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social media posts - buyers set 2

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P1

Ready for 10 moving hacks that’ll save you time, money, a little bit of sanity?⁣

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1. Assemble the first-day basket with disposable plates, cups, and forks so you can eat without your dishes.⁣ Include toiletries, toilet paper, soap, and cleaning products as well.

2. Fill kitchen pots with spices and other small kitchen items.⁣

3. Store the sharp end of knives inside potholders for safekeeping during transport.⁣

4. Slide stemware and glasses inside of clean socks for padding.⁣

5. Add plastic wrap-around flatware in its organizer to keep everything together.⁣

6. Place hanging clothes directly into garbage bags (like they do at the dry cleaners).⁣

7. Remove dresser drawers and cover each with plastic wrap. (Then you don’t have to empty the drawers’ contents).⁣

8. Cover both sides of a mattress with a fitted sheet to keep it clean during the move.⁣

9. Tuck cords into empty toilet paper rolls and label them for easy use after you move.⁣

10. Pack books, photos, or other heavy items in wheeled suitcases for easy mobility.⁣

.

Moving makes for a long day (or more), but with a few expert tips and tricks it can be easier! 🏠

P2

But first *clears throat* apply for a mortgage. It’s the first step to buying your dream home.

 

P3

Everyone has a story. Make your story one you love to tell.

I can help you find the home that helps you tell your story to guests and family alike.

 

P4

With the new market alert tools I have access to, I am able to send my clients real-time emails and notifications for any important updates that match their search criteria.

If you’d like access to these, shoot me a text and I’ll get you set up today!

P5

The most important thing to consider when buying a home is how much you can afford.

Make a realistic budget and stick to it!

P6

If you’re thinking about buying or selling a home, shoot me an email and let’s chat. I can help answer any questions you might have, and find out whether purchasing a new home is the right choice for you.

P7

“Time is money, and when you waste time you waste money and success you can have; if you just overcome the temptation to be distracted. Don’t waste time, be productive, and success will be one step closer.” – Jeannette Coron

P8

Who’s ready to take that first step towards taco and dream home happiness?🔑

P9

Being pre-qualified before you start your home search is essential. 🏡. Pre-qualification is step one. When you get further into the process, you’ll then get pre-approved for the loan.  

P10

Ask me anything—seriously. We’re here to help you move from dreaming about it to writing an offer to signing on the dotted line!

 

P11

Remember when gas prices were low and mortgage rates were at an all-time low? 📉 Well, we also were smack dab in the middle of a pandemic so it goes without saying that mortgage rates will  📈 increase now that things are getting back to normal but 🚫 DON’T SWEAT! 😓

📉 They are still LOWER than they were last year and you can still lock in a great rate today.

🙋‍♀️ I’ve got the best of the best when it comes to lenders I trust, so contact me today, and let’s get you pre-approved! 

P12

Choosing the right lender is like choosing your partner, you want to go with the person that will 📲 communicate, get things done ✅, and is trustworthy  ❤️. 

So how do you choose the right lender? 🤷‍♀️

➡️ Shop around- although it’s not the main reason to go with a lender, you want to make sure you’re getting the best interest rates available to you. Shop around and compare rates to save yourself money. 

➡️ Get recommendations- Most Realtors have lenders they work with that are reliable to get the job done. Ask around for local lenders. 

➡️ Read reviews- reviews can be helpful and help you avoid red flags such as bad communication 

➡️ And lastly, ask questions- don’t be afraid to ask questions, ask as many as you can to ensure you are picking the right lender.

I have a few lenders that I work closely with, feel free to reach out to me for an introduction! 

P13

The short answer is YES. ✨ Skipping a home inspection on a new build might be tempting since it was just built. “It’s brand new, what could possibly be wrong?” 🤷‍♀️

Unfortunately, not all builders are the same and sometimes contractors will get the job done in a short period of time which can easily lead to mistakes. 

🛑 Mistakes could be 🛑:

▪️ Appliances not installed correctly

▪️ Flooring issues 

▪️ Cracks in the drywalll 

▪️ Driveway cracks

▪️ Draining issues

 The list can go on! Home inspections should be done whether the home is 100 years old, or brand new. If there are errors in the builders work, it can be negotiated and fixed so you’re moving into a well built MOVE-IN READY home! 

🌸

P14

There’s nothing more rewarding than building your own business! However, there are times when the perks can be canceled out by the downsides 👎.

1️⃣ of them being, it’s not as easy to obtain a mortgage when you’re self-employed. 

