Hannah Flowers Realtor

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Hannah Flowers Realtor

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12/13/2024

This is a hack that all renters need to know!

Buying a home requires some upfront cash for closing costs–and that can make the idea of paying rent on your lease and a mortgage payment at the same time unappealing. 💸 😞

But there’s a way around this…

It all comes down to clever timing with when your home purchase closes. 📅

Here’s what you need to know:

When you buy a home, you typically won’t pay the mortgage for the first month since it’s included in your closing costs!

For example, if you buy a home in February, you won’t make your first mortgage payment until April 1st. That means that if your lease also ends in February, you’ll go through March without making any rent or mortgage payments. 💰 😄

You can use this timing trick to avoid paying mortgage and rent in the same month, which can add more money to your wallet for fun things like new paint or furniture for your new home.

Save this if you’re home shopping!

12/09/2024

Context matters - so you should know:

1) Existing home sales have been running at ~4 million per year in both 2023 and 2024. This is an unsustainably low figure, and should be closer to 5.0–5.5 million given our population growth.

2) Mortgage rates typically follow the Fed Funds Rate lower. So far they haven’t, but that doesn’t mean they won’t. As odd as it seems, it’s pretty normal for mortgage rates to rise during the initial stage of a Fed’s loosening cycle.

3) Home price declines have been limited to a few states/markets (Florida, Texas), but the recovery in California prices and ongoing strength in Midwestern and Northeastern markets should keep national price growth positive.

11/08/2024

LIVE today & open houses Saturday & Sunday! Come see this stunning uptown condo & picture Fourth Ward living - walkable to Spectrum, Bank of America stadium, Truist Field, Blumenthal, grocery stores & tons of restaurants, bars & parks. This unit & building have been upgraded to the max & it shows! DM me for more info or to set up a showing.

Listing agents: Lauri York & Andy Griesinger - The Griesinger Group, eXp Realty

11/06/2024

Can we all agree on something?

Real estate is about so much more than just making a great investment. 🏦

As we gear up for a new year (hi 2025!), it’s a great time to remember that buying a home isn’t just about finding a fantastic deal on the market.

It’s about finding a property that you can call HOME and that will serve as the perfect backdrop for your life–both now and in the future. 💗

But how do you find that perfect home? Here are a few tips:

1. Get clear on your current AND future needs vs wants. While no one can predict the future, you probably have a few ideas on what your life will look like in the next 5 years. Make a list of what you think you’ll need from a home both now and in the future. Identify what are non-negotiables and what are nice to have's.

2. Check out the different neighborhoods in your area to find one you love! This is a great time to check out up-and-coming neighborhoods that will appreciate in value in the near future for a great investment. 🏘️ I can help with this!

3. Get clear on your budget. Making sure you understand your income, debts, and what you can really afford both now and in the future is key to making a smart investment in a home. Remember to think ahead as well! Sticking to a budget that works for you is important, and so is factoring in the price of the house (doesn't change) and the rate you borrow at (which can change, if you have an adjustable rate mortgage or choose to refinance).

Now is the time to find a home that truly fits you and your future using these tips.

Like this post if you can see yourself buying a home in 2025!

11/05/2024

Homeowners, do NOT miss out on this tip!

You want to make the most profit when selling your home right?

Then you need to avoid this BIG mistake: overpricing your home!

If you price your home too high, you can scare away potential buyers. This lack of interest can make your listing sit on the market for longer and result in price reductions.

Overpricing is the #1 reason listings go stagnant and why listing prices get reduced.
When buyers see a home that's been on the market for a long time, they wonder why no one has snagged the deal yet and end up suspicious.

How do you avoid making this mistake? Work with your agent to create a strategic price plan based on the local market.

We pull the most recent and best data, analyze current inventory, and consider your needs and timing to help us fine-tune the best price in our current market and net you the most money.

10/28/2024

Feeling hung up on interest rates when it comes to buying a home?

Here's something to consider:

You're probably already paying a LOT in interest with your car loan or credit cards
but that interest rate goes all the way up when you think about rent.

even though rent doesn't come with an
explicit interest rate, renting is essentially like paying a 100% interest rate.

Unlike a mortgage, where you build equity, every single rent dollar is gone forever into your landlord's pocket.

When you own a home and pay a mortgage, you build equity, which goes back into your pocket when you sell. You also have the ability to leverage that equity without selling. Plus, you have a more stable living situation since you're not at the mercy of rising rent prices!

10/21/2024

What you need to know about:

🏡the Fed & rates
🏡CPI (inflation)
🏡builders confidence
🏡first time buyers & the election
🏡Zillow’s home prices forecast
🏡important upcoming dates

10/14/2024

⭐️🚨New season, NEW firm!🚨⭐️

Excited to get off to a strong start & close out 2024 with a bang as I affiliate with Andy & The Griesinger Group at eXp Realty. Joining forces with a top producer & social media rockstar at the largest independent real estate company in the world means I will have access to market leading tools & top of the line technology to better serve my clients and continue to grow my knowledge and skill set. I am committed to always learning and being the best agent I can be, and I feel confident this will be reflected in the client experience.

Be on the lookout for a different email address & branding, but always the same phone number! Text me today & let’s set up a call to discuss your next moves 📲704.291.6078

08/16/2024

The problem isn’t the coffee. The problem is instant gratification. Hear me out.

I am the first to say I LOVE an overpriced latte bought at a coffee shop. 🙃 But truthfully, I love it more when it’s a treat instead of a regular / daily habit. It loses some of the appeal and that $7 hurts less over time.

Even a $7 latte 5x a week probably wouldn’t hurt you significantly if you were trying to save for a down payment or to pay your car off. But human nature is not the kind to only treat ourselves to the coffee - it’s the habit of not paying attention or caring to where the dollars go. So the lattes, the avocado toast, the wasted subscriptions and memberships and frequent meals out - that DOES make a difference - probably a few thousand dollars over a year.

Delayed gratification & working toward a bigger goal means resisting the temptation of an immediate reward in favor of a more satisfying reward in the future.

It means better decision making, confidence in yourself because you are disciplined in achieving goals, more control over every area of your life, lower stress and higher satisfaction.

Try visualizing your goal and how great it would feel to be in a house, or pay off debt, or go on the dream trip, whenever you’re tempted to spend $25 at 7/11 without a second thought.

View the money you’re saving as an investment in your future, not as depriving yourself. Focus on what you have and practice gratitude instead of leaning in to over consumerism (which is hard in our society). There are so many strategies to approach this and small lifestyle adjustments you can make.

Don’t forget that progress means more than perfection! Reward yourself once you hit small goals & always try to strike a balance.

Address

Charlotte, NC

Telephone

+17042916078

Website

http://www.andyre.com/

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