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  • 🏞️🏡 The Covid-19 pandemic has forced many people to work from home. This means no more commuting to an office in the city.

🏙️ Downtown living has become much less attractive. Many bars and restaurants have closed. And ongoing demonstrations and riots make urbanites feel unsafe in their downtown condos.

🌲🌲 Acreage is in high demand. Two of my recent listings in Ostrander and Marysville went in contract within days. And my agents tell me that more of their buyers are looking for a home in the country.

✅❌ Find out the pros and cons to country living and whether that'd be a good place for you in my latest article!

📰 Article: https://bit.ly/CountryHomeLiving

Questions about buying a Home in the Country? Call or Text me at 📲(614) 975-9650.
⚫

#CountryLiving
#RuralLifestyle
#Rural
#LivingInTheCountry
#Acrage
#HomeBuying101
#HomeBuying
#HomeBuyers
#HouseHunters
#HouseHunting
#NewHomeSearch
#HomeSearch
#DublinHomes247
#REMAX
#REMAX247
#REMAXagent
#REMAXbroker
#REMAXhustle2020
#RealEstate
#2020RealEstate
#LuxuryRealEstate
#ColumbusRealEstate
#AgentAdvice
#2020RealEstate
#OhioGram
#Covid19
#AsSeenInColumbus
#Realtor
#RealtorLife
#Explore
  • 🏞️🏡 The Covid-19 pandemic has forced many people to work from home. This means no more commuting to an office in the city.

    🏙️ Downtown living has become much less attractive. Many bars and restaurants have closed. And ongoing demonstrations and riots make urbanites feel unsafe in their downtown condos.

    🌲🌲 Acreage is in high demand. Two of my recent listings in Ostrander and Marysville went in contract within days. And my agents tell me that more of their buyers are looking for a home in the country.

    ✅❌ Find out the pros and cons to country living and whether that'd be a good place for you in my latest article!

    📰 Article: https://bit.ly/CountryHomeLiving

    Questions about buying a Home in the Country? Call or Text me at 📲(614) 975-9650.


    #CountryLiving
    #RuralLifestyle
    #Rural
    #LivingInTheCountry
    #Acrage
    #HomeBuying101
    #HomeBuying
    #HomeBuyers
    #HouseHunters
    #HouseHunting
    #NewHomeSearch
    #HomeSearch
    #DublinHomes247
    #REMAX
    #REMAX247
    #REMAXagent
    #REMAXbroker
    #REMAXhustle2020
    #RealEstate
    #2020RealEstate
    #LuxuryRealEstate
    #ColumbusRealEstate
    #AgentAdvice
    #2020RealEstate
    #OhioGram
    #Covid19
    #AsSeenInColumbus
    #Realtor
    #RealtorLife
    #Explore

  •  1  0  13 hours ago
  • ⋒〰️ It isn’t just about closing a real estate transaction, but more about the passion I truly have for advocating and assisting my clients on their real estate goals. Buyer representation is crucial; to have a Realtor is to have someone in your corner protecting your best interests, desires and finances at zero cost. Thank you to my clients for giving me that privilege! 〰️⋓
.
I’m here for your every real estate need. 
Tricia 214.471.7388 〰️🤍
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#instadallas #topproducers #july
#dallasites101 #dallasites #newhomegoals #dallashomesearch #dfwrrealestate #buyersagent #coldwellbankerrealtor #texapino #filipinorealtor #dfwrealtorgirl #trishsellsdallas #uptowndallas #bishopartsdistrict #trinitygrove #victorypark #downtowndallas #firsttimebuyers #homebuying101 #dallasbuyers #dallashomebuyers
  • ⋒〰️ It isn’t just about closing a real estate transaction, but more about the passion I truly have for advocating and assisting my clients on their real estate goals. Buyer representation is crucial; to have a Realtor is to have someone in your corner protecting your best interests, desires and finances at zero cost. Thank you to my clients for giving me that privilege! 〰️⋓
    .
    I’m here for your every real estate need.
    Tricia 214.471.7388 〰️🤍
    .
    .
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    #instadallas #topproducers #july
    #dallasites101 #dallasites #newhomegoals #dallashomesearch #dfwrrealestate #buyersagent #coldwellbankerrealtor #texapino #filipinorealtor #dfwrealtorgirl #trishsellsdallas #uptowndallas #bishopartsdistrict #trinitygrove #victorypark #downtowndallas #firsttimebuyers #homebuying101 #dallasbuyers #dallashomebuyers

  •  3  1  13 hours ago
  • Was yours the typical number or name of a tree? Or was it something more interesting? ⁣
⁣
Having moved as often as we both have, we have a variety to choose from :)⁣
⁣
Janet lived the longest on Orchard Ave as a child, & Jennifer lived the longest on 24 Road.⁣
⁣
What about you?
  • Was yours the typical number or name of a tree? Or was it something more interesting? ⁣

    Having moved as often as we both have, we have a variety to choose from :)⁣

    Janet lived the longest on Orchard Ave as a child, & Jennifer lived the longest on 24 Road.⁣

    What about you?

