Kelli M Howden, Realtor

07/24/2023

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07/17/2023

06/12/2023

Boosting your home's curb appeal doesn't have to break the bank. Check out these 6 ideas for every budget:

1) Add Greenery: Plants, flowers, and shrubs are a great way to add life to your home's exterior.

2) Repaint or Touch Up: A fresh coat of paint on your home's exterior can significantly impact you.

3) Upgrade Lighting: Upgrade your outdoor lighting by installing new fixtures or adding landscape lighting to highlight your home's best features.

4) Enhance Your Front Door: Your front door is one of the first things visitors see, so consider adding a fresh coat of paint, adding new hardware, or replacing it altogether.

5) Clean and Declutter: A clean and organized exterior can make a big difference. Power wash your home's exterior, clean your windows, and remove clutter or debris.

6) Install New Hardware: Upgrading your hardware, such as your mailbox or house numbers, can add a polished touch to your home's exterior without breaking the bank.

Which curb appeal idea are you most excited to try?

06/06/2023

Save this post to reference next time you're planning a paint project!

Paint is one of the quickest and easiest ways to spruce up your home, but not all paint finishes are created equal. Do you have anything in the works?

Be sure to tag me in your photos -- I love to see your home projects! ​

05/26/2023

Lots of things go into your interest rate quote.

Let’s go through the different factors that can affect your interest rate.

- Credit Score: The higher your credit score, the lower your interest rate will be in most cases.

-Loan Type: Different kinds of loans have different interest rates. Generally, FHA and VA loans will have lower interest rates than a conventional 30-year loan.

-Loan to Value: If you only need a $100,000 loan to buy a $300,000 home, you’ll get a better interest rate than you would if you needed a $275,000 loan for the same home.

-Property Type: Some properties, like condos and vacation rentals, are considered a more significant risk to the lender. The riskier the loan for the lender, the higher your interest rate will be.

Want to talk more about interest rates? Send a DM, and let’s chat!

05/26/2023

One bad season doesn't define your success. If you've experienced a downfall, keep going. If you've not produced the numbers you wanted, keep going. You are equipped to make your biggest comeback possible!

05/15/2023

Real estate agents are the BEST, we're a more accurate place to find new real estate listings.

Because we have direct access to your area’s MLS®, which is the database with all real estate listings. Plus, we often know of upcoming properties about to hit the market.

Also, some listing sites may have outdated or inaccurate information, which means that the home you’re obsessing over could've been sold the day before.

Avoid house heartbreak like that by getting your listings directly from us agents.

05/05/2023

Back in the day, a mortgage was a loan that was secured by a pledge of property, and the debt was only canceled upon the borrower's death. It's interesting how words and meanings can evolve over time, isn't it?

05/04/2023

Being a real estate agent might seem easy, but a lot goes on behind the scenes.

What do you look for in an agent?

05/03/2023

So, you’ve found the perfect house and you want to make an offer on it.

There’s just one little problem: you want to buy it for more than you were pre-approved for. Is it possible to buy a house for more than your pre-approval?

The short answer? Yes.

You can offer more than what you’ve been pre-approved for. But, you’ll need to back that offer up. For the mortgage to work, you have to make up the difference between the amount you’re pre-approved for and the amount that you offer.

Typically, buyers in this situation will add the amount over their pre-approval to their down payment. For example, if you were pre-approved for $300,000 and you want to offer $310,000, you’ll need to add $10,000 to however much you’re putting down.

You can also ask your loan officer if it’s possible for you to qualify for a larger loan amount. They’ll work with you and your agent so you can buy your dream home.

Want more buyer tips like this? Be sure to follow!