Deja Israel

Purchasing your first home is an exciting journey.

This checklist will provide perspective and help set expectations:
1. Get Pre-Approved: Secure mortgage pre-approval to know your budget and show sellers you’re serious.
2. Choose the Right Agent: I understand your needs and the local real estate market. I'll tailor a plan to ensure success with your real estate needs.
3. Define Your Priorities: List must-haves and nice-to-haves in your future home.
4. House Hunting: We'll attend open houses, explore neighborhoods, and I'll schedule viewings.
5. Make an Offer: Work with me to make a competitive offer based on market analysis.
6. Home Inspection: Conduct a thorough inspection to uncover any issues.
7. Understand Closing Costs: Budget for additional costs like appraisal fees, title insurance, and attorney fees.
8. Final Walkthrough: Ensure the property is in the agreed condition before closing.
9. Close the Deal: Review and sign all necessary documents to finalize the purchase.
10. Move In: Plan your move and settle into your new home.

Understanding these steps will make your home-buying experience smoother and more enjoyable. Let's discuss your real estate goals.

So glad to be back with my team, but this time, with so many more options to better serve my clients!

If you're thinking about purchasing or refinancing, I would LOVE to talk to you about your options and showcase the HUGE portfolio that NEXA offers!

📞 (816)507-1800
📧 [email protected]
📑 https://prod.lendingpad.com/axen-mortgage/pos #/?loid=60a58323-99a7-47cb-b1f1-5bd033576d30

Not only does MHDC offer interest rates as low as 6%, it also offers down payment assistance!

If owning a home in 2024 is your dream, I'd love to be a part of making that happen!

📞816-652-2420
✉️ [email protected]

Apply at: dsterling.usa-mortgage.com

So excited for my out of state borrowers on the purchase of their BEAUTIFUL new home in Kansas!

Congrats to our out of state buyers on the purchase of their property in KANSAS!! 🏡🔑 We hope you love your new HOME!
Are you thinking of purchasing a new home? Looking to refinance? Reach out to Deja! ⤵️
📲 816-652-2420
📩 [email protected]
🖥️ https//www.usamortgage.com/mortgage-loan-originator/deja-sterling

With the USAdvantage program, you are now able to submit a competetive offer as a cash buyer!

I would love to help you get pre-approved!

Deja Sterling
NMLS: 2018448
816-507-1800
[email protected]

You now have the ability to own your home on the day you close when you place a competitive all-cash offer through our 😎

Open House!

2722 Harrison St., Kansas City, MO

Come see us at this beautifully updated home nestled in the Longfellow area tonight, 12/2 from 4-6pm.

• 4 Bedrooms
• 4 Bathrooms
• 2 Car, Detached Garage
• Lots of modern updates mixed in with the charm of the 1900 Kansas City Architecture!

Listing courtesy of Sierra Dominiak & Andrea Wardell of Wardell & Holmes Real Estate

Let Flat Branch Pay Your Mortgage In honor of National Homeownership Month, we're giving away a monthly mortgage payment to 8 lucky winners!

Mortgage rates are still at an all time low which makes it a great time to buy! BUT, inventory is also at an all time low. Here are three things you can do as homebuyers to make sure you secure your dream home in this crazy market.

• Do your research! Partner with a Realtor who knows the area that you’re looking to purchase in well & is ready to put their negotiation skills to work for you.

• Move quickly! Houses are selling as quickly as they go on the market. If you want it, act fast!

• Put your best offer on the table! Most homes are selling for more than the listing price. Look for what this means for you as a buyer in my next post!

Ever heard your Mortgage Lender reference your DTI?

Well, here's what they mean:

Your DTI, or debt-to-income ratio, measures the percentage of your gross monthly income that goes towards paying off monthly debts reflected on your credit report. You can calculate this by dividing your total monthly debts by your gross monthly income. The lower your DTI, the less risk you pose to lenders when applying for a mortgage. As you being the mortgage process, talk to your lender about the DTI limits that are associated with the loan program that best fits you!

dsterling.usa-mortgage.com

If you're looking for ways to fund home renovations, have you considered refinancing?

