotel property in 2005, and has never looked back ... well, in the archival sense, they have looked back. As for the museum complex? It's now an excellent addition to Fredericksburg as a destination for sightseeing. The front of the Bush gallery – which seems to be about six times larger than it was on the first time I visited -- is adorned with what appears to be a submarine rising up from the depths. The Japanese mini-sub captured at Pearl Harbor, which used to be out in the garden, is now in its own exhibit space in the Bush gallery. Down the road a little way and across Town Creek, the out-of-doors Pacific War Zone is now three acres and change. They have a whole PT boat there, and a vintage hospital operating theater set up in a Quonset hut, and an open-air beachhead exhibit, which is the venue for extensive reenactments throughout the year. The next one is scheduled for the weekend of June 30-July 1. If you miss it, there won't be another one until the first weekend in September. Which, considering the brutal summer heat of South Texas, is probably a good ideal. Still, I can't help thinking that the very best thing that you can do for your birthplace is to grow up and become very, very famous.

Fredericksburg Adventures in Auctions

by Celia Hayes

We haven't found anything good in a while, there are few spectacular big sales on the calendar, and our favorite thrift stores have been milked dry ... so last weekend we explored a new venue: an estate auction. We had seen auctions on history channel shows, and had the the impression that they were cut-throat and expensive propositions, wherein one could get easily carried away, or accidentally bid on an item by scratching your ear at an inopportune moment. Still, I don't know why we had never done this before; lack of time and opportunity, probably.

A friend of ours in Fredericksburg let us know of one, run by a local Fredericksburg auctioneer, on Saturday at the American Legion Hall. So, we toddled on up to Fredericksburg (again!) and checked out the Legion hall, which was about two-thirds filled with what was to be auctioned, including a one-horse buggy. How they got that inside, I will never know. There was an assortment of vintage furniture from the 1930s through 1970s, antique buckets and kerosene lamps, odd bits of this and that, a great many framed prints – good but not spectacular – china, woodworking tools, toys and craft-working supplies. We got there just as the bidding started. Maybe there were twenty or thirty people there at any one time; they seemed to float in and out.

The first rule we agreed upon was no getting carried away in bidding: top limit was $15, and no bidding on anything we had not examined. She registered to get a bidder number; we made a list of interesting lot numbers, found some chairs and realized that this might be a very long day. There were three ladies in front of us who were bidding enthusiastically; we assumed they were buying for an antique shop, as much of what they were getting were attractive and resalable things: framed prints, boxes of linens and doilies, a table lamp with a cut-glass base. But they bid on a number of boxes of Beanie Babies, too.

The only thing that I was interested in was a lot with a group of ink drawings by a local Pleasanton artist; don't think they are originals, they look like prints, but there were several theater programs and special issues of magazines with them; an identical theater programs is on Amazon for $45, so we might be able to recoup the outlay by selling it. My daughter got flustered and transposed the number of one of our wanted lots, and accidentally put in a bid of $5 for a box of miscellaneous table linens and kitchen towels. The only time we went to our limit was for a box with some nice glassware in it which we had both looked at but wasn't on our list. This was my fault; I got carried away, as the antique-buying ladies bid on it too.

While we were there, there were only two items that bidding got intense for: a brass hat-stand for $200 which I couldn't see there was anything special about, and a piece of folk-art, ditto. $900, and the winning bid was from a lady whose grandfather had made it; which the auctioneer knew about, and said so. Otherwise, it was a surprisingly easy-going and congenial event: most items went after one or two bids, seemingly everybody knew pretty much what they wanted and what they wanted to pay for it. Seriously, if I was looking to outfit a house with solidly nice, but unspectacular vintage furniture, I'd go to one of these small-town auctions. A rather nice upholstered wingchair went for $5, and someone walked away with a set of nice wood dining room chairs for about $100. So ... we may have found a new outlet. Although my daughter confessed to ducking down behind the antique-buying ladies' tall pile of successful bids whenever she wanted to scratch her nose...

