Jontoya Damon Real Estate

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Jontoya Damon Real Estate

💗
Mommy-ing & Real Estate
w/ The Rise Group | REAL
LIC # 02120511

10/07/2026

Your credit score doesn’t have to define your future. The truth is, many credit issues can be addressed when you understand your options and take the right steps.

Here are a few common credit challenges and strategies that may help:

✔️ Late Payments → Consider a goodwill letter or negotiate a pay-for-delete when applicable.
✔️ High Credit Utilization → Aim to keep balances below 30% of your limit, with under 10% being ideal.
✔️ Collections → Review and dispute inaccurate information with the credit bureaus.
✔️ Charge-Offs → Challenge reporting inaccuracies and request proper verification.
✔️ Bankruptcy → Request verification of how information was reported and validated.
✔️ No Credit History → Explore secured credit cards, credit-builder accounts, or authorized user accounts.
✔️ Too Many Inquiries → Review inquiries and challenge those without a permissible purpose.

Building strong credit isn’t about quick fixes—it’s about understanding the system, making informed decisions, and staying consistent over time.

Whether you’re preparing to buy a home next year or simply want to improve your financial foundation, taking action today can make a huge difference tomorrow.

📩 Have questions about getting mortgage-ready or improving your credit profile? Send me a DM. I’m happy to point you in the right direction.

Jontoya Damon | REALTOR®
DRE #02120511

25/05/2026

🗣️CENTRAL VALLEY AGENTS - DO YOU HAVE ANYTHING COMING TO THE MARKET SOON WITH THE FOLLOWING IN 93291 ZIP

- RV PARKING
- 4+ Bedrooms | MIL suite a plus |
- Office Space
- Updated Kitchen with a WALK IN pantry (a must)
- Sparkling Pool
- if there’s Solar (EITHER paid off | decent assumable contract | or something that can be paid off at COE)

If so please give me a call (831) 275-8667! TIA

Jontoya Damon DRE02120511
📍REAL | The Rise Group
📞 (831) 275-8667
📧 [email protected]

12/04/2026

Question of the day: If I didn't sign an agreement with a realtor for purchase is it a good idea to contact the listing agent(realtor) for purchase as a first time home buyer?

Answer: NO! You need your OWN agent to negotiate fairly for you! Your own agent to go to bat for you that has your best interest in mind ! Listing agents try to make as much money as possible for the seller! GET YOUR OWN AGENT!

With love, always
Dre:02120511
The Rise Group
(831) 275-8667

07/04/2026

Credit takes time to build… and seconds to ruin.

That’s why it has to stay a priority.

You might already own a home, but if your mortgage is starting to feel heavy, your credit plays a bigger role than you think. Less-than-ideal credit can limit your ability to refinance or adjust your situation—and ultimately affect your ability to keep your home (although there may be other options).

Here’s the good news: you don’t need PERFECT credit.

But imagine what could happen if you checked in monthly… cleaned a few things up… stayed intentional. You’d improve so much faster than just ignoring it and hoping for the best.

Credit isn’t just a number—it’s access. It’s options. It’s peace of mind.

If you ever need help understanding where you stand or how to move forward, I got you. This part? It’s my jam. 💛

If this hit home for you, send me a message or drop a “READY” below—I’m always here to help you move smarter, not harder.

03/04/2026

Some things I DON’T care about as your realtor 👇🏿

• Bringing your kids, your parents, your in-laws… or all of the above to showings
• A toddler meltdown in the middle of a tour (we’ll survive 😅)
• Running a little late because life is LIFE
• Not having perfect credit or feeling “not ready yet”
• Asking a million questions (please do!)
• Your budget not being “huge”

What I DO care about?
Helping you feel comfortable, informed, and supported through one of the biggest decisions of your life.

Because let’s be real… most families aren’t out here house hunting in perfect, quiet, stress-free conditions.
It’s snacks, schedules, chaos, and “can we afford this?” all at the same time.

And that’s okay 🤍

If life feels a little chaotic but homeownership is still on your heart… I’m here for you.
No pressure, no judgment—just real guidance when you’re ready.

19/03/2026

What working with me looks like—every time

1. Warm Welcome + Clarity First
You’ll receive a friendly intro explaining next steps, timelines, and what actually matters for your goals. No pressure. No jargon. Just clarity.

2. Strategy Over Guesswork
Whether you’re buying or selling, I assess:
• Your goals
• Your timeline
• Your financial comfort zone
• Market positioning
Then I map a plan that makes sense—not one-size-fits-all advice.

3. Value-Driven Guidance
I focus on high-impact moves that protect your money and your peace:
• What’s worth fixing vs. skipping
• How to boost perceived value without overspending
• What buyers are really paying attention to right now

4. Hands-On Support
I don’t just suggest—I help coordinate.
• Prep guidance
• Trusted vendors when needed
• Clear checklists so nothing feels overwhelming

5. Transparent Communication
You’ll always know:
• Where we are in the process
• What’s coming next
• Why decisions are being made

No chasing me down. No wondering.

6. Advocacy Until the Finish Line
I negotiate with intention, protect your interests, and stay locked in until keys are handed over—and beyond if you need support after closing.

⸻

🤝 My Promise

You’ll be treated with respect, honesty, and confidence—whether you’re ready today or just gathering information.

📲 Thinking about buying, selling, or prepping for the future?
You’re welcome here. I’m ready when you are.

⸻
DRE #02120511. Brokered by REAL Broker. Equal Housing Opportunity.

Address

Telephone

+18312758667

Website

http://jontoyadamon.epiquerealty.com/, https://linktr.ee/Jontoyad

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