Shanene Mariya Sewell, Realtor

Shanene Mariya Sewell, Realtor Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Shanene Mariya Sewell, Realtor, Real Estate, 200 S. Dupont Blvd, Ste. 105, Smyrna, DE.

Open House! Spacious 4BR/2BA in Frederica! ✨Description: Explore this beautiful 2-story home featuring 4 bedrooms, 2 bat...
05/08/2024

Open House! Spacious 4BR/2BA in Frederica! ✨

Description: Explore this beautiful 2-story home featuring 4 bedrooms, 2 baths, & gleaming hardwood floors! Open house this Sunday, 1-4 PM. Don't miss out!

Shanene Sewell
Realtor
DE License:0038336
(302)343-5425

🌟 Looking for budget-friendly fun with the kids this weekend? 🌈 Check out these awesome activities that won't break the ...
11/09/2023

🌟 Looking for budget-friendly fun with the kids this weekend? 🌈 Check out these awesome activities that won't break the bank! 🤑

1. 🍁 Nature Scavenger Hunt: Explore your local park, collect treasures, and learn about the great outdoors!

2. 🎨 Arts & Crafts Day: Get creative with DIY projects using everyday household items. Messy, but so much fun! 🖌️

3. 📚 Library Adventure: Visit your local library for storytime, book borrowing, and maybe even a free event or workshop.

4. 🏞️ Picnic in the Park: Pack a simple lunch, a blanket, and enjoy a sunny day outdoors with frisbee, soccer, or just relaxation.

5. 🍦 Ice Cream Sundae Party: Create a DIY ice cream bar with toppings, sprinkles, and all the fixings. 🍨

6. 🎥 Movie Marathon: Have a family movie night with classics or your kids' favorites. Popcorn, anyone? 🍿

7. 🚴 Bike Ride: Hit the trails or explore your neighborhood on two wheels. Great exercise and adventure!

Remember, it's the quality time spent together that matters most. Share your weekend fun with us! 💖

🏡📝 Exploring Home Loan Contingencies: What to Expect After Acceptance! 📝🏡So you've just accepted that dream home loan of...
11/08/2023

🏡📝 Exploring Home Loan Contingencies: What to Expect After Acceptance! 📝🏡

So you've just accepted that dream home loan offer 🎉, but the journey isn't over yet! There are several crucial contingencies you should be aware of before sealing the deal. Let's break them down:

1️⃣ Appraisal Contingency: 📈
- The home must appraise for the purchase price or higher.
- If it doesn't, you might need to renegotiate the terms, make a larger down payment, or even walk away.

2️⃣ Financing Contingency: 💰
- This ensures you secure financing based on the terms specified in your offer.
- Failure to secure a loan can allow you to back out without penalties.

3️⃣ Inspection Contingency: 🔍
- You have the right to get the property inspected.
- If major issues are found, you can request repairs, credits, or walk away.

4️⃣ Title Contingency: 📜
- It ensures the property has a clear title with no ownership disputes or liens.
- Any title issues need to be resolved before closing.

5️⃣ Homeowner's Association (HOA) Contingency: 🏘️
- If the property is part of an HOA, you should review their rules, fees, and financial health.
- Unacceptable terms may allow you to cancel the contract.

6️⃣ Sale of Your Current Home Contingency: 🏠
- If you need to sell your current home to buy the new one, this clause allows you time to do so.
- Failure to sell can lead to canceling the deal.

7️⃣ Home Insurance Contingency: 🏡🛡️
- Ensure you can obtain affordable home insurance.
- If you can't, it may affect your ability to close the loan.

8️⃣ Government Approvals Contingency: 🏢🌆
- If the property requires specific government approvals or permits, this contingency ensures they are obtained.

Understanding these contingencies is vital for a smooth home buying process. Don't hesitate to consult your real estate agent and attorney for a clearer picture. Happy house hunting! 🏡🔑

11/08/2023

🕒 Single Moms, we salute your strength! Here are some time-saving tips to make life a bit easier:

1. Meal Prep Magic 🍽️: Cook in batches and freeze meals for the week. It saves time and ensures your family eats well.

2. Delegate Chores 🏡: Don't be afraid to ask for help. Kids can pitch in with age-appropriate tasks.

3. Smart Shopping 🛒: Use grocery delivery services or curbside pickup to save time at the store.

4. Calendar Power 🗓️: Organize your schedule with apps like Google Calendar to keep track of appointments and activities.

