Julie E Otto Real Estate and Finance

06/20/2025

💸 FRIDAY FEATURE 💸

Before you start house hunting, get familiar with the 5 key things lenders review when you apply for a mortgage. 👇

1️⃣ Credit Score & History – The higher the score, the better your loan options.
2️⃣ Income & Employment Stability – Lenders want to see consistency and reliability.�
3️⃣ Debt-to-Income Ratio (DTI) – Can you afford the new loan and your current obligations?�
4️⃣ Down Payment or Collateral – More money down = less risk for lenders.�
5️⃣ Your Savings – Proves you're financially prepared beyond just the purchase price.

Knowing these in advance can help you boost your approval odds and get the best rates possible. 🏡✅

06/17/2025

Is Now the Time to Sell Your St. Louis Home?

If you’ve been thinking about selling your home in the St. Louis area, you might be wondering if now’s the right time to make a move. The short answer? It just might be. Even with more homes hitting the market recently, desirable properties are still selling quickly — and in some hot neighborhoods, they’re going above asking price.

Curious about what’s driving the market right now?
👉 Click here to read the full blog and find out if now’s the right time for you to sell.
🔗 https://theottogrp.com/blog/is-now-the-time-to-sell-your-st-louis-home

06/09/2025

03/17/2024

🍀Happy St. Pat's 🍀

03/17/2024

Happy St. Pat's

11/30/2023

Five Great White Sharks Swarm Surfers in San Diego (Drone Video)

https://cstu.io/205a77

10/21/2023