Reyna Gutierrez, Realty-ONE- Group ROSE

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Reyna Gutierrez, Realty-ONE- Group ROSE My team and I are ready to find the home that fits your needs! Let's achieve your goals together!

Whether you’re buying, selling, or looking for a rental, we specialize in residential real estate and are here to help you navigate the market.

Are you dreaming of buying a home but worried about the math? 🛑 🏡Lenders care a LOT about your Debt-to-Income (DTI) Rati...
10/07/2026

Are you dreaming of buying a home but worried about the math? 🛑 🏡

Lenders care a LOT about your Debt-to-Income (DTI) Ratio. Simply put, it is your total monthly debt payments divided by your gross monthly income.

📊 Let’s look at a quick example:
💰 If you make $5,000 a month (gross income)
🚗 And you have $1,000 a month in car, student loan, or credit card payments
🧮 Your DTI ratio is 20%!

Most lenders want to see this number under 43% before they approve a mortgage. 📉 The lower your debt, the higher your purchasing power! Paying down those credit cards right now is the best way to get your numbers ready for your dream home. 💳✨
Wondering where your numbers stand or ready to start your home-buying journey? Let's chat!

📲
✨ Reyna Gutierrez | REALTOR®
📞 Call/Text: 214-507-2415
📩 Send me a DM today!

🏠 Stop paying your landlord's mortgage! 🏠Paying $2,000/month in rent means giving away $120,000 over the next 5 years—wi...
10/06/2026

🏠 Stop paying your landlord's mortgage! 🏠

Paying $2,000/month in rent means giving away $120,000 over the next 5 years—with $0 back. 📉

When you buy, your monthly payment builds your own equity and long-term wealth. 📈 Stop renting and start investing in your future! 🔑

💼 Reyna Gutierrez, Realtor
📞 214-507-2415
💬 DM me today to schedule your free consultation!

Ya sea que estés comenzando a armar tu plan de ahorros o que ya estés listo para empezar a buscar casa hoy mismo, la pre...
10/04/2026

Ya sea que estés comenzando a armar tu plan de ahorros o que ya estés listo para empezar a buscar casa hoy mismo, la preparación es la clave para una compra sin estrés.

📲 ¿Listo para dar el paso? Platiquemos y diseñemos tu cronograma personalizado para la compra de tu casa.

¡Envíame un mensaje directo o llámame directamente al 214-507-2415!
Reyna Gutierrez
REALTOR®

Whether you are just starting to build your savings plan or you're ready to start house hunting today, preparation is the key to a stress-free purchase.

📲 Ready to make your move? Let’s chat and map out your personalized home-buying timeline.

Send me a DM or call me directly at 214-507-2415!
Reyna Gutierrez
REALTOR®

🏡 Thinking about buying a home but worried your credit score isn’t a perfect 800? Let’s clear up a huge misconception! 👇...
10/04/2026

🏡 Thinking about buying a home but worried your credit score isn’t a perfect 800? Let’s clear up a huge misconception! 👇

So many future homebuyers put their dreams on hold because they think they need flawless credit to qualify. The truth is, you have options!

✨ FHA Loans: You can often qualify with a score as low as 580.
✨ Conventional Loans: Usually, you’ll want to aim for 620 or higher.

While a higher score will always help you secure a better interest rate, perfection is absolutely not required to get the keys to your new home. 🔑

Let’s find out where you stand and get you connected with a trusted local lender who can guide you through your options.

📲 DM me directly or call me at (214) 507-2415 to get started today!

🏡 ¿Estás pensando en comprar una casa pero te preocupa no tener un puntaje de crédito perfecto de 800? ¡Vamos a aclarar ese gran error! 👇

Muchos futuros compradores ponen sus sueños en pausa porque piensan que necesitan un crédito impecable para calificar. ¡La verdad es que tienes excelentes opciones!

✨ Préstamos FHA: A menudo puedes calificar con un puntaje tan bajo como 580.
✨ Préstamos Convencionales: Por lo general,

lo ideal es apuntar a 620 o más.
Aunque un puntaje más alto siempre te ayudará a asegurar una mejor tasa de interés, la perfección no es un requisito para obtener las llaves de tu nuevo hogar. 🔑

Descubramos juntos en qué situación te encuentras. Te conectaré con un prestamista local de total confianza que te guiará paso a paso según tus opciones.