  •  1  1  13 hours ago
  • ⁣⁠
Understanding closing costs and who is responsible for each will ensure that there are no surprises during your real estate transaction. I'm here to help you understand the entire process from start to finish!⁣⁠
⁣⁣⁣⁣⁣⁣⁠
  • ⁣⁠
    Understanding closing costs and who is responsible for each will ensure that there are no surprises during your real estate transaction. I'm here to help you understand the entire process from start to finish!⁣⁠
    ⁣⁣⁣⁣⁣⁣⁠

  •  5  1  13 hours ago
  • MortgageCS is now licensed in The Golden State! We've always admired California for those dreamy coastlines, sunsets, and the incredible people it attracts. If you or a loved one are looking to purchase a mortgage or refinance in California, send us a DM and spread the word! 🏖 🌊 🏄🏾 ☀️✌️

We are expanding swiftly yet thoughtfully, be sure to stay tuned for further state licensing announcements! 

Currently licensed in: 
✔️California 
✔️Colorado 
✔️Florida 
✔️Maryland 
✔️New Jersey 
✔️Pennsylvania 
✔️Virginia 
✔️Washington D.C.

To learn more about the MortgageCS experience, visit us at www.MortgageCS.com 🥇⭐⭐⭐⭐⭐

Rates For Us, LLC d/b/a MortgageCS is licensed by the Pennsylvania Department of Banking, New Jersey Department of Banking and Insurance, Florida Office of Financial Regulation (License MBR3035), Colorado Division of Real Estate, Delaware Office of the State Bank Commissioner, California Department of Business Oversight, and the Virginia State Corporation Commission. Company NMLS #1464766.

#californiarealestate #californiacoast #californiahome #californiamortgagebroker  #5star #review #homebuying101 #purchase #firstpurchase #refinance #fivestarreviews #highfives #secondopinion #uwm #toponepercent #qlms
  • MortgageCS is now licensed in The Golden State! We've always admired California for those dreamy coastlines, sunsets, and the incredible people it attracts. If you or a loved one are looking to purchase a mortgage or refinance in California, send us a DM and spread the word! 🏖 🌊 🏄🏾 ☀️✌️

    We are expanding swiftly yet thoughtfully, be sure to stay tuned for further state licensing announcements!

    Currently licensed in:
    ✔️California
    ✔️Colorado
    ✔️Florida
    ✔️Maryland
    ✔️New Jersey
    ✔️Pennsylvania
    ✔️Virginia
    ✔️Washington D.C.

    To learn more about the MortgageCS experience, visit us at www.MortgageCS.com 🥇⭐⭐⭐⭐⭐

    Rates For Us, LLC d/b/a MortgageCS is licensed by the Pennsylvania Department of Banking, New Jersey Department of Banking and Insurance, Florida Office of Financial Regulation (License MBR3035), Colorado Division of Real Estate, Delaware Office of the State Bank Commissioner, California Department of Business Oversight, and the Virginia State Corporation Commission. Company NMLS #1464766.

    #californiarealestate #californiacoast #californiahome #californiamortgagebroker #5star #review #homebuying101 #purchase #firstpurchase #refinance #fivestarreviews #highfives #secondopinion #uwm #toponepercent #qlms

  •  2  0  13 hours ago
  • They sound so close, but they are two different steps in the home-buying process: pre-qualification and pre-approval. ⁣⁣
⁣
So what’s the difference, and how can you keep ‘em straight? A quick run-down:⁣⁣
•Pre-qualification: Done over the phone or online, getting pre-qualified involves providing a mortgage lender information about your debt, income, and assets. The lender then gives you an estimate of how much you can borrow and provides a pre-qualification letter to attach to any offers you make.⁣⁣
 ⁣⁣
•Pre-approval: When you’re seriously looking for a new home, it’s time to get pre-approved. You’ll fill out an official mortgage application, provide documentation to back up your financial information, and give the lender permission to run a credit report. The lender will approve an exact loan amount with a specified interest rate, and if you’re ready, you can go ahead and lock in the rate.⁣⁣
⁣
Both pre-qualification and pre-approval are necessary steps. A real estate agent will help you know exactly what you need to do when, and answer any questions you have. ⁣⁣
⁣
Looking for an agent in the foothills of North Carolina or elsewhere? I’d love to help. Give me a call!⁣⁣
  • They sound so close, but they are two different steps in the home-buying process: pre-qualification and pre-approval. ⁣⁣

