Raah Real Estate

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RAAH Real Estate is rooted in the Hebrew word ā€œRaah,ā€ meaning ā€œto pastureā€ or ā€œto tend with care.ā€ It reflects our belief that real estate is more than a transaction - itā€™s about guiding, protecting, & serving people with trust, attentiveness, & care.

10/16/2026

You didnā€™t ask, but Iā€™m gonna tell you anyway! šŸ”

Think you need perfect finances to buy a house? Think again!

Here are 3 things you need to know BEFORE buying:

šŸ’³ 1. Credit Score: Typically 580+ for certain loan programs, but higher scores can mean better loan options and rates!

šŸ’° 2. Down Payment: As little as 3ā€“3.5% for some loans, and certain programs offer 0% down!

šŸ“Š 3. Debt-to-Income Ratio (DTI): Ideally 43% or less, although some lenders allow 50% or more depending on your qualifications.

Bottom line? You might be closer to homeownership than you think! Donā€™t disqualify yourself before talking to a lender.

10/15/2026

A tiny electric bill looks fantastic in the listing paperwork. It does not tell you whether there is a separate solar payment attached to the house.

Solar panels may be owned outright, financed with an outstanding loan, leased from a solar company, or connected to a power purchase agreement. Each setup can affect the sale differently.

Before buying the home, you need to know who owns the system, whether money is still owed, how much the monthly payment is, whether that payment can increase, and what the company requires from a new owner. You should also ask about warranties, roof repairs, insurance, and what happens if the panels ever need to be removed.

Lower electric bills can absolutely be valuable. The problem is assuming the panels are included free and clear because they are sitting on the roof.

Considering a home with solar panels? DM me SOLAR with the listing. Iā€™ll help you request the contract, payment details, and transfer requirements before you make a decision.

10/15/2026

šŸ” You didnā€™t ask but Iā€™m gonna tell you anywayā€¦

An Inspection Objection and an Inspection Resolution are NOT the same thing. Shocking, I know. šŸ˜‰

šŸ”Ž Inspection Objection: The buyerā€™s wish list of repairs or concerns theyā€™d like the seller to address. Keyword: REQUEST.

šŸ¤ Inspection Resolution: What the buyer and seller actually negotiate and agree to IN WRITING.

Hereā€™s where it gets funā€¦ Just because you ask doesnā€™t mean youā€™re getting it. And just because the seller says no doesnā€™t mean negotiations are over!

šŸ’” Bottom line: Know your deadlines, choose your battles, and rememberā€¦ itā€™s a negotiation, not a Christmas list! šŸŽ„

10/14/2026

The model home did its job if you started imagining your furniture inside before asking which features were actually included.

Model homes are designed to show the builderā€™s best finishes, most desirable layout options, and premium upgrades. The base price advertised online may not include the flooring, cabinets, lighting, appliances, lot, or structural options you just fell in love with.

The contract matters even more than the finishes. It explains what happens to your deposit, how construction delays are handled, when inspections are allowed, what the warranty covers, and what happens if your financing or appraisal becomes a problem.

The builderā€™s sales representative can answer questions about the homes, but that representative works for the builder. Having your own agent involved gives you someone focused on your questions, your budget, and the decisions you are being asked to make.
Touring a model home this weekend? DM me BUILD before you go. Iā€™ll help you separate the standard features from the upgrades and walk in with the right questions before you sign anything.

10/13/2026

You didnā€™t ask but Iā€™m gonna tell you anyway. šŸ”

āš ļø Your Inspection Resolution could derail your closing!

Careless wording can trigger lender underwriting conditions, delay closing, or even kill the deal!

And if repairs canā€™t be completed before closing? An escrow holdback of 1.5x the repair cost may be required, depending on the lender and title company.

Choose your words carefully. One sentence could cost you the sale! šŸ˜¬

10/13/2026

Normally, when someone sells a house, their mortgage is paid off and the buyer gets a new mortgage at a currently available interest rate.
An assumable mortgage works differently. If the existing loan qualifies and the buyer is approved, the buyer may be able to take over the sellerā€™s remaining mortgage balance, interest rate, and repayment term.
That means a buyer could potentially purchase a home today while keeping the sellerā€™s much lower mortgage rate.
The buyer does not get the sellerā€™s equity for free. If the home sells for $400,000 and the seller only owes $250,000, the buyer would need a plan for the remaining $150,000. The buyer must also qualify, and the loan servicer must approve the assumption.
Not every mortgage is assumable, but certain FHA and VA loans may qualify. When the rate is low enough, it is absolutely worth asking the question.
Found a home you like? DM me ASSUME with the listing. Iā€™ll find out whether the sellerā€™s mortgage may be assumable and help you understand what taking it over would actually require.

10/12/2026

The list price tells us what the seller is asking. It does not tell us what might help them say yes. Before my buyer writes an offer, I call the listing agent. I want to know whether there are other offers, whether the seller needs a specific closing date, and whether certain terms matter more than squeezing out every last dollar.

That conversation can also uncover details we need to address before signing anything. Maybe the seller plans to take the dining room chandelier. Maybe a previous buyer completed an inspection. Maybe the seller needs extra time to move. None of those details appear in the list price, but they can change how we structure the offer.

The goal is not to give away the buyerā€™s negotiating power. It is to understand the situation well enough to write an offer that protects the buyer and gives the seller a reason to choose it. Thinking about making an offer? DM me OFFER with the listing before you submit anything. Iā€™ll help you gather the information we can and build a smarter strategy around it.

10/11/2026

You didnā€™t ask but Iā€™m gonna tell you anyway. šŸ”

Inspection Objection vs. Inspection Resolutionā€”thereā€™s a BIG difference!

šŸ“ Objection: The buyer submits requests for repairs, replacements, or concessions.

šŸ¤ Resolution: The seller does their due diligence, negotiates, and both parties sign off on what theyā€™ve actually agreed to.

āš ļø Hereā€™s the kicker: Be VERY careful how that resolution is worded! Certain repair language can raise red flags with a lender, potentially delaying closing or triggering additional requirements.

The goal? Protect your buyer, document the agreement accurately, and donā€™t create unnecessary financing headaches.

Because nobody wants to turn a simple repair negotiation into a lender-sponsored renovation project. šŸ˜‚

10/11/2026

You didnā€™t ask but Iā€™m gonna tell you anywayā€¦ šŸ”

Your lender is NOT your home inspector! šŸ§

Your lender generally does NOT need your full home inspection report, so stop oversharing!

If youā€™re using an FHA or VA loan, the appraiser will evaluate the property for applicable loan-related condition requirements.

Your inspection report is for YOU, not your lenderā€™s reading pleasure. šŸ˜‰

Share whatā€™s required, not everything you know!

10/09/2026

You didnā€™t ask but Iā€™m gonna tell you anyway. šŸ”

Your lender needs to know about your finances, not necessarily every little thing wrong with your future house! šŸ«£

That home inspection report? You generally DONā€™T have to hand over the whole thing. And trust me, sometimes oversharing creates problems you didnā€™t need!

If it doesnā€™t affect your loan, appraisal, insurance, or required disclosures, think twice before volunteering it.

Transparency is important. Oversharing isnā€™t always helpful. šŸ˜‰

Address

Bellvue, CO
80512

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm
Saturday 10am - 7pm
Sunday 10am - 7pm

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