Diana Patty Bowers Perez

02/22/2025

**Getting Ready to Sell Your Home? Here’s What to Do:**

1. **Check All Systems** – Ensure your electrical, plumbing, HVAC, and other essential systems are well-maintained and in good working order.
2. **Prepare for Closing** – Gather maintenance manuals, garage door openers, keys, and any other important items for the new owner.
3. **Highlight Your Home’s Features** – Write a detailed description of your home, including upgrades and unique details that would appeal to buyers.
4. **HOA Documents** – If your home is in an HOA, find out how to order necessary documents, the cost, and the estimated processing time.
5. **Ask Your Realtor Key Questions** – Understand their communication process, how they present and vet offers, how they determine pricing, and how they guide you through inspections, appraisals, and closing.
6. **Plan for Your Move** – Make a checklist of accounts to update and services to cancel, including automatic mortgage payments if applicable.

Selling a home can be both exciting and emotional. Set yourself up for success by working with the right professionals—including your lender, even if you’re not applying for a new mortgage. They can help navigate any unexpected challenges along the way!

12/24/2022

Don’t miss your opportunity to own your dream home🏠. As a Real Estate Agent I will assist you through the process of buying or selling your property and will find a loan that fits your needs. Also, if you are a first time home 🏡 buyer there are great programs that could assist you with the down payment. Hablo español. I am here to help you! FREE consultation! VA, DC, MD
Send me a message 💕

08/05/2022

Market Factors That Affect Interest Rates
The biggest contributors to mortgage interest rates are the economy’s overall condition and trends in the financial markets.
How the Bond Market Impacts Rates

You might not be aware, but just like how stocks are traded as a means of investment, mortgages can be too. Investors can trade in home loans through mortgage bonds.
These bonds take shape as collections of loans with similar attributes, including the types of loans, down payment amounts, and borrowers’ credit scores. Investors can then purchase these bonds and earn a rate of return on their investment relative to the risk of that bond.
Investors choose which bonds they’ll buy into based on how much risk they’re comfortable with while also considering how much of a return on their investment they’re seeking.
This affects the interest rate you end up with on your personal home loan because you’ll fall into a particular group of loans, or mortgage bond. And if that group is of higher risk to investors, the interest rate you pay will likely be higher.
Beyond your personal credit profile playing a role here, there’s also the performance of the mortgage bond market compared to overall financial markets playing a role too. As more investors buy mortgage bonds, rates tend to go down, as investors aren’t having to be enticed to purchase them. If money is shifting to stock markets, though, rates usually rise to encourage investment in mortgage bonds.
How the Federal Reserve Can Influence Rates

The Federal Reserve has the task of creating and navigating US financial policy. Part of that responsibility is keeping inflation at bay, ensuring it doesn’t drastically increase or decrease, which creates major economic issues.
One of the tools the Fed uses to regulate inflation is the federal funds rate. This rate dictates how much banks must pay to borrow funds, which in turn impacts the interest rates banks offer to consumers for many types of loans.
At the start of the COVID-19 pandemic, the Fed dropped rates to 0% to help encourage economic activity at a time when consumers were in savings mode.
Today we’re on the other end of the spectrum. To counteract the high rate of inflation we’re currently experiencing, the Fed has raised the federal funds rate, which has contributed to the rise in mortgage interest rates.

06/17/2022

My best satisfaction is to serve my clients and help them to find their dream home 🏡

Congratulations Diana, Wilmer and family with your new home 🏡

If you want to buy or sell a house don’t hesitate to call me at 7034995684. I will provide you with my best service!

06/17/2022

Felicidades Filiberto y Marcela en la compra de su casa 🏠

Fue un placer servirles y ser parte de su sueño!

Si desean comprar , vender o rentar No dudes en llamarme. Resiviras el mejor servicio! 7034995684 Tu agente de confianza!

03/16/2022

I'm a realtor you can trust!

Proactive, Enthusiastic, Team player, Need to learn to delegate more often, etc.
MY MISSION: To provide information regarding buying, selling, and leasing to all prospective clients. To provide quality, fiduciary service in assisting all clients in all phases of Real Estate.
MY VISION: To be the "realtor of choice" for you, your family and friends.
MY VALUES: God, Family, Business
MY BELIEFS: Integrity, Commitment, Trust, Communication, and Success

06/18/2021

Don’t miss your opportunity to own your dream home🏠. As a Real Estate Agent I will assist you through the process of buying or selling your property and will find a loan that fits your needs. Also, if you are a first time home 🏡 buyer there are great programs that could assist you with the down payment. Don’t waste money by renting anymore. It’s time to own your property! I speak Spanish and English. Send me a message. I am here to help you! FREE consultation! VA, DC, MD

11/21/2020

SOLD! If you looking to buy or sell call me. You will have the best service! Or if you know someone who wants to buy or sell give them ny information. I will greatly appreciate it. MSG me!

A beautiful Townhouse for sale! 3bedrooms and 2 1/2 baths in a great location Woodbridge. Great price $231k Call me for details