📲 ¡Envíame un mensaje directo (DM) o llámame al (214) 507-2415 para comenzar hoy mismo!
— Reyna Gutierrez, Realtor®

🏡 Let’s put this massive homebuying myth to bed forever! 🛑So many people put off their dreams of buying a home because t...
10/02/2026

🏡 Let’s put this massive homebuying myth to bed forever! 🛑

So many people put off their dreams of buying a home because they think they need to save a massive 20% down payment. I’m here to tell you that is simply NOT true!

While putting 20% down is great because it helps you avoid private mortgage insurance (PMI), millions of people purchase their homes with much less out of pocket. Depending on your goals and credit situation, we have incredible options available right now:

✨ Conventional Loans – Secure a home with as low as 3% down!
✨ FHA Loans – Great flexible options starting at just 3.5% down!
✨ 0% Down Programs – Yes! There are first-time buyer grants and down payment assistance programs that can bring your required down payment all the way down to 0%!

If waiting to save 20% feels completely impossible, you might be closer to holding the keys to your new home than you think. Let’s look at the actual numbers together and find a program that fits your lifestyle and budget.
📲 Ready to see what's possible? Send me a DM with the word "OPTIONS" or call me directly at 214-507-2415, and let’s get started on your path to homeownership!

🏡 ¡Vamos a desmentir este gran mito de la compra de vivienda para siempre! 🛑
Muchísimas personas posponen su sueño de comprar una casa porque piensan que necesitan ahorrar un enorme 20% para el pago inicial (enganche). ¡Estoy aquí para decirte que eso NO es verdad!

Aunque dar el 20% de enganche es excelente porque te ayuda a evitar el seguro hipotecario privado (PMI), millones de personas compran sus casas con mucho menos dinero de su bolsillo. Dependiendo de tus metas y de tu historial de crédito, tenemos opciones increíbles disponibles ahora mismo:

✨ Préstamos Convencionales: ¡Asegura tu casa con tan solo un 3% de enganche!
✨ Préstamos FHA: ¡Excelentes opciones flexibles desde solo un 3.5% de enganche!
✨ Programas con 0% de Enganche: ¡Sí! Existen subvenciones para compradores de primera vivienda y programas de asistencia para el pago inicial que pueden reducir tu enganche requerido a un ¡0%!

Si esperar a ahorrar el 20% te parece completamente imposible, podrías estar más cerca de tener las llaves de tu nueva casa de lo que crees. Analicemos los números reales juntos y encontremos un programa que se adapte a tu estilo de vida y presupuesto.

📲 ¿Listo para ver qué es posible? Envíame un mensaje directo con la palabra "OPCIONES" o llámame directamente al 214-507-2415, ¡y comencemos tu camino hacia la compra de tu casa.

Thinking about buying your first home but don't know where to start? You’re not alone. The real estate market can feel o...
10/01/2026

Thinking about buying your first home but don't know where to start? You’re not alone.

The real estate market can feel overwhelming, but homeownership is closer than you think! 🏡

Over the next 30 days, I’m sharing a complete, step-by-step guide to help first-time buyers navigate the process with confidence—from saving for a deposit to closing day.

📌 Save this post and follow along! Have a specific question? Drop it in the comments below! 👇

¿Estás pensando en comprar tu primera casa pero no sabes por dónde empezar? No estás solo.

El mercado inmobiliario puede parecer abrumador, pero la meta de tener tu propio hogar está más cerca de lo que crees. 🏡

Durante los próximos 30 días, estaré compartiendo una guía completa paso a paso para ayudar a los compradores primerizos a navegar este proceso con total confianza: desde cómo ahorrar para el enganche hasta el día del cierre.

📌 ¡Guarda esta publicación y sigue la serie! ¿Tienes alguna pregunta en específico? ¡Déjala en los comentarios abajo! 👇

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Dallas, TX

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+12145072415

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