Catreal Perkins-Payne Properties LLC

Catreal Perkins-Payne Properties LLC Whether you’re searching for your forever home or a smart investment property, I’m dedicated to finding the perfect fit for your needs.

Let’s work together to turn your real estate goals into reality! Catreal Perkins has worked in telecommunications for 21 years and has a passion for helping others. Catreal Perkins has built a solid foundation in her community through her professionalism, attention to detail and commitment to always put her clients first. She is taking her 21 years of customer service experience and gearing toward the Real Estate industry. With a passion for service in the Gulf Coast area, Catreal Perkins is ready to help with your home buying and selling needs. As a proud member of the AM Equity Realty family, Catreal Perkins carries the values of hard work, integrity, and outstanding client service into everything she does. When Catreal Perkins isn't making homeownership dreams come true for her clients, she enjoys spending time with her family and creating new experiences.

What Credit Score Do You Need to Buy a House?Thinking about buying a home but worried your credit score isn’t high enoug...
09/06/2026

What Credit Score Do You Need to Buy a House?

Thinking about buying a home but worried your credit score isn’t high enough? You may have more options than you think! 👀

Your required credit score depends on the type of mortgage you choose:

FHA Loans: Often available with scores as low as 580 (sometimes lower with additional requirements).

Conventional Loans: Typically require around 620+, though a higher score can help you qualify for better terms.

VA Loans: The VA doesn’t set a minimum credit score, but lenders often have their own requirements.

USDA Loans: Credit requirements vary by lender, and qualifying buyers may have options with scores below 640.

The good news? Your credit score is only one part of the home-buying picture. Your income, debt, down payment, employment history, and overall financial profile can also affect your ability to qualify.

If buying a home is on your 2026 goal list, don’t count yourself out before exploring your options! 🔑

THINKING ABOUT BUYING A HOME? READ THIS FIRST! 👀Before you fall in love with a house, make sure you know these 3 things:...
09/02/2026

THINKING ABOUT BUYING A HOME? READ THIS FIRST! 👀

Before you fall in love with a house, make sure you know these 3 things:

1. Know Your Numbers
Know what monthly payment fits comfortably within your budget—not just what a lender says you qualify for.

2. Get Pre-Approved
A pre-approval can help you shop with confidence and shows sellers you’re serious.

3. Know Your Must-Haves
Separate your MUST-HAVES from your NICE-TO-HAVES. It can save you time, money, and a lot of stress!

✨ Ready to start your home-buying journey?

Comment “HOME” below or send me a DM. 📩
Let’s talk about your goals and your next steps! 🏡❤️

https://pin.it/1bzen7xIN
Take a look! 📌

Working with a realtor isn’t required—but for most people, it makes the process smoother, safer, and often more profitab...
05/18/2026

Working with a realtor isn’t required—but for most people, it makes the process smoother, safer, and often more profitable. Here’s why:
1. Market expertise you don’t have to learn the hard way
Realtors know local pricing, trends, and neighborhood nuances. They can tell you if a home is overpriced, underpriced, or likely to spark a bidding war—something that’s tough to gauge on your own.
2. Negotiation skills that can save (or earn) you thousands
Whether you’re buying or selling, negotiations go beyond price—repairs, contingencies, timelines, and closing costs all matter. A good agent knows how to structure offers and counteroffers strategically.
3. Access to listings and networks
Realtors often see homes before they hit public sites and have connections with other agents, inspectors, lenders, and contractors. That access can give you a competitive edge.
4. Handling paperwork and legal details
Real estate transactions involve contracts, disclosures, deadlines, and regulations. Mistakes can be costly. A realtor helps ensure everything is done correctly and on time.
5. Time and stress savings
They coordinate showings, filter out unsuitable properties, and manage communication between all parties. That’s a big deal, especially in fast-moving markets.
6. Pricing and marketing (for sellers)
Realtors don’t just list your home—they position it. That includes pricing strategy, staging advice, professional photos, and marketing to attract qualified buyers.
7. Guidance through inspections and closing
When issues come up (and they usually do), a realtor helps you navigate repairs, credits, and final steps without derailing the deal.
Bottom line:
You can go solo, but a strong realtor often pays for themselves through better deals, fewer mistakes, and less stress.
If you want, tell me whether you’re buying or selling—I can break down exactly how a realtor helps in your specific situation.

04/27/2026

“Courtesy of Payne Properties”
5621 Picadilly Circle
Gautier MS

Still time to your new home by summertime.🏡💐

Contact me for a house tour📱

03/15/2026

Courtesy of Payne Properties

4308 Robinhood Drive Pascagoula MS

Contact me to schedule a showing.

Courtesy of Payne Properties:We just closed! Congratulations to both the buyers and sellers!Who’s next? Please contact m...
02/22/2026

Courtesy of Payne Properties:

We just closed! Congratulations to both the buyers and sellers!

Who’s next?

Please contact me whether you’re interested in buying or selling. Payne Properties will keep you informed and look out for you best interest.

Address

Moss Point, MS

Telephone

+12286234425

Website

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