But don’t worry! You still can apply for a loan if you can provide proof of income with these documents below: 

👉 Two years of personal tax returns

👉 Two years of business tax returns 

👉 Business license

👉 Year-to-date profit and loss statement

👉 Balance sheet

👉 Signed CPA letter stating you are still in business

P15

It’s no surprise that higher credit scores put us in better positions, but it’s not the end of the world if you don’t have a perfect score. 

❓Do you have a minimum credit score of 580? Then you CAN qualify for a loan!

It’s important to note that you may not get the best interest rate.

📊 Check out this chart that explains what your credit score can get you and don’t hesitate to reach out to me directly for more information. Our lender can get you approved in a few days!

P16

👀 A good real estate agent will scour the market for homes that meet your needs and guide you through the negotiation and closing process.

P17

❓ Does your landlord keep bugging you to resign your lease? 

You might’ve not given an answer yet because you have the thought of buying a home in the back of your head. Of course, I think everyone should buy a home and invest in their future but sometimes it’s not the right move. 

Consider buying a home if…

➡ You have enough cash for a down payment and closing costs: Down payments will be between 5-20% of the purchase price depending on your loan and the amount you want to put down. Closing costs will be around 3-5%.

➡ You have enough savings for emergencies: It’s important not to spend everything you have on a home, make sure you have backup savings in case of an emergency. 

➡ Your mortgage payments will be less than a quarter of your take-home pay: You don’t want to overdo it with mortgage payments to where you have to cut back on things like food, gas, saving, and other expenses. 

Resign your lease if…

➡ You are paying off debt: If you still have student loans to pay off, it might not be wise to get a mortgage at this time

➡You don’t plan to stay in the area for long: Only staying in the area for 3 years? You might end up losing money if you buy and sell within a few years. 

➡ You don’t want to maintain a home: If the thought of paying someone to maintain the grass, check the AC, fix repairs scare you then it might not be for you. 

-You are running out of time: Time is important when buying a house, if your lease is up in a month you don’t want to be stranded without anywhere to live. Give yourself some time when buying a home! 

If you’ve made it this far, and you decide buying is your next move feel free to reach out to me and we can get the process started. 

P18

Have you thought about moving to {your city}? 📦

Luckily, I happen to be an expert on all things {your city}, a.k.a the best 🥗 eats, the best  🏫 schools, the up and coming🏘neighborhoods, and everything and anything about the real estate market! 

All it takes is a quick ☎️ phone call to understand what you’re looking for and I’ll have a list of neighborhoods for you that fit your budget.

I wear many hats as a realtor and guiding you through a move from across the country is just one of many. Meet your relocation specialist, let’s chat today!

P19

If you liked it then you should’ve put an offer on it. 💍

P20

Don’t forget about those closing costs! 💵

P21

“I wear the same clothes I wore as a kid…” Said no one ever. 

It’s a fact that we outgrow many things in life! Clothes, friends, cars, and even houses. 

I know, it’s hard to let go when you’re attached to something but there’s nothing wrong with upgrading and treating yourself! 

If you’ve been feeling like your home is not enough anymore for you and your family, it might be time to find your new home. Just remember, I can help you every step of the way!

P22

Buying or selling a home is not an endeavor to try and take on yourself. It’s one that requires sharp skills and the experience to get the job done. 🔑

P23

Closing a card will increase the portion of available credit you use, which can lower your credit score. 🏠🏠🏡

P24

CLEAR TO CLOSE! The only 3 words I want to hear when helping my clients buy a home. 

So what happens at the closing table? It’s always talked about, but no one really knows what to expect until they get there. It’s not as intimidating as it seems, and I will be there with you to answer any questions. 

At the closing table, you will meet with someone from the title company who will go over all the mortgage documents to sign, you will pay your closing costs, and you will receive the keys to your new home! 

Signing documents takes up the majority of the time, and yes you will be signing a lot! Closing day typically can take 1-2 hours so make sure you plan for a day and time that will work for you. As your agent, I’ll prepare you and remind you of what to bring to closing. 

I hope I’ll get to meet you at the closing table one day! 

P25

“But my sister’s husband’s mom told me it’s not a good time to buy right now”… There may be some doubt in the back of your mind on whether you should buy a home right now, or maybe even doubts about selling regardless of the current market. 

What are your concerns about the housing market or buying and selling in general? I promise no questions, comments, or concerns are “dumb” and I encourage them all! 

Comment below!

🌸

P26

Our parents may have told us to never buy a car brand new, but what about a brand new house? Do you love the thought of living somewhere no one has ever lived before, or are you attracted to a home with charm and history? If you’re on the fence, take these notes into consideration to determine if a new construction home is right for you. 

