Blog - Monica Varela

Home Buying Tips

What Is Mortgage Pre-Approval?

Mortgage pre-approval is a process where a lender reviews your financial situation—such as your income, a soft credit inquiry (which will not affect your credit score), and debt-to-income ratio—and gives you an estimate of how much you can borrow for a home loan. This is different from pre-qualification, which does not need to be done […]
Home Buying Tips, Home Selling Tips

Understanding Down Payments: A Guide for First-Time Homebuyer

Buying your first home is an exciting milestone, but it can also be overwhelming—especially when it comes to understanding down payments. This crucial step in the home buying process often raises a lot of questions: How much should I put down? What impact will it have on my mortgage? Are there any special programs for […]
Home Selling Tips

Top 4 Home Renovations with the Best Return on Inventment

With the Real Estate Spring Season around the corner, it’s time to start thinking about getting your home ready to list, if you’re considering selling. Here are the Top 4 Home Renovations with the Best Return on Investment Well-planned home renovations can really enhance your home’s appeal and amp up its price when it’s time […]
Home Buying Tips

Unlocking the Door to Homeownership: Here’s How I Did It Using My 401(k

With prices having gone up dramatically and rates no longer being at record lows, it’s difficult for first-time homebuyers to come up with the funds for the down payment, closing cost and be able to afford the monthly payments on the house they want. While ever situation is different and what works for some is […]

Home Buying Tips What Is Mortgage Pre-Approval? Mortgage pre-approval is a process where a lender reviews your financial situation—such as your income, a soft credit inquiry (which will not affect your credit score), and debt-to-income ratio—and gives you an estimate of how much you can borrow for a home loan. This is different from pre-qualification, which does not need to be done […]

Home Buying Tips Understanding Down Payments: A Guide for First-Time Homebuyer Buying your first home is an exciting milestone, but it can also be overwhelming—especially when it comes to understanding down payments. This crucial step in the home buying process often raises a lot of questions: How much should I put down? What impact will it have on my mortgage? Are there any special programs for […]

Home Selling Tips Top 4 Home Renovations with the Best Return on Inventment With the Real Estate Spring Season around the corner, it’s time to start thinking about getting your home ready to list, if you’re considering selling. Here are the Top 4 Home Renovations with the Best Return on Investment Well-planned home renovations can really enhance your home’s appeal and amp up its price when it’s time […]

Home Buying Tips Unlocking the Door to Homeownership: Here’s How I Did It Using My 401(k With prices having gone up dramatically and rates no longer being at record lows, it’s difficult for first-time homebuyers to come up with the funds for the down payment, closing cost and be able to afford the monthly payments on the house they want. While ever situation is different and what works for some is […]

Home Selling Tips Top 10 Questions Sellers Have When Considering Listing Their Home. Selling your home can be both exciting and complex. As you contemplate starting the process, it’s natural to have questions. To provide clarity and empower you on this path, I’ve compiled this Q & A. Whether you’re a first-time seller or have been through this before, these questions and their answers aim to offer insights into […]

Home Buying Tips Helping Vets achieve dream of home ownership Copy Our veterans sacrifice so much in service of our nation, and one way we can honor and thank them is to ensure they have the best information about the benefits of VA home loans. ⁠Below are some things to know about VA loans before starting the home buying process. If you are a veteran and […]

Home Buying Tips Is Buying a Fixer Upper the Right Choice for You? Buying a fixer-upper can be an exciting and rewarding adventure in homeownership. The allure of purchasing a property in need of some TLC and transforming it into your dream home or a profitable investment can be tempting. However, like any major decision, there are both advantages and disadvantages to consider. Here are the pros and […]

Home Selling Tips Halloween Home Safety Tips Tips on how to make sure kids are safe and sound when trick-or-treating at your home this Halloween. With over half of U.S. households celebrating* Halloween and 66 percent of them planning to participate in trick-or-treating, make sure kids are safe and sound when coming to your door. Here are some tips to make sure […]

Home Buying Tips Many I know, have moved to a 55+ adult living community! And are LOVING IT! From family members to best friends, many I know, have moved to a 55+ adult living community! And are LOVING IT! Some told me they made the change for the amenities. Others said it was the opportunity for social connection. While others wanted to downsize and experience single level living. Making the decision to move […]

Home Buying Tips Dating, Marriage and Divorce advice Have you been considering buying a house, but not sure if it’s the right time? I get it, renting does have its advantages, but have you ever heard the saying, “Divorce the rental, marry the home, date the rate”? It’s a phrase used by real estate agents to explain the benefits of homeownership. Here’s what’s […]

Home Buying Tips If you’re a 1st Time Home Buyer read this! Top 5 Myths First-Time Home Buyers need to be aware of: MYTH 1: YOU NEED A 20% DOWN PAYMENT. While a higher down payment may help you get better loan terms, there are many options available for first-time buyers. You can explore FHA loans or even put down as little as 3-5% on a conventional […]

Home Selling Tips Is this the right time? Have you been contemplating whether it’s the right time to sell your house? I understand your hesitation. Selling a property is a big decision. But here are some factors that can help you make an informed choice. We’re still in a seller’s market! Home prices have continued to climb due to limited inventory. In addition, […]

Home Buying Tips April is Fair Housing Month! National Fair Housing Month celebrates the passage of the Fair Housing Act, a national law that prohibits discrimination in the sale, rental, and financing of housing based on race, color, national origin, religion, and gender. The Fair Housing Act was signed into law in April 1968 and was later amended to include protections for people […]

Home Selling Tips Wallpaper is back! Today, wallpaper is being used in small spaces, such as powder rooms and mudrooms, or as a beautiful accent. Today’s wallpaper is much easier to apply and remove, so you can create a big impact without the hassle and which many types to choose from they can help you… Create Visual Interest With Texture Its […]

Home Buying Tips Helping Vets achieve dream of home ownership Our veterans sacrifice so much in service of our nation, and one way we can honor and thank them is to ensure they have the best information about the benefits of VA home loans. ⁠Below are some things to know about VA loans before starting the home buying process. If you are a veteran and […]

Home Buying Tips How Much Home Can You Afford? You’ve been dreaming day and night about it: Buying your first home. It’s a thrilling prospect for everyone, especially first-time homeowners. With countless properties available online at your fingertips, it’s easy to begin house hunting as soon as the idea strikes. But it’s critical to determine your budget as a homebuyer before you start shopping […]

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