Angela Howison Realtor
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SERHANT Specializing in residential real estate sales since 2004.
Prepping to buy your first home or level up to a new neighborhood? Here’s how to prep smart and find your financial sweet spot with “Practice” Mortgage payments:
Pre-Approval First: Secure that pre-approval to know your price range, but always cross-check it with what you’re truly comfortable spending.
Mortgage Calculator Magic: Play around with an online mortgage calculator to see what your future payments might look like. It's a reality check and a planning tool all in one!
Practice Makes Perfect: If you’re already paying rent or a mortgage, start setting aside the difference towards your new estimated payment. Consider it a financial dress rehearsal.
Comfort is Key: Live with this new budget for a bit. Feel too tight? Time for adjustments. It’s all about finding balance.
Build That Cushion: While you get ready to start your house hunt, you’ll have a clear picture of your monthly budget and a growing cash stash. By closing day, you’ll have extra funds to make your move even smoother.
No hassle real estate! Sell your home fast!
05/31/2026
The Homestead Exemption is a legal provision that offers potential property tax savings to homeowners who use their property as their primary residence. Here's why it's worth exploring:
1️⃣ Property Tax Relief: The Homestead Exemption provides homeowners with a reduction in their property tax assessment, ultimately resulting in lower property tax payments. It can help ease the financial burden of homeownership and free up funds for other important priorities. 💰📋
2️⃣ Protecting Your Home's Value: In many jurisdictions, the Homestead Exemption can offer protection against certain types of creditors, ensuring that a portion of your home's value remains shielded from legal claims or financial setbacks. 🔒🏡
3️⃣ Eligibility Requirements: Eligibility for the Homestead Exemption varies by state or locality, but it often requires the property to be your primary residence and you to file the necessary paperwork. Be sure to research and understand the specific requirements and deadlines in your area to take advantage of this valuable opportunity. 📝✅
Consulting with a local tax professional or contacting your county assessor's office can provide detailed information about the Homestead Exemption in your specific area. They can guide you through the process and help you maximize the benefits available to you. 💼🔍
No hassle real estate! Sell your home fast!
🌟 Busting Mortgage Myths! 🏠💥 Don't let these common misconceptions hold you back from buying your dream home:
1️⃣ 20% Down Payment? Not necessary! Many programs offer lower down payments—some as little as 3.5%!
2️⃣ Perfect Credit? Nope! You can qualify for a mortgage with less than perfect credit. There are options for various credit scores.
3️⃣ Debt-Free? Not a must. Having debts doesn't disqualify you; it’s more about managing a good debt-to-income ratio.
Don’t let myths cloud your home buying journey. 🗝️✨
No hassle real estate! Sell your home fast!
05/27/2026
Preparing for closing day as a home seller? Ensure a smooth process by organizing the necessary documents. Use this checklist to ensure you have everything ready.
1️⃣ Property Deed: Have a copy of the property deed readily available to establish ownership rights and transfer ownership to the buyer.
2️⃣ Title Insurance Documents: Gather any title insurance documents received during the home purchase to provide proof of clear title.
3️⃣ Homeowners Insurance Policy: Provide a copy of the current homeowners insurance policy to ensure the property is adequately insured until transfer.
4️⃣ Mortgage Payoff Information: Collect mortgage payoff details, including the account number, balance, and lender's instructions, if applicable.
5️⃣ HOA Documents (if applicable): Gather relevant HOA documents like CC&Rs, bylaws, financial statements, and pending assessments for a seamless transition.
6️⃣ Utility Information: Compile a list of utility providers for the buyer, enabling them to transfer services smoothly.
Work closely with your real estate agent and closing agent or attorney to ensure a successful closing.
No hassle real estate! Sell your home fast!
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