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Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 5pm Saturday 9am - 4pm

Dekka Realty

Name: Dekka Realty
Address: Bowie, MD, 20716, US
Telephone: +14434052195

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Bowie, MD
Dekka Realty

We are a resource for Maryland home buyers and sellers to get real estate information to make informed decisions about the buying and selling process.

Let us help you find solutions to your real estate problems. Contact us for FREE Consultation! We have a passion for helping our clients achieve their real estate dreams. With nearly two decades in the industry, we have honed our skills in all areas of real estate, from buying and selling to negotiating and marketing. We are committed to providing our clients top-notch service and personalized att

ention throughout the entire selling or buying process. We have the expertise and market knowledge to help you achieve your real estate goals. Contact us today to learn more about how we can help you with your real estate needs!

02/05/2025

Planning a home renovation? 🏡🛠️ Don't let these common contractor hiring mistakes turn your dream project into a nightmare!

🧐 Skipping the research phase.Meet with multiple candidates and educate yourself on best practices surrounding your project.

💰 Choosing based solely on price.Consider experience, reputation, and the quality of materials they'll use.

🕵️‍♀️ Neglecting to confirm credentials & insurance.Verify claims and check references to ensure you're hiring a qualified professional.

📝 Proceeding without a written agreement.Outline the scope of work, payment schedule, and any warranty information.

💸 Paying too much upfront.A reasonable deposit is standard, but tie the remaining payments to project milestones.

🚧 Failing to get necessary permits.Make sure your contractor handles all the paperwork to avoid fines and safety violations.

🚩 Ignoring red flags after the project has started.Address any concerns promptly and professionally, and seek legal advice if issues persist.

🔗Tap the link in bio and contact us to find out how it could impact the value of your home.

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📲 443-405-2195
📧 [email protected]

02/04/2025

Homeowners with equity have access to two unique financial options: home equity loans and home equity lines of credit (HELOCs). But what’s the difference?

HELOC
💰 Credit line that you can draw upon as needed
💰 Only pay interest on the amount you borrow
💰 Variable interest, depending on your credit score and the prime rate

Home Equity Loan
💰 Lump sum loan (meaning you receive the full amount at once)
💰 Set monthly payments
💰 Fixed interest rate that’s typically lower than a HELOC

The best option for you will depend on your individual needs and circumstances. Reach out for a referral to a loan officer who can help you make an informed decision.

📲 443-405-2195
📧 [email protected]

01/31/2025

Did you know the size of your down payment can have a big impact on your mortgage?

Here are a few of the ways:

📉 Interest Rate
A larger down payment often means a lower interest rate on the money you borrow.

🗓️ Monthly Payment
A bigger down payment means smaller monthly payments, making it easier to budget.

💰 Total Cost
The more you put down initially, the less you'll pay in total over the life of the loan.

🏠 Mortgage Type
Certain mortgages might require a specific minimum down payment.

🔒 Mortgage Insurance

With a smaller down payment, you may need mortgage insurance, adding to your monthly costs.

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📲 443-405-2195
✉️ [email protected]

01/24/2025

Did you know that a high debt-to-income (DTI) ratio is the #1 reason mortgage applications get rejected? 🤯

Your DTI ratio is the percentage of your gross monthly income that goes toward debt payments, including your mortgage.

Lenders use DTI to assess your ability to afford a home. So, how can you avoid rejection and qualify for better rates?

✅ Aim for a DTI ratio of 36% or lower to qualify for the best rates.

✅ Pay down credit cards, auto loans, student loans, and other debt.

✅ Increase your income to offset your debts and lower your ratio.

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📲 443-405-2195
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01/23/2025

The walk-through is one of the last steps in the homebuying process, but you shouldn’t rush it! Here are a few things to check during your final walk-through:

💡 Are all items included in the sale (e.g. light fixtures and appliances) in place and operational?

🚿 Are all major systems working properly?

⚒️ Have all requested repairs been completed?

🗑️ Has the seller removed all personal items and debris?

🚪 Was any significant damage done during the seller’s move out?

Want more expert guidance on the homebuying process? Reach out for a free consultation.

