Ruby Cuadra - Liv Texas

06/15/2026

https://s.hartech.io/moA7UwCobqO

For Sale: 8014 Caribou Ct, Baytown, TX 77523 ∙ $298,500 ∙ 0.17 Acres Lot ∙ 2,140 Sqft, 3 beds, 2 full baths, Single-Family ∙ View more.

06/15/2026

☔️ Good Morning, Friends! ☔️

Wishing everyone a wonderful week ahead! Just a friendly reminder that rain is in the forecast for much of this week, so don’t forget to keep an umbrella in your car or bag before heading out. 🌧️☂️

Rainy days can be great for staying cozy at home, but if you’re thinking about buying, selling, or touring homes, don’t let a little rain stop you! I’m here to help with all your real estate needs, rain or shine. 🏡

Stay safe, drive carefully, and have a blessed week!

Ruby Cuadra, REALTOR®
📞 832-938-7333

☔🏡

06/15/2026

06/15/2026

Ever wonder why your lender pulls your credit reports for your home loan application? https://www.fha.com/fha_article?id=4261

06/15/2026

Who should pre-pay their home loan interest? If you plan to keep your house long-term, the answer may include YOU. https://www.fha.com/fha_article?id=4263

06/07/2026

Please show some love and share away!! 🫶🏼

06/07/2026

🏡 FHA Loan Myth vs. Fact

❌ Myth: You need perfect credit to buy a home.

✅ Fact: FHA loans are designed to help make homeownership more accessible.

General FHA credit score guidelines:
✔️ 580+ credit score may qualify for a down payment as low as 3.5%
✔️ 500–579 credit score may qualify with a 10% down payment
✔️ Individual lenders may have their own minimum credit score requirements that are higher than FHA’s guidelines.

Every buyer’s situation is different, so don’t count yourself out before speaking with a lender!

📲 Curious about your buying power? Send me a message, and I can connect you with a trusted lender to explore your options.

🏡

06/04/2026

🏡 What Does Your Mortgage Payment Include?

Many people think their mortgage payment only covers the loan, but it often includes much more!

Your monthly payment may consist of:

💰 Principal – The amount that goes toward paying down your loan balance.

📈 Interest – The cost of borrowing money from the lender.

🏠 Property Taxes – Taxes assessed by your local government.

🛡️ Homeowners Insurance – Protects your home from covered damages and losses.

💳 PMI (Private Mortgage Insurance) – May be required if your down payment is less than 20%.

This is often referred to as PITI:
✔️ Principal
✔️ Interest
✔️ Taxes
✔️ Insurance

Understanding what’s included in your payment can help you budget more confidently and avoid surprises during the home-buying process.

Have questions about buying a home or what your monthly payment could look like? Send me a message! 📩

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05/27/2026

Do you know how a mortgage calculator can help you in the early days of your home loan journey? https://www.fha.com/fha_article?id=4256