Sharonda Scarbrough, Realtor - Real Estate Transitions

Sharonda Scarbrough, Realtor - Real Estate Transitions Ready for your next transition? Let’s talk

Realtor® | Life Transition Real Estate Specialist

Helping buyers, sellers, and investors navigate every season of change with clarity and strategy - locally and through trusted professionals nationwide.

04/24/2026

When paradise isn’t just a vacation

04/18/2026

Don’t keep reading everyone’s fear on this good ole app and letting it hinder your plans of owning a home 🙄

Call me and get a plan for YOUR goal! Message me to see how I can help you get started 💗

04/12/2026

Aye 😏 Real Estate really my THANG! God really Blessed me with a passion for helping people and I don’t take it for granted 🥹

04/08/2026

Let’s talk about buying a fixer upper… because a lot of y’all are sleeping on this 👀 I showed a client a home last night and his mindset was right on point with finding the “perfect home” he jus needed a lil education in order to make a sound decision 😏

Not every home has to be perfect when you buy it. Sometimes the right move is getting a home with potential and MAKING it your own over time.

But here’s where people get confused…
FHA vs Conventional when buying a fixer upper

Let me break it down real quick 👇🏾

⸻

FHA Loan (3.5% down):
This is usually more flexible when it comes to your credit and down payment, BUT…

👉🏾 The home has to meet certain condition requirements
👉🏾 Major issues (roof, safety hazards, etc.) can be a problem
👉🏾 You can use something like a FHA 203k loan to roll repairs into the loan (a lot of people don’t even know this 👀)

So FHA can work… but the property still has to be somewhat livable.

⸻

Conventional Loan:
This is where you typically get more flexibility with the condition of the home

👉🏾 Sellers may prefer conventional offers
👉🏾 You may be able to get a property that needs more cosmetic work
👉🏾 There are also renovation loan options here too

BUT…
👉🏾 Usually requires stronger credit
👉🏾 Higher down payment (depending on your situation)

⸻

So which one is better?

Honestly… it depends on YOU.

Your finances.
Your goals.
How much work the property needs.

Some of y’all are trying to go FHA on a home that really needs a conventional strategy… and that’s why deals be falling apart 👀

⸻

Buying a fixer upper can be a POWER move if done right.
Lower purchase price + building equity = long term win.

⸻

If you’ve ever thought about buying something you can fix up…

Drop “FIXER” below or message me.
I’ll help you figure out what actually makes sense for your situation 💖

What’s your favorite VA Loan Benefits? We all know the basics. What’s something more people should know?
04/06/2026

What’s your favorite VA Loan Benefits? We all know the basics.

What’s something more people should know?

04/05/2026

Literally Message me 🤷🏾‍♀️

04/05/2026

Be real…

Would you invest in Monterey County knowing:
– high prices
– strong appreciation
– rental demand varies by area

Or would you take your money out of state? 👀⬇️

🔑 I GET IT! I GET IT! You waiting on interest rates to drop I just came to ask uuumm what interest rate are you waiting ...
04/03/2026

🔑 I GET IT! I GET IT!

You waiting on interest rates to drop

I just came to ask uuumm what interest rate are you waiting to see 👀

04/01/2026

🏠 🔑 Random question for my homeowners and future homeowners…

If you could add ONE thing to your home right now, what would it be?

A bigger kitchen
A backyard oasis
A home gym
A walk-in closet
Or something else?

I’m curious 👀 drop it in the comments 🤗

Address

Lincoln Street
Carmel, CA
93921

Website

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