Catherine Reyes, Realtor

November is the last month of autumn, but the beginning of a new adventure. time to take risks and do the unexpected. Remember…Never let the things you want make you forget the things you have!

Should you sell or renovate?

If you are stuck between upgrading your home or moving on, be sure to ask yourself:

✔️ What are my desires?
✔️ Do I like my current location?
✔️ What is my budget?
✔️ Is it a good time to sell?
✔️ Am I able to move right now?

Be sure to weigh all your options and consider the external market factors. If you need some expert advice, feel free to reach out!

Hello October! Who’s ready to see some gourd-geous homes!?

The fall season has officially arrived and I could not be happier! Crisp weather, warm colors, and everything pumpkin spice…what could be better?

Cheers to a new month and all the new opportunities it will bring! Will this be the month that you seal the deal on your dream home?

What does your dream home look like and what do you need to do to make that dream a reality? Let me help you so you can soon be saying yes to the address!

🚨New Townhomes located in Davenport,Fl🚨

✅$379,990
✅NO CDD, Low Fees
✅Closing Costs paid up to $15,000
✅Quartz included

Anticipated completion date: Nov 2022

Interested in living here? Shoot me a DM, call or text for a private tour. Homes are selling fast!!

📲631-922-1116
📧[email protected]

You know what this means….it’s almost time to say goodbye to summer and hello to the season of foliage and pumpkin spice lattes!

Until then, use today to practice a little self-care and self-love!

I love the feeling a new month brings along with it — New goals, new opportunities, and perhaps a new home?

Whether you’re at the dreaming stage or ready to buy, I’m here to walk you through the process and answer your questions. Let’s chat!

As a first-time homebuyer, you probably have a lot of questions circling your mind.
Don’t obsess with trying to time the market and figure out when is the best time to buy. Trying to anticipate the housing market is impossible. The best time to buy is when you find your perfect house and you can afford it.
Remember you don’t need to make a 20 percent downpayment to buy a home!!
So, if you try to wait for the perfect time, you’re probably going to miss out. Message me and I will help you get started on your house hunting journey 🏠🏡

Let Monday bring nothing but positive vibes and great memories. Remember…. No matter how you feel, get up, dress up, show up and never give up!

🚨NEW LISTING ALERT🚨

🛏 3
🛁 2
📐1616 sqft

End of quiet street
approximately 1/3 of a acre.
NO HOA

Plenty of room to park your boat or motorhome.

Easy access to the famous beaches of Daytona!!🌊🏝🏖

Call/Text 631-922-1116 for a private tour!!

Is owning a home one of your goals? I bet you're closer than you think! ✨ Reaching the halfway point in the year is a good marker to take stock and assess if you are where you had planned to be. Have you saved enough money for a down payment? Have you written down what the most important things you want in your home are?

For me I purchased a home when my goals aligned and I feel grateful to have bought a home when I did.

It’ll work for you, too!

🚨NEW LISTING ALERT🚨

🏡Single Family Residence🏡
$269,900
🛌3 Bedrooms
🛁2 Bathrooms
📐1572 SqFt
Home Build completed November 2021

Community Center, shopping, schools all located in Marion Oaks!

Call/Text 📲 631-922-1116 for a private showing

You’re likely familiar with your credit score and how that impacts your ability to take out a loan, but do you know how it’s calculated or what factors are taken into account when calculating it?

Hint: it’s not just about making your credit card payments on time.

Here are 5 factors that affect your credit score, and how much of an impact each one makes.

🔸 Your payment history
(Think payments made on time versus late, paying your credit card bill in full each cycle) This contributes to 35% of your credit score

🔸 Amounts owed
(Wow much of your available credit you’ve used) This makes up 30% of your credit score

🔸 Length of credit history
(How long you’ve been building your credit; the longer, the better) This factors into 15% of your credit score

🔸 Your credit mix
(The different types of credit; credit cards, auto loan, etc.)This is 10% of your credit score

🔸 New credit
(Think opening up a new credit card; this can essentially lower the average length of your credit history but can also be more of a positive thing in the long run) This accounts for 10% of your credit score

For more tips, hit like, save, and follow!