    So what’s the difference, and how can you keep ‘em straight? A quick run-down:⁣⁣
    •Pre-qualification: Done over the phone or online, getting pre-qualified involves providing a mortgage lender information about your debt, income, and assets. The lender then gives you an estimate of how much you can borrow and provides a pre-qualification letter to attach to any offers you make.⁣⁣
     ⁣⁣
    •Pre-approval: When you’re seriously looking for a new home, it’s time to get pre-approved. You’ll fill out an official mortgage application, provide documentation to back up your financial information, and give the lender permission to run a credit report. The lender will approve an exact loan amount with a specified interest rate, and if you’re ready, you can go ahead and lock in the rate.⁣⁣

    Both pre-qualification and pre-approval are necessary steps. A real estate agent will help you know exactly what you need to do when, and answer any questions you have. ⁣⁣

    Looking for an agent in the foothills of North Carolina or elsewhere? I’d love to help. Give me a call!⁣⁣

  •  5  1  13 hours ago
  • HOW MUCH HOW CAN YOU REALLY AFFORD? 

This question is best determined by a qualified lender; however, there are a few items you can familiarize yourself with when getting started. 

📌Credit scores are decision-making tools that lenders use to help them anticipate how likely you are to repay your loan on time. Credit scores are also sometimes called risk scores because they help lenders assess the risk that you won't be able to repay the debt as agreed (Experian.com). 

📌The debt-to-income (DTI) ratio is a personal finance measure that compares an individual’s monthly debt payment to his or her monthly gross income. Your gross income is your pay before taxes and other deductions are taken out (investopedia.com).

A DTI of 43% is typically the highest ratio a borrower can have and still get qualified for a mortgage, but lenders generally seek ratios of no more than 36%(investopedia.com).

📌Closing costs cover fees, taxes and administrative expenses required to process the purchase of your home while your down payment usually consists of two parts. The first part of the down payment is the earnest money, or the cash you put in escrow when you first make an “offer to purchase” on the home (amfam.com).

Make sure you've saved up for both, or ask your lender for down payment assistance programs.

Whether you're a first-time home Buyer or a seasoned investor, it's important to remember the importance of each topic listed above. COMMENT 👇👇👇 when you purchased your 1st home. 
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 #prescottarizona  #arizonarealtor #azrealtors #azhomes #azhomesforsale #homebuyingtips #househunter #homeownershipgoals #homebuyertips
 #rentalincome #realestateadvisor  #buyinghomes #buyahouse #estateagency
 #buyrealestate #allthingsrealestate  #yourfavoriterealtor  #investmentstrategies
 #realestateagentlife #savetoinvest #homebuying101  #mompenuer #SarahAllenRealtor #PrescottRealtor
  • HOW MUCH HOW CAN YOU REALLY AFFORD?

    This question is best determined by a qualified lender; however, there are a few items you can familiarize yourself with when getting started.

    📌Credit scores are decision-making tools that lenders use to help them anticipate how likely you are to repay your loan on time. Credit scores are also sometimes called risk scores because they help lenders assess the risk that you won't be able to repay the debt as agreed (Experian.com).

    📌The debt-to-income (DTI) ratio is a personal finance measure that compares an individual’s monthly debt payment to his or her monthly gross income. Your gross income is your pay before taxes and other deductions are taken out (investopedia.com).

    A DTI of 43% is typically the highest ratio a borrower can have and still get qualified for a mortgage, but lenders generally seek ratios of no more than 36%(investopedia.com).

    📌Closing costs cover fees, taxes and administrative expenses required to process the purchase of your home while your down payment usually consists of two parts. The first part of the down payment is the earnest money, or the cash you put in escrow when you first make an “offer to purchase” on the home (amfam.com).

    Make sure you've saved up for both, or ask your lender for down payment assistance programs.

    Whether you're a first-time home Buyer or a seasoned investor, it's important to remember the importance of each topic listed above. COMMENT 👇👇👇 when you purchased your 1st home.
    .
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    .
    .
    .
    #prescottarizona #arizonarealtor #azrealtors #azhomes #azhomesforsale #homebuyingtips #househunter #homeownershipgoals #homebuyertips
    #rentalincome #realestateadvisor #buyinghomes #buyahouse #estateagency
    #buyrealestate #allthingsrealestate #yourfavoriterealtor #investmentstrategies
    #realestateagentlife #savetoinvest #homebuying101 #mompenuer #SarahAllenRealtor #PrescottRealtor

  •  7  2  14 hours ago
  • Spending our morning downtown🏔
  • Spending our morning downtown🏔

