Shannon Johnson,Realtor

08/17/2023

🏡I've got a secret to spill: becoming a homeowner isn't about just having the dollars; it's about having the right know-how too!I've seen so many awesome folks itching to nest in their very own space, but hey, saving can be a bit of a head-scratcher sometimes. No worries though, because I'm here to be your saving grace! 🙌

✨️Let's break it down, step by step, so you can strut into your dream home like a champ:

1.Get Cozy with Your Finances: It's like cozying up with your favorite blanket, only its numbers! Apps like Mint or 'You Need a
Budgets are like your financial sidekicks, helping you figure out where your money's going and what you can stash away for your castle. 🏰✨ Follow the 28/36 rule: keep housing costs under 28% of your monthly moolah and total debts under 36%.

2.Make a House Fund Your BFF: Open up a fancy high-yield savings account, and let the savings party begin! 🎉 Set up a monthly date with automatic transfers to grow that "house fund" of yours.

3. Flaunt Your Credit Score: Just like wearing your favorite outfit, maintaining good credit is all about showing off those impressive moves. Keep that credit utilization under 30%, pay those bills like a pro, and give high-interest debts a little nudge out the door. 📈💸

4. Sniff Out Sweet Mortgage Program: Explore those nifty loan programs that offer low or zero down payments. Yep, there are some federal, state, and local heroes that can make your mortgage dreams even sweeter. Psst, need a guide to navigate this maze? I'm on your map, just send me a message! 🗺️💌

✨️Ready to make those homeowner dreams a reality? Drop a "READY" below, and I'll whisk you away to my ultimate buyer guide, packed with secrets to make this journey as smooth as butter.

🏃🏾‍♀️🏃🏾‍♀️Remember, this is a marathon, not a sprint. Slow and steady wins the homeownership race. So go ahead, save this post, and let's paint that path to your very own doorstep, one step at a time.

Your partner in all things "Home Sweet Home,
Shannon🏡✨️

08/08/2023

🏡 Curious about the secret recipe that gets lenders nodding "yes" to your home loan dreams? Spoiler alert: It's that magical thing called your credit score.
Yep, your credit score is like the VIP pass to the world of interest rates and loan terms. But don't worry, I've got the scoop right here for you. 🧁

🎯 Credit Score Ranges: Picture this: credit scores are like a game with scores ranging from 300 to 850. To kickstart your home-buying adventure, aim for a credit score of 620 or higher for conventional loans. FHA and VA loans give a thumbs-up to 580, while USDA loans wave hello at 640 and above.

✨ The Power of a High Score: Ready for some magic? Credit scores above 700 are like having a financial superhero cape. They open doors to the best rates and terms for your loan. Let's set our sights high and chase those benefits!

🤓 Understanding the Score: Don't worry, it's not rocket science. Your credit score cooks up from ingredients like payment history, credit use, credit history length, credit variety, and those little inquiries. Manage these pieces wisely, and you're on your way to score-boosting greatness.

🕵️‍♀️ Your Credit Score...and Beyond: Lenders aren't just about numbers – they also dig into your financial story. Stuff like a steady income, your job history, and a balanced debt-to-income ratio? They matter too. It's all about showing that money-savvy side and getting that shiny new loan with a bow on top.

👍 Found this post sprinkle-worthy? Give it a heart and pass on the wisdom to a buddy ready to dive into the world of homeownership. And hey, don't hesitate to hit me up. Got questions about loans or qualifications? Slide into my DMs – I'm all ears! 📬🏠

05/10/2023

They say your sister or cousin is your first friend🤎🤞🏽 My cousin came first and my sister 12 years later. If the walls could talk, the stories they would tell.

05/04/2023

Let's take about the #1 reason you're not ready to purchase a home in 2023‼ Top 5 strategies to get you there 🏡🏡

Unsure if you're ready to purchase a home in 2023? Unsure exactly when and where to start the buying process? This video provides you with a 5 step action pl...

09/23/2022

Always ensure you know your position during the home buying process with your partner. If your name isn't on the deed and/or you're not married, you have no rights to the property.

09/13/2022

Welcome Home!! This beautiful newly constructed home not only comes with a 1 year warranty but custom cabinets, stainless steel appliances and premium finishes.

🏡 5 Beds
🚿4 Baths
🚘 3 Car Garage
🏡 3,444 SqFt

Asking: $709,900

For more information and/or a private showing contact me today!!

Shannon Johnson, Realtor ®️
Designer Agents Realty
📲 (912)246.9287
📧 [email protected]

Exclusively listed by Robert Garcia w/ Robert Garcia & The Reda Sales Team

03/18/2021

Finding a lender can be intimidating. Here are 5 questions to help you start the process. Remember you want some who's going to work for you and with you.

01/27/2021

Word of the day is PRE-APPROVAL! The first step in the home buying process is to become pre-approved. This allows you and your agent to know your price range. Trying to shop without a pre-approval letter is like going to the mall without your debit card. The only thing you'll be able to do is window shop!

01/06/2021

Credit score below 700❓No money for a down payment❓ Unsure of how to start the home buying process❓ Allow me to turn your realty dreams into a reality🏡🏠🏘Feel free to contact me via DM, text or email.