The Importance of Pre-statehood Land Grants In Texas History, And How It Affects Texas Property Rights and Titling Today

By Misty Barton of Degree Jungle

Game 5 Belongs to the Visitors

by Randy Watson

The San Antonio Spurs have seen better days. I am not sure if the Spur's fans would rather see their team lose in person, at home, or on TV, but they lost nonetheless and a loss is a loss regardless of the location. The Spurs started out well and took a quick lead but that lead slowly evaporated as the Thunder took control and eventually won 108 to 106.

Ibaka not the Man Tonight

The San Antonio Spurs did not have to worry about Serge Ibaka shooting perfectly this time around as he finished with only 9 points. But he still went 4-6 from the floor and those are pretty good numbers for a big man who is not the go-to player within the Thunder's offense, or any offense for that matter.

Pass the Ball Westbrook

This is a classic series of fundamentals and solid basketball verse young legs and huge lungs. The Thunder do not seem to tire despite how many times they have to run up and down the court chasing Ginobili. They seem to have one break away after another and they are exciting to watch. The Spurs are outstanding to watch as well, certainly if you enjoy watching basketball be played how it is supposed to be played, by passing and superlative defense. It is hard though to check a team that is so much athletically superior to you though. Kevin Durant is a cross between Magic Johnson and Reggie Miller. He would probably even do a little better though if his buddy point guard, Russell Westbrook, would not dribble so much. Westbrook sure seems to slip a lot. Despite that, Westbrook made a key jumper, with about 2 minutes remaining, giving the Thunder a little more cushion.

Tough Match Up

The Spurs were hit hard in the second quarter and they trailed at the half by 8 points, 52-44. They were down by over 10 points several times in the second quarter as it seemed the Thunder were going to run them out of the arena. This was not a good quarter for Manu Ginobili as he was outplayed by his left handed and bearded nemesis James Harden (both of these players fought to win the 6th Man of the Year award but Harden prevailed in the voting for this award).

The Spurs are in Trouble

Ginobili may have been defeated in the 2nd quarter but he was not beaten. The Spurs would make a strike in the 3rd quarter as Ginobili returned as the Ginobili he has always been. But the Thunder would not quit and still took the quarter as they finished the 3rd quarter up by 9 points. This is pretty impressive since the San Antonio Spurs were smoking the entire league and were seemingly unbeatable when they were up 2-0 in this series. Now the tables have turned and the Spurs are looking at the brink of elimination; a thought that would have been summarily laughed at by almost anyone a week ago. Now the Spurs are seeing stars as they head into Game 6 and they have to return to probably the loudest arenas in the NBA, in Oklahoma. Anyone who says the folks in Oklahoma City are not proud to have an NBA team are not living on the same planet as the rest of us.

Ginobili was Awesome

The 4th quarter was spectacular, certainly if you were a Spur's fan. But the Spurs could not seal the deal despite the best efforts from Tim Duncan and some outstanding flopping around by Ginobili and Tony Parker. They did ring up some foul calls and stop the Thunder's momentum but the outstanding play by pretty much everyone on the Thunder's team was too much for the Spurs to handle. Duncan finished with 18 points but Ginobili carried the day with 34. Ginobili knows how to shoot a basketball and he hit some huge 3 pointers in the second half.

Fisher was Significant

Gregg Popovich, the prolific and incredible winning coach with the Spurs, could only do so much. He argued with the refs in desperation in the 4th quarter after another fast break by Durant and rebound by Durant as he then made an open 16 footer with ease. The Thunder were having their way with the Spurs much to the chagrin of the home town crowd. Derek Fisher played well for the Thunder; well, he has been down this road before many times but now he is doing it with a team that is respectable.

The Avengers

The Spurs almost tied it up at the end but a huge three pointer by James Harden almost shut the door completely on the Spurs chances with about a 1:30 remaining. Harden's three was supreme and it did not seem like the Spurs had enough time to catch the Thunder – which they did not as evident by the final score. It just seemed like whatever the Spurs tossed at the Thunder, the Thunder had Captain America's shield and then they shot back with Iron Man's palm laser beams.

