Shelly Wise/ Real Estate Wise & Prosper

03/28/2025

🗣️PSA to all future homeowners: 🏡
You don’t have to say yes to the first mortgage lender that smiles at you!
Buying a home is a huge move—literally and financially—so shop around like you’re hunting for the perfect pair of shoes. Because this decision actually walks with you for years.

💡Here’s why shopping around matters:
• Better rates = more savings
• Different lenders offer different programs
• You can negotiate terms (yes, really!)
• Not all lenders treat you the same—find one who works for YOU

Flex that freedom. Compare options. Ask questions. And don’t settle until the fit feels right!

03/19/2025

“Say goodbye to lurking germs! 🍋✨ Wooden cutting boards are naturally antibacterial (yep, science says so!), and a little lemon + salt scrub keeps them fresh and clean.
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🧼 Bonus: Your kitchen will smell amazing! Who else loves a good all-natural clean? ”

03/14/2025

“Buying or selling a home? The right real estate agent makes all the difference! Let’s make your next move seamless, stress-free, and successful. Choose experience, dedication, and results—choose me! 🏡✨

03/11/2025

📝 5 Essential Questions to Ask Your Lender Before Buying a Home! 🏡💰

Buying a home is one of the biggest financial decisions you’ll make! Asking the right questions can help you secure the best loan and avoid surprises. Here are five key questions every homebuyer should ask their lender:

1️⃣ What loan options do I qualify for?
Different loans have different benefits—FHA, VA, Conventional. Know your options!

2️⃣ What’s my interest rate and APR?
Your rate affects your monthly payment, while APR includes fees. Make sure you understand both!

3️⃣ How much do I need for a down payment?
Some loans require as little as 3%, while others may need 20%—ask about down payment assistance programs too!

4️⃣ What are the closing costs?
Closing costs typically range from 2-5% of the home price. Know what’s included and if you can negotiate.

5️⃣ Is there a prepayment penalty?
Some loans charge fees if you pay off your mortgage early—make sure yours doesn’t!

Knowledge is power! 💡 Asking these questions ensures you’re financially prepared and confident in your home-buying journey.

🔑 Need more real estate tips? DM me!

02/19/2025

🗣️Home Buyers: Get $15K in Grant Money!
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📣NEIGHBORHOOD LIFT PROGRAM
OPENING 2/19 📣
• Grant up to $15,000 of which $5,000 could be used to payoff installment loans or collection accounts
• Philadelphia County Properties Only
• First-Time Buyers Only
• Single Family or Duplex
• 80% Median Income Limit for the Buyer ONLY - no houschold income
• Counseling with Affordable Housing or Rise Up ONLY
• Counseling to be done BEFORE offer is submitted
• Buyers will get a Will, Home Warranty & $1500 Repair Credit in the first 12 months after closing if they go to post-closing counseling sessions
• Forgivable after 5 years
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If you’re looking to buy a home and want to take advantage of available $15,000 grant programs, don’t miss out on this opportunity! As an expert real estate professional, I can guide you through the application process and help you secure the funds you need.

Reach out today to learn how you can qualify and make your homeownership dreams a reality!

02/13/2025

Welcome to 7435 Woolston Ave., located in the desirable Mount Airy section of Philadelphia. This three-bedroom, two-bath home is perfect for a first-time homebuyer looking to add their personal touch. With a little TLC, this house has the potential to shine.

Inside, you’ll find beautiful hardwood floors throughout, a spacious living and dining area, and an air-light style kitchen. The large finished basement offers additional living space, along with a one-car garage and a convenient laundry area on the lower level.

Don’t miss this opportunity to make this house your home and create lasting memories for years to come!

Please note: This is an as-is estate sale, and the seller will NOT be making any repairs. Home inspection for informational purposes only.

06/15/2023

Household Tips!

04/12/2023

🗣️SOLD!!! Congratulations to my client on becoming a new homeowner!!! I would also like to thank him for trusting me to guide him through this process all the way from North Carolina!! Yes, I still work in PA while in North Carolina 🤗 Let me help you sell or buy your home! Contact me today! ☺️

03/23/2023

🎶These 3 Words…🎶 are music to my ears… 🗣️ CLEAR TO CLOSE‼️

02/18/2023

05/12/2022

Vacant department stores being transformed into apartments and condos… Is this your vibe?

04/20/2022

A great daily escape… the treehouse ♥️