Debbie Gramlich - Sales Manager

🕴️🥃 Elevate Your Evening at Davio's with our Suits & Scotch Event! 🥂✨
Indulge in an evening of sophistication and style at Davio's, where impeccable suits meet the smooth allure of fine Scotch. Join us for a night of refined tastes, exclusive pairings and an ambiance that redefines luxury. 🌃👔
📅 Date: March 19th
🕖 Time: 5:30pm - 7:30pm
👔 Dress to Impress:
This isn't just an event; it's a celebration of elegance. Don your finest suits and step into a world where every detail, from the decor to the drinks, reflects the essence of refined taste. Our event partners J.Hilburn Personal Stylists. will be debuting their latest spring collection. J.Hilburn offers a full-service, personalized experience across all categories of a man’s wardrobe!👓
🥃 Scotch Tasting Experience:
Savor the rich complexity of premium Scotches including Balvenie 12 Year Old DoubleWood,Balvenie 14 Year Old Caribbean Cask, Glenfiddich 12 Year Old and Glenfiddich 15 Year Old Solera Reserve. Our expert pours guide you through an exclusive tasting journey🥃🌟
🍽️ Gourmet Pairings:
Complement your Scotch experience with gourmet appetizer delights crafted by our talented culinary team🍴🎶
🎟️ Limited Availability:
Reserve your spot for this exclusive Suits and Scotch event at Davio's. A night of indulgence, style, and unparalleled tastes awaits. Tickets are $65 per guest, secure yours now https://davios.com/thecolony/events/suits-and-scotch 🌟🎫
🌙👨‍💼

Grandscape Texas DALLAS Modern Luxury Local Profile Frisco Chamber of Commerce The Colony Chatter The Colony Chamber of Commerce Visit The Colony PaperCity Dallas Eater Dallas Frisco Style Magazine

Purchase Tickets - https://davios.com/thecolony/events/suits-and-scotch

Debbie Gramlich - Sales Manager Throughout my career, spanning over 20 years, I have dedicated myself to the dynamic and vibrant world of hospitality. With a diverse range of experience, my expertise lies in managing casual dining restaurants and orchestrating event sales in fine dining.

The Colony Chamber of Commerce LEAD's Networking Event 2023 this morning!
We all had 30 seconds to promote our business.

Stop by at Davio's Northern Italian Steakhouse in Grandscape and try our New Summer Pasta - Ricotta with Pea, Lemon Tortelloni, and Cacio e Pepe!

Northern Italian Steakhouse
5762 Grandscape Blvd
The Colony, TX 75056
469-772-4810

The Colony Chamber of Commerce Breakfast. This morning each member of The Colony Chamber of Commerce had 20 seconds to present and talk about their businesses.

Wonderful turnout at the Women in Business Luncheon at The Colony Chamber. We came together to support and celebrate women in business, fostering an environment where our talents and contribution are valued and recognized.
Denise Castille second left Author of I Don't Want to Die today and her lovely mom.
Bottom photo - Mary C. Garcia, Commander - Commissioned an officer in the United States Air Force in 1979 through Officer's Training School.
Attended Aircraft Maintenance Officer's school, graduating April, 1980.

✨While many may think that the current state of the real estate market is similar to what was experienced in the years leading up to the housing crisis of ‘08 - the data tells a much different story. Contact me at 972-786-6058 if you’d like to start the journey to homeownership!

✨Stunning home in the much desired Parkview Hills! This floorplan is excellent for any family, with an open concept for kitchen, den, and living room, and split bedrooms from primary. There is enough room in your kitchen for every gadget.

This smile right here, says everything. God is showing up in my life in so many ways and I'm truly grateful.🙏🏼

Americans are more aware than ever of the effects climate change and natural disasters can have on their homes. According to a report from realtor.com, “More than 3 in 4 recent buyers, 78%, took [natural disasters] into account when choosing the locations of their homes, . . .” The study also found that many existing homeowners (34%) have already considered selling their house and moving to a new location because of the changing climate.

As a homeowner, it’s impossible to control what types of weather events your home is exposed to. As Maiclaire Bolton Smith, Senior Leader of Research and Content Strategy for CoreLogic, says, “You can’t necessarily remove the location from around you, but there are things you can do to mitigate damage that can happen.”

The first step is understanding how to navigate your home sale and...


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Are You a Homeowner Thinking About Climate Change? Americans are more aware than ever of the effects climate change and natural disasters can have on their homes. According to a report from realtor.com:

You may have heard that it’s important to get pre-approved for a mortgage at the beginning of the homebuying process, but what does that really mean, and why is it so important?

Pre-approval from a lender is the only way to know your true price range and how much money you can borrow for your loan. Just as important, being able to present a pre-approval letter shows sellers you’re a qualified buyer, something that can really help you land your dream home in an ultra-competitive market.

According to the National Association of Realtors (NAR), homes today are receiving an average of 3.8 offers for sellers to consider. As a result, bidding wars are still common. When a seller knows you’re qualified to buy the home, you’re in a better position to potentially win the bidding war.

Freddie Mac explains:

“By having a pre-approval letter from...


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Why Pre-Approval Is Key for Homebuyers in 2022 You may have heard that it’s important to get pre-approved for a mortgage at the beginning of the homebuying process, but what does that really mean, and why is it so important? Especially in today’s market, with rising home prices and high buyer competition, it’s crucial to have a pre-approva...

