P'Lar Pearson, Greater Houston & DFW Realtor

Praying you’re having a very, MERRY CHRISTMAS 🎄 and preparing for a blessed New Year!

This has been an amazing year. I’m so thankful for my 2022 client-family! We are looking forward to helping more people walk into their NEW HOME in 2023! 🏡

-P’Lar Pearson, REALTOR®, CSP

Want more information on the home buying process? Ready to get started on your home search? Looking to take advantage of my new home specials and exclusive seller’s marketing packages?

Click the link in my bio!

✨✨✨THANK YOU✨✨✨

To all of my colleagues, my clients, and for the support! I’ve been focusing on my clients in recent weeks (and not so much of social media 😩). However, I’m so excited to share some AMAZING news and client successes soon!

It’s a CRAZY market in Dallas and Houston...but my clients have entrusted me to do the work and contracts have been WON!

So, what are you waiting for? This market isn’t going to slow down...and I have successful strategies that can help you!

Are you considering purchasing a home, selling your home, or not sure where to start? Contact me for all of your real estate questions and needs:

P’Lar Pearson, CSP, REALTOR®
📱214-444-9202 (c)
📩 [email protected]
🌐www.plarpearson.com

I promised myself, that I would share more of my client WINS this year! These two clients are First-Time Buyers and joined my Homebuyer Program to get everything in order to become homeowners in #2021 ✨.

One is a beautiful custom NEW BUILD, where I was able to secure an ADDITIONAL $20K in incentives. The other is an inventory home and I was able to help my client save $30K off the list price 😱.

If homeownership is a goal for you, contact ME 🙋🏾‍♀️. I KNOW the markets I service. I KNOW how to negotiate deals, and I will help you get prepared for a sustainable purchase!

Let’s connect and talk about how I can be an all-in one Realtor with my:
🔑 Mortgage Prep Plan
🔑 Credit Restoration Partners
🔑 Preferred Lenders w/$0 Down Options
🔑 Homebuyer Incentive Program
🔑 Down Payment & Closing Cost Assistance Programs
🔑 Certified Homebuyer Education Courses

Let me help you reach your goal of owning a home this year! ✨

𝘾𝙖𝙡𝙡/𝙏𝙚𝙭𝙩/𝙀𝙢𝙖𝙞𝙡/𝘿𝙈 𝙈𝙚:
𝗣’𝗟𝗮𝗿 𝗣𝗲𝗮𝗿𝘀𝗼𝗻, 𝗖𝗦𝗣 | 𝗥𝗘𝗔𝗟𝗧𝗢𝗥®
📞 𝟮𝟭𝟰-𝟰𝟰𝟰-𝟵𝟮𝟬𝟮
📱 @𝗽𝗹𝗮𝗿𝗽𝗲𝗮𝗿𝘀𝗼𝗻
📩 𝗽𝗹𝗮𝗿@𝗽𝗹𝗮𝗿𝗽𝗲𝗮𝗿𝘀𝗼𝗻.𝗰𝗼𝗺
🌐𝘄𝘄𝘄.𝗽𝗹𝗮𝗿𝗽𝗲𝗮𝗿𝘀𝗼𝗻.𝗰𝗼𝗺

Welcome to 😃 This past week, in my Mortgage Prep Program, we discussed DTI. So, why is debt to income ratio so important?

If you are planning a large purchase that requires FINANCING (such as a home purchase), you need to be qualified by a lender. One metric that is used is the debt to income ratio.

𝗧𝗲𝗿𝗺𝘀 𝗬𝗼𝘂 𝗦𝗵𝗼𝘂𝗹𝗱 𝗞𝗻𝗼𝘄:
⭕️ Gross Monthly Income: Your gross monthly income is your income before taxes and any other deductions. It is not the amount that you receive on your paycheck (net income). Add up all of your income for a one year period (or use your annual salary) and divide that by twelve ( # of months in a year) to determine your gross monthly income average.

⭕️ Monthly Debts: Your debts include mortgage or rent, car payments, student loan payments, minimum payments on credit cards, and any other loan or installment payments reported to your consumer credit report. You do not need to include general living expenses such as utilities, food, gas, etc. in this calculation.

