Shanté DeGruy Realtor

Let’s talk Real Estate 🏡

Interested? This beautiful home is available. Call me for more information.

✨ Always accepting new clients ✨

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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

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Charming 4-Bedroom Home with Inground Pool in Ridgecrest Subdivision. Discover your dream home nestled in the highly sought-after Ridgecrest subdivision! This stunning 4-bedroom, 2.5-bathroom residence offers an exquisite blend of comfort and luxury, great for entertainers. As you step inside, you’ll be greeted by a spacious living room, great for gatherings and relaxation. The heart of the home, the kitchen, features elegant granite countertops, providing both style and functionality. Enjoy meals in the formal dining room or transform the den/office space to suit your needs. The upstairs master suite is a true retreat, boasting his-and-hers sinks, walk-in closets, a stand-up shower, and a hydro tub—great for unwinding after a long day. Step outside to your private oasis, complete with a beautiful in-ground pool and spa. The large covered patio offers ample space for outdoor dining and lounging, making it an ideal spot for summer barbecues and evening relaxation. Additionally, the property includes a 2-car detached garage, providing ample storage and parking. Located on a secluded street in an X flood zone, this home ensures peace of mind and privacy. Don’t miss the opportunity to make this must-see property your own!

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

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🔑

Cheers to the first of May, where new doors open and others close, making room for fresh starts and exciting journeys ahead!

Today’s not just about dancing around the Maypole; it’s about spinning towards new opportunities in home selling. If you’re ready to pass the key to new memories, remember: every “Sold” sign is a seed for your next adventure.

So, here’s to making bold moves, embracing change, and saying “Yes!” to the next chapter on this beautiful May Day

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

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🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

NEW IMPROVED PRICE❗ Amazing investment opportunity awaits your new dream home! Large corner lot in the St Anthony neighborhood by the lake with quick access to countless surrounding amenities including schools, shopping, restaurants, parks, UNO, & the Lakefront Airport. So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

WELL MAINTAINED SPACIOUS 3 bed/ 2 bath home. Stove & Refrigerator Included, WASHER & DRYER HOOKUP. NO CARPET FOR EASY MAINTENANCE and CEILING FANS throughout home. QUICK ACCESS TO I-10. $40 Applicant Fee per applicant, apply online: link to apply online: https: https://www.rentapplication.net/apply/ev-slidell Must upload a valid government ID & proof of income for last 2 months. Call for a showing today!

Fall is in the air, and if you’re itching to give your home that cozy, pumpkin-spiced vibe, you’re in the right place! Let’s leaf-ify your home with some awesome Fall decor tips! 🍂 🍁✨

1️⃣ Pumpkin Power: A cute pumpkin (or five) on the porch or mantel instantly screams “Fall has arrived!” 🎃

2️⃣ Cozy Corner: Throw in some plaid blankets and fluffy pillows on your couch for maximum snuggle levels. 🛋️🍁

3️⃣ Candles Galore: Opt for fall-scented candles like cinnamon, apple, or, yes, even pumpkin spice. Your home will smell like an autumn wonderland! 🕯️

4️⃣ Table Vibes: A centerpiece with acorns, leaves, and mini pumpkins? Yes, please! 🌰🍂

Grab your scarves and your love for all things fall, and let’s make your home the autumnal palace of your dreams!
And don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

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🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

First Day of Fall

“🍂 Happy First Day of Fall, Homebuyers! 🎃🍁 As the leaves change colors, so do our home-buying aspirations. Embrace the cozy vibes and let the autumn breeze guide you towards your dream abode. 🏡✨

Just like the changing seasons, the real estate market offers new opportunities. Take advantage of the fall season to explore potential neighborhoods, cozy up to open houses, and sip pumpkin spice while envisioning yourself in that perfect home. 🎃☕️

So, let’s embrace the fall vibes and make this season a stepping stone towards your homeownership dreams. 🍂🏠💛

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

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🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

Unveiling the Future of Your Mortgage – What Occurs After Your Departure?



Have you ever wondered what happens to your mortgage when you embark on your eternal journey? It’s a question worth exploring.

🗝️🏠 Let’s shed light on the key points:

1️⃣ Loan Assumptions: Some mortgage loans allow for assumption, where a qualified individual can take over the existing loan and continue making payments.

2️⃣ Estate Planning: Including your mortgage in your estate planning is crucial. It ensures that your loved ones are aware of your mortgage obligations and can make informed decisions regarding the property.