5. Self-Care Moments 🌼: Don't forget to take a break for yourself. It's essential for recharging!

Remember, you're doing an incredible job. 💪

🏡 USDA Home Loan Requirements:📈 **Income Eligibility:**- Your household income must fall within USDA guidelines for your...
11/04/2023

🏡 USDA Home Loan Requirements:

📈 **Income Eligibility:**
- Your household income must fall within USDA guidelines for your area.
- Requirements vary based on family size and location.

💳 **Credit Score:**
- While there's no strict minimum credit score, a good credit history is essential.
- Lenders typically prefer scores above 640 for smoother approval.

💰 **Debt-to-Income Ratio (DTI):**
- Your DTI should be around 41% or lower.
- This includes your housing expenses and other debts.

🏡 **Property Eligibility:**
- The home must be in an eligible rural or suburban area.
- Check the USDA website or consult a lender for property eligibility.

📋 **Additional Documentation:**
- You'll need to provide proof of income, employment, and other financial documents.

📞 **Talk to a Lender:**
- Connect with a qualified lender for a detailed assessment of your eligibility.
- They can help you navigate the USDA loan process and guide you through the requirements.

🏠 Fulfilling these criteria can open doors to affordable homeownership with a USDA home loan! 🌾💰

11/01/2023

🏡🤔 Looking for your dream home? I want to make sure it's a perfect match! Share your preferences with me:

1. Location: City center, suburbs, or rural escape?
2. Size: Cozy apartment, family home, or spacious estate?
3. Budget: 💰 Affordable, mid-range, or luxury?
4. Style: Modern, traditional, or something unique?
5. Amenities: Pool, garden, gym, or others?
6. Schools: Proximity to good schools?
7. Commute: Short and sweet or willing to travel?

Let me know your top picks in the comments! I'm here to help you find the ideal home. 🏠❤️

10/28/2023

🏡 Home Owning vs. Renting: The Ultimate Showdown! 🏢

👍 Pros of Home Owning:
1️⃣ Investment 📈: Build equity over time and potentially benefit from property appreciation.
2️⃣ Stability 🏡: Create a sense of permanence and personalize your space to your heart's content.
3️⃣ Tax Perks 💰: Enjoy potential tax deductions, like mortgage interest and property tax deductions.
4️⃣ Freedom ✌️: Make renovations, decorate, and landscape as you wish without landlord restrictions.
👎 Cons of Renting:
1️⃣ No Equity Growth 💸: Monthly rent payments don't contribute to long-term financial growth.
2️⃣ Limited Personalization 🏡: Restrictions on decorating and home modifications.
3️⃣ Rent Increases 📈: Landlords can raise rent, potentially impacting your budget.
4️⃣ No Tax Benefits 📝: You don't get tax deductions for renting expenses.

The choice between home owning and renting ultimately depends on your personal goals, financial situation, and lifestyle preferences. 🤔 Make the decision that aligns with your unique circumstances! 🤝

Good morning 🌞🌞🌞
10/24/2023

Good morning 🌞🌞🌞

10/24/2023

🏠 Looking to navigate Delaware's real estate market? 📈 Check out these financing programs that can help you in this low inventory, high interest environment:

1️⃣ Delaware State Housing Authority (DSHA): They offer down payment assistance and low-interest rate programs, making homeownership more accessible.

2️⃣ Federal Housing Administration (FHA) Loans: With lower down payment requirements and flexible credit score standards, FHA loans can be a great option for first-time buyers.

3️⃣ Delaware First-Time Homebuyer Tax Credit: Save on your taxes with this program designed to ease the financial burden of buying your first home.

4️⃣ USDA Rural Development Loans: If you're eyeing properties in rural areas, these loans offer low interest rates and 100% financing.

5️⃣ Delaware's 55+ Housing Program: For seniors, this program provides resources and housing options tailored to their needs.

Despite the market challenges, these programs can be your ticket to homeownership in Delaware. 🌟 Don't miss out on your dream home – explore your financing options today! 🏡💰

10/19/2023

Whether you're local or out of state I will make it work! Recorded this video for my clients in New York of our beautiful model home in Pinehurst Village.

Address

200 S. Dupont Blvd, Ste. 105
Smyrna, DE
19977

Telephone

+13023435425

Website

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