Elisa Araujo Page

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United States
Columbus, IN
Elisa Araujo Page

Real Estate Agent & Consultant

10/02/2021

My face after a full day of real estate!🙌🏼😬🙏🏼 Today we saw 6 houses🙌🏼🙌🏼🙌🏼 and fell in love with one of those. I hope we get it. This family deserves it🥰

05/06/2021

Buying Vs. Renting ✨🏠

🔴Buying
➕Homeowners get substantial tax breaks
➕You build equity every month**
➕Your home value can appreciate every year*
➕Unlimited decorative and remodeling freedom
➕If you need to move out, you can sell your house (usually within a month or two) or leave it renting as an investment, receiving a monthly passive income
➖Maintenance and Repair fees
➖Opportunity cost: the alternative of using the down payment money for another investment (such as stocks)

🟠Renting
➕Is a good option if you want to repair your credit history and save money for a downpayment
➕or if your stay is temporary (less than 2 years) and would not consider leaving your house as a rental investment
➕No Maintenance or repair costs
➕No property taxes
➖No equity built. Rent money is lost.
➖Monthly payments are more expensive than a mortgage payment
➖Under contract for a specific amount of time.. and can plans change
➖Pet & Parking fees
➖Monthly Rent payments can change

Buying a home can be a blessing if you are prepared to do so. Look at my previous post: “Are you ready to buy a house?” for more info!

🙌🏼🙌🏼🙌🏼

MOTTO: Achieving personal financial freedom through real estate, working hard, enjoying life and fullfilling my passion of serving others by helping clients attain their real estate goals.

05/04/2021

This Beautiful Ranch is FOR SALE💥🏡🙌🏼 (Check it out➡️ https://tinyurl.com/nt7rzt2v ) Link in my IG profile too!

Details:
🛏3 bed
🛁2 bath
👨‍👩‍👦‍👦Open Concept
🏈.73 acres
✨Updated roof, deck, windows, water heater, lights, paint throughout
🌳Spacious Backyard

Call or text me if you would like to go tour it! This home will go quick🔥

—————————

✨MOTTO: Achieving personal financial freedom through real estate, working hard, enjoying life and fullfilling my passion of serving others by helping clients attain their real estate goals.

04/30/2021

If you are thinking of buying a home💭🏠... you have probably calculated the estimated monthly mortgage payments on that house you loved, right? When calculating your mortgage payments make sure you take into account the possibility of having a PMI‼️👀

🏦What is a Private Mortgage Insurance (PMI)?
✨A PMI is an additional fee to your monthly mortgage payments which you are required to pay if you make a down payment of less* than 20% of the home’s purchase price. It is the way your lender gets insured against any losses if you miss a payment or default on your loan.

‼️Once you pay off 20% of the home’s purchase price the PMI will be removed from your monthly payments🗓🎉

🙋🏽‍♀️How much is a PMI?
✨The cost of your PMI depends on how many people are in the loan, your credit score, loan amount, debt-to-income ratio, etc. You can get an estimate in a PMI calculator online.

💥For Example (swipe):
🏠The house you want to buy is $250,000 and
💰 you want to do a 5% Downpayment = $12,500
🏦This means the actual loan amount on your 250K house will be: $237,500
💳If you have a good Credit Score of 720-759
Then, your PMI will be around $122.71 per month

✨Feel free to ask me any questions. PMI hack coming soon✨

MOTTO: Achieving personal financial freedom through real estate, working hard, enjoying life and fullfilling my passion of serving others by helping clients attain their real estate goals.

04/22/2021

Check out this magnificent 5 bed, 5 bath ranch home on 4.2 acres! 🙌 🏡 https://tinyurl.com/3bkj8f9n (link in my instagram profile too)

04/03/2021

✨Choosing a Lender✨

📈You may shop for interest rates with more than one financial entity to find the best interest rate. The lower the interest rate, the lower your monthly mortgage payments can be.

‼️**Remember, when you are shopping for interest rates, it doesn't matter how many times your credit is pulled, all of those credit pulls will count as only **ONE** hard inquiry as long as you do them in a month time frame.

