My_QC_Realtor

My_QC_Realtor Here to help navigate you through this market and reach your real estate goals! Let's win together!

08/22/2022

Here’s a little context to the Monthly Market Update:

The best time to buy is always when you feel you are ready, but remember there is a cost to waiting

No one can time the market, and that’s not the important part anyway…

It’s the TIME IN the market that’s important!

Interest rates change, and when the time comes to get a better rate, refinance!

Let’s chat so we can talk strategy and get a game plan on making your next move, your best move!

Just do it 😉

✨Victor Smith NC|SC Realtor

📍BHGRE | Paracle
📞704-388-6072
👨🏾‍💻myqcrealtor.com

08/17/2022

An adjusting market is a great opportunity for buyers to get in the game, but before you play, make sure you position yourself in the best possible way to win 🥇

The amount of debt you have compared to your income is a major factor in what type of home loan you qualify for.

The Snowball Method is a great way to quickly pay down your debts to lower your Debt-to-Income ratio and help get you qualified for the best possible loan for you!

1️⃣ Stop accumulating bad debt!
2️⃣ List our all your debt
3️⃣ Make 3 columns beside each debt (Amt. Owed, Min. Amy. Due, and # of Months)
4️⃣ Rank debts in order of # of Months
5️⃣ Adjust and/or budget to come up with any extra funds (ideally $150-$200)
6️⃣ Pay Min. Amt. Due on all debts each month
7️⃣ For debt #1, pay additional $150-$200 (or whatever extra you have) to the Min. Amt. Due each month until the debt is fully paid
8️⃣ Add that total monthly payment (Min. Amt. Due + $150) you made to debt #1 to the Min. Amt. Due for debt #2 until the debt is fully paid
9️⃣ Continue adding the total monthly payment of the previous debt to the new debts Min. Amt. Due until all debts are paid off

If you are wondering how to come up with the the extra $150-$200/month, think about what you could adjust in your daily life to help you reach that goal… $150-$200 is roughly $7/day which is around the cost of a drink at !

Click the link below or in my bio to access my YouTube channel that has the full video that goes into greater detail on how to make this snowball method work for you!

https://linktr.ee/my_qc_realtor

✨Victor Smith NC|SC Realtor

📍BHGRE | Paracle
📞704-388-6072
👨🏾‍💻myqcrealtor.com

🏡 CHARLOTTE MARKET UPDATEJuly 2021 - July 2022 (YoY)👉🏾 NEW HOMES LISTED: -6.0%👉🏾 UNDER CONTRACT: -14.6%👉🏾 HOMES SOLD: -2...
08/17/2022

🏡 CHARLOTTE MARKET UPDATE
July 2021 - July 2022 (YoY)

👉🏾 NEW HOMES LISTED: -6.0%
👉🏾 UNDER CONTRACT: -14.6%
👉🏾 HOMES SOLD: -21.5%
👉🏾 AVG SALES PRICE: +15.4%
👉🏾 MONTHS SUPPLY: +27.3%

What does this mean for you? OPPORTUNITY!

Now’s your time to buy or sell your home! Reach out to me to learn how!

✨Victor Smith NC|SC Realtor

📍BHGRE | Paracle
📞704-388-6072
👨🏾‍💻myqcrealtor.com

HAPPY FRIDAY!!Oftentimes the best opportunities appear in a different form and from a different direction than expected....
07/29/2022

HAPPY FRIDAY!!

Oftentimes the best opportunities appear in a different form and from a different direction than expected.

It can be tricky like that.

Maybe that’s why many fail to recognize it when it appears 🤷🏾‍♂️

Sharpen your vision, and look at things that aren’t working as an opportunity to achieve. Then make a plan and attack.

You got this! I believe in you!

✨Victor Smith NC|SC Realtor

📍BHGRE | Paracle
📞704-388-6072
👨🏾‍💻myqcrealtor.com

#2022

Donut be scared of buying in today’s real estate market! As your real estate advisor, I’m able to help guide you through...
06/03/2022

Donut be scared of buying in today’s real estate market! As your real estate advisor, I’m able to help guide you through this very exciting and competitive market. Call me today at 704-388-6072 and let’s talk

Who’s gonna drive you home➡️ 🙋🏾‍♂️🙋🏾‍♂️🙋🏾‍♂️ ⬅️Let me walk with you through your home buying journey and educate and pre...
08/16/2021

Who’s gonna drive you home

➡️ 🙋🏾‍♂️🙋🏾‍♂️🙋🏾‍♂️ ⬅️

Let me walk with you through your home buying journey and educate and prepare you along the way!

✨Victor Smith, NC Realtor/Broker

📍 Costello REI
💻
📞 704-388-6072
📧 [email protected]
👨🏾‍💻 victorsmith.costellorei.com



✨ℹ️ The debt-to-income (DTI) ratio determines whether you’re eligible for your desired mortgage and how much house you c...
08/09/2021


ℹ️ The debt-to-income (DTI) ratio determines whether you’re eligible for your desired mortgage and how much house you can afford.

ℹ️ A “good” DTI can vary based on your circumstances, but in general you want to aim for around 36% or less but no higher than 43% if you can help it. Keep in mind that having a “good” DTI matters less than having a DTI that works with your personal finances and home buying goals

ℹ️ Lenders typically view DTI as:
• 36% DTI or lower: Excellent
• 43% DTI: Good
• 45%: Acceptable (based on type/lender)
• 50%: Absolute maximum (with compensating factors like a higher credit score or bigger down payment)

ℹ️ To calculate your DTI, start by adding up all your monthly debt payments (make sure to include estimated property taxes and homeowners insurance along with your estimated monthly mortgage payment and private mortgage insurance PMI if you are putting less than 20% down).
Next, divide the sun if your debts by your “unadjusted gross monthly income” (this is the amount you earn every month before taxes and other deductions are taken out AKA your “pre-tax income).
Then multiply that figure by 100.

