Closing Deals with Christy

09/21/2026

09/20/2026

Open House Sunday

This is one to see. Rain isn't holding people back.

Come on out!

09/18/2026

That's right, this one is 🔥!!!

Come see me at 61 Joshua Dr, Bloomingburg (Bullville) on Sunday 1-3

Or Bernadette on Saturday!!!

Either way, must see!

Beautiful inside and out, backyard for everyone, sunrises to watch inside or out. Come on out and claim your dream home!

09/17/2026

If we're using the same example — $800,000 purchase, 20% down, $640,000 loan, 30-year fixed — we can put real numbers to it.

The Freddie Mac weekly average available is 6.76% for a 30-year fixed mortgage (September 10, 2026).

If the $20,000 is used for a 2-1 temporary rate buydown:
Interest Rate Approx. P&I Payment
Regular rate 6.76% $4,155/mo
Year 1 4.76% $3,342/mo
Year 2 5.76% $3,739/mo
Year 3+ 6.76% $4,155/mo

So a buyer saves approximately:

Year 1: $813/month
Year 2: $416/month

That's roughly $14,750 in payment savings over the first two years.

And importantly, a 2-1 buydown is temporary; the payment returns to the full note rate afterward.

BUT — here's the interesting part 👀

If you're talking about a seller saying:

“I'll give you $20,000 toward a rate buydown.”

I'm not advertising that as “$20K saves you $X per month” exactly because it will depend on knowing what your specific lender is doing. Discount points and permanent rate reductions vary by lender and market conditions. Asking questions is key!







Ratebuydown

09/16/2026

I will be at Kwick Stop Monday morning, but come check out any of us for customer appreciation coffee week.

09/14/2026

🏡 **So… what exactly is “market value”?**

Simply put:

**Market value is what a buyer is realistically willing to pay for your home in today’s market.**

Not what you paid for it.
Not what your neighbor *swears* theirs is worth. 😂
Not what you *need* to get out of it.
And definitely not what Zillow says after you yell at it. 🤣

It’s based on things like **location, condition, size, features, and—most importantly—what similar homes are actually selling for right now.**

The market decides the value.

**My job is to help you understand that market and position your home accordingly.** 🏡📊

Because knowing your home's market value before you make a move can make a BIG difference.

09/13/2026

7 nights in Playa Mujeres

90+ degrees endless sun

Private pool

White sand beach

Party pools

Sunrises

Bottomless beverages

Old friends

Endless food

Work texts from a comfy floatie

This weather today, not very "welcome home" material esp since I was off to work early.

Countdown to next vacay..... 1 month 18 days.... Dia de los mu***os

09/11/2026

📊 **BREAKING NEWS: Highly scientific REALTOR® research has been conducted.**

According to a study I just made up… 😂

REALTORS® who vacation, watch the sun come up, play in the pool, float around doing absolutely nothing, hold the sun in their hands, and occasionally plank out of the water are **87% less likely to completely lose their s**t.** 🤣🌅

The other 13%?

Probably checking their emails from the pool. 📱😂

Because as much as I LOVE what I do, sometimes you need to step away from the phone, the contracts, the inspections, the negotiations, the showings and the **“quick questions” that are never actually quick.** 😜

So yes… I took a little time to recharge.

Sunrise ✔️
Pool ✔️
Fun ✔️
Relaxation ✔️
Still thinking about real estate? **Obviously.** 😂🏡

Because coming back refreshed, recharged and slightly less feral is good for everyone. 😉

**Take the vacation. Watch the sunrise. Go have some fun.
Your clients will still need you when you get back.** ❤️🌅






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09/09/2026

Apparently, every real estate transaction needs a DECIDER. 😂

Seller has questions.
Buyer has questions.
Everyone has an opinion.
And somehow… everyone looks at ME. 👀

Good thing I’ve got **15 years of experience making real estate decisions.** 😉

My job isn’t to make the decision *for* you — it’s to give you the information, experience, strategy and honest advice you need to make the **right decision for YOU.**

Buying? Selling? Investing? Not sure what your next move should be?

Let the decider help you decide. 🏡😂

**15 years of real estate experience.
Thousands of decisions.
One goal: getting you where you want to go.**

Ready to make your next move?
**Let’s talk.** ❤️






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