DM me for more information or apply online at www.fbhl.com/dsterling

Did you know FHA loans allow down payments as small as 3.5 percent? This is great for first time homebuyers! Message [email protected] to discuss all of your financing options!

FHA Loan Down Payment Requirements - NerdWallet FHA loans allow down payments as low as 3.5%, depending on your credit score. Find out what it takes to qualify for the lowest FHA down payment.

It is so essential to the home buying process that you talk to a mortgage professional before you begin looking for a home. Not only do we help you understand what you can afford, but we also help educate and guide you through the process to ensure that you are confident in the financial decisions you are making.

If you are ready to begin the home buying process, I would love to help!

Apply at: Dsterling.USA-Mortgage.com

During a move, it can be hard to throw away personal belongings, here are a few tricks to make a little easier 😊

The Ultimate House Cleaning Guide In this ultimate cleaning guide, our team at House Method breaks down how to clear out clutter, organizational tips, and essential cleaning tasks to complete.

If you find yourself in this tricky situation, there are steps you can take to simplify the process!

How To Sell And Buy A House At The Same Time | Bankrate Here are five tips to help you sell and buy a house at the same time.

USDA loans are available to home buyers with low-to-average income for their area, offer 100% financing with reduced mortgage insurance premiums, and feature below-market mortgage rates!!

USDA Loans | USDA Loan Requirements & Rates for 2021 USDA loans allow zero down payment and have lenient requirements. Plus, USDA loan rates are below average. See if you qualify for a USDA mortgage.

As you are going through the homebuying process for the first time, there will be a lot of different options available for you.

A lot of the time, people find themselves having to decide between a fixed-rate and an adjustable-rate mortgage. Check out our explanation of the two and let me know if you have any questions!

Fixed-Rate vs. Adjustable-Rate Mortgage As you are going through the homebuying process for the first time, there will be a lot of different options available for you. A lot of the time, people find themselves having to decide between a fixed-rate and an adjustable-rate mortgage. A Fixed-Rate Mortgage is a fully amortizing mortgage loan w...

If you're hoping to gain more control over spending and begin working towards your financial goals, you need a budget 👇💲

Your 6-Step Guide to Making a Personal Budget Though making a budget may not be the most exciting activity, it is vital to keeping your finances in order. Follow these steps to budgeting success.

Preapproval is one of the most important steps in the homebuying process, in most cases, it’s even the first step! 👊

Preapproval: What It Is Preapproval is one of the most important steps in the homebuying process, in most cases, it’s even the first step. People who are interested in buying a house can often approach a mortgage lender, who will then check their credit history, verify their income, and then provide assurances they would...

If you haven't listed you're home before now, you haven't missed you're chance! But with each passing month, experts say you can expect the housing climate to shift a bit more in buyers' favor!

5 Big Reasons to Sell Your Home This Year (Because It Could Get Tougher) The housing climate is beginning to shift in buyers' favor. But there's still a chance to sell your home and cash in for top dollar—if you move quickly.

If you're looking to graduate from first-timer to repeat buyer, things are about to get a little trickier. Be prepared to buy and sell if you're in the market!

How to Buy and Sell a Home at the Same Time—Without Losing Your Mind For homeowners, buying a new home while selling your current one piles on additional stress. Here's how to juggle buying and selling at the same time.

Did you know you don't have to put 20% down to eliminate PMI? Message me to find out what your buyout options may be. I'm happy to help!

How To Ditch Mortgage PMI Payments | Bankrate Use these tactics to lower your monthly mortgage payment.

The mortgage process can be overwhelming! So even if you're not quite ready to get started, reach out and I would be happy to help get you on the right path!

www.realtor.com

We are proud to announce that our team has achieved over 100% growth in volume year to date compared to 2019 - WOW! Not only have we grown in loan volume production, look at all of these new faces. We're looking forward to an even better 2021!

I am so blessed to be a part of such an amazing team and can't wait to see what 2021 brings! 🥂

If you’re considering co-signing a mortgage - take a step back and consider whether this move makes sense! I would be happy to help you figure out if that would be the best thing or not for your situation!

5 Crucial Questions to Ask Before You Co-Sign a Mortgage If you’re considering co-signing a mortgage—say, to help your grown kids buy their first house—take a step back and weigh whether this move makes sense.