3️⃣ Life Insurance Coverage: Having adequate life insurance coverage can provide financial protection for your loved ones to cover the mortgage balance in the event of your passing.

4️⃣ Probate Process: The mortgage and property may go through the probate process, where a court oversees the distribution of assets, including the mortgage, according to your will or state laws

Questions? I’m here to help you navigate these often unexplored waters. 🌊🔑

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

Shanté DeGruy, Licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

✨🏡 Mortgage Tip #1: Love your Credit Score, Don’t Hurt it!

Lenders pull your credit when you apply for a mortgage and again before you close. If your score changes drastically during that time (for the worse), you could lose your loan approval. Once pre-approved, try keeping your credit the same by not opening new accounts, missing payments, or racking up too much credit card debt.

So… If your score decides to play hide and seek (and not in a good way), you could wave bye-bye to your loan approval. 🙅‍♀️👋
So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

NEW IMPROVED PRICE❗ Amazing investment opportunity awaits your new dream home! Large corner lot in the St Anthony neighborhood by the lake with quick access to countless surrounding amenities including schools, shopping, restaurants, parks, UNO, & the Lakefront Airport. So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

Happy Friday!!!

Embrace challenges as stepping stones to growth, and setbacks as opportunities for comebacks. Remember, the path to success may be filled with twists and turns, but it is through perseverance that greatness is achieved.

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

House hunting? More like loan hunting! 🏡💸 Your perfect home deserves the perfect mortgage. Let’s talk about how understanding your loan options can get you closer to your homeownership goals. 🎯
So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
1️⃣ Conventional vs. Government-Backed: Know the difference, and which one fits your situation best! 🔍

2️⃣ Fixed vs. Adjustable Rates: Secure and steady, or low initial rates? Your choice should suit your long-term plan. 📈

3️⃣ Pre-Approval: Get this golden ticket to show sellers you’re serious – and ready. 🎫💪

Here’s to making informed decisions and turning those homeownership dreams into reality! 🥂🏡✨

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

Light up your Independence Day with the sparkle of a new set of house keys! 🎇🏠 Because nothing says ‘freedom’ like owning your dream home.

Let’s turn your American Dream into an American Reality this 4th of July!

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

Under Contract! 🎉🎉🎉

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

Alrighty folks, buckle up because I am taking a turbo-charged ride through the world of FHA loans – the pit stop for home buyers looking for a helping hand!

FHA, or Federal Housing Administration loans, are the secret sauce to boosting your buying power. They don’t give you the money, but they insure the loan, which makes your lender happier than a kid in a candy store.

Low Down Payments: Forget about saving up for years – with an FHA loan, you can put down as little as 3.5%! Now, that’s what I call a steal!
Flexible Credit Scores: Your credit score’s seen better days? No worries! FHA loans are like your supportive friend, approving scores as low as 500.
Caveats: But let’s not paint too rosy a picture. You’ll have to shell out for upfront and annual mortgage insurance premiums. Also, the FHA is picky about their homes being safe and secure, so if the property’s a fixer-upper, you may need to roll up your sleeves before moving in.
FHA loans might just be your golden ticket to homeownership. They’re especially perfect for first-time buyers and those with lower credit scores or smaller down payments. So, why wait? Step on the gas and zoom into the exciting world of FHA loans!

Remember, always keep your eyes on the road and drive safe in your home buying journey. Good luck, and enjoy the ride!

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell

When it comes to selling a home, timing can play a crucial role. According to real estate analytics, the most popular day to list a house is Thursday 📆🏡. It sounds like an odd choice, but here’s why:

✔️ Most buyers plan the houses they’ll see over the weekend.
✔️Fresh listings will catch their eye faster, and they’ll be more likely to want to see it right away to get ahead of the competition.

If you list your house near the end of the week, you’ll have a better chance of it being viewed and even possibly have multiple offers on it faster.

So don’t hesitate to slide into my DMs and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

Closing on a new home can feel like the grand finale of a thrilling rollercoaster ride! To make it a smooth and exciting experience, here are some key points to remember:

🔸 Be prepared to review and sign a stack of documents. Think of it as an autograph session for your new home!

🔸 Make sure you have a solid understanding of closing costs, and be ready to wire the funds ahead of time.

🔸 Don’t forget the final walk-through, it’s your chance to ensure everything is in tip-top shape before you get the keys

🔸 Bring your ID and your best penmanship, because it’s time to sign, seal, and celebrate your new home! 🥳🍾

Selling a home is a significant financial decision with numerous potential pitfalls that can adversely affect the outcome. In order to navigate the process effectively and achieve the best financial result, it’s crucial to avoid certain common mistakes.