You might want to go the new build route if…

 1. You want to personalize- Since the home hasn’t been built yet you have the option to put your own designer’s touch into it such as changing the backsplash or adding your favorite flooring.

 2. You are okay with spending money on upgrades- unfortunately, the base price of a new build does not come with all the upgrades you may see in the photos. If you aren’t looking to spend more on upgrades, then you can easily opt-out however once you start building your dream home it could be hard to stop! 

3. You want an energy-efficient home- Most new builds will be equipped with energy-efficient appliances and lighting. This can save you MAJOR money on utilities every month. 

4. You are okay with less negotiation- You will not be able to negotiate much on a new construction home, however this could benefit those who are not looking to get into a multiple offer situation especially in a seller’s market. What are your thoughts on new builds? Do you love them?

P27

Imagine this: You’ve FINALLY been approved for a mortgage, and can now be a proud homeowner within 3 months. You want to celebrate by buying a new car to complement the driveway you’re about to have. OH NO! You get a call from your lender, and they tell you there’s been a problem with your debt to income ratio and you are no longer approved for a loan. 

Just like that, there can be problems after applying for a mortgage if you don’t stay away from these mistakes. 

1. Don’t change jobs

2. Don’t make large purchases

3. Don’t close credit accounts

4. Don’t apply for new credit 

🏠

P28

Most people buy a home in an area they don’t know. They make the decision to move to a new city or town based off of factors like school district, housing prices, commute times and other important considerations.

But there is one major factor that most people overlook when it comes to buying a home: where they already have friends and family.

This makes sense from a social perspective, but it also makes financial sense because you can save money on your mortgage by buying a house that is closer to loved ones who will help you out with chores, maintenance issues, and even *cough* babysitting!

 

P29

🍭 Real estate agents are not salespeople. They’re matchmakers. My job is to introduce you to the perfect home in the best location, at the right time, for the right price.🏠.

 

P30

✨ AIRDROP ALERT! Do you accept or decline? ✨

 

P31

The real estate market has gotten crazy! House prices in some areas have doubled over the past year, and are expected to continue to increase in the coming years. As a first time home buyer, you might be wondering if it’s too late for you to buy your first home. The answer is no!

With low interest rates and an increasing demand, many people are predicting that house prices will only go up from here. 

 

P32

Lenders want to know that you can pay them back. So, they require you to provide documents like your W2s and bank statements.

But how many of these documents do you really need?

Just 5: Paystubs, W-2s or 1099s, tax returns, and a bank statement showing your available balance or monthly debt.

💵

 

P33

When you have great credit, you can get approved for credit cards, loans, and mortgages with low interest rates. But when your credit score is in the toilet, it’s almost impossible to get approved for anything.

There are many different factors that affect your credit score.

Everything from paying off debts to how long you have had an account in good standing will contribute to your credit score.

Some of these factors are out of our control (like medical debt), but there are some things we can do to improve our situation.

These 4 quick tips should help you boost your credit score!

 

P34

When you are trying to buy a house, it can be hard to get the down payment together. Not everyone has this kind of money lying around. I’m sure that there are some folks out there who don’t have this kind of money sitting in the bank account, waiting for them to use it at their leisure.

So how do you get the cash needed for your down payment if you don’t have it?

This is where a little bit of creativity comes into play!

🏠

 

P35

When it comes time to finding a new home, you’re going to need a lot of information. There are many factors that go into choosing the right home for you and your family, but one of the most important is knowing what you want in your next place. 🏠🏠🏡.

 

P36

🚨 ALERT!! Hurry! Go grab your FREE home buying checklist today! **Available for this month only** Link in bio

 

P37

You’re finally ready to buy your first home and you want it to be an investment property so that you can have the glorious passive income you’ve always dreamt of. 

You’re already one step ahead and making a wonderful decision for your future, however, there are some rules when it comes to first-time homebuyers and investment properties. I know… rules are lame but if you’re planning on using an FHA loan keep reading. 

If you buy a home, whether it’s a duplex, or a single family home with an FHA loan you are required to live in it for at least a year. In other words, yes you can still rent it out but you have to use it as your primary residence. A duplex could be the way to go if you want to have your own space but still rent the property out. Have any other questions about FHA loans? 

Drop them down below!

 

P38

Usually, you’re supposed to keep a secret to yourself, but is a secret really a secret if you haven’t told at least one person? Oops, secret’s out! 

I’m going to let you guys in on the best of the best when it comes to buying a home to make your life that much easier. 

First, don’t try to time the market! Not even a crystal ball can predict the housing market so neither should you. The best time to buy is when you’re financially and mentally ready! 