📲 443-405-2195
📧 [email protected]

01/20/2025

Ready to buy a home but feeling overwhelmed by financing options?

Here are four factors to consider when choosing a mortgage:

📈 Credit Score:
This three-digit number can significantly impact your interest rate and the types of loans you qualify for.

📊 Income & Expenses:
Lenders want to ensure your income will comfortably cover your mortgage payments and other debt obligations.

💰 Down Payment:
The amount you put down will affect your loan options, monthly payments, and need for mortgage insurance.

📆 Lifestyle & Risk Tolerance:
Your term length and interest rate type (fixed or variable) should align with your financial goals and comfort level.

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📲 443-405-2195
📧 [email protected]

01/06/2025

You may not be looking to buy or sell a home right now, but did you know we can still be a great resource? Here are 3 reasons to reach out to us:

👷 You need a referral.
Whether you’re searching for a housekeeper or a roofer, we’re happy to share our list of trusted local professionals.

🛠️ You’re thinking about renovating.
We can help you consider how changes you make might affect your home’s resale potential down the road.

📈 You want to know your property’s value.
From taxes to net worth, there are lots of reasons you may need to know your home’s current value — and we offer free assessments.

Save this post to refer back to, and reach out if there’s anything we can do for you today!

📲 443-405-2195
📧 [email protected]

12/09/2024

Considering a reverse mortgage? This type of loan enables owners of a certain age to borrow against their home equity without repayment until they move out or pass away.

But before you sign on the dotted line, here are some benefits and risks to consider:

➕ You can tap into your equity now, when you really need it

➕ You’ll eliminate any existing mortgage payments, so you can lower your monthly expenses

➕ Funds aren’t taxed since they are considered a loan rather than income

➖ Your heirs may need to sell the home after you pass to repay the lender
➖ Interest rates and fees are often higher than those for other types of loans

➖ Associated costs can eat away at the value of your estate
The reality is, reverse mortgages aren’t right for everyone, and downsizing can be a better choice for some homeowners.

Schedule a free consultation to discuss your options.

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📲 443-405-2195
📧 [email protected]

10/30/2024

After years of record-low housing inventory, active listings are on the rise—which is great news if you’re hoping to buy a home. Here’s what you should know:

🏘️ Home inventory is now the highest it’s been since 2020.

🏘️ The share of smaller, more-affordable homes on the market is increasing.

🏘️ Even with a bump in listings, inventory remains well below pre-pandemic levels.

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📲 443-405-2195
📧 [email protected]

09/27/2024

When will mortgage borrowers get some rate relief?

In May, the Federal Reserve stated it has no immediate plans to lower benchmark interest rates, which means mortgage rates are also likely to remain elevated.

Wondering how current rate trends could affect your plans to buy or sell a home?

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📲 443-405-2195
✉️ [email protected]

08/14/2024

Moving can be expensive—and we aren’t just talking about the home purchase! Here are a few of our top tips to cut costs.

🚚 Declutter before you pack. Don’t spend money moving items that you no longer need. Instead, hold a yard sale to help fund your move.

🚚 Get multiple quotes. The cost of movers can vary widely, so explore a few options to ensure you aren’t being overcharged.

🚚 Avoid paying for packing supplies. Post on your community Facebook group or check with local stores for leftover boxes.

🚚 Pack strategically. If you nest items inside one another, you may be able to get away with a smaller, less expensive moving truck.

Contact us to schedule a free consultation!

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📲 443-405-2195
📧 [email protected]

08/07/2024

Are you relocating to a new area? A few simple steps to prepare can make all the difference on move-in day.

For example, it’s much easier to clean or remodel your home before all your belongings have been moved in. Schedule contractors to paint or install new flooring ahead of time so you can enjoy a truly fresh start.

Other steps, such as changing your address, need time to implement. Submit your request to the postal service and other relevant parties well in advance so all your important bills, notices, and deliveries make it to your new doorstep.

🔗Tap the link in bio and contact us to find out how it could impact the value of your home.

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📲 443-405-2195
📧 [email protected]

Address

Bowie, MD
20716

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 5pm
Saturday	9am - 4pm

Telephone

+14434052195

Website

http://www.dekkarealty.com/

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