✅ Ignoring Market Trends: Understanding the current real estate market in your area is crucial. Failure to acknowledge whether you’re in a buyer’s or seller’s market, or neglecting to consider trends like rising or falling prices, can lead to misplaced expectations and potential financial losses.

✅ Underestimating Selling Costs: Many sellers underestimate the costs associated with selling a home, which can include agent commissions, closing costs, and potential tax implications. By not factoring in these expenses, you risk undermining your financial goals.

✅ Insufficient Marketing: Failing to market your property effectively can result in fewer potential buyers seeing your listing. Today’s buyers often start their search online, so professional photos, a compelling property description, and an online presence are critical.

✅ Being Too Emotional: Selling a home can be an emotional process, but letting your emotions dictate your decisions can lead to financial mistakes. Whether it’s refusing to negotiate on price or making hasty decisions, an emotional approach can be detrimental

Recognizing and avoiding these pitfalls can help ensure a more successful and financially sound home selling experience.

So don’t hesitate to slide into my DM and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨
?
🔑
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Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operate

Embarking on the home-buying journey can feel like an adventure. But without careful planning, it can lead to financial pitfalls. Here are the three key areas to watch out for:

🗝Ignoring Your Budget:
Don’t overshoot your budget. Stick to it to avoid financial strain and ensure a stress-free homeownership experience.

🗝Skipping the Home Inspection:
Home inspections are critical for spotting hidden issues. Avoid future repair bills by investing in a thorough inspection.

🗝Neglecting Additional Costs:
Remember, there’s more to the cost of a home than the purchase price. Consider closing costs, property taxes, home insurance, and maintenance to keep your budget balanced

Smart home buying is about more than finding the perfect property. It’s about making informed financial decisions, respecting your budget, ensuring the property’s good condition, and considering all additional costs. Happy house hunting!

So don’t hesitate to slide into my DM and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

Deciding to commit to a home loan is a monumental financial decision, one that requires careful consideration and due diligence. Here are some tips to ensure you’re adequately prepared before you sign the dotted line:

🗝 Understand Your Budget: It’s essential to have a clear understanding of your monthly income, expenses, and your overall financial health. Your monthly mortgage payment should comfortably fit within your budget without jeopardizing your ability to meet other financial obligations.

🗝 Check Your Credit Score: Your credit score will significantly influence the interest rate on your loan. Before applying for a mortgage, check your credit report for any errors and take steps to improve your score, if needed.

🗝 Get Pre-Approved: A pre-approval gives you a realistic idea of how much you can borrow and demonstrates to sellers that you’re a serious buyer. However, remember that pre-approval isn’t a guarantee of final approval.

🗝 Consider the Additional Costs: The mortgage isn’t the only cost involved in home ownership. Remember to factor in property taxes, insurance, HOA fees, and maintenance costs when determining your budget.

🗝 Understand the Loan Terms: Fully understand the terms of the loan, including the type of loan, the interest rate, whether the rate is fixed or adjustable, the term of the loan, and whether there are any penalties for early payment.

🗝Emergency Savings: It’s crucial to maintain an emergency fund. Unexpected expenses or changes in your financial situation can arise, and having a safety net can ensure you can still meet your mortgage payments.

Before you sign the dotted line and commit to a home loan, make sure you are thoroughly prepared and understand the long-term implications. Buying a home is not only a lifestyle decision but also a significant financial commitment that requires strategic planning and careful thought.
DM and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

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🔑

f you’re looking to make some home improvements and increase your home’s resale value, you’ll want to pay close attention to the kitchen, bathroom, and living room. These spaces are the heart and soul of any home and can make a big impact on its value.

🔸In the kitchen, a minor remodel can bring in a whopping 72% return on investment. So go ahead and update those cabinets, countertops, and appliances – your wallet (and potential buyers) will thank you.

🔸In the bathroom, a universal design overhaul can bring in a tidy 70.6% ROI. From a stylish new shower to a sleek vanity, these updates can make a big splash.

🔸 Don’t forget about the living room! A simple update can bring in a solid 66% ROI. From a fresh coat of paint to new lighting and furniture, there are plenty of ways to make this space shine.

So go ahead and make those home improvements – they’ll pay off in more ways than one!

