Sold_by_ Rayna

Time is something you will never get back.
But opportunity?
Sometimes it shows up looking like a needle in a haystack.

And with the market where it is — let’s be honest:
Which wait sounds wiser?
Waiting for the entire market to shift…
or waiting for your assumable loan approval to come through?

Those are two completely different waits.

One is a delay.
The other is a strategy.

One wastes time.
The other locks you into a stronger financial position.

So when the right opportunity shows up — the right home, the right rate, the right terms — don’t confuse patience with procrastination.
Some waits cost you.
Some waits PAY you.

Choose wisely.

— SoldByRayna 🖤

https://onereal.com/rayna-simpson/listings/nwmls/2436810/27450%20237th%20Place%20SE

Quick Real Estate Tip:
Everybody is stressing about high interest rates right now…
but a lot of people don’t know about assumable FHA loans.

Some sellers have older FHA mortgages with lower rates (4% range), and if a buyer qualifies, they can assume that loan instead of getting a brand-new one at today’s 7% rates.

Most buyers don’t know this.
Most sellers don’t know this.
And honestly… a lot of agents don’t talk about it.

But it’s real, and it can save people a lot of money.

If you’re buying a home, always ask:
“Is this loan assumable?”

You never know what doors that one question might open.

Did You Know....

💡 Homeowners: You can STILL buy down your interest rate when you refinance — up to 3 points.

Most people think buydowns only happen when you buy a home.
Nope.

If you already live in the home and you’re refinancing, you can still:

Buy 1 point

Buy 2 points

Buy 3 points (most lenders max out here)

…and permanently drop your interest rate for the life of the new loan.

Example:

Let’s say your refi loan is $400,000.

1 point = $4,000

2 points = $8,000

3 points = $12,000

If your refinance rate is 7% but you want something closer to 5%,
you can buy down the rate by purchasing points at the refinance.

Same home.
Same refinance.
Way lower rate — permanently.

Most homeowners don’t even know this is an option.