Terry Dow-Harris Harris Group Brokered by Vylla Home

05/03/2026

*🏡 FIRST-TIME HOME BUYER GUIDE 🏡**
*Your Quick Do’s & Don’ts for a Smooth Home Buying Journey*

✅ DO’S

*✔ Get Pre-Approved First**
Know your budget before you start shopping ,it strengthens your offer and saves time.

*✔ Work with a Trusted Real Estate Agent**
An experienced agent will guide you, negotiate for you, and protect your interests.

*✔ Stick to Your Budget**
Just because you’re approved for more doesn’t mean you should spend it.

*✔ Factor in All Costs**
Think beyond the mortgage. Include closing costs, taxes, insurance, and maintenance.

*✔ Schedule a Home Inspection**
Always uncover potential issues before closing the deal

❌ DON’TS

*✘ Don’t Skip Pre-Approval**
Shopping without it can lead to disappointment or missed opportunities.

*✘ Don’t Make Big Purchases**
Avoid buying cars, furniture, or opening new credit lines during the process.

*✘ Don’t Drain Your Savings**
Keep an emergency fund after closing—homeownership comes with surprises.

*✘ Don’t Ignore Red Flags**
If something feels off about a property, investigate further.

**✘ Don’t Rush the Decision**
Buying a home is a major investment—take your time and choose wisely.

💡 PRO TIP:

**Ask questions lots of them!**
There’s no such thing as a “dumb” question when making one of the biggest purchases of your life.

📞 *Ready to start your home buying journey?*
Contact me today 813-784-7328 or visit my website: www.terrydowharris.vyllahome.com

05/03/2026

Who's ready to buy a home? Need a new home consultation? Call me 813-784-7328

04/24/2026

Let's talk about your homeownership options. There are over 2600 Downpayment assistance programs nationwide. Are you ready for your consultation? If so, call or text me today. 813-784-7328

04/24/2026

It's not about me. It's about you and what you need from me! My info is always available, i'm here to help! Call 813-784-7328 Buying, Selling, Investment, Reo's

03/09/2026

03/08/2026

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03/06/2026

Understanding Mortgage Rates: Your Key to Homeownership!

Buying your first home is an exciting milestone, and understanding mortgage rates is a crucial step in the process. Mortgage rates are essentially the cost of borrowing money to purchase a home, expressed as a percentage. This rate directly impacts your monthly payments and the total amount you'll pay over the life of your loan.

Even a small difference in the interest rate can lead to significant savings. For example, on a $300,000 loan over 30 years, a difference of just one percentage point could save you tens of thousands of dollars.

Several factors influence the mortgage rate you'll be offered. Your credit score plays a significant role, with higher scores typically leading to lower rates. The size of your down payment can also affect your rate; a larger down payment often results in a more favorable interest rate as it reduces the loan amount and signals less risk to lenders. Market conditions, including economic trends and policies from the Federal Reserve, also cause rates to fluctuate.

You'll generally encounter two main types of mortgage rates:

Fixed-Rate Mortgages: The interest rate remains constant throughout the entire loan term, providing predictable monthly payments.
Adjustable-Rate Mortgages (ARMs): The interest rate may change periodically after an initial fixed period, potentially offering lower initial payments but with the possibility of future fluctuations.

By understanding these key aspects of mortgage rates, new homeowners can make informed decisions, compare offers from various lenders, and secure a loan that aligns with their financial goals, making homeownership more accessible and affordable. I have lenders standing by ready to assist you!

12/10/2025

08/30/2025

08/30/2025