Sherri Chance Realtor

06/17/2026

“You’re under contract.”

Those three words should feel exciting.

But this is also the part of the process where buyers need to be careful.

Your loan is not fully done just because your offer was accepted.

Your credit, income, bank activity, employment, and debt can still be reviewed before closing.

That means you want to avoid:

financing furniture
financing appliances
buying a car
opening new credit cards
changing jobs without talking to your lender
making large deposits without documentation
co-signing for anyone

Not because every move is automatically a disaster.

Because one small change can create delays, questions, or problems right before closing.

Save this for later.
Send it to someone who needs to see this.

06/16/2026

If I could redo my first home purchase, I would pay closer attention to the full picture earlier.

Pre-approval numbers are not lifestyle numbers.

Just because you can technically buy at a certain price does not mean that payment will feel good with your real life.

Your monthly payment is not just principal and interest.

Taxes, insurance, mortgage insurance, and HOA dues can all change the number.

Closing costs are also real money.

They are not small admin fees you can ignore until the end.

And the house itself is only one part of the decision.

The commute, repairs, maintenance, layout, location, and long-term resale picture matter too.

Save this if your first home is on your radar.

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06/09/2026

Buying a home gets stressful when you’re building your plan around half-truths.

Waiting for rates to drop might help your payment, but it can also bring more buyers back into the market. Online calculators are helpful, but they don’t see your full financial picture.

Being pre-approved is great, but your approval still needs to be protected until closing.

That’s why the conversation should happen before you fall in love with the house, not after.

A little clarity early can save you from a lot of surprises later.

Save this if buying a home is on your radar this year.

06/07/2026

Waiting for prices to drop sounds simple, but buying a home is rarely that one-dimensional.

If prices soften, great. But if lower rates bring more buyers back into the market, you could be competing with more people for the same homes.

If inventory stays tight, the homes you actually want may not get much cheaper. And if you wait without improving your plan, your buying position may not be any stronger later.

The better move is to know your numbers, watch the local market, and understand what would actually make buying make sense for you.

Comment “PLAN” if you want help thinking through whether waiting is helping or hurting your next move.

06/06/2026

Your neighbor’s failed sale matters way more than most sellers realize.

When I help price a home, I do not just look at the homes that sold.

I also look at the ones that did not.

Expired and canceled listings can tell us where buyers pushed back, which price points created silence, what features did not justify the number, and how long similar homes sat before sellers had to adjust.

That does not mean your home has to be priced low.

It means your price needs to be supported by real buyer behavior, not just hope.

Because the goal is not to become the next listing people use as a cautionary example.

The goal is to protect your money from the start.

06/03/2026

That little “Request a tour” button feels harmless when you are excited about a house.

You see the photos, picture your furniture, start imagining the weekends there, and suddenly you just want to get inside as fast as possible.

I get it.

But for buyers, that one click can quietly decide who gets your contact information and who starts guiding your next steps.

And for the biggest purchase most people ever make, you deserve more than a random connection.

You deserve someone you have actually chosen. Someone who understands your goals, your budget, the neighborhood, the offer strategy, and what to watch for before you fall too hard for the wrong house.

Comment “TOUR” and I’ll send you a few smart questions to ask before you schedule your next showing.

06/01/2026

05/29/2026

No one talks about this part enough.

You get the call.
Your offer is accepted.
You’re excited. Maybe even a little emotional.

And then the real numbers start showing up.

Earnest money.
Inspection.
Appraisal.
Closing costs.

And suddenly you’re thinking…
“Wait, I thought I just needed the down payment?”

This is the part that catches a lot of buyers off guard.

The buyers who feel the most confident are usually the ones who understood these costs before they ever got under contract.

Because when you know what to expect early, you make better decisions.
You negotiate better.
You move through the process with a lot less stress.

That’s one of the biggest reasons having the right agent matters.

My job is to help you understand the full picture before you commit, so you feel prepared every step of the way.

Save this for later.
Send it to someone who needs to see this.

05/28/2026

Most first-time buyers think the big question is:

“Can I get approved?”

But the smarter question is:

“Which loan makes the most sense for my situation?”

FHA can be a strong option for buyers who need a lower barrier to entry. It can help if your credit is not perfect yet or if you are working with less saved up.

Conventional can be a better fit for buyers with stronger credit who want lower long-term costs and the chance to remove PMI once they reach 20% equity.

Neither loan is automatically better.
It depends on your numbers, your goals, and your timeline.

That is why buyers get confused so easily.
Not because they are bad at this.
Because there is a lot of information, and not all of it is explained clearly.

My job is to help you understand the path, connect you with the right people, and make sure you are making decisions that fit your real life.

Comment or Dm me the word “LENDER” and I’ll send you a few solid mortgage broker recommendations to help you compare your options.