  •  16  1  14 hours ago
  • The question I am getting on repeat: Is now a good time to buy?⁣
⁣
Let me break it down because my answer varies depending on where you’re at!⁣
⁣
For starters, interest rates are at historic lows which makes locking in a great rate on your mortgage super appealing – if you’re ready. It’s also important to be prepared before you dive into the process, especially with the lack of inventory we’re experiencing, so let’s chat! Here are a few questions I would consider before taking your next step!⁣
⁣
👉 Do you know your current credit score and approximately what you’d be comfortable spending monthly (for mortgage & taxes)?⁣
⁣
👉 Do  you have an emergency fund (this will be essential to make sure you’re prepared for home maintenance, repairs and other costs of homeownership)?⁣
⁣
👉 Are you currently renting? If the answer is yes, do you know if the terms of your lease are flexible (do they offer month to month or allow you to sublease if you find a home prior to your lease being up)?⁣
⁣
👉 Are  you prepared for the expenses associated with the home buying process? (home inspection, appraisal, closing costs, down payment, earnest money)⁣
⁣
👉 Have you talked to a lender to determine if you qualify for any down payment assistance programs?⁣
⁣
If you want to talk about these questions more in depth and what specific costs you should be prepared for, I’m only a call or DM away! ⁣
⁣
Send me a DM and let’s get this process started!🏡⁣
⁣
#ChandlerOpensDoors #Sold4Shor⁣ #ShornakShack #MASC #Buyer #FirstTimeBuyer #HomeBuyer #HomeBuyingTips #HomeBuying101 #homeownership #womenofrealestate #realtorsofinstagram #realestate #homesweethome #home
  • The question I am getting on repeat: Is now a good time to buy?⁣

    Let me break it down because my answer varies depending on where you’re at!⁣

    For starters, interest rates are at historic lows which makes locking in a great rate on your mortgage super appealing – if you’re ready. It’s also important to be prepared before you dive into the process, especially with the lack of inventory we’re experiencing, so let’s chat! Here are a few questions I would consider before taking your next step!⁣

    👉 Do you know your current credit score and approximately what you’d be comfortable spending monthly (for mortgage & taxes)?⁣

    👉 Do  you have an emergency fund (this will be essential to make sure you’re prepared for home maintenance, repairs and other costs of homeownership)?⁣

    👉 Are you currently renting? If the answer is yes, do you know if the terms of your lease are flexible (do they offer month to month or allow you to sublease if you find a home prior to your lease being up)?⁣

    👉 Are  you prepared for the expenses associated with the home buying process? (home inspection, appraisal, closing costs, down payment, earnest money)⁣

    👉 Have you talked to a lender to determine if you qualify for any down payment assistance programs?⁣

    If you want to talk about these questions more in depth and what specific costs you should be prepared for, I’m only a call or DM away! ⁣

    Send me a DM and let’s get this process started!🏡⁣

    #ChandlerOpensDoors #Sold4Shor#ShornakShack #MASC #Buyer #FirstTimeBuyer #HomeBuyer #HomeBuyingTips #HomeBuying101 #homeownership #womenofrealestate #realtorsofinstagram #realestate #homesweethome #home

  •  20  2  14 hours ago
  • 🔴 NEW LISTING 🔴

Charming Dutch-style Thatch Roof 🏡

3️⃣ Bedrooms 🛌

2️⃣ Bathrooms 🛀

Large garden 🌲🌳

Swimming pool 🏊

#RemaxMasters #RemaxSouthAfrica #Remax #RealEstate #Realtor #Property #FORSALE #HUSTLE #SOLD #SALES #success #business #entrepreneur #Instagram #instalike #likeforfollow #instagrammers #firsttimebuyer #firsthome #millenialmoney #homebuyertips #homebuying #homebuying101 #bond #bondoriginator
  • 🔴 NEW LISTING 🔴

    Charming Dutch-style Thatch Roof 🏡

    3️⃣ Bedrooms 🛌

    2️⃣ Bathrooms 🛀

    Large garden 🌲🌳

    Swimming pool 🏊

    #RemaxMasters #RemaxSouthAfrica #Remax #RealEstate #Realtor #Property #FORSALE #HUSTLE #SOLD #SALES #success #business #entrepreneur #Instagram #instalike #likeforfollow #instagrammers #firsttimebuyer #firsthome #millenialmoney #homebuyertips #homebuying #homebuying101 #bond #bondoriginator

