Nicole Collins,Realtor- Exp Realty

01/17/2025

First Steps to the homebuying process

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05/22/2024

Calling all self-employed dreamers ready to make their homeownership dreams a reality! If you're self-employed and looking to secure a mortgage, these invaluable tips will guide you toward success.

1) Organize financial records.
2) Build a strong credit history.
3) Show consistent income.
4) Save for a larger down payment.
5) Reach out so we can find you a good rate.

Stay focused, remain diligent, and watch your dreams of owning a home become a reality!

11/28/2023

Congratulations on applying for a home loan! Here are some things to steer clear of during the process:

1) Don't apply for new credit: Applying for additional credit can harm your credit score and increase your debt-to-income ratio.

2) Avoid major purchases: Items like cars or furniture can impact your debt-to-income ratio, causing concerns for lenders. It's best to hold off until after your home loan is finalized.

3) Don't close existing credit accounts: Closing accounts affects your credit utilization and history. Maintain those accounts with zero balances to showcase your credit history and a healthy credit score.

4) Avoid changing jobs: Lenders prefer steady employment, indicating financial stability.

5) Don't make late payments or miss payments: Stay on top of all your bills, from credit cards to loans and utilities.

6) Avoid co-signing for others: Co-signing for others increases your debt-to-income ratio and can impact your creditworthiness.

If you have anymore questions reach out, and let's chat!

11/27/2023

Embracing the golden hues of fall? 🍂 Here's a bucket list to make this season unforgettable. And if you're feeling that "buy your dream home" vibe, let's chat!

11/26/2023

Imagine your home stripped down to the bare essentials. What three things can't you part with?

Is it that comfy couch perfect for movie nights, your well-stocked bookshelf, or the kitchen gadget that makes meal prep a breeze? Take a moment to think about it.

11/25/2023

Holiday tablescapes can be simple and yet beautifully festive! Before you dive into Pinterest and end up overwhelmed, consider these easy, budget-friendly ways to dress up your dining space for the season:

🍽 Choose neutral linens that fit any occasion. Gold or understated patterns can seamlessly blend with any holiday theme.
🍽 Embrace the beauty of nature. Order a festive floral arrangement or use fresh greenery to set a warm and inviting scene.
🍽 Layer up! Begin with chargers, followed by dinner plates, linens, and place cards. Small napkins between plates can add an elegant touch.

Here's to a holiday table that's stylish, simple, and so you!

11/24/2023

When you are unwinding during the festive season, are you cozying up with a book, binge-watching movies, or... house hunting? 😄 Which one are you?

If you picked option C then let's chat about those listings!

11/23/2023

Go ahead, get cozy! It's the perfect time of year for a Netflix binge, and some movies so perfectly fall. Here are a few to add for your next movie marathon.

What movie puts you in the mood for the holidays?

11/22/2023

You can never go wrong with a good side for Thanksgiving, but if you had to pick one, which would it be?

11/21/2023

The holiday hustle can be overwhelming. Remember, it's okay to pause, breathe, and prioritize self-care. Everyone deserves a quiet moment amidst the festive frenzy. 🌟

11/20/2023

Cozy corners and festive vibes! 🎄 When the holiday spirit fills the room, which decor piece makes your heart glow the most? Share your festive faves!