Ce'Erra Rumber, Realtor

04/02/2024

No worries if you missed the event last month, I’m doing it again! 😏 This time I’m bringing the heavy hitters: Lender, Inspector, and others. 🥊

So many people think they need just a Realtor but this is a team sport! Regardless of your timeline, come get your questions answered and leave with CONFIDENCE that you can purchase in this market! 🏠

Bring a friend so y’all can walk into wealth together. 👑 🔑

March your calendar!

📍 April 24,2024 at 6pm
Chesterfield, Va

https://www.eventbrite.com/e/homebuyers-seminar-tickets-876055013127

Ce’Erra Rumber, REALTOR
Covenant Realty
708-250-9305
[email protected]

03/22/2024

You don’t know what you don’t know. Come join me next week to learn about the home-buying process. It’s always a good feeling to hear client say “I didn’t know that”. Of course you didn’t! You have to absorb information from the professionals and ask questions yourself!

*Buyers the price went up and I’m not talking interest rates! Come hear what this means and options to help!

It’s virtual so you have no excuse not to prepare for your future in your next home! Whether you’re looking to buy now, 6months or more it’s time to prepare.

Excited to see you there! ☺️

https://us06web.zoom.us/meeting/register/tZMod-uhrT0uH9QG7k5otwAjZ33QdEuZFis5

11/18/2022

The supply of homes for sale has increased this year compared to last, but supply is still far below more normal years like 2019. One reason is because of decades of underbuilding. That means your house should still be in demand if you work with an agent to price it right. If you’re ready to sell, DM me to get started.

11/17/2022

Don't Let the Down Payment Myth Hold You Back

Whether you’re a first-time or repeat buyer, chances are you don’t need to put 20% down when buying a home. Let’s connect to make sure you have all the facts you need to know in the homebuying process.

11/16/2022

Avoid the Rental Trap

Rents have risen dramatically for over three decades. Let’s connect so you can have expert advice on your side to help you reach your homeownership goals.

11/15/2022

Why It May Be Time To Add Newly Built Homes to Your Search

If you put a pause on your home search because you weren’t sure where you’d go once you sold your house, it might be a good time to get back into the market. If you’re willing to work with a trusted agent to consider a newly built home, you may have even more options and incentives than you realize.

>>More Options To Choose from and Potential Builder Incentives

While the inventory of existing homes has increased this year, it’s still below more typical years like 2019. While it’s a smaller segment of the overall inventory of homes for sale, the supply of newly built homes has grown even more.

Because the inventory of newly built homes has grown so much, builders are motivated to sell their properties before they build more. Back in the housing crash of 2008, builders were building too many homes, and that oversupply is part of what...

If you put a pause on your home search because you weren’t sure where you’d go once you sold your house, it might be a good time to get back into the market. If you’re willing to work with a trusted agent to consider a newly built home, you may have even more options and incentives than you re...

11/14/2022

Home Equity: A Source of Strength for Homeowners Today

Experts agree there’s no chance of a large-scale foreclosure crisis like we saw back in 2008, and that’s good news for the housing market. As Mark Fleming, Chief Economist at First American, says:

“. . . don’t expect a housing bust like the mid-2000s, as lending standards in this housing cycle have been much tighter and homeowners have historically high levels of home equity, so there likely won’t be a surge in foreclosures.”

But even though the volume of homeowners at risk is very low, there is still a small percentage of homeowners who may be coming face to face with foreclosure as a possibility today.

The good news is there are alternatives available to help you avoid going through the foreclosure process, including:

• Reinstatement
• Loan modification
• Deed-in-lieu of foreclosure
• Short sale

But before you go down any...

Experts agree there’s no chance of a large-scale foreclosure crisis like we saw back in 2008, and that’s good news for the housing market. As Mark Fleming, Chief Economist at First American, says:

11/11/2022

Homeownership is still the American Dream. One way we can honor and thank our veterans this year is to ensure they have the best information about the benefits of VA Loans and the homebuying process. If you have questions about where to start on your journey to homeownership, DM me today.

11/10/2022

VA Loans Can Help Veterans Achieve Their Dream of Homeownership

For over 78 years, Veterans Affairs (VA) home loans have provided millions of veterans with the opportunity to purchase homes of their own. If you or a loved one have served, it’s important to understand this program and its benefits.
Here are some things you should know about VA loans before you start the homebuying process.

VA home loans provide a pathway to homeownership for those who have served our nation.

Top Benefits of the VA Home Loan Program

In addition to helping eligible buyers achieve their homeownership dreams, VA loans have several other great benefits for buyers who qualify. According to the Department of Veteran Affairs:

• Qualified borrowers can often purchase a home with no down payment.
• Many other loans with down payments under 20% require Private Mortgage Insurance (PMI). VA Loans do not require PMI, which...

For over 78 years, Veterans Affairs (VA) home loans have provided millions of veterans with the opportunity to purchase homes of their own. If you or a loved one have served, it’s important to understand this program and its benefits.

11/09/2022

What’s Ahead for Mortgage Rates and Home Prices?

Now that the end of 2022 is within sight, you may be wondering what’s going to happen in the housing market next year and what that may mean if you’re thinking about buying a home. Here’s a look at the latest expert insights on both mortgage rates and home prices so you can make your best move possible.

>>Mortgage Rates Will Continue To Respond to Inflation

There’s no doubt mortgage rates have skyrocketed this year as the market responded to high inflation. The increases we’ve seen were fast and dramatic, and the average 30-year fixed mortgage rate even surpassed 7% at the end of last month.

Because we’re in unprecedented territory, it’s hard to say with certainty where mortgage rates will go from here. Projecting the future of mortgage rates is far from an exact science, but experts do agree that, moving forward, mortgage rates will...

Now that the end of 2022 is within sight, you may be wondering what’s going to happen in the housing market next year and what that may mean if you’re thinking about buying a home. Here’s a look at the latest expert insights on both mortgage rates and home prices so you can make your best move...

11/08/2022

The Majority of Americans Still View Homeownership as the American Dream

Buying a home is a powerful decision, and it remains a key part of the American Dream. Let’s explore just a few of the reasons why so many Americans continue to value homeownership.

>>The Financial Benefits of Owning a Home

Over time, owning a home not only helps boost your own net worth, but it also sets future generations up for success as you pass that wealth down. That may be why the Mynd report also says:

“Most Americans (78%) still associate homeownership with the ‘American dream.’ And nearly two-thirds of Americans (65%) see homeownership as a means of building intergenerational wealth.”

>>The Non-Financial Benefits of Homeownership

While the financial benefits of owning a home are important, becoming a homeowner impacts you on a social and emotional level, too. As Mark Fleming, Chief Economist for First American...

Buying a home is a powerful decision, and it remains a key part of the American Dream. In fact, the 2022 Consumer Insights Report from Mynd found the majority of people polled still view homeownership as a key life achievement. Let’s explore just a few of the reasons why so many Americans continue...