Second, stalk the neighborhood you are interested in. Don’t be overly creepy to where the neighbors call the cops on ‘the creepy car that keeps passing by’ but just do a drive-by throughout different times of the day or walk your dog in the area to get a feel for it. 

Third, know that bigger is not always better! Having the biggest home on the block Is not always a smart Idea. This could be a negative factor when It comes time to sell since the home’s value will be brought down by the smaller homes In the area.

Lastly, don’t let your emotions get in the way of a smart financial decision. Just because the home has the perfect color scheme, doesn’t mean it’s the best value. 

Oh, wait I forgot one VERY important secret for buying a home… it’s me, contact me to help guide you in the right direction! 

 

P39

Have you noticed any changes in the real estate market lately? 

Here are the latest real estate trends:

  • Inventory- slowly but surely is rising 
  • Demand- is decreasing (why inventory is slowly rising)
  • Rent- is skyrocketing! Nationally, rent has increased by 11.4% in 2021 (crazy right?) and is expected to continue throughout 2022.
  • Rates- luckily are still low! It’s still a good time to lock in a low-interest rate 

Let me know your thoughts about the market down below👇. Do you plan on buying anytime soon?

 

P40

How do you pay off debt or build an emergency fund? Glad you asked!
 
How to Pay Off Debt Faster:

1. Pay more than the minimum. 

2. Pay more than once a month. 

3. Pay off your most expensive loan first. 

4. Consider the snowball method of paying off debt.

5. Keep track of bills and pay them in less time.

6. Shorten the length of your loan. 

7. Consolidate multiple debts.

If these all seem overwhelming, start by choosing one and add on one or two more each month. You’ll have that fund built up in no time!

 

P41

Dear Buyers-

It is not annoying to ask questions during a home inspection.

Sincerely, all of the home inspectors across the country. 

When I attended my first inspection, I did not ask as many questions as I should have for my buyer and I realized after that, there are no dumb questions!

Ask anything and everything, but if you need some pointers check out these 5 questions to ask a home inspector:

What condition is the house in?

Understand if the home is move-in ready or if it’ll need some TLC.

How do we fix the issue?

Whatever the issue is, ask how it can be fixed and how much it’ll cost so you’re prepared and informed.

What would you fix first?

Asking what they would fix first will help you PRIORITIZE repairs from most important to least.

How much time is left in ___?

Discover how much time is left in appliances and the cost of replacement.

How does ___ work?

Learn how to navigate appliances and other essentials of the house.

 

P42

Like, Whoa. 😮

Housing costs were rising before Covid, but the coronavirus really just exacerbated the problem: The national median rent increased by 11.4% 2021 and is expected to continue to rise throughout 2022, compared with just 3.3% for the first six months of 2017, 2018 and 2019. 

 

P43

Whether your last child has moved away to college or your second child was just born, you might be thinking about the amount of space in your home. Feeling cramped? Empty? Overwhelmed? 

If you could, would you want to upsize or downsize your home? 

Comment below! 👇

 

P44

hat’s the criteria for your dream house?? Let’s get you set up on a home search, even if you’re just curious about the market! What if that dream house of yours just happens to pop up…?  🏠

 

P45

When buying a house, there are a few “No No’s”. One major one is changing jobs. Your lender needs to verify your income – sometimes even up to the final hour of closing on your home. If you’re going to change jobs, do it after you sign those closing papers. 

 

P46

First Time Homebuyer? Here are a few pieces of advice that could help you out in this challenging sellers market!

 

P47

You found a fixer upper, but is it worth fixing? Before you roll up those sleeves and get to work, here are a few things to determine if you’ll gain a profit from your fixer upper or gain a headache and lose some money and time in the process.

🏠

 

P48

This is pretty eye-opening, isn’t it?

If you’re currently renting, shoot me a DM of what you’re paying in rent and I’ll see if I can help you build wealth and find you a house you and put that money towards instead. 

 

P49

Let’s talk about the down payment. A 20% down payment is typical on a home purchase, but that doesn’t mean you have to put 20% down. Don’t let the term ‘down payment’ scare you away from buying a home. 🏠

 

P50

Your credit score can affect your life in many ways, including your ability to buy a home and your interest rate

Your credit score is just like any other muscle in the body. If you want to increase your credit score, you have to work on it and exercise it regularly.

 

P51

Buying a home is one of the biggest investments you can make. It’s important to know all of the costs associated with buying a home so you’re prepared and not caught off-guard during the process.

Here are  a few of the main costs that can pop up when buying a home. 

 

P52

Buying a home is one of the most important decisions you’ll ever make. The right time to buy depends on your individual situation, but here are a few good reasons to consider it now if you haven’t already.

 

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