🚨PRICE DROP🚨
💰$639,900 for this beautiful 4 🛏, 3🛁, 2919📐
CALL OR TEXT 📲 631-922-1116 to schedule a private showing!

🚨NEW LISTING ALERT🚨

Check out this cute 3bed/2bath house located in Edgewater listed at $299,900
Contact me today for a private showing!!
📲631-922-1116

The Three Things to consider when purchasing a vacation home:

🔸 Have a budget you know you can afford.
🔸 Know where you want to be.
🔸 Make sure the type of vacation home you’re buying suits your lifestyle.

Ultimately, purchasing a vacation home may be a good investment, however, you still want to weigh the pros and cons to avoid any pitfalls.

DM me/text- let’s chat
📲631-922-1116

floridaliving

If you’ve gone through a bankruptcy or are considering filing for one to get rid of debt you owe, you may be wondering if it impacts your ability to buy a home.

The answer? Yes, it impacts how you’re viewed by lenders because of the significant negative impact it has on your credit score, but that doesn’t mean that you won’t be able to buy a home.

It certainly creates more of a challenge and barrier to qualify, but if you follow the process correctly and exercise patience, you’ll be well on your way to being a homeowner!

Here’s what you need:

1. If you filed for a Chapter 7 and are choosing a…

Conventional loan:

✅ Complete a 2 to 4-year waiting period
✅ Minimum 620 credit score
✅ 3% minimum down payment

FHA loan:

✅ Complete a 1 to 2-year waiting period
✅ Minimum 580 credit score
✅ 3.5% minimum down payment

VA loan:

✅ Complete a 1 to 2-year waiting period
✅ No minimum credit score (though many lenders require a 620 score)
✅ No minimum down payment required

USDA loan:

✅ Complete a 2 to 3-year waiting period
✅ No minimum credit score (though many lenders require a 640 score)
✅ No minimum down payment required

Have questions? DM me and let’s chat!

The home buying process is already stressful as it is, especially in today’s market. The best thing you can do for yourself — whether you’re buying or selling, is to trust both your realtor and the process. Your realtor has your best interest in mind and will never knowingly steer you in the wrong direction.

Looking for your perfect match? Reach out and let’s see if we’re a good fit!

Happy Independence Day!

“Freedom is nothing but a chance to be better.”

🚨NEW LISTING ALERT🚨

Take a look at this Clermont 2 story home that just hit the market!!!!

🛏4bed
🛁2.5bath
📐2919sqft

Low HOA dues!!

This home has plenty of space for a BIG FAMILY or someone who loves having guests over.

It is conveniently located just minutes away from Hwy 27, Hwy 50 & the Turnpike, making your commute a breeze!

Walking distance to the hospital, medical centers, restaurants, shopping centers & a few minute drive to retail shopping at Clermont Landing.

Schedule your showing today! This home won’t last long!🔥🔥

CALL/TEXT/DM
631-922-1116

Better Days are Coming This Month! They’re called closing day & move-in day 😉 Wishing you a very happy & successful July!

Check out this 4 bedroom/3 bath plus 2 car garage home located in Davenport Florida.

Open/Spacious floor plan, great for entertainment. So many great amenities including golf, community pool, tennis, clubhouse with bar and restaurant and so much more!

Call/Text/DM for a Private Showing 📲 631-922-1116

Beautiful home located in Davenport Florida!!! 🏠🏡

This property has been on the market just one day and will not last!!🔥🔥

🛏4bed/🛁2bath,
📐2047Sqft of living space, Low HOA, All at $429,900

This home is located in the Providence Golf and County Club.

Amazingly tranquil setting to enjoy nature, drink a cup of coffee or entertain friends and family or simply meditate with an unobstructed pond view.

Call/email/text/DM

📲 407-305-4490
📧[email protected]

With the current state of the economy and the housing market, it can be easy to justify renting. But at the end of the day, what is your rent payment going towards (and what could it be going towards instead)?

Ditch the landlord, you’ll thank me later.

So you’re ready to sell your house?

No matter what crazy stuff is going on in the world, selling your house is ALWAYS a big deal. You’ve made countless memories there, and you’ve spent time, money and effort making it your safe space. Just remember, if selling is the right thing for you and your family, it’s worth it!

Your new house is an opportunity to make even more memories.