Chris Erwin Real Estate

06/06/2026

💡 Tip of the Day: Get Pre-Approved!

Before you start house hunting, get pre-approved for a mortgage.
✅ It shows sellers you're serious
✅ Helps you understand your budget
✅ Speeds up the buying process

Start smart, shop with confidence! 🏡🔑

06/05/2026

If you could choose just one place to call home, where would your Dream Home be? 🌍✨

Mountains, beach, city, or countryside — what’s your ultimate spot to live your best life?

06/04/2026

This easy DIY pallet headboard project costs about $20 to build and can be finished in just a few hours.

This easy DIY pallet headboard project costs about $20 to build and can be finished in just a few hours.

06/03/2026

Having a dedicated space for your children encourages learning through play 🎨✨
It keeps toys organized and contained, making cleanup easier while giving kids a place to explore, create, and grow.

06/02/2026

This home office comes with a view that’s seriously distracting—in the best way! 🌿💻
With all that natural light and scenery, it’s the kind of space that makes working from home feel more like a mini-retreat.

06/01/2026

Yes, one more schedule to know! But this one is actually a fun because it helps you understand the equity you have in your home. Here's how it works!

Your amortization table is an important tool, outlining every mortgage payment you'll make and its contribution toward equity.

05/31/2026

Mortgage Term of the Day:
The origination fee is a charge lenders apply to process and underwrite your mortgage loan.

🔹 Usually a percentage of the loan amount (commonly 0.5% to 1%)
🔹 Covers administrative costs like credit checks, document preparation, and loan approval
🔹 Paid upfront at closing or sometimes rolled into the loan balance

💡 Tip: Always ask your lender for a clear breakdown of all fees, including origination!

05/30/2026

It’s not always about the money (except when it is).

Find the REALTOR® who's right for you. Gain expert home buying advice,selling tips, and investment strategy from real estate professionals.

05/29/2026

Mortgage Term of the Day:
The Loan-to-Value Ratio compares the loan amount to the appraised value (or purchase price) of a home.

Formula:
Loan Amount ÷ Home Value = LTV %

🔹 Lower LTV = lower risk for lenders
🔹 Higher LTV may require mortgage insurance
🔹 Staying under 80% LTV helps avoid extra fees

💡 Example: Buying a $300,000 home with a $240,000 loan = 80% LTV

05/28/2026

Who else loves when the kitchen flows right into the outdoor dining area? 🌿🍴

Perfect for morning coffee, summer dinners, and everything in between.