  •  4  0  14 hours ago
  • 💰 MORTGAGE MONDAY 💰⁠
⁠
''How do I know what I can afford?''⁣⁠
⁣⁠
Great question! The first step to purchasing a home is determining how much you can afford and getting a pre-approval letter from a lender.⁣⁠
⁣⁠
The rule of thumb is that you can afford to spend 2.5 times your annual salary on a home, but that doesn’t take into account your existing debt and your lifestyle.⁣⁠
⁣⁠
However, it’s best to talk to a mortgage lender to find out what you qualify for and get your pre-approval letter.⁣⁠
⁣⁠
No idea who to talk to or where to start? I'd be happy to send you my recommended lenders. Send me a message and let's get started!⁣⁠
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#mortgagemonday #mortgage #mortgageinfo #mortgagetips #homebuying101 #buyinghouses #readytobuy #readytoown  #homebuyer #firsttimehomebuyer #preapproved #prequalified #butfirstgetpreapproved #buyersagent #buyingprocess #homebuyingprocess #forsale #californiarealtor #modestorealtor #centralvalleyrealtor #209realtor #modestorealestate #modestorealestateagent #realestateagent #modestorealty #modestohomes #californiahomes ⁠
  • 💰 MORTGAGE MONDAY 💰⁠

    ''How do I know what I can afford?''⁣⁠
    ⁣⁠
    Great question! The first step to purchasing a home is determining how much you can afford and getting a pre-approval letter from a lender.⁣⁠
    ⁣⁠
    The rule of thumb is that you can afford to spend 2.5 times your annual salary on a home, but that doesn’t take into account your existing debt and your lifestyle.⁣⁠
    ⁣⁠
    However, it’s best to talk to a mortgage lender to find out what you qualify for and get your pre-approval letter.⁣⁠
    ⁣⁠
    No idea who to talk to or where to start? I'd be happy to send you my recommended lenders. Send me a message and let's get started!⁣⁠
    .⁠
    .⁠
    .⁠
    .⁠
    .⁠
    .⁠
    .⁠
    .⁠
    .⁠
    .⁠
    #mortgagemonday #mortgage #mortgageinfo #mortgagetips #homebuying101 #buyinghouses #readytobuy #readytoown #homebuyer #firsttimehomebuyer #preapproved #prequalified #butfirstgetpreapproved #buyersagent #buyingprocess #homebuyingprocess #forsale #californiarealtor #modestorealtor #centralvalleyrealtor #209realtor #modestorealestate #modestorealestateagent #realestateagent #modestorealty #modestohomes #californiahomes ⁠

  •  4  0  15 hours ago
  • If you’ve been holding off 'til the fall to begin your home search you’re in luck. Typically this time of year we see a dramatic slow down in homes going on the market. But not this year! While it has slowed down just a bit there are new homes being listed consistently. ⁠
⁠
Interested in learning more? I’m sharing all about it in my August newsletter, set to come out in a few weeks. DM me your email address and I’ll make sure you’re on the list. ⁠
⁠
I talk a little bit about real estate but share a lot about community. From new things going on around town to favorite products that are keeping the kids and I sane, it’s a breath of fresh air in your inbox. I’m really more interested in connecting more than anything else. ⁠
⁠
Leave a comment if you’re on my email list and let me know what you’d love to see or learn more about each month. ⁠
  • If you’ve been holding off 'til the fall to begin your home search you’re in luck. Typically this time of year we see a dramatic slow down in homes going on the market. But not this year! While it has slowed down just a bit there are new homes being listed consistently. ⁠

    Interested in learning more? I’m sharing all about it in my August newsletter, set to come out in a few weeks. DM me your email address and I’ll make sure you’re on the list. ⁠

    I talk a little bit about real estate but share a lot about community. From new things going on around town to favorite products that are keeping the kids and I sane, it’s a breath of fresh air in your inbox. I’m really more interested in connecting more than anything else. ⁠

    Leave a comment if you’re on my email list and let me know what you’d love to see or learn more about each month. ⁠

  •  5  1  15 hours ago
  • 𝕎𝕙𝕒𝕥 • 𝕒𝕣𝕖 • 𝕔𝕝𝕠𝕤𝕚𝕟𝕘• 𝕔𝕠𝕤𝕥𝕤? 
▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️
Closing costs are basically what they sound like! The final costs to wrap up when signing your mortgage. Usually, they’re about 2%-5% of your loan principal, but they vary for each state and can even be negotiable!
 ▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️
So what makes up closing costs though? Appraisal, credit card report check, origination fee, application fee, and title insurance.
 
#ProTip: Include this in your budget because the costs can add up.
  • 𝕎𝕙𝕒𝕥 • 𝕒𝕣𝕖 • 𝕔𝕝𝕠𝕤𝕚𝕟𝕘• 𝕔𝕠𝕤𝕥𝕤?
    ▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️
    Closing costs are basically what they sound like! The final costs to wrap up when signing your mortgage. Usually, they’re about 2%-5% of your loan principal, but they vary for each state and can even be negotiable!
    ▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️▫️
    So what makes up closing costs though? Appraisal, credit card report check, origination fee, application fee, and title insurance.