⭕️ Debt to Income Ratio (DTI): Debt to income ratio is the percentage of your gross monthly income that is allocated toward your monthly debt. Add up all of your monthly debts and divide that number by your gross monthly income. You will then have your DTI percentage.

𝗪𝗵𝗮𝘁 𝗦𝗵𝗼𝘂𝗹𝗱 𝗬𝗼𝘂𝗿 𝗗𝗲𝗯𝘁 𝗧𝗼 𝗜𝗻𝗰𝗼𝗺𝗲 𝗥𝗮𝘁𝗶𝗼 𝗕𝗲:
A lender likes to see a debt to income ratio that is 𝐥𝐞𝐬𝐬 𝐭𝐡𝐚𝐧 𝟑𝟔% 𝐚𝐧𝐝 𝐧𝐨 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟒𝟑%. They may accept one as high as 50%, but lower is always better. The lower your ratio, the less risk you are in the eyes of the lender.

, the lower your ratio, the more likely you are to actually be able to sustain homeownership. I don’t push clients into unaffordable situations. I truly want you to live within your means!

There are two ways to improve your DTI ratio:

✔️Earn more money
✔️Reduce your debt

Write down all of your loan balances. Pay off smaller debts first. Next, focus on adjusting payment terms to decrease your monthly payments. Ex: change student loan repayment plan to the lowest monthly payment.

Contact Me Today:
P’Lar Pearson, Realtor
📱214-444-9202
www.plarpearson.com

For many people, this holiday season looks a lot different than past years.

I’m praying for all of you who are spending your first holiday without loved ones...whether it’s due to COVID, grieving the loss of a family member, or simply selfless safe distancing...

My hope is that your heart is filled with unwavering peace, sudden joy, and the gift of divine grace on today! Take a rest, reset, and rejoice!

With Much Love,
𝓟’𝓛𝓪𝓻 ✨💝

I stand firm in ensuring I provide great service to my clients. It’s my heartfelt desire in business. I want clients to know what it feels like to have someone working in their corner, during such an important life moment, like purchasing or selling their home!

I’ll say this, if you choose a Realtor choose one that operates with integrity, they’re available to you, have industry expertise, well-knowledgeable on your preferred market, and personable.

I basically just described myself so just call me lol. 😉 My clients can attest that working with me is a great experience and I always fight for their best interest.

I’d love to help make YOUR home search or sell, a smooth transaction too! Even if you just have questions...I’m a simple text or call away...any time or day:

📱 214-444-9202
📩 [email protected]
🌐www.plarpearson.com

This is the PERFECT TIMEFRAME to pace those home improvement projects! Seriously, you know what needs to be done to make your home sparkle like it’s NEW (if not, text me and I’ll help you 😉).

Starting now will ensure you don’t break the bank or rush to get things properly quoted and repaired.

Prioritize, declutter, and GIVE AWAY clothes, decor, and items you simply do not want to carry into the next home. Lots of families are in need this year!

Let’s get your home 💵

📞 214-444-9202
📩 [email protected]
🌐www.plarpearson.com

✨L I V I N G | L U X U R Y ✨
Swipe to see a gorgeous, stately custom home built by Smith Family.

📫 4010 Meadow Lake Lane
💵 $3.125M
▪️5 bedrooms
▪️5 full baths & 2 half baths
▪️6,956 sq ft.
▪️Modern-European Design

🔑Key Feature: This amazing home is located in the prominent River Oaks-Oaks Estates of Houston, just a short walk to fine dining and shopping in Highland Village. This new home boast beautiful finishes throughout, with an amazing layout for family living and entertaining.

Contact me to get more information or to register for the upcoming open house.

📞 214-444-9202
📩 [email protected]
🌐www.plarpearson.com


Courtesy of Caroline Bean

So many people are struggling. Every time I begin to complain about the lack of normalcy...I read this list I typed (I made it my screensaver 😩).

My background is Biomedical Services and Sales. I know all too well how this pandemic is affecting people; both directly and indirectly. To live in a society amidst sickness, death and and financial hardship...yet STILL sell homes, help clients buy a home, and eat a hot meal in your own home is a BLESSING!

