Crystal Harris - Realtor

Here’s the truth: you don’t have to wait until Monday or the first of the next month to have a fresh start. Every single day and every single moment is a new moment and a fresh start!

Somebody come buy this house! Check out my new listing 1519 E Duval Street - East Mount Airy, Philadelphia. 3 bedrooms, 2 baths, 1404 sq ft. $289,900.

Are you aware of the truth behind mortgages, or have you believed any of these top ?

Here’s your chance to test what you know:

MYTH 1️⃣: Getting pre-qualified is the same as getting pre-approved.
Nope! Pre-qualified means you took a couple minutes to fill out a questionnaire about your financial situation. However, getting pre-approved takes much longer and involves a lender to analyze your financial status. It must be completed before you purchase a house.

MYTH 2️⃣: I need a credit score of at least 700 to purchase a property.
Actually, the Federal Housing Administration (FHA) requires a score of 580. And you can also use a co-signer to help with your chances of being approved. However, your home buying process will be much easier if you do have a good credit score, so try to still be diligent about payments and loans!

MYTH 3️⃣: You need to put 20% down on a house.
While this was true years ago, in today’s era, you can get a loan for as little as 5%. Or, if you qualify for an FHA or Veteran’s Administration (VA) loan, you could pay as little as 0% to 3.5% down.

Are you just itchin’ for a new kitchen? Give yourself the gift of a new kitchen this year! What are the benefits? ⤵️

🔨 If you decide to sell your home, updating your kitchen will add a lot of value to your home. According to the National Realtors Association, the kitchen makes the top 3 most important rooms to a buyer!

🔨 And if you’re not selling your home, a fresh kitchen makeover will help you feel inspired and energized by your home again.