Loma Rosario -Realtor

06/28/2024

01/03/2024

Is 2024 a good year to sell your home? Let’s break it down! 🏠📈

High mortgage rates and steep home prices have everyone playing hard to get. But hey, if rates decide to chill out, expect the market to heat up like a summer BBQ! 🔥 So, whether you’re thinking of cashing in or holding on, one thing’s for sure—2024 is keeping us on our toes! 🤔

01/02/2024

01/02/2024

Paying rent? So last year. In 2024, let’s upgrade that monthly expense into an investment. Swipe right to homeownership, because your dream home is just a down payment away! 🏠💰🗝

12/31/2023

"We think we're going to end up with a relatively soggy 2024 when we look back at the end of next year."

12/26/2023

Snow or shine, I’m your Realtor for all seasons! 🌨️☀️ Because let’s face it, a cold day house-hunting beats a hot day at the DMV any time. Bundle up or dress down, either way, I’ll show you around! 🏠🔑

12/20/2023

Santa called (407.773.1116)—he wants his hotline back! 🎅☎️ Just kidding, that’s actually my number. Because let’s be real, even Santa can’t slide a dream home down your chimney. 🏠🎄

Craving a new home on your holiday wish list? Give me a jingle; I’ve got the keys to make your home-for-the-holidays fantasy a reality. 🔑🎁

12/19/2023

Ready to elevate your credit score and secure that dream home? 🏠💳 Here’s your game plan made easy!

1️⃣ Become an Authorized User: Attach your credit profile to a trusted family member’s credit card account to benefit from their positive history.

2️⃣ Negotiate with Creditors: Settle any old debts or dispute inaccuracies to clean up your credit report.

3️⃣ Rapid Rescoring: Consult your lender about this fast-track method to update your credit score within days, not months.

4️⃣ Credit Limit Increase: A higher limit can improve your credit utilization ratio, but only if you maintain low balances.

Follow these advanced tips and get closer to clinching that ideal mortgage rate! 🌟🔑

12/18/2023

Purchasing a new home before selling your existing one can simplify the moving process, eliminating concerns about storage and temporary housing. However, this convenience comes with the risk and complexity of managing two mortgages simultaneously.

Keep in mind:

🗝 If you plan to use the equity from your current home for the down payment on the new one, you’ll need to sell your existing property first.

🗝 A commonly used strategy for buying and selling homes simultaneously is to include a contract contingency. This makes the purchase of your new home conditional on the successful sale of your current one.

12/14/2023

Ah, the intoxicating smell of real estate transactions in the air. Before you start sticking “For Sale” signs in the front yard or uploading hasty photos taken on your phone, let’s get one thing straight: there are Do’s and Don’ts. Yes, capitals intended.

Forget everything you think you know about speed dating—this is speed selling, and you don’t want to swipe left on a bad decision.

Here are Seller Do’s & Dont’s you may want to pay attention to:

Dont’s

❌ Don’t rush the process. Be Patient. Your home is a significant investment worth the time and effort

❌Beware of iBuyers. Companies like Zillow or Opendoor might buy your home quickly but at a much lower price.

Do’s

✅ Be Open to Negotiation. A slightly higher price than the appraisal value can give you room to negotiate

✅ Craft a Comprehensive Marketing Plan

✅ Utilize Professional Photography by showcasing your home in the best light and angle

✅ Offer a Home Warranty As This Adds an extra layer of assurance for potential buyers

So there you have it, folks—the secret sauce for selling your home without losing your shirt, your dignity, or that fancy chandelier you love so much.

12/11/2023

Ready to dive into the house-hunting pool? 🏡💦 Wait! Before you take the plunge, ensure you’ve got your floaties on. Here’s the lowdown on what lenders really peek at when you’re aiming for that golden pre-approval:

🗝 Paychecks & Beyond

Sure, your monthly salary is a start, but lenders are looking for the whole financial symphony. Think consistent income, stellar credit score, and a robust down payment.

🗝 Job Journals

In the homebuying story, a steady employment plotline is a bestseller. A few plot twists (like employment gaps) might need some explaining, but hey, every story has its quirks!

🗝 The Debt Dance

Enter the DTI – your debt-to-income ratio. It’s the fancy footwork showing how nimble you are juggling income and debts. A smooth DTI waltz can make lenders’ hearts flutter.

Feeling a tad overwhelmed? No worries, I’m here with the choreography. Let’s tango through the process together!