I am praying for those impacted. I’m also trying to do my part by volunteering to deliver food boxes and helping families make payment arrangements for necessary bills.

Are you personally doing anything to help those in need during this season?

In the season of giving...we are SO EXCITED to be able to offer you an AMAZING special!

Choose ME as your Realtor, sign your representation agreement, and close by March 30, 2021 and you’ll receive ONE of the following:

Nebraska Furniture Mart or Wayfair.com Gift Card

-OR-

FREE Local 2-Hour Move (includes a standard moving truck and 2 movers, within 40 Miles)

-OR-

Special Incentives & Savings on new home construction or inventory homes, with select home builders.

𝗛𝗢𝗪 𝗧𝗢 𝗥𝗘𝗚𝗜𝗦𝗧𝗘𝗥:

1) Go to: www.plarpearson.com/contact
2) Enter your full name and contact info
3) Type “BLACK FRIDAY” in the message box
4) Provide your approximate move date
5) Select a preferred contact method
6) I’ll reach out
7) BOOM! We get started on finding your NEW HOME or LISTING your current home!

I would like to take some time to just say THANK YOU to my Facebook friends & family. I truly appreciate ALL of your support, referrals, partnership, business, laughs, and most importantly, your trust!

Some of you have trusted me to take care of your real estate needs and it’s truly an honor to work for you and along side of you!

I pray you have a day filled with peace, grace and gratitude. Oh, and PLEASE be safe and stay masked-up today!
😩😂🔑

The common misconception I hear about Down Payment Assistance Programs (DPA) is that they are for low-income buyers only...that’s NOT true!

While most programs are targeted toward low-moderate income buyers, there are several programs available for buyers with good credit & above median income.

I mean, let’s be honest...a lot of us aren’t given a large 💸 financial inheritance. We have decent income, good credit, but those student loans and car payments 😩 can keep us from building enough savings. Well now...you don’t need a HUGE savings to own a home!

These programs are intended to close the wealth gap and help families that can afford average rent...easily turn that same monthly payment into homeownership!

𝗧𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 (𝟯) 𝘁𝘆𝗽𝗲𝘀 𝗼𝗳 𝗗𝗣𝗔 𝗣𝗿𝗼𝗴𝗿𝗮𝗺𝘀:

1️⃣ Grants (no lien or repayment).
2️⃣ Secondary Loans (no interest, but you pay it back over 3, 7, or 10 years).
3️⃣ 2nd Lien (must be in the home for 3+ years, otherwise you pay the amount back when you sell it).

Are you tired of renting? Nearly breaking your arms trying to carry groceries through the parking lot, and down the hall...or taking your dog down the hall, down the elevator, and across the street to the designated grass area 2+ times a day?! 😂

Want to start the new year in YOUR NEW HOME? You can sell in 3 years. I mean, you may have a decent down payment for the next home (or wedding money) after you sell 🤷🏾‍♀️.

What are you waiting for??? CALL ME! Let’s see which programs you qualify for.

📱214-444-9202 (call or text)
📩 [email protected]
🌐 www.plarpearson.com (link in bio)

As a former military wife, I know all too well the sacrifices our service members make. I am always excited to work with Veterans to make their homeownership goals a reality.

There are SO MANY grants and programs to help ease the home buying process for current and former military personnel!

🔑100% Financing Options
🔑 No PMI
🔑 Special discount pricing with certain builders
🔑 Exclusive Closing Cost Grants
🔑 Home Renovation Grants for Veterans

Are you active or former military and considering purchasing or selling your home? CONTACT ME for info on programs available to you! I’d be honored to help you through the process.

📞 214-444-9202
📩 [email protected]
🌐 www.plarpearson.com

A common mistake amongst homeowners, is over-doing renovation or decor projects. If you plan to sell within a few years, make sure renovations will appeal to a large group of buyers.

Doug Murray, with HGTV recently wrote an article on the Top 25 Mistakes homeowners make that actually devalue 📉 their home. These were just the top 5!

Remember, when you finance solar panels or a new pool, that mechanics lien STAYS WITH THE home! That means, a new owner must be willing and able to afford to pay a debt you attached to the home. That alone reduces the number of buyers you’ll appeal to.