The Times have Changed

The Spurs are finally looking their age which is shocking to many considering they were blowing teams out just a short time ago. Just go ask the Clippers.

What happened to the Spurs?

by Randy Watson

You have to score points to win in basketball; even someone who does not follow the game knows this. The Spurs were hammered by their Mid-west nemesis the Oklahoma City (OKC) Thunder. The Spurs were stomping the Thunder just like they have trashed every team they have played up until now. That is right, the Spurs were undefeated in this 2012 playoff tournament but ran into a juggernaut in this Thursday night game losing by 20 points, 102 to 82. Yes, points matter in basketball and the Spurs did not score than many of them.

The Thunder Started off Hot

There are many reasons the Spurs were defeated. It does not help that their All-Star center and/or power forward Tim Duncan only shot 5 of 15 from the floor and only grabbed 2 rebounds. That is nothing special. Yes, he did block 5 shots but that was not enough against a team that is younger and does not seem to get tired. It does not help that the Thunder broke out with an 8-0 lead in the first 3 minutes and did not slow down for anyone. That train never blinked.

Game 4 is Pivotal

The Thunder have not been beaten at home in this playoff contest against any team. The Spurs should be concerned a little but so should the Thunder because if they do succumb to the Spurs in game 4, going down 3-1, there is little chance that they reach the NBA finals and play the Miami Heat. Yes, the Heat will take that series without their All-Star center Chris Bosch. Sorry Boston, not this time. Of course most real basketball fans are glad Kobe Bryant is somewhere else as well as his David Stern loving LA Lakers.

Perkins was a Concrete Wall

It was not only the Thunder's offense that stole the show, it was their defense, which was actually Spur's like. Kendrick Perkins guarded Tim Duncan and pretty much locked him down. What? Did you think Tim Duncan had a poor showing when he had open lanes to the basket all night long? Not quite; the Thunder's center worked hard and finally helped slow down this future Hall of Famer.

Parker was Defeated

The Thunder's defense was airtight and compelled the Spurs to kick out 3 turnovers in the beginning of the game which enable the Thunder to score some baskets and take the early lead. This is the confidence booster they needed. This quickly became the Spur's worst nightmare come true. Thabo Sefolosha was all over Tony Parker and he forced this outstanding point guard into making sloppy passes. In other words, this Swiss basketball player got the better of the Frenchman. Who said this was not an international game?

Finished with the Lead

The Spurs did charge back with a 13-4 run to reclaim the lead at 13-12 with 5:16 left in the opening quarter. Incredibly, the Spurs led by 2 points, 24-22, at the end of the first quarter after having committing 7 turnovers. But this was probably the last thing the Spurs could smile about for the rest of this dreary night.

No Rest for the Weary

Manu Ginobili's spark did not lift his beloved Spurs this time around. Gary Neal was not stellar either. The Spurs were beaten on every level. Not one of the players could be proud of their game at the end of this contest. The only good thing the Spurs can say is that it is unlikely they will commit 21 turnovers again in a game. The Thunder did their job and put a win on their side of the column. It does help that their crowd is raucous and this energy ignited the Thunder and propelled them to victory. This was the worst thumping the Spurs experienced this season. Will this affect their psyche? Unlikely, they know how to win, they are mature, and they are multiple championship winners. The Thunder better not sleep in and party over this victory.

The Thunder had a Winning Game Plan

Kevin Durant, the league's leading scorer, finished with 22 points which is nothing special for him. The Spurs were not defeated by just one superlative player; they were worn down and deflated by a team that looked to be on a mission. The Thunder practiced blitzkrieg and the Spurs did not know how handle this type of defensive and offensive pressure. In fact, if one player grabbed the hearts of the OKC Thunder fans, it was the European, Sefolosha who played well on both ends of the floor.

South Texas Energy Utility Bill Saving Secrets!

