Team Richard Capps

06/06/2026

Mortgage Term of the Day:
The Loan-to-Value Ratio compares the loan amount to the appraised value (or purchase price) of a home.

Formula:
Loan Amount ÷ Home Value = LTV %

🔹 Lower LTV = lower risk for lenders
🔹 Higher LTV may require mortgage insurance
🔹 Staying under 80% LTV helps avoid extra fees

💡 Example: Buying a $300,000 home with a $240,000 loan = 80% LTV

www.teamrichardcapps.com

06/05/2026

Search for properties with my Home Search! Please reach out with any questions or to schedule a showing.

Start searching now: https://homeasap.com/617222/

www.teamrichardcapps.com

06/04/2026

Follow these steps to makeover your room with a fresh coat of paint.

www.teamrichardcapps.com

Learn the steps to make over your room with a fresh coat of paint and get a professional-level finish. Learn how to prepare your walls and the right techniques to paint to eliminate drips, missed spots, and other common painting errors.

06/02/2026

This lakeside villa is giving major dream home energy. 💫 Wouldn’t you just love to live here?

www.teamrichardcapps.com

05/30/2026

This kids’ bedroom design is seriously dreamy! ✨🛏️ Bright, playful, and cozy all at once—perfect for little imaginations to run wild.

What do you think? Would this be a hit for your little ones?

www.teamrichardcapps.com

05/28/2026

Would you love to have a fireplace in your bedroom? 🔥🛏️

It adds such a cozy, romantic vibe—perfect for chilly nights and slow mornings.

www.teamrichardcapps.com

05/28/2026

Are you searching for your next home?
Search the newest listings on the market today! Your dream home is just a few clicks away!

Start searching now: https://homeasap.com/617222/

www.teamrichardcapps.com

05/27/2026

🏝️ OPEN HOUSE — THURSDAY MAY 28th | 5–7 PM!
✨Contact Holly Cole 941-241-9609

🌅 Steps to Anna Maria Island!
💙 Weekend Getaway, Seasonal Retreat, or Smart Investment!
🍽️ Updated Kitchen
🌺 Gorgeous Brazilian Rosewood Flooring
🛋️ Open, inviting floor plan + dining area
🚻 Convenient first‑floor powder room
🌤️ Expansive lanai perfect for entertaining w/ easy pool access
🛏️ Two spacious ensuite bedrooms, each with a private balcony
🚗 Two‑car garage

Location perks:
🏖️ Less than 500 yards to the Gulf!
🌅 Daily sunsets & salty breezes
🎾 Tennis, 🏓 Pickleball, ⚾ Community field
🍤 Close to island shops, dining & all the AMI charm

📍 Open House: Thursday, May 28th | 5–7 PM
6250 HOLMES BLVD, #56, HOLMES BEACH, FL 34217
Don’t miss this coastal gem! 🌊🏡

$849,900 | 2 Bed | 3 Bath | 1,536 Sqft - 6250 HOLMES BOULEVARD, Unit 56, Holmes Beach, FL. BEACHY KEEN… Just steps from the pris... Call (941) 920-7500

05/26/2026

Mortgage Term of the Day:
An interest-only loan allows you to pay only the interest on your mortgage for a set period (usually 5–10 years).

💡 What does that mean?
🔹 Lower monthly payments—at first
🔹 No reduction in the loan principal during the interest-only period
🔹 Payments increase after the interest-only term ends

Best for: Short-term ownership, investment properties, or buyers who expect higher income in the future.
📌 But be careful—once that interest-only period ends, payments can jump!

www.teamrichardcapps.com

05/23/2026

Do you know what you can take with you when you sell your home?

www.teamrichardcapps.com