Homeowners also get excited about making their home “their own”. There are ways to do that. If your home is an investment and you plan to move or you know you’ll 👨‍👩‍👧‍👦 outgrow it soon. Make less personalized choices. Use textiles and soft decor to bring your personality and color into the home.

Considering selling 🏡 your home soon and want to know more about projects that may decrease your home value? Feel free to reach out to me! I’d be happy to help you:

📞 214-444-9202
📩 [email protected]
🌐www.plarpearson.com

#

👀Want insider INCENTIVES on this BRAND NEW home?!! 🏡

What if I told you, I could help you save $50K on this Frisco, TX home? What if I told you the builder is also offering to credit you 6 months worth of mortgage payments on TOP of the savings? I mean, the community is beautiful with top-rated schools and tons of shopping and family fun close by!

💵 $486K
▪️4 bedrooms, 3 baths
▪️2,782 sq ft.
▪️2 living areas, 1 dining areas

🔑Key Feature: BRAND NEW, private study/home office, 2nd floor game room and family room (one could be a great area for homeschooling).

Contact me to get more information or take a private tour. The builder has other great markdowns across DFW! ☺️

📞 214-444-9202
📩 [email protected]
🌐www.plarpearson.com

Register on my website to find out about deals like this as SOON as they hit the market!

Wherever God has planted you, YOU WILL BLOOM! It doesn’t matter how over-saturated an industry or market is.

When God has called you to do something, you have to stand strong in that calling. It’s so easy to get discouraged when you aren’t seeing results quickly (trust ME, I’ve been there a few times 😩).

A client reminded me yesterday that they chose to work with me because of my knowledge and professionalism. They appreciated that I was patient and made the process fun! I shed a tear bc sometimes you have to be reminded that what you’re doing is making an impact.

So, if you’re passionate, personable consistent, and intentional...THEY WILL NOTICE! 💕💚💕

I LOVE helping people! I’m genuine with everything I give my time to. My prayer is that my heart to help, my attention to detail, and my success in sales and negotiating is always exemplified in the service my client’s receive.

Are you looking to sell or purchase a home? Do you know someone who may be considering selling or buying soon? Work with an agent (ME 🙋🏾‍♀️) who has years of experience, a heart to help, and assertiveness to get you results!

We work with first time buyers & seasoned buyers. Great credit or those in need of a little credit repair before they purchase.

Call or text me today:

📱214-444-9202
📩 [email protected]
🌐www.plarpearson.com

I’m available and easy to get in contact with! 🔑🏡

I VOTED today! How about you? Are you currently paying property taxes or plan to own a home within the next 5 years??? Well, you may want to consider voting too! 🗳

Early Voting for Texas began today. This election is not just a Presidential Election. There are several proposals on the ballot that determine how your property taxes will be used and if there should be property tax increases.

So, make sure you get out and VOTE! Help ensure voting is a quick and smooth experience for others by voting early. Also, I encourage you to mask-up and vote in person if you can!

One ☝🏾thing I’ve learned over the years is that if YOU don’t truly BELIEVE you can have it, most times you won’t put in the WORK to get it (or KEEP it). Anything worth having will require you to shift your habits, mindset, and efforts.

James 2:17 NKJV says that “Faith without works. Is dead”.

I’ve had several clients say “my credit isn’t the best so I don’t think I can buy anything”.

Or, “we really want to sell but we don’t have the extra money to make the necessary fixes before putting it on the market”.

GUESS WHAT?! 😱 That’s why you hire ME, a professional that has partnerships to get you what you need at minimal cost to you.

🔑We have consumer credit specialists & home repair specialists that can help you at reasonable rates.

🔑 Go into this next week MANIFESTING & MAKING all the things you want in this season come to fruition!

Thinking about purchasing a new home? Considering selling your current home? Let’s chat...call, text or private message me!
📱(214) 444-9202
📩 [email protected]

Whether you are a first-time buyer or seller, or you’re a seasoned homeowner...hire me, an expert real estate professional! Allow me to help you get the best deal.

