Antwaun Duncan-kellerwilliamsrealtor

08/09/2026

Real Estate Fact of the Day 💡

FACT: Having student loan debt does not automatically disqualify you from buying a home—and you definitely don't need 20% down. 🛑👀

If you're a first-time homebuyer sitting on student loans and assuming you need $20k–$40k saved up just to start, here is what is actually happening in today's mortgage market:

The 20% Down Myth is Busted: The average first-time buyer puts down far less. Conventional loans start at 3% down, FHA at 3.5%, and qualifying VA or USDA loans require 0% down.

Down Payment Assistance (DPA) Exists: Thousands of state and local grant programs offer forgivable loans and assistance specifically to cover your upfront down payment and closing costs.

Monthly Payment > Total Balance: Lenders evaluate your monthly student loan payment (like an Income-Driven Repayment amount)—not your total loan balance—when calculating your home-buying power.

The Bottom Line: You don't have to wait until every penny of student debt is paid off before building equity in a home of your own.

Drop "HOME" in the comments or send a DM to check which local down payment assistance programs you might qualify for! 📲✨

Antwaun Duncan | Keller Williams Realty

Equal Housing Opportunity 🏠

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08/06/2026

Real Estate Fact of the Day: You might be sitting on a bigger piggy bank than you realize! 🐷🏡

Fact: Your home equity is simply calculated as:

📈 Current Market Value − Remaining Mortgage Balance = Your Home Equity

Every single monthly mortgage payment you make slowly reduces your loan's principal balance. At the same time, local market appreciation works in the background to boost your property's value over time. The growing gap between those two numbers is cold, hard equity!

When you decide to sell, that equity translates directly into your profit check at the closing table (after paying off your remaining loan and closing fees)—giving you the cash you need to buy your next home, upgrade, or fund other major financial goals.

Curious to know how much equity you’ve accumulated in your current home over the last few years? Drop a comment below or send a DM for a free, zero-commitment Equity Estimate!

08/04/2026

🏡 REAL ESTATE FACT OF THE DAY! 🏡

Did you know? There is a major difference between being Pre-Qualified and Pre-Approved for a mortgage! 💡

Pre-qualification is just a quick estimate based on unverified numbers you provide.

Pre-approval means a lender has actually verified your financial documents (tax returns, income, debt) and confirmed the exact loan amount you qualify for.

Sellers treat a Pre-Approval letter like gold because it proves you're a ready, capable buyer!

If you were starting your home search today, what's the first question you'd ask a mortgage lender? Drop it below! 👇

08/01/2026

Real Estate Fact of the Day: Getting pre-approved won't ruin your credit score! 💳

Fact: When a mortgage lender pulls your credit for a formal pre-approval, credit scoring models treat all mortgage inquiries within a 14-to-45-day window as a single inquiry to allow you to rate shop. Furthermore, pre-approvals are typically valid for 60 to 90 days, giving you plenty of time to shop for a home without needing another credit pull.

If you’ve been avoiding pre-approval because you're scared of a minor credit ding, remember that knowing your exact buying budget upfront is what prevents costly surprises once you find the right home!

Ready to get a clear, verified picture of your homebuying power? Drop a comment below or send a DM!

07/31/2026

Real Estate Fact of the Day: You don’t need an 800 credit score to buy a home! 🎯✨

Fact: While a higher credit score gets you the absolute lowest interest rates, automated underwriting guidelines allow buyers to qualify for FHA loans starting at a 580 credit score with 3.5% down, and many Conventional loans starting at 620.

If your score isn't "perfect," don't assume you're locked out of the market. Often, simple actions—like paying down a specific credit card balance or correcting an error on your report—can boost your score enough to qualify sooner than you think.

Curious what score tier you need for your target loan type? Drop a comment below or send a DM! 👇

07/30/2026

Real Estate Fact of the Day: You don't need 20% down to buy a home. 🏡✨

I talk to so many people who think they have to wait until they have a massive down payment saved before they can even look at homes. The truth? Many first-time buyer programs exist that allow you to put down significantly less—sometimes as little as 3% or 3.5%!

It’s easy to feel like the 'dream home' goalpost is constantly moving, but getting into the market might be closer than you think.

I’m curious—what is the #1 question or 'hurdle' you have about buying your first home? Drop it in the comments below! 👇 I’d love to help clear up the confusion.