Milenka Bogovich - Realtor

09/26/2025

In general, the best month to buy a house is August, when there is still a healthy number of choices for buyers, and when prices start to come down on homes that have been on the market since spring.

Several other months also offer buyer potential: January tends to offer better sale prices. April and May feature new listing options. July and August are most common for price cuts, and October offers the largest selection of homes.

The best month for you depends on your goals, your finances and how soon you can move.

07/04/2025

02/10/2025

The homeownership journey is not a race. However, if your dream is to own your own home, I’d love to be part of your journey. I am dedicated to helping my clients every step of the way. From the dreaming phase to the closing table, I am here to help guide you and make the process as easy as possible.

01/30/2025

I’m beyond thankful to be recognized as a Top Agent at Century 21! This achievement wouldn’t be possible without my amazing clients, supportive colleagues, and the trust you place in me to guide you through one of life’s biggest decisions—buying or selling a home🏡💛

01/29/2025

Getting the best interest rate on a mortgage can save you thousands of dollars over the life of your loan. Here are key strategies to secure the lowest possible rate:

1. Improve Your Credit Score
• A higher credit score qualifies you for better rates. Aim for 740+ for the best offers.
• Pay bills on time, reduce debt, and keep credit utilization low.

2. Save for a Larger Down Payment
• A 20% down payment can help you secure better rates and avoid private mortgage insurance (PMI).
• Even a 10-15% down payment can improve your loan terms.

3. Shop Around & Compare Lenders
• Get loan estimates from at least 3-5 lenders (banks, credit unions, and online lenders).
• Compare interest rates, fees, and loan terms.

4. Choose the Right Loan Type
• Fixed-rate mortgages (e.g., 15-year or 30-year) provide stability.
• Adjustable-rate mortgages (ARMs) offer lower initial rates but can increase over time.

5. Lower Your Debt-to-Income (DTI) Ratio
• Lenders prefer a DTI below 36%, meaning your total monthly debt payments should be less than 36% of your gross income.
• Pay off credit cards, auto loans, or other debts to improve your ratio.

6. Lock in Your Rate at the Right Time
• Interest rates fluctuate. If rates are low, ask about a rate lock to secure your offer before they rise.

7. Consider Buying Discount Points
• You can pay upfront fees (points) to reduce your interest rate. This makes sense if you plan to stay in the home long-term.

8. Get Pre-Approved
• A pre-approval shows sellers and lenders that you’re a serious buyer and may help you secure better loan terms.

01/28/2025

Want to buy a house 🏡 but don’t know where to start? Here are the first steps you should take before starting your journey on your home search!

12/13/2024

I’m proud to announce that I’ve been recognized as a Top Agent at Century 21 BE3 🏡✨ This achievement is only possible because of the trust, support and referrals from amazing clients, friends, and family. Helping you find your dream home, sell with confidence, or invest in your future is a passion I’m lucky to call a career.

If you’re looking to buy, sell or just have questions about the market, I’m here for you every step of the way.

10/17/2024

So thankful 🙏🏻 gotta keep the momentum going 🤗

10/07/2024

09/19/2024

What does the Fed rate cuts mean to you?
It means those who had hit the pause button on their property search because of affordability issues are now back in the market.
Why? With the new rate cuts, monthly payments have dropped hundreds of dollars a month which opens up the pool of potential buyers. More people can now afford to buy who couldn’t with the higher rates and all who could afford to buy can now be approved to buy more.

Rates will likely continue to drop. Competition amongst buyers is coming.
The smart buyers we are working with are actively looking and buying now and also locking into loans that allow them to adjust the rate as they continue to fall.

Remember … if you wait… you will likely soon be competing with other buyers.
You only need one other party to want to buy the same property to create a bidding war and raise prices.

Reach out to discuss.

It’s time.
It’s time to get your house ready to sell and move around.
It’s time to buy now with a smart mortgage.
Let’s go!! I’m here to help!

08/28/2024

Transform your space with the timeless charm of a brick interior! 🧱 Whether it's an accent wall or a full room makeover, brick adds warmth, character, and a touch of rustic elegance to any home. Perfect for those who love a blend of modern and vintage vibes. Ready to make a statement? "

07/31/2024

Whatever your lifestyle or aesthetic preference, there’s a flooring option that fits your needs. Transform your space with the perfect flooring and enjoy the benefits for years to come! 🏡✨
What type of flooring do you prefer throughout your house? Comment below.