DFW is currently a Seller’s Market! Homes are selling within HOURS 😱 of being listed by a licensed real estate agent. Multiple showings many times resulting in MULTIPLE OFFERS. This is where hiring an agent (me 🙋🏾‍♀️) comes in handy for you!

🔑I become the point of contact for all calls, questions, showings, and offers.

🔑I negotiate to get you the best deal. I help you navigate all presented offers and their contractual terms.

🔑I make sure your transaction is compliant with real estate commission regulations...

🔑I help get your home SOLD so you can move into your next home.

If you are considering selling, CALL ME! Do you want to know what you could sell your home for or just want to know what other homes are selling for in your neighborhood, CALL ME!

I’d love to offer you a free home valuation.

📱Call or Text: (214) 444-9202
📩Email: [email protected]

What do you like most about this BEAUTIFUL 😍 Houston home?!

Well, guess what?! 😱I’ve expanded my services to the Houston area!!! I was born here so it’s always been home for me! I know the market and have had the pleasure of helping clients with their REAL ESTATE DREAMS from afar.

Are you interested in buying a home, but you don’t know where to start? CONTACT ME!

📲 (214) 444-9202
📩 [email protected]

I’m at your service, DFW & Greater Houston area✨

✨It’s a NEW MONTH✨

A lesson 🔑 I’ve learned as an Entrepreneur:

In order to make room for MORE or NEW, you must also be willing to release and GIVE!

So, I encourage you to sow the seed of GIVING this month. Use your gifts, talents, resources, and connections to help open doors for someone else. Whatever that looks like to YOU, do it without expectation. Let’s practice making room for what’s to come.

What seeds are you sowing this month, in an effort to make room so that you may receive?

I’ve been giving FREE Homebuyer Education courses. FREE seller home valuations, FREE marketing consultations, FREE Down-Payment Assistance consultations, and FREE 1-on-1 trainings with fellow realtors who are looking to learn about down payment programs for their clients.

Click: BOOK NOW and schedule your FREE consultation with me! I have 4 openings available between tomorrow and Sunday.

P'Lar Pearson, Greater Houston & DFW Realtor Serving Greater Houston Area and Dallas-Fort Worth. Luxury Real Estate, Listing Services, First-Time Homebuyers, and New Build Inventory Homes.

Here are 5 for NEW owners. These are tips to consider before you move in.
•••
Every preowned home will have small tasks that will come up during inspection. Don’t get overwhelmed with the DIY list or your design ideas. Take your time and prioritize what needs to be done in order to live and function in the home. You’ll have plenty of time to do the rest. Enjoy your investment! ✨

LOCATION, LOCATION...LOCATION!!! This is the time to buy in this up and coming East Dallas neighborhood. NEW HOME just minutes to Downtown Dallas, Deep Ellum, Baylor Hospital, and Lower Greenville. Homes here are popping up, and SOON, so will the prices!

Contact me to schedule a tour! 📲

📫 2001 N Prairie Avenue, Unit #109
Dallas, Texas 75204
💵 $382K
▪️2 bedrooms, 2 full baths & 1 half bath
▪️1,397 sq ft.
▪️Modern 3 story townhome with attached 2 car garage.

🔑Key Feature: LOCATION! In a thriving Dallas area that’s full of new homes and young professionals. Walking distance to the restaurants and shops of Lower Greenville, including Trader Joe’s!

Listing Courtesy of Elizabeth Wisdom

It’s important to build your brand, but it’s equally important to build your credibility and professional integrity. Take this nugget into this coming week!

FEATURED LISTING!!! Brand new home in the final stages of construction. The builder is offering to cover your first 6 MONTHS of mortgage payments if you go under contract with their lender. Contact me to schedule to see this home in person 📲. This deal won’t last long!

📫 5104 Soren St, Irving, TX 75038
💵 $447,240
▪️3 bedrooms, 2 full + 2 half baths
▪️2,793 sq ft.
▪️3 living areas, 2 dining areas

🔑Key Features: This BRAND NEW home is just a short drive to DFW Airport, prime shopping, dining, and family activities on MacArthur in Irving. Has a family room, upstairs gameroom, and a theatre room. Suburban family living, but a quick 15 min drive to Downtown Dallas.


Listing Courtesy of Jagjit Singh