Jen Schill, Realtor

06/18/2026

Carrying PMI (private mortgage insurance) might be a good idea if it helps you get on the property ownership ladder while rates are low! Here are details about how it works.

PMI is an added insurance policy for homeowners who put less than a 20% down payment and is designed to protect the lender if you are unable to pay your mortgage.

06/18/2026

Buyer preferences continue to evolve, but certain trends remain consistent across markets.

Functional layouts, natural light, and updated kitchens are at the top of most lists. Outdoor space and flexibility for work or lifestyle also play a major role.

Understanding what buyers want allows sellers to position their home more effectively.

The more aligned your home is with demand, the stronger your results tend to be.

06/17/2026

Mortgage Term of the Day:
A mortgage becomes delinquent when a borrower misses a payment.

📅 Even being just one day late can count as delinquency—though most lenders offer a grace period.
💳 If the loan stays delinquent, it can lead to fees, credit damage, and even foreclosure.

Always communicate with your lender if you're at risk of missing a payment!

06/17/2026

The first week on the market is the most important.

Overpricing can lead to less interest, longer days on market, and eventually price reductions that weaken your position.

Homes priced correctly attract attention immediately and can create stronger competition.

The right price is not about guessing high. It is about understanding the market and positioning strategically.

That is how you maximize results.

06/16/2026

In competitive markets, the highest offer does not always win. Terms, timing, and overall strength matter just as much as price.

Sellers are looking for certainty. Clean financing, flexible timelines, and fewer contingencies can make a significant difference.

Buyers who understand how to structure a strong offer position themselves ahead of the competition.

It is not just about offering more.
It is about offering smarter.

06/16/2026

Before you start browsing homes online, your first step should always be getting pre-approved.

Why? Because it gives you a clear picture of your budget, strengthens your offer, and shows sellers you’re serious.
In a competitive market, that can make all the difference.
It’s not just a formality—it’s your foundation.

06/15/2026

Mortgage Term of the Day:
Foreclosure happens when a homeowner fails to make mortgage payments, and the lender takes back the property to sell it and recover their loan.

⚠️ It can seriously impact credit and homeownership future.
🏠 Foreclosed homes often sell at a discount but may need repairs.

If you’re struggling with payments, reach out for help early — options may be available!

06/15/2026

Buying or selling a home is one of the biggest decisions most people make.

It involves timing, finances, emotions, and long term planning.

The process should feel guided, not overwhelming.

Having the right strategy and the right support makes the entire experience smoother and more successful.

It is not just about closing. It is about getting it right.

06/14/2026

I mean, who wouldn’t want to wake up to a view like this every day? 😍🌄

What’s your dream morning view? Mountains, ocean waves, city skyline, or maybe a cozy garden?

Tell me what you’d love to see outside your window! ⬇️

06/14/2026

Fresh paint, updated hardware, clean landscaping, and good lighting can completely transform how a home shows.

These are not major renovations, but they have a major impact on perception.

Buyers notice the details because they signal how well a home has been maintained.

Taking the time to prepare properly often leads to better offers and smoother transactions.