Randi Blymiller - XRE Realty

08/22/2026

08/17/2026

🏡 Mortgage Monday: What Does "Cash to Close" Mean?

You've got an accepted offer — congrats! 🎉 But do you know exactly how much cash you'll need at the closing table? Let's break it down.

What is cash to close? It's the total amount of money you'll need to bring on closing day to finalize your home purchase — and it's not just the down payment!

What's typically included: 💰 Down Payment — The upfront portion of the purchase price 📋 Closing Costs — Lender fees, title, escrow, appraisal, and more 🏠 Prepaids & Escrows — Property taxes, homeowners insurance, interest 📉 Points (optional) — Buying down your interest rate ➖ Credits (subtract) — Seller concessions & earnest money already paid

How to prepare: ✅ Ask your lender for a Loan Estimate — it lists your estimated cash to close in black and white ✅ Review it carefully — the final figure should be close to the estimate ✅ Your earnest money deposit is typically credited toward this amount ✅ Keep funds in a verified bank account — lenders need to see where the cash comes from

The bottom line: Knowing your estimated cash to close before you get to closing means no surprises on the big day. Your lender's Loan Estimate is your best friend here! 🎉

Not sure what your cash to close looks like? Let's chat — I can connect you with a trusted lender who'll walk you through it.

📞 (330) 284-1260 ✉️ [email protected] 🌐 xrerealty.net

08/16/2026

My calendar today 🤩😭

08/16/2026

Being called "aggressive" by an opposing agent AND a client on the same day is basically a badge of honor. Friendly on the outside, absolute shark for my clients on the inside—that’s the energy you want at the negotiating table! Buying or selling in Northeast Ohio? Call me 😉

08/15/2026

🏡 From bump in the road to keys in hand! 🔑✨

It wasn't the smoothest start — our first contract hit some snags, and it would've been easy to get discouraged. But this buyer didn't give up, and neither did I. We regrouped, kept searching, and found the perfect home for him. 🏠💛

Here's to new beginnings! 🥂

Thinking about buying? Whether it's your first home or your next one, I'd love to help you find the right fit — bumps and all, we'll get you there. ✨

📞 (330) 284-1260 ✉️ [email protected] 🌐 xrerealty.net

08/12/2026

Currently writing 2 offers and another soon, also preparing for a new listing 🥰 SO excited! And I LOVE my buyers I'm working with SO much.

08/10/2026

🏡 Mortgage Monday: What's a USDA Loan?
Dreaming of homeownership but worried about the down payment? A USDA loan might be your ticket! 💡
What is a USDA loan? It's a zero-down-payment mortgage backed by the U.S. Department of Agriculture — designed to help buyers purchase homes in eligible rural and suburban areas.
Why buyers love USDA loans:

Feature- USDA Loan
Down Payment- 0% down!
Credit Score- Flexible — typically 640+
Interest Rates- Often lower than conventional
Gift Funds- Allowed for closing costs
Eligibility - Must be in a USDA-eligible area
Things to know:
The home must be in an eligible rural/suburban area (check USDA's eligibility map)
You must occupy the home as your primary residence
Income limits apply based on your area and household size
USDA charges an upfront + annual guarantee fee (instead of PMI)
Bottom line: If you qualify and the home is in an eligible area, a USDA loan lets you buy with zero down — a huge advantage for first-time and rural buyers! 🎉
Not sure if you qualify? Let's chat — I can connect you with a trusted lender who'll walk you through your options.
📞 (330) 284-1260 ✉️ [email protected]
🌐 xrerealty.net

08/06/2026

Best & Cutest little spot in the Magnolia area💕 I got some zucchini spears, potato skins, and some pasta. I didn’t have enough room for the ice cream but I’ve had it in the past and it’s THE BEST😍