Johanna V. Realtor Keller Williams Realty

Johanna V. Realtor Keller Williams Realty I Love What I Do!! With 10+ years of experience I would like to help make this process easy for everyone..

09/22/2026

Debt-to-income ratio matters more than most buyers realize.

Lenders don’t just look at what you make… they look at what you already owe. Car payments, credit cards, and other debt can shrink your buying power fast.

Your DTI sets the ceiling. Let’s dial in your real number.

09/18/2026

Your credit score does more than qualify you it directly impacts your rate. Even a small increase can save you thousands over time. Lenders reward consistency, and a higher score leads to better terms, so make your credit work in your favor 💳

🏡 DON’T WAIT FOR THE “PERFECT” INTEREST RATE TO BUY A HOME!One of the biggest questions I hear from buyers is: “Should I...
09/18/2026

🏡 DON’T WAIT FOR THE “PERFECT” INTEREST RATE TO BUY A HOME!

One of the biggest questions I hear from buyers is: “Should I wait until interest rates come down?”

The truth is, no one knows exactly where mortgage rates will be at the end of the year. Rates can move up or down based on economic conditions and the market.

If you look at this historical mortgage-rate chart, you can see just how much rates have fluctuated over the years. Waiting for the “perfect” rate could also mean missing an opportunity to purchase the right home, take advantage of current opportunities, or build equity.

And remember: you can always explore refinancing later if rates become more favorable and you qualify.

Instead of waiting and wondering, let’s look at your options TODAY. I can help you understand what you may qualify for, what your payment could look like, and what homes fit your budget.

🏠 The right time to buy is a personal decision—and it starts with knowing your options.

📲 Let’s talk and see if homeownership could be within your reach!

Johanna Villarreal | Keller Williams Realty
806-410-5111

09/15/2026

Buying a home: True or False edition 🏡

A good credit score means a better interest rate: True
You can’t buy a home without a 650 credit score: False
You can receive a free home value: True

Are you ready to become a homeowner? DM me!

09/11/2026

Still hunting for the right home? 🏡

Comment these 4 things below: location, beds + baths, style, and price range.

I’ll send you homes that actually fit.

09/09/2026

Living room + fireplace inspiration.

Explore these 5 options.

Comment below which is your favorite 👇

09/04/2026

A lot of people are sitting on more equity than they realize 💰

That changes what you can buy next… or whether refinancing even makes sense.

Send me your address, I’ll break down the numbers & your best options.

09/01/2026

Did you know… you don’t need 20% down to buy a home? 🏡

Many buyers put down far less. Conventional can be around 10–14%, FHA as low as 3.5% for qualified buyers, and VA or USDA loans can be 0% down.

20% isn’t a requirement for everyone. Want to know what you can afford? DM me.

08/28/2026

Every market is different. Real estate isn’t one-size-fits-all. Every neighborhood and price point is different. Your strategy should reflect your market. Whether you’re buying or selling, I’ll create a winning strategy for you. 🏡

08/25/2026

Start with the location. Then find the house that fits it. 📍

You can change the kitchen. You cannot change the commute the schools, or the neighborhood.

The right area shapes your daily life. The house just fills it in.

👇 Lets pinpoint your ideal home.

Address

3955 S. Soncy Road
Amarillo, TX
79103

Telephone

+18064105111

Website

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