We're coming up on that time of year again, you can feel it. It even feels like the sun just loves to shine a little too much on this state. With temperatures brutally scorching into the 110's at times in June, July and August you can notice a loud buzzing noise outside, it's that beautiful sound of all the air conditioners just humming, some all day, every day. This is also the same noise as money going down the drain. The only heat we like to feel in San Antonio is the Spurs heating up as they go into the conference finals against OKC.

Now what you may not be familiar with is all the little secrets that can hack away at that electric bill of yours. Coming into June you know you're going to war with your electric bill so let's go through some tips that actually work.

1.) Add weather stripping to your doors, seal up the house. This is an investment that will really save you money over the lifetime of your house. The great thing about this method is it works for both seasons the winter and the summer. It prevents hot or cold air from coming in, and hot or cold air from leaving the house. If you have 3 or 4 doors around your house that open to the outside air it can really add up. Make sure that air is not leaking into the attic too, that can really hurt your bill the most, and there's a way to insulate your attic. On a windy day check to see if any air is coming in through any part of the home and then seal it up. There are many great residential insulation consultants out there that can help!

2.) Buy energy saving lights. Although this has nothing to do with your air conditioner, it has everything to do with your electric bill. Fluorescent lights can actually cut your electric bill in half. They will also last longer and they are not as warm as the older lights. If you have a lamp next to a sofa, this will actually make that sofa spot a little cooler, so it actually does have an impact on the temperature in certain spots of the home.

3.) Unblock all vents. Vents are like the veins in the body, if a vein is blocked it can cause all sorts of damage over time to the body, and possibly even death. Vents are sometimes placed in awkward places in the home, where pictures or furniture may also be, this will keep certain rooms or areas warm, and others possibly excessively too cool. This may not save as much on the bill but it will actually make your home feel more comfortable in all places and it may cause you to not turn down the ac some more.

4.) Unplug all small appliances. In the amazing world of technology that we live in, we tend to have many things plugged in that power a little burst of energy. DVD players,microwaves, alarm clocks, cell phone chargers, night lights, lab-top chargers, you name it. These small electrical devices individually don't use up as much energy, however most are going all day, every day, this adds up. If you were to take a home that has a family of 4 to 6 people, this can add up to be a nice chunk of the electric bill. These devices don't need to be plugged in all day every day, you can really cut some fat off the bill if you can conserve with these devices. Many experts believe that this is 10% of your electric bill.

5.) Close the blinds. The sun beaming into certain rooms will really keep the house warmer. If the blinds aren't that great it might be worth the investment to find blinds that will keep out the sun and heat. This will save a nice little chunk off the electric bill.

6.) Wash your clothes in cold water. You may not believe it but this will actually save you between .30 to .40 cents per load on your electric bill. Just give it a try! Your clothes will actually still be just as clean too!

The more energy efficient you make your home it will save you a great amount of money over time. For real estate if a home buyer was to see how much they would save in energy over time it could have a big impact on the sale of the home. If the buyer couldn't make up their mind between your home and another home, the energy saving costs might actually be the tipping point to sale your home. It's worth it!

Bienvenidos al sitio Web de Bienes Raíces en San Antonio.

