In the ever-evolving world of real estate, staying informed is key to a smooth journey. We're dedicated to providing you with the latest insights, answers to your pressing questions, and exciting updates about what's to come.
Exciting Developments in Real Estate Commissions
The National Association of Realtors (NAR) has announced significant changes to how real estate commissions are structured, allowing buyers to discuss their agent's compensation upfront. This represents a significant step towards transparency and cost awareness in the industry.
How Does This Affect You?
You might be curious about:
Compensating Your Buyer’s Agent: What's changed?
Impact on House Prices: Are adjustments on the horizon?
Additional Expenses: What should you anticipate?
We're here to clarify these points and more. Reach out to schedule a conversation about these developments and any other inquiries you have. We'll guide you through understanding seller concessions and the importance of having a professional real estate team by your side.
Understanding Your Buyer's Agent Role
Your agent plays a crucial role in navigating the home-buying process, from property visits to paperwork. Being informed about how your agent's fees will be covered is crucial, as it may affect your overall spending.
Your Dream Home Awaits
Our commitment is to support you in finding your ideal home. We provide a comprehensive financial overview before you visit potential homes, ensuring you're fully informed. Utilize our finance and home management tools throughout the purchase process and beyond. Our annual financial review service helps you stay on track with your initial home buying goals.
We’re Here for You
In a changing market, our relaxed, advice-centered approach is tailored to meet your financial needs. Our goal? To help you secure your dream home.
Stay Informed and Empowered
As your trusted lending partner for life, we're excited to navigate these updates with you and look forward to a future where you're well-informed and in control of your homeownership journey.
We're here to guide you to homeownership, every step of the way.
Spring has sprung, bursting with colors, which means Mother's Day is right around the corner. It's the ideal time to let the amazing women in your life know just how much you adore, respect, and appreciate them.
The Story Behind Mother's Day
Did you know Mother's Day started in 1908 because Anna Jarvis wanted to celebrate all the incredible moms? By 1914, President Woodrow Wilson declared the second Sunday in May as Mother's Day, a day to cherish the unique bond between moms and their children.
A Day to Reflect
Mother's Day is all about appreciating the love and sacrifices your mom makes. It's a day for laughter, reminiscing fun memories, and maybe surprising her with breakfast in bed. It's your chance to say a big thank you to this amazing woman who shaped you.
A Twist for the Real Estate World
Interestingly, Mother's Day holds a special place in real estate too. Homes are where moms spread warmth, tradition, and comfort. This Mother's Day, let's celebrate the spaces your mom transforms into a true home.
Making Your Mother's Day Unforgettable
Want to make this Mother's Day memorable for her? Here are some ideas:
Create a 'Memory Lane' album or slideshow with your favorite family moments.
Host a cozy Garden Tea Party in her beloved outdoor space.
Surprise her with a gift card from her favorite local spot.
Fill a Gratitude Jar with messages of love from everyone.
For our realtor partners, consider gifting client moms a small token of appreciation, like a personalized keychain or a decorative plant, acknowledging their essential role in turning houses into homes.
A Day to Pour Out Your Love
Mother's Day is your opportunity to shower the women who mean the world to you with love and gratitude. Let's make sure each one knows how much she's cherished. Here's to making this Mother's Day unforgettable, celebrating the incredible woman you're lucky to call Mom.
Happy Mother's Day!
This season, let's go all out in celebrating motherhood. Every day is a chance to say "thank you" and "I love you" to the special woman in your life.
💰 Ready to Buy?💰 A HomeReady® Loan May Be the Answer.
In recent years, the journey to homeownership has proven to be a little more challenging, particularly for those who require aid with their closing costs. However, thanks to newly announced changes to the HomeReady mortgage program, a beacon of hope is on the horizon, especially for borrowers with limited incomes.
The HomeReady mortgage program, backed by Fannie Mae, a government-sponsored entity, commenced early this year with a vision of making the American dream of homeownership more attainable for working individuals. This initiative is a lifeline to those whose household income falls under a specific limitation, allowing them to apply either for a HomeReady mortgage or to refinance their current loan.
In addition to income considerations, this program breaks down other barriers that might hinder people from securing various types of mortgages. Thanks to flexible credit scores and the ability to put down payments as low as 3%, the program greets these potential buyers with a pool of possibilities.
Have questions? I'm here to help. Reach out to me to learn more about the HomeReady mortgage program or to get information on any other home financing options you may wish to explore. Let's turn your homeownership dreams into reality together.
Looking forward to our engaging discussions and your successful homeownership journey!
Real Estate Trends
Is It Time for a Change? ⌛
Depending on your taste, budget, and future plans, you may be shopping the decorating and lighting trends that are hot for 2024. Whether you're a millennial making your first home purchase, an existing homeowner planning renovations, or a new homebuyer, these trends are sure to inspire!
Remember the appeal of white kitchens? They've been a staple in home décor for almost a decade, but now, homeowners are adding a splash of color. Ombre and blue updates are gaining popularity, providing a refreshing, sophisticated alternative. Or if you prefer a blend of vintage and contemporary styles, try the retro black and white kitchen trend.
Are you ready for a color revolution in your living room? Gray furniture, a popular choice for many years, is giving way to more varied color schemes. So, don't hold back - both neutral and striking colors are the new de facto standards.
As we say goodbye to the ubiquity of animal printsin interior decoration, tasteful use of these patterns can still add a unique edge to your décor. Consider incorporating them in small doses, like on your throw pillows, for an elegant touch.
The farmhouse styles, inclusive of sliding barn doors, have had their heyday. While still popular, consider adding a touch of creativity to avoid making your home appear dated. Think wall decors or fresh paint themes.
Remember the word signs and stencils that were in every home a few years ago? It's time to swap them out for art pieces and wall decorations that harmonize with each room’s ambiance.
I am over the moon and filled with gratitude as I share some extraordinary news with all of you. I have been honored to be named as one of South Florida Agent Magazine’s Who's Who inLending! And to think, our Saint Augustine office swung open its doors less than 10 months ago! This incredible achievement is a testament to the hard work, dedication, and passion each member of my team has poured into making dreams come true for our clients.
But I would be remiss if I didn’t take a moment to thank the real heroes in this achievement — our loyal realtor partners and our amazing clients. You are the heartbeat of our success, the foundation of our achievements, and the true reason we come to work each day with smiles on our faces and determination in our hearts.
From the bottom of my heart, THANK YOU for believing in me and The Holly Walther Lending Team, for walking this exciting path alongside us, and for being the most crucial part of our journey.
Here's to more milestones and successes together. Cheers to you, to us, and to the bright future ahead! 🥂
After receiving many requests, I have been sending Weekly Market Updates on Fridays to my realtor and referral partners. I have been fielding numerous calls asking for clarity on what is going on in the market from past clients, clients who are currently looking, and future clients who plan on purchasing in the not-too-distant future. If you or anyone you know would like to be added to my Weekly Market Update email, reply to this email, or use/send them the button below to start receiving this timely information!
I have over 20 years of lending experience and a 100% closing record. The Holly Walther Lending Team is among the top mortgage loan producers in all of Georgia.
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