    #ProTip: Include this in your budget because the costs can add up.

  •  5  1  15 hours ago

Top #homebuying101 Posts

  • One of the most frequent questions I get asked is "how much down payment is needed to buy a home?" As a real estate developer and licensed mortgage broker, I'm here to share some of my best tips.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
🔑 A typical down payment in Los Angeles is 10-20%. Due to the higher price points, a lender will usually require more than 3% down.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
🔑 Larger down payments will affect your monthly mortgage. For example, every additional $50,000 you put toward your down payment reduces monthly mortgage by approximately $225.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
🔑 A general rule of thumb is to have all your debts such as car loans, credit cards, and projected mortgage payments not exceed 45% of your gross monthly income.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
🔑 You don't need millions in the bank to buy real estate. The right realtor, lender and partner, can help you figure out a structure that will help you accomplish your goals at an accelerated rate.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
🔑 Be sure to account for closing costs including escrow, title, city fees and attorneys’ fees in some states. This can often be 1-1.5% of the purchase price.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
🔑 Not sure where to begin? Start by speaking with a licensed mortgage broker to determine the best financial structure for you.
  • One of the most frequent questions I get asked is "how much down payment is needed to buy a home?" As a real estate developer and licensed mortgage broker, I'm here to share some of my best tips.
    ⠀⠀⠀⠀⠀⠀⠀⠀⠀
    🔑 A typical down payment in Los Angeles is 10-20%. Due to the higher price points, a lender will usually require more than 3% down.
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    🔑 Larger down payments will affect your monthly mortgage. For example, every additional $50,000 you put toward your down payment reduces monthly mortgage by approximately $225.
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    🔑 A general rule of thumb is to have all your debts such as car loans, credit cards, and projected mortgage payments not exceed 45% of your gross monthly income.
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    🔑 You don't need millions in the bank to buy real estate. The right realtor, lender and partner, can help you figure out a structure that will help you accomplish your goals at an accelerated rate.
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    🔑 Be sure to account for closing costs including escrow, title, city fees and attorneys’ fees in some states. This can often be 1-1.5% of the purchase price.
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    🔑 Not sure where to begin? Start by speaking with a licensed mortgage broker to determine the best financial structure for you.

  •  151  4  5 August, 2020
  • E X C I T I N G  A N N O U N C E M E N T for all my aspiring and future home owners! This Thursday @ 7pm I’ll be hosting an IG LIVE to discuss all things home buying and answer all your questions! To make it even better, I have mortgage processor, Loren Rhyne, joining me to discuss all the information you need to know to qualify for a mortgage. I also have Toya Irby, financial educator for over 14 years, who will be giving tips and answering questions on how to improve your credit! 

If you’re interested in purchasing, but don’t know where to start, this LIVE is for you! If you aren’t sure if you want to buy a home because you don’t think it’s attainable, this LIVE is for you! If you are currently renting, this LIVE is for you! Every resource you need to start the process of being a homeowner will be right at your fingertips. We are excited to help each and every one of you reach your goals! Share and invite a friend! 🎊

Comment below any questions you have regarding building credit✔️qualifying for a mortgage✔️or the home buying process itself✔️! 

See you then!

#homebuying101 #wealthbuilding #futurehomeowner #womeninbusiness #femaleentrepreneur #homebuyer #equity #ownership #closingday #creditrepair #mortgage #homesweethome #financialfreedom #realestate
  • E X C I T I N G A N N O U N C E M E N T for all my aspiring and future home owners! This Thursday @ 7pm I’ll be hosting an IG LIVE to discuss all things home buying and answer all your questions! To make it even better, I have mortgage processor, Loren Rhyne, joining me to discuss all the information you need to know to qualify for a mortgage. I also have Toya Irby, financial educator for over 14 years, who will be giving tips and answering questions on how to improve your credit!

    If you’re interested in purchasing, but don’t know where to start, this LIVE is for you! If you aren’t sure if you want to buy a home because you don’t think it’s attainable, this LIVE is for you! If you are currently renting, this LIVE is for you! Every resource you need to start the process of being a homeowner will be right at your fingertips. We are excited to help each and every one of you reach your goals! Share and invite a friend! 🎊

    Comment below any questions you have regarding building credit✔️qualifying for a mortgage✔️or the home buying process itself✔️!

    See you then!