So don’t hesitate to slide into my DM and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

🏡 Can homes sell in ANY economic climate? Spoiler alert: Yes, they can! And the secret sauce? A perfect blend of clever pricing and a dash of marketing wizardry!

Whether it’s economic summer or winter, your home can still be the belle of the real estate ball! 😎💃 And remember, it’s not about waiting for the storm to pass, but about learning to sell in the rain!

So let’s weather any economy together and turn that ‘For Sale’ sign into a ‘Sold’ one! 🏷️🚀

So don’t hesitate to slide into my DM and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

🏡💰 Dust off your piggy banks and prepare for a magic carpet ride to homeownership! I am unlocking the vault to one epic secret that’ll turbo-boost your down payment faster than you can say “dream home”

🔸 Garage Sale Extravaganza: You know all that stuff in your attic, basement, or garage that you haven’t touched in years? Yeah, those could be potential goldmines! It’s time to channel your inner Marie Kondo and say goodbye to items that no longer “spark joy.” Host a killer garage sale or sell items online on platforms like eBay, Facebook Marketplace, or Craigslist. Not only will your house feel refreshingly decluttered, but your wallet will feel delightfully heavier too!

So don’t hesitate to slide into my DM and let’s get started! 📩

Let’s talk Real Estate 🏡

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

✨ ✨ Amazing investment opportunity awaits your new dream home! Large corner lot in the St Anthony neighborhood by the lake with quick access to countless surrounding amenities including schools, shopping, restaurants, parks, UNO, & the Lakefront Airport.

✨Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458

Happy Memorial Day, friends! 🇺🇸 As we take time to honor and remember the brave men and women who have made the ultimate sacrifice for our country, let’s also take a moment to reflect on the freedoms and opportunities we have as Americans. For many of us, that includes the opportunity to achieve the dream of homeownership.

Let’s talk Real Estate 🏡 🍁🍂

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

Regular home maintenance isn’t all fun and games – but it’s something you should do on a monthly and quarterly basis to extend the life of your home and save yourself money.

Here’s the May Checklist:

✴️ Trim trees, bushes & shrubs
✴️ Fertilize lawn
✴️ Clean window screens
✴️ Oil garage door tracks

If you are looking to Sell or Buy .. I am your "Go TO" Advisor 🔑

Let’s talk Real Estate 🏡 🍁🍂

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

Oh, the joys of selling your home! But hold up, before we get too excited, there are a few pesky factors that could make your home a tough sell. Let’s dive into the deets:

🗝 Maintenance or structural issues can leave a house sitting on the market
🗝 Outdated decor can be a deal-breaker
🗝 A home that’s cluttered is going to be far more difficult to sell
🗝 Uncooperative sellers can be a deal-breaker too

So remember…A home can be a tough sell when it has maintenance issues, outdated decor, and clutter. Plus, uncooperative sellers can be a major deal-breaker too! So let’s keep our homes groovy and ready to boogie with buyers! 🕺💃🏠

Let’s talk Real Estate 🏡 🍁🍂

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated

Ah, the age-old question: is my credit good enough to buy a home? Well, my friend, the answer is…it depends!

Your credit score is just one piece of the puzzle when it comes to buying a home, but it’s an important one. So, let’s dive into some key factors that lenders consider when determining whether you’re a good candidate for a home loan.

☑️ Credit score: Generally, a credit score of 620 or higher is considered “good” when it comes to buying a home.

☑️ Debt-to-income ratio: Lenders will also look at your debt-to-income ratio, which is the amount of debt you have compared to your income. A lower ratio is generally more favorable to lenders.

☑️ Employment history: Lenders want to see that you have a stable employment history, as this can indicate that you’ll be able to make your mortgage payments on time.

☑️ Down payment: While a good credit score is important, a larger down payment can also help offset any potential credit issues.

So…While your credit score is important, it’s just one piece of the puzzle. if you’re not quite there yet, don’t worry! Work on improving your debt-to-income ratio and maintaining stable employment, and you’ll be well on your way to achieving your dream of homeownership. 🏡💰💪.

If you are looking to Sell or Buy .. I am your "Go TO" Advisor 🔑

Let’s talk Real Estate 🏡 🍁🍂

✨ Always accepting new clients ✨

?
🔑
————————————————
Shanté DeGruy, licensed in Louisiana
Engel and Voelkers-Slidell
820 Oak Harbor Blvd
985-646-2111 Office
504-250-6370 Cell
Slidell, La 70458
Each Office is Independently Owned and Operated