🙋🏽‍♀️I have personally used and recommend the following lenders:

💚1. Ruoff Mortgage
Contact: Jeff Fetterer
Phone Number: (812) 390-0756
Email: [email protected]

💙2. HallMark
Contact: Shannon jones
Phone: (812) 350-2261
Email: [email protected]

💛3. First Financial Bank
Contact: Patti Grider
Phone: (812) 376-1716 or (812)350-3477
Email: [email protected]

✨The great thing about these lenders is: they are all amazing local agents with offices located in downtown Columbus but they are also national entities who have offices accross Indiana and the US👍🏼✨

⚡️Working hard fullfilling my passion of serving, helping and guiding clients to attain their real estate goals. If you or someone you know wants to sell or buy a property, let me know! I’ll be happy to help⚡️

03/29/2021

Are you Ready To Buy a House?⚡️🤷🏽‍♀️🏠

1. If you have enough saved up to get a good down payment of 3.5-20% of the value of the property and a little bit more (See my previous post "Costs of Buying a Home")
2. If you have paid your major debts (car loans, credit card debt, personal loans, student loans, medical bills, etc.)
3. If you have an emergency fund to cover any sudden additional expenses.
4. If you have the ability to fix problems yourself or the resources to pay others to fix them (ex: Heater broke, the toilet is leaking, etc.)
5. If the income you have goes hand in hand with the house that you liked (the monthly payment going towards the mortgage should ideally be 1/3 or less of your total income)
6. If your credit score is high enough to get a good interest rate (650+ credit score)
7. If you have a somewhat stable source of income

Then, you are ready to buy a house!🙌🏼💫🏠

03/23/2021

⭐️FIRST STEP IN BUYING A HOUSE: Get a Pre-Approval Letter⭐️

🤷🏽‍♀️WHAT IS A PRE-APPROVAL LETTER?
A document from a lender stating that the lender is tentatively willing to lend to you, up to a certain loan amount.

🤔WHY DO WE NEED ONE?
A pre-approval letter is submitted to the sellers with the offer to let them know you are able to afford and go through with the transaction. Without a pre-approval letter you will probably not get an accepted offer to buy a home.

🧐HOW DO I GET ONE?
Contact your preferred financial entity, for example: Ruoff Mortgage, First Financial, Hallmark, etc. Let them know you are looking to buy a house. They will send you an application to fill out and submit. If you are pre-approved for a loan, they will give you an estimate of the best interest rate they can give you and your pre-approval letter.

I am here to ANSWER any QUESTIONS or doubts☺️👍🏼👌🏼

03/21/2021

SUNDAY TIPS✨

If you are looking to buy a house make sure you contact me at least 2-3 months before your ideal move-in date!📆⏰ Once we receive an accepted offer, it usually takes around 30-45 days until you get the keys to your new home!🔑🏠✨

03/11/2021

Can I afford to buy a house? Hmmm🧐🤨 Usual trend of Reactions be like: I’m not sure, maybe I can’t, I think I actually Can! Yeaa, I got this! Piiiecee of cake💁🏽‍♀️🎂😂🙌🏼 Keep reading!⬇️⬇️⬇️

🔸Costs of buying and owning a house🔸

The cost of buying a house is not only the downpayment!

🏠Before getting your home:
- Inspection ($350 - $500)
- Earnest Money ($500 - $1,000 which counts towards closing costs)
- Down Payment (3.5% - 100%)
- Closing Costs ($2,500 - $ 4,500 more or less, this includes appraisal, lender fees, title company fees, taxes, etc.)

Swipe to check out an example of the costs of buying a 200K house➡️➡️➡️

🔑After receiving the keys to your home:
- Monthly mortgage payment (which usually includes Property taxes, home insurance, interests and principal, and if applicable: Private Mortgage Insurance (PMI) and Flood Insurance)
- HOA (Home owners association fee) if applicable
- City Assessments (If the city decides to do a project that you will benefit from because of your location, you and your benefitted neighbors will have to pay higher taxes that year to cover that special city assessment)
- Utilities: Water, sewer, garbage, gas, electricity, wifi
- Home Maintenance (lawn care, pest control, AC Filters, etc.) and repairs**

FEEL FREE TO DM ME ANY QUESTIONS!⚡️

If you or someone you know is looking to buy a house let me know🏡🔑☺️ I am more than happy to assist!

03/05/2021

Fix it Friday! ✨👩🏼‍🔧🛠🧰🎨🖌My favorite type of project!!! Making beautiful changes on a budget🥰

These are 10$ walmart folding metal chairs made unique and beautiful with some colorful spray paint😱😬🥰

Address

716 3rd Street
Columbus, IN
47201

Telephone

+17862024997

Website

https://www.wagnerrealtors.com/

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