Realty United, junto con nuestro equipo de agentes de Bienes Raíces en San Antonio, tiene los recursos y la información que necesita en la búsqueda de bienes raíces en el área de San Antonio. Ya sea que utilice nuestras herramientas de búsqueda avanzada en MLS o búsqueda de casas en venta mediante el mapa interactivo, que contará con los datos más actuales sobre condominios, Distritos Escolares, casas adosadas, propiedad de arrendamiento y casas en venta disponibles. San Antonio es el hogar de El Álamo, la segunda ciudad mas grande de Texas y la séptima en el país, y ocupa el lugar numero 24 de área metropolitana más grande en los EE.UU. con una población de 2.2 millones de habitantes. Una ciudad con un Clima sumamente agradable, y casas en venta con precios muy accesibles, un gran mercado de trabajo en los servicios financieros, gobierno, industria de la salud, y turismo, y sobre todo un bajo costo de vida, no es de extrañar por qué tantos tejanos llaman a la ciudad de San Antonio su casa. Con infinidad de cosas que hacer aquí en San Antonio, puedes empezar por visitar el Álamo, que era una misión y fortaleza durante la Revolución de Texas. Puede trasladarse por el centro de San Antonio a través de VIA Metropolitan Transit, que opera mas de 30 autobuses de fuerza hibrida, tomar un tour en el “Trolley”, el taxi del río (que se detiene en 39 localidades a lo largo del Paseo del Río) o bien de manera antigua ... caminando. A continuación, puede dar un paseo por el famoso Paseo del Río que está abierto al tráfico peatonal y es el hogar de la vida nocturna de la ciudad junto con los muchos restaurantes y bares al aire libre. Los festivales y eventos, como todo en Texas, se celebran a lo grande, tal y como lo es el San Antonio Stock Show y Rodeo, un gran entretenimiento plagado de estrellas, del rock 'n' roll y artistas latinos, Fiesta de San Antonio (con más de 100 eventos), Tejano Conjunto, Festival en San Antonio, San Antonio Arte de Verano y Festival de Jazz, Texas Folklife Festival, Rock 'N' Roll Marathon, Oktobferest y Wurstfest (una celebración única, rica en cultura alemana y lleno de diversión de Texas! “Salud” por la salchicha), sólo para nombrar algunos. ¿Alguien dijo deporte? Tambien aquí lo tenemos. San Antonio es la sede del campeon del mundo, los San Antonio Spurs (NBA) el equipo de baloncesto. ¿Quieres más baloncesto? Date una vuelta por el Centro de AT&T a ver jugar el equipo de San Antonio Silver Stars (WNBA), quédate frío como el hielo animando a nuestro equipo de hockey, Rampage de San Antonio (AHL), Los Escorpiones de San Antonio, equipo de fútbol (NASL) junto con el equipo de Béisbol, Misiones de San Antonio. San Antonio es grande en el golf, unos de los deportes mas populares en la ciudad, ya que es sede del tercer torneo más antiguo en el PGA Tour "El Abierto de Texas". Estamos orgullosos de nuestra presencia militar. Inicio de la Base Conjunta de San Antonio (JBSA), que es una amalgama del Ejercito de Fort Sam Houston, Randolph y Lackland de la Fuerza Aérea. El Brooke Army Medical Center (BAMC) Junto con el hospital de veteranos y servicios ayudan a hacer de San Antonio la casa de muchos militares retirados. San Antonio alberga más de 100.000 estudiantes a través de sus 31 centros de educación superior que incluyen la Universidad de Texas Health Science Center en San Antonio, la Universidad de Texas en San Antonio, Texas A & M University-San Antonio, y el Distrito de Colegios Comunitarios Alamo. Algunas de las escuelas privadas son la Universidad Bautista de las Américas, Universidad Santa María, Universidad de Nuestra Señora del Lago, Universidad del Verbo Encarnado, La Universidad Trinity, y Wayland Baptist University. Tambien contamos con La Biblioteca Pública de San Antonio que trabaja en conjunto con todas estas instituciones, y también junto con los 17 distritos escolares independientes (ISD) en San Antonio. Consejos al comprar

• Evite el embargo o la ejecución hipotecaria
• ¿Cuanto cuesta realmente esa casa?
• Aclarando Mitos Comunes a la Hora de Comprar una Casa
• Cómo prepararse inteligentemente para obtener financiamiento
• Preguntas que un comprador debe hacerle a una institución hipotecaria
• Consejos para arreglar su crédito
• Cuando esté viendo una casa, deje las emociones en su hogar

Consejos para vender

• 20 razones para contratar un agente de bienes raíces Texas REALTOR®
• 17 consejos simples para hacer su casa más atractiva a la venta
• Unos cuantos cambios pueden reducir el tiempo de venta y aumentar el precio.
• ¿Por qué no se ha vendido mi casa?
• ¿Tiene alfombras que necesiten arreglo?