Sold_by_ Rayna

03/18/2026

https://www.facebook.com/share/v/18Hg3hsGtJ/

02/27/2026

Maple Valley Home — Spacious, Updated, and Move-In Ready

This beautiful home offers 3,179 sq ft, 3 bedrooms + den (possible 4th), 2.5 baths, and a 3-car garage, along with a dedicated theater/media room featuring surround sound throughout the home.

Fresh carpet and wood flooring, updated interior and exterior paint (2019), generous living spaces, and a large backyard designed for indoor-outdoor entertaining make this home both comfortable and functional. Located in the desirable Tahoma School District, with a recent appraisal at $927,000, this presents a strong value opportunity.

View the listing:
https://onereal.com/rayna-simpson/listings/nwmls/2436810

For photos, details, or to schedule a private showing, contact Rayna at 253-217-6438.

If you have questions after hours, my assistant can help until I’m available:
👉 https://agent.jotform.com/019308b4ef9f7ce1951515a9fe25402f08d2

12/04/2025

Time is something you will never get back.
But opportunity?
Sometimes it shows up looking like a needle in a haystack.

And with the market where it is — let’s be honest:
Which wait sounds wiser?
Waiting for the entire market to shift…
or waiting for your assumable loan approval to come through?

Those are two completely different waits.

One is a delay.
The other is a strategy.

One wastes time.
The other locks you into a stronger financial position.

So when the right opportunity shows up — the right home, the right rate, the right terms — don’t confuse patience with procrastination.
Some waits cost you.
Some waits PAY you.

Choose wisely.

— SoldByRayna 🖤

https://onereal.com/rayna-simpson/listings/nwmls/2436810/27450%20237th%20Place%20SE

12/02/2025

Quick Real Estate Tip:
Everybody is stressing about high interest rates right now…
but a lot of people don’t know about assumable FHA loans.

Some sellers have older FHA mortgages with lower rates (4% range), and if a buyer qualifies, they can assume that loan instead of getting a brand-new one at today’s 7% rates.

Most buyers don’t know this.
Most sellers don’t know this.
And honestly… a lot of agents don’t talk about it.

But it’s real, and it can save people a lot of money.

If you’re buying a home, always ask:
“Is this loan assumable?”

You never know what doors that one question might open.

11/25/2025

Why tiny homes are winning for so many people?
Because they’re creating community with them.

People are buying land, placing a few units, and building their own little neighborhoods — family villages, friend communities, rental clusters, even retreat spaces.
It’s affordable, it’s strategic, and it gives people a level of freedom traditional housing doesn’t.

Tiny homes are becoming a whole movement.

11/25/2025

These tiny homes are blowing my mind.
The prices… the layouts… the upgrades… everything.
If you’ve ever thought about investing, downsizing, or creating a rental unit in your backyard, this is honestly the smartest way to start.

Here’s the site I’ve been browsing 👉 https://offer.alibaba.com/cps/jmchf16h?bm=cps&src=saf

Take a look — you’ll be shocked what you can get for the price.

11/20/2025

🔥 HUD Home Buyers — Here’s a Quick Tip! 🔥

Did you know HUD homes aren’t the same as traditional foreclosures?
They’re FHA-insured homes that were turned back over to HUD — and many are priced below market value.

If you’re looking for a deal, this is a great place to start 👀
You can browse all available HUD homes right here:

👉 Search HUD Homes: https://www.hudhomestore.gov

Have questions? I’m here to help.

Buying a home through HUD's Good Neighbor Next Door initiative encourages renewal of revitalization areas by providing an opportunity for law enforcement officers, firefighters, emergency medical technicians, and teachers to purchase homes in these communities. HUD provides a 50% discount off the li...

11/16/2025

Did You Know....

💡 Homeowners: You can STILL buy down your interest rate when you refinance — up to 3 points.

Most people think buydowns only happen when you buy a home.
Nope.

If you already live in the home and you’re refinancing, you can still:

Buy 1 point

Buy 2 points

Buy 3 points (most lenders max out here)

…and permanently drop your interest rate for the life of the new loan.

Example:

Let’s say your refi loan is $400,000.

1 point = $4,000

2 points = $8,000

3 points = $12,000

If your refinance rate is 7% but you want something closer to 5%,
you can buy down the rate by purchasing points at the refinance.

Same home.
Same refinance.
Way lower rate — permanently.

Most homeowners don’t even know this is an option.

11/16/2025

Did you know there are different types of buydowns in real estate?
Most people only hear about 2-1 or 3-2-1, but here’s what it really means:

3-2-1 Buydown:
Year 1 = rate drops 3%
Year 2 = drops 2%
Year 3 = drops 1%
(Then it goes back up.)

2-1 Buydown:
Year 1 = rate drops 2%
Year 2 = drops 1%
(Then back to the full rate.)

Permanent Rate Buydown:
The seller credit is used to buy points, which lowers your interest rate for the entire 30-year loan, not just a couple years.

Most buyers don’t even know this exists.

Let's connect.

Soldbyrayna.com

11/07/2025

11/07/2025

💥 HUGE Opportunity for Aspiring Homeowners!
Great news for anyone dreaming of buying a home!

Fannie Mae has just eliminated the minimum 620 credit score requirement for mortgages they back.

What This Means:
Expanded Access: The decision to buy a home no longer hinges on hitting that single 620 number.

Focus on the Full Picture: Lenders will now look more holistically at your entire financial profile, including your income, cash reserves, and overall debt-to-income ratio.

Your Time is Now: If a low or limited credit score held you back before, this major policy change means it's time to re-evaluate your potential for homeownership.

This is a fantastic opportunity to enter the market. If you're ready to explore your options, send me a message!