Debra Morgan Realtor

09/08/2023

09/22/2022

Looks like you need to adopt Melissa Christian

Jenny wants to remind you that she’s AVAILABLE 😉
And she’s crate trained! 🙌🏻
Just look at those ears, and that heart nose, and those love me eyes!
This girl is sweet, sassy, and silly all in one!
We’d love to see her find a family to call her own! 💕

07/13/2022

If you want to make a more eco-friendly home, start by making a more sustainable kitchen. These tips will help you save energy and reduce waste in no time.

02/06/2020

A rainy day is the best time to look at houses because you see if the water runs toward the house or puddles in the yard or if the roof leaks. Just put on your boots and let's go. Call me for a showing today. 404-456-6770
Frizzie hair don't care.

01/16/2020

WHICH DOWN PAYMENT STRATEGY IS RIGHT FOR YOU?

You’ve most likely heard the rule: Save for a 20-percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.

But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available.

THE DOWNSIDE

The downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance for years, and the lower your down payment, the more you’ll pay. You’ll also be offered a lesser loan amount than borrowers who have a 20-percent down payment, which will eliminate some homes from your search.

THE UPSIDE

The national average for home appreciation is about five percent. The appreciation is independent from your home payment, so whether you put down 20 percent or three percent, the increase in equity is the same. If you’re looking at your home as an investment, putting down a smaller amount can lead to a higher return on investment, while also leaving more of your savings free for home repairs, upgrades, or other investment opportunities.
THE HAPPY MEDIUM

Of course, your home payment options aren’t binary. Most borrowers can find some common ground between the security of a traditional 20 percent and an investment-focused, small down payment. Your trusted real estate professional can provide some answers as you explore your financing options.

01/08/2020

Don't let this one get away!!  Bring both families to enjoy this awesome ranch on full finished basement that has a full in-law suite or teen suite.  Main level offers split bedroom plan- 3 bedrooms and 2 full bath and a bonus-office. Large open family room to kitchen and a separate formal dining ...

01/08/2020

Moving any time soon? Find out how the simple act of moving can help you feed a person in need.

01/02/2020

Below are five compelling reasons to list your house this winter.