    #homebuying101 #wealthbuilding #futurehomeowner #womeninbusiness #femaleentrepreneur #homebuyer #equity #ownership #closingday #creditrepair #mortgage #homesweethome #financialfreedom #realestate

  •  434  46  13 July, 2020
  • 💫 Sometimes you need a #freshstart. That’s exactly what my family needed six years ago when we decided to step out on #faith and relocate to Texas! It was a tough decision to leave our friends and family 😢but my husband and I felt a gentle nudge from God that he had more in store for us BUT we had to make a #bold leap. No one understood why we were leaving...it seemed so random and didn’t make sense🤯. Sometimes the #change that will be most impactful for your life won’t make much sense to those around you! I’ve learned that you have to stay the course and do the thing...and often, the results will exceed your expectation! 💫If you need a #freshstart today I encourage you to work towards it! Write the vision, then put some effort with it! You may be discouraged along the way...but keep it moving! Every thing worth achieving takes #bold action to get there! You’ve got this💪🏽💪🏽💪🏽 #happymonday
  • 💫 Sometimes you need a #freshstart. That’s exactly what my family needed six years ago when we decided to step out on #faith and relocate to Texas! It was a tough decision to leave our friends and family 😢but my husband and I felt a gentle nudge from God that he had more in store for us BUT we had to make a #bold leap. No one understood why we were leaving...it seemed so random and didn’t make sense🤯. Sometimes the #change that will be most impactful for your life won’t make much sense to those around you! I’ve learned that you have to stay the course and do the thing...and often, the results will exceed your expectation! 💫If you need a #freshstart today I encourage you to work towards it! Write the vision, then put some effort with it! You may be discouraged along the way...but keep it moving! Every thing worth achieving takes #bold action to get there! You’ve got this💪🏽💪🏽💪🏽 #happymonday

  •  143  6  4 May, 2020
  • WHERE DO I EVEN START?

A couple weeks I posted a video to my TikTok asking first-time home buyers to share their home buying questions in the comments and I lost count of how many said they have NO IDEA where to start!

So let’s talk about it.

Here are 4 things you can do to start your own home buying process:

1️⃣ TALK TO A REALTOR®
Yes, I get it. I talk about this all the time. But there’s a reason for it, y’all! A REALTOR® is your go-to person for ALL things home buying. They can answer your questions, guide you through the process, and refer you to a lender to get started on the loan application.

2️⃣ TALK TO A LENDER
Here’s the thing, it really doesn’t matter if you reach out to a REALTOR® or a lender first because you’ll eventually need both to buy your first home. So if you chat with a lender first, they’ll send you to a REALTOR® and vice versa.

3️⃣ CREATE A BUDGET
Even though this is listed as the 3rd thing, you can actually do this BEFORE reaching out to a REALTOR® or lender. This is an important step to make sure you can truly afford your new home and sometimes you may be pre-qualified for more than what your comfortable paying each month. Take a look at your monthly expenses and decide how much you’re able to contribute to a mortgage payment.

4️⃣ RESEARCH AREAS + HOME CRITERIA
A good REALTOR® is going to ask you where you’d like to buy your new home and what you’re looking for as far as bedrooms, bathrooms, garage, pool, etc. so it never hurts to be prepared! You can utilize crime maps, school ratings, development reports, and more to narrow down which areas you prefer.

As a first-time home buyer, it’s 100% NORMAL not to know anything about buying a home. Remember that you don’t know what you don’t know! And that’s exactly why I’m here.

My DM’s are always open if you ever have questions (Yes! Even if you don’t live in AZ) 🖤😘
  • WHERE DO I EVEN START?

    A couple weeks I posted a video to my TikTok asking first-time home buyers to share their home buying questions in the comments and I lost count of how many said they have NO IDEA where to start!

    So let’s talk about it.

    Here are 4 things you can do to start your own home buying process:

    1️⃣ TALK TO A REALTOR®
    Yes, I get it. I talk about this all the time. But there’s a reason for it, y’all! A REALTOR® is your go-to person for ALL things home buying. They can answer your questions, guide you through the process, and refer you to a lender to get started on the loan application.

    2️⃣ TALK TO A LENDER
    Here’s the thing, it really doesn’t matter if you reach out to a REALTOR® or a lender first because you’ll eventually need both to buy your first home. So if you chat with a lender first, they’ll send you to a REALTOR® and vice versa.

    3️⃣ CREATE A BUDGET
    Even though this is listed as the 3rd thing, you can actually do this BEFORE reaching out to a REALTOR® or lender. This is an important step to make sure you can truly afford your new home and sometimes you may be pre-qualified for more than what your comfortable paying each month. Take a look at your monthly expenses and decide how much you’re able to contribute to a mortgage payment.

    4️⃣ RESEARCH AREAS + HOME CRITERIA
    A good REALTOR® is going to ask you where you’d like to buy your new home and what you’re looking for as far as bedrooms, bathrooms, garage, pool, etc. so it never hurts to be prepared! You can utilize crime maps, school ratings, development reports, and more to narrow down which areas you prefer.

