4 resolution you should make in 2025

4 RESOLUTIONS TO MAKE (AND KEEP) "To own a home is to build a tangible dream." ... Unknown A new year always seems to get people thinking about taking a fresh look at their goals... from health and careers to relationships and finances. If one of your resolutions for 2025 is to buy a home, this is the year you make four resolutions to make a home purchase happen: (1) improve your credit score, (2) pay down some debt, (3) save for a down payment to make that resolution come true, (4) create a relationship with an experienced real estate agent early in the home buying … Continue reading...

Why you need to get pre-approval before looking.

Why is a mortgage pre-approval so important? Obtaining a mortgage pre-approval is a crucial first step in the home-buying process, especially in Maryland's competitive real estate market. What is a Mortgage Pre-Approval? A mortgage pre-approval is a formal evaluation by a lender to determine your eligibility for a home loan and the maximum amount you can borrow. It is also important to review your comfort level for a payment. Often what you can qualify for on paper is significantly higher or lower than your comfort level, a good lender can work with you to meet your comfort … Continue reading...

What you can do to settles into winter in your home.

As the temperature drops and winter settles in, there’s nothing more comforting than a home that radiates warmth and coziness. Furniture plays a key role in creating that snug atmosphere, and winter-inspired designs can make all the difference. Here are some tips to help you choose the perfect pieces for your winter sanctuary. 1. Embrace Warm Textures and Materials Winter is all about comfort, so opt for furniture upholstered in soft, warm fabrics like velvet or wool. Adding plush throws and cushions in neutral tones or deep winter hues like burgundy, navy, or forest green can … Continue reading...

Five Reasons You Should Hire a Realtor When Buying or Selling a House

Whether you are looking to purchase a home or getting ready to sell one, the process of doing so will go much more smoothly if you have an experienced Realtor to represent your interests. You might be thinking that you can save money by trying to do it on your own, but the truth is that the time, energy and stress a Realtor will save you is priceless! Here are the top five reasons why you should hire a Realtor when buying or selling a house: EXPERTISE Experienced real estate professionals will know all the ins and outs of buying and selling homes. Real estate has a language of its own, … Continue reading...

From Dream to Reality: Turning Your Homeownership Goals into Action

Owning a home is a dream for many, but turning that dream into reality requires more than just wishful thinking. Whether you're a first-time homebuyer or someone looking to upgrade, making your homeownership goals come true involves careful planning, strategic action, and a clear understanding of the homebuying process. In this guide, we’ll walk you through the essential steps to transform your homeownership dreams into action, ensuring that you’re fully prepared for every step along the way. Define Your Homeownership Goals The first step in turning your dream of homeownership into reality … Continue reading...

Holiday Homebuying Tips: Making the Most of the Season

The holiday season might not seem like the ideal time to buy or refinance a home, but it can offer unique advantages for savvy buyers. With proper preparation, you can turn the holidays into an opportunity to secure a great deal. Here’s how: 1. Take Advantage of Lower Competition The real estate market typically slows during the holidays as many potential buyers focus on family and festivities. This reduced competition can mean fewer bidding wars and more buyer negotiating power. Sellers active during this time are often motivated, making them more open to offers. 2. Consider Year-End … Continue reading...

Why Choose me as your Realtor!

It seems so simple – selling or buying a house. You find the one you want, you negotiate a price, sign the paperwork and move in. Yes? Uh – no. Real estate is complex, trust us, we know. Don’t worry. We are here to help guide you through the process. 1. DON'T JUST HIRE A FRIEND OR RELATIVE Be careful when you enter into a real estate business relationship. A.) There are so many twists and turns in the process of buying or selling; it can be an emotional ride. The demands of a sale or purchase may require a little distance. B.) Choosing a real estate agent to represent you should be like … Continue reading...

What interest rates look like for this week

Federal Reserve Chair Jerome Powell stated on Thursday that the central bank is not in a rush to cut interest rates. With the October Consumer Price Index and Producer Price Index showing slowing progress towards the Fed's 2% inflation goal, mortgage interest rates are higher this week over last. The markets still project a .250% cut in December but we will have to see what happens. Here is what I'm seeing: 30 Year Fixed FHA 6.125% (6.967% APR) Discount points to bank of $3,633 $500,000 Purchase Price $490,943 Loan Amount 3.5% Down Payment $17,500 720+ credit scores, … Continue reading...

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