Tori McClung, Realtor - Image Realty NEA

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United States
Paragould, AR
Tori McClung, Realtor - Image Realty NEA

Specializing in Land and Residential Real Estate in Northeast Arkansas. (870)476-3660 tori@imagereal

07/26/2022

Summer is here and that means we will be spending a lot more time outside. What's your favorite park to visit?

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

07/11/2022

Are you having trouble removing that pesky pet odor in your home? Here are a few tips:

*Air out the house by opening doors and windows.
*Buy air purifiers and place them around your home.
*Since dogs sweat through their feet, be sure to keep floors clean and mopped.
*Wash their dog beds and blankets regularly.
*Have carpets professionally cleaned throughout the year.

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

07/04/2022

RED, WHITE, and BLESSED!!! Wishing you nothing but happiness on this great day! Happy 4th of July!!

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

06/20/2022

Jargon alert: when you apply for a mortgage, you're going to hear a lot of big words that you never thought you'd actually need to know outside of economics class.

One of those phrases is " debt to income ratio." When you seek financing to buy a home, there are a number of factors that lenders use to determine the strength of your application. Your income, employment history, credit history/credit score, and debt-to-income ratio are a few of the bigger ones.

Debt-to-income ratio is, simply put, the amount of debt you have compared to your yearly income. Lenders can work with some types of debt, like student loans, but if your debt-to-income ratio is too high, you might not qualify for a loan (or you'll have to pay a higher interest rate).

So, if you have some debt, don't stress about it, but do your best to pay it down asap if you're planning to apply for a mortgage! If you're ready to start the pre-approval, let's get you connected to some great lenders!

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

06/08/2022

This is a tough choice in today's market, but do you prefer new construction or an existing home?

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

05/31/2022

Thinking of buying flowers?

Be sure to pick up a bouquet that will last longer than the weekend.

Here are a few long-lasting flowers to give and receive:

🌻 Zinnias - 3-4 weeks
🌸 Orchids - 3 weeks
🌻 Carnations - 2-3 weeks
🌸 Lillies - 2 weeks
🌻 Sunflowers - 1-2 weeks
🌸 Dahlias - 1-2 weeks

And don't forget my favorite pro tip: before you put your flowers in water, trim 1-2 inches off the end of each stem and prune any extra leaves to make them last longer!

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

05/25/2022

Home is definitely where my people are - and all my fur babies!! What does home mean to you?

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

05/20/2022

BACK ON THE MARKET!!! You don't want to miss out on this one!!!

1304 Bard Road in Paragould!

4 Bedrooms, 2 Bathrooms 1848 SQFT
Listed at $194,900

✔ Secluded property on 1 acre +/-
✔ City limits
✔ One year home warranty
✔ Closing costs paid up to $5,000
✔ Free home inspection report with repairs already completed

Call me today and let's go check it out!

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

05/18/2022

Q: How much do I really need to put down to buy a home?

Good news! It's *not* 20%. Even though 20% has historically been the magic down payment number, few lenders still require 20% at closing. In 2020, the median down payment on a home was 12 percent for all buyers, 7 percent for first-time homebuyers, and the highest for repeat buyers at 16 percent (according to the National Association of Realtors). Many mortgage programs allow as little as 3% down or in some cases, no money down.

While you should always chat with a qualified lender to figure out the best loan option for your own finances, there will be a few benefits to putting 20% down on your home.

↪️ No PMI - if you put less than 20% down you might wind up paying mortgage insurance until you accrue more equity.
↪️ Better interest rates - in some cases, if you put more money down you'll qualify for lower interest rates.
↪️ Less interest over time - if you put more down, you'll pay off your loan faster which means less interest.
↪️ Lower Monthly Payments - the larger your down payment, the less money you’ll borrow for your mortgage loan.
↪️ Competitive Edge - a larger down payment can make your offer more attractive to sellers as they'll anticipate fewer issues during the mortgage contingency period.

The bottom line: whether you have a 20% down payment saved or not, it's time to start investing in your future instead of your landlord's! 😉 Drop a DM if you're interested in an initial conversation to see where you're at and create your game plan.

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

05/11/2022

The living room is the place where all your guests gather to have conversations and fun!

This is called the "Brighten Up Your Home Challenge," & with it, you can make your home a more inviting place to live.

👉 First, if you are looking to repaint, picking a neutral color for your wall paint is the way to go! This will look great with any decor that you choose.

👉 Next, you can opt for a lighter color rug. If you like colors, you can pick a faded light blue or faded orange- whichever color you are going for.

👉 You can also use lighter-colored curtains to keep that neutral look, & getting curtains that are a little thicker will help with A/C costs too.

👉 In addition, you can get some softer bulbs or some smart bulbs that you can control from your phone. There are a lot of different brands to choose from!

👉 Lastly, minimizing your wall decor can help your home feel less cluttered. Pick one big conversation piece for the room, add some accents or family photos & you're good to go!

05/05/2022

Happy Cinco De Mayo!! Who doesn't love some good Mexican food? What's your favorite spot in town?

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

05/02/2022

Have you completed any of these spring home maintenance items yet?

✨ Go through your winter clothes, store them, and get rid of the clothes you didn't touch all winter.

✨ If you have a sprinkler system make sure that it's working!

✨ Ah, it's bug season! Spray for those pesky critters to keep them out of the house and yard.

✨ Clean your windows- because clean windows=clean mind. That's the expression, right??

✨ Replace your A/C filters (This is important!)

✨ Get up in that attic before it gets too hot. Make sure the insulation hasn't been torn apart by any animals, and if it has, call a professional to fix both issues!

✨ The front porch/front of the house is the first thing people see, so add some flowers, a bench- anything to make it more colorful!

Tori McClung, Realtor
Image Realty NEA - Team Cansellit
Cell: 870.476.3660
Office: 870.236.2121

Address

Paragould, AR
72450

Telephone

+18704763660

Website

http://myimagerealty.com/

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