    As a first-time home buyer, it’s 100% NORMAL not to know anything about buying a home. Remember that you don’t know what you don’t know! And that’s exactly why I’m here.

    My DM’s are always open if you ever have questions (Yes! Even if you don’t live in AZ) 🖤😘

  •  121  28  16 July, 2020
  • HOW TO BE A BUYER IN A SELLER’S MARKET

As someone who almost exclusively works with buyers right now, I’ll be the first one to tell you it’s a JUNGLE here in Phoenix. Homes are being listed and going under contract in a matter of HOURS and/or receiving at least 10+ offers from prospective buyers.

But I’m gonna let you in on a few tips I tell my buyers as we head out into the wild. (Shhh, don’t tell anyone I told you!).

1️⃣ LOOK AT HOMES $10K+ UNDER YOUR BUDGET
With so much buyer competition right now, it’s not uncommon for homes to sell OVER asking price. If your budget is $250K, I recommend looking at homes $240K or under to give you some room to potentially offer over asking price if necessary.

2️⃣ YOU HAVE TO ACT FAST
I’m not kidding! If a home you love was just listed on a Thursday, it’s possible it may not be available for you to see on Saturday. You may need to alter your schedule and/or make time for immediate showings in order to have a shot.

3️⃣ QUICK DECISIONS ARE A MUST
In as tough a market as Phoenix, you can’t afford to take 1-2 days to make a decision on submitting an offer on a home. The same home you saw today, someone else saw yesterday and has already put in an offer. Depending on a few factors, I typically advise my clients to try to have a decision made within 2-4 hours.

Like I said before, it’s a CRAZY market out there right now! When working with a Realtor, make sure you ask what showing and offer writing strategies can they use to help you win the offer.

It’s so important that you have someone on your team that you TRUST + who will EDUCATE you through the process. Especially in a crazy seller’s market!

And be sure to screenshot, bookmark, or share this post for safekeeping. This is super valuable info 🤩🖤
  • HOW TO BE A BUYER IN A SELLER’S MARKET

    As someone who almost exclusively works with buyers right now, I’ll be the first one to tell you it’s a JUNGLE here in Phoenix. Homes are being listed and going under contract in a matter of HOURS and/or receiving at least 10+ offers from prospective buyers.

    But I’m gonna let you in on a few tips I tell my buyers as we head out into the wild. (Shhh, don’t tell anyone I told you!).

    1️⃣ LOOK AT HOMES $10K+ UNDER YOUR BUDGET
    With so much buyer competition right now, it’s not uncommon for homes to sell OVER asking price. If your budget is $250K, I recommend looking at homes $240K or under to give you some room to potentially offer over asking price if necessary.

    2️⃣ YOU HAVE TO ACT FAST
    I’m not kidding! If a home you love was just listed on a Thursday, it’s possible it may not be available for you to see on Saturday. You may need to alter your schedule and/or make time for immediate showings in order to have a shot.

    3️⃣ QUICK DECISIONS ARE A MUST
    In as tough a market as Phoenix, you can’t afford to take 1-2 days to make a decision on submitting an offer on a home. The same home you saw today, someone else saw yesterday and has already put in an offer. Depending on a few factors, I typically advise my clients to try to have a decision made within 2-4 hours.

    Like I said before, it’s a CRAZY market out there right now! When working with a Realtor, make sure you ask what showing and offer writing strategies can they use to help you win the offer.

    It’s so important that you have someone on your team that you TRUST + who will EDUCATE you through the process. Especially in a crazy seller’s market!

    And be sure to screenshot, bookmark, or share this post for safekeeping. This is super valuable info 🤩🖤

  •  139  12  29 July, 2020
  • Did you know a buyer makes a decision on a house in the first 8 seconds? This is why your entryway is SO crucial when it comes to selling your home! 🏠 

Don’t know how to spruce up your entryway? 
🌿 Add some greenery. 
🖼 A nice piece of art. 
💡 A lamp 
🕯 A bench or small table to put some knickknacks on! (ie, your whole candle collection)

COMMENT 👉 What are some ways you’ve spruced up your entryway?
  • Did you know a buyer makes a decision on a house in the first 8 seconds? This is why your entryway is SO crucial when it comes to selling your home! 🏠

    Don’t know how to spruce up your entryway?
    🌿 Add some greenery.
    🖼 A nice piece of art.
    💡 A lamp
    🕯 A bench or small table to put some knickknacks on! (ie, your whole candle collection)

    COMMENT 👉 What are some ways you’ve spruced up your entryway?

  •  112  22  7 August, 2020