Let’s talk more about what your DTI looks like for you and create a plan to adjust your DTI or get you a loan product that fits your goals and circumstances.

✨Victor Smith, NC Realtor/Broker

📍 Costello REI
💻
📞 704-388-6072
📧 [email protected]
👨🏾‍💻 victorsmith.costellorei.com

✨Agency is the sense of control that you feel in your life, your capacity to influence your own thoughts and behavior, a...
08/09/2021


Agency is the sense of control that you feel in your life, your capacity to influence your own thoughts and behavior, and have faith in your ability to handle a wide range of tasks and situations

Your sense of agency helps you to be psychologically stable, yet flexible in the face of conflict or change

In today’s world, cultivating and protecting your sense of agency is extremely important

Ways to help create agency in your life ⬇️

1️⃣ Control stimuli.
Agency begins with what you let into your mind — meaning what comes in from your environment

2️⃣ Associate selectively.
Surround yourself with friends, family, and communities who encourage you to reach your full potential, nurture your talents, and affirm your values

3️⃣ Move.
Exercise can lead to greater self-control — the ability to deter gratification, which is key to agency

4️⃣ Position yourself as a learner.
Practicing a growth mindset — where you recognize that you are a work in progress, capable of learning and changing — can help combat the fear of failure or judgement that often come with learning new things

5️⃣ Manage your emotions and beliefs.
Increasing your awareness of how your emotions and beliefs drive your thinking, influence your behavior, and affect your judgement will help you navigate life with greater confidence

6️⃣ Check your intuition.
You can get better at using intuition to inform your decision-making if you learn to quiet your mind, develop a greater awareness of what you’re thinking and feeling, and listen to your body

7️⃣ Deliberate, then act.
Taking action doesn’t require 100% certainty. Higher-agency people will start to act if they are 80% sure or more. So, don’t over-deliberate before acting. You can always reassess later if need be

✨Victor Smith, NC Realtor/Broker

📍 Costello REI
💻
📞 704-388-6072
📧 [email protected]
👨🏾‍💻 victorsmith.costellorei.com

Competition I don’t see any…Except with me🌱      ✨Victor Smith, NC Realtor/Broker📍 Costello REI💻 📞 704-388-6072📧 victors...
08/02/2021

Competition I don’t see any…

Except with me

🌱



✨Victor Smith, NC Realtor/Broker

📍 Costello REI
💻
📞 704-388-6072
📧 [email protected]
👨🏾‍💻 victorsmith.costellorei.com

Open House in Indian Trail! 🏡  Click below for INSTANT ACCESS to all photos, details and more! 👨‍👩‍👧‍👦  https://www.sear...
07/31/2021

Open House in Indian Trail! 🏡

Click below for INSTANT ACCESS to all photos, details and more! 👨‍👩‍👧‍👦

https://www.searchallproperties.com/information/2952334?s=2&885046875

Gorgeous home in the desirable Bonterra community. This 5 bedroom home features a large owners suite downstairs with an adjoining office/nursery, larg...! ❤️

Get the Current Price, Photos, Details & More Now!

Toss a dime and you’ll hit a real estate agent!That’s how saturated our current market is There’s a fit for every walk o...
07/30/2021

Toss a dime and you’ll hit a real estate agent!

That’s how saturated our current market is

There’s a fit for every walk of life

I’m here to help you get clear on your goals, create a plan to reach them, and walk with you as you execute and grow into the person you are destined to be

We get to the finish line step-by-step, putting one foot in front of the other, and creating a cadence that we can maintain and even stretch ourselves a bit

I’m in it with you each step of the way, and I won’t leave you

Remember, this isn’t a sprint, it’s a marathon, and all you gotta do to finish it is to put one foot in front of the other

Good.. now repeat.

Great! Keep doing that. That’s how you do it!

Now put that foot out, take the step, and give me a call, text, or DM

It’s time

You got this!





✨Victor Smith, NC Realtor/Broker

📍 Costello REI
💻
📞 704-388-6072
📧 [email protected]
👨🏾‍💻 victorsmith.costellorei.com

🏡

🔥HOT PROPERTY ALERT!!!🔥Come see me tomorrow (Saturday, July 31, 2021 from 11am-2pm)I’ll be hosting the open house for th...
07/30/2021

🔥HOT PROPERTY ALERT!!!🔥

Come see me tomorrow (Saturday, July 31, 2021 from 11am-2pm)

I’ll be hosting the open house for this AMAZING property in Indian Trail!

This gorgeous 5 bedroom home features a large owners suite downstairs with an adjoining office/nursery and a ton of space throughout for entertaining and living!

You don’t want to miss out on the beautiful backyard that wood backing and includes a newly built putting green and a built in grilling area and fire pit!

📍1201 Belmont Stakes Avenue, Indian Trail, NC 28079
MLS #: 3765942 | $485,000

Hosted by me!
Listed by

See you tomorrow!

✨Victor Smith, NC Realtor/Broker

📍Costello REI
💻
📞704-388-6072
👨🏾‍💻Victorsmith.costellorei.com

🏡

Address

Charlotte, NC

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

Telephone

+17043886072

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