According to a Gallup poll, real estate has been rated the best long-term investment for eight years in a row. Real estate tops the list because you’re not just buying a place to call home – you’re investing in your future. Real estate is typically considered a stable and secure asset that can grow in value over time. DM me today if you’re ready to make real estate your best investment this year.


Message me if you'd like to talk about buying or selling a home!

Americans Choose Real Estate as the Best Investment Some Highlights According to a Gallup poll, real estate has been rated the best long-term investment for eight years in a row. Real estate tops the list because you’re not just buying a place to call home – you’re investing in your future. Real estate is typically considered a stable and secur...

Last week, the average 30-year fixed mortgage rate from Freddie Mac jumped from 3.22% to 3.45%. That’s the highest point it’s been in almost two years. If you’re thinking about buying a home, this news may have come as a bit of a shock. But the truth is, it wasn’t entirely unexpected. Here’s a look at the projections from Freddie Mac for this year:

>>Q1 2022: 3.4%
>>Q2 2022: 3.5%
>>Q3 2022: 3.6%
>>Q4 2022: 3.7%

As the numbers show, this jump in rates is in line with the expectations from Freddie Mac. And what they also indicate is that mortgage rates are projected to continue climbing throughout the year. But what does that really mean for you?

As rates increase even modestly, they impact your monthly mortgage payment and overall affordability. If you’re looking to buy a home, rising mortgage rates should be an incentive to act...


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With Mortgage Rates Climbing, Now’s the Time To Act Last week, the average 30-year fixed mortgage rate from Freddie Mac jumped from 3.22% to 3.45%. That’s the highest point it’s been in almost two years. If you’re thinking about buying a home, this news may have come as a bit of a shock. But the truth is, it wasn’t entirely unexpected. Expert...

With a trusted real estate advisor at your side, you can begin your journey toward homeownership by answering the questions below.

>>Where Do I Start?
The process of buying a home is not one to enter into lightly. You need to decide on key things like how long you plan on living in an area, how much space you need, what kind of commute works for you, and how much you can spend. Then, when you decide you’re ready to buy, you’ll need to apply for a mortgage.

>>How Do I Save Enough for a Down Payment?
According to Business Insider, automatic savings can bring you one step closer to achieving your target down payment. Before you know it, you’ll have enough for a down payment if you’re disciplined and thoughtful about your process. And the best part is, you may need to save less for your down payment than you think. Your agent and...


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Achieving the Dream of Homeownership Homeownership has long been considered the American Dream, and it’s one every American should feel confident and powerful pursuing. But owning a home is also a deeply personal dream. Our home provides us with safety and security, and it’s a place where we can grow and flourish.

If you’re trying to decide when to list your house, the time is now. There are plenty of buyers eagerly waiting for your home to hit the market. The latest data indicates home showings are rising. There are more buyers than homes for sale right now. That means you’ll likely receive multiple offers, and your home won’t be on the market long. Today’s market favors sellers. If you’re ready to move, let’s connect to discuss the benefits you can expect when you sell this season.


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When Is the Right Time To Sell Some Highlights If you’re trying to decide when to list your house, the time is now. There are plenty of buyers eagerly waiting for your home to hit the market. The latest data indicates home showings are rising. There are more buyers than homes for sale right now. That means you’ll likely recei...

If your goal is to purchase a home this year, you might be looking for any advantage you can get in today’s sellers’ market. While competition is still fierce for homebuyers, there are ways you can win and secure the home of your dreams, even in a hot market.

>>Act Early and Save
The earlier you act this year, the more affordable your purchase will be. That’s because experts project mortgage rates and home prices will rise as we move deeper into 2022. That means the longer you wait, the more it will cost you to buy a home. Instead, act early and purchase your home before rates and prices rise further. Not to mention, the sooner you buy, the sooner you can experience the benefits of continued home price appreciation yourself. Once you have your home, you’ll be able to watch its value rise, giving you confidence that your investment is a...


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Two Ways Homebuyers Can Win in Today’s Market If your goal is to purchase a home this year, you might be looking for any advantage you can get in today’s sellers’ market. While competition is still fierce for homebuyers, there are ways you can win and secure the home of your dreams, even in a hot market.

If you’re on the fence about selling your house this year, there’s good news. For nearly two years, real estate professionals have worked tirelessly to ensure the safety of buyers and sellers during the pandemic. Today, they’re seasoned experts, not just in the art of buying and selling homes, but also in how to keep you safe throughout the process. Real estate professionals have learned new technologies plus safety and sanitation measures. As new variants emerge, those lessons continue to be key ways agents add value.

Agents don’t leave your health up to chance. They follow guidance from the CDC and NAR to ensure in-person showings are safe. NAR maintains industry-specific resources to ensure agents are informed on the latest recommendations and best practices. Guidance from the CDC also equips real estate professionals with the know-how to...


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Real Estate Professionals Are Experts at Keeping You Safe When You Sell If you’re on the fence about whether or not you want to sell your house this year, there’s good news. For nearly two years, real estate professionals have worked tirelessly to ensure the safety of buyers and sellers during the pandemic.

If you’re looking to buy a home, you may want to put these items on your to-do list to ensure you hit your goals. It’s important to start working on your credit and saving for a down payment early. When you’re ready to begin your search, work with a real estate professional and get pre-approved so you know how much you can borrow. DM me so you have the guidance you need to achieve your homebuying goals this year.


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How To Hit Your Homebuying Goals This Year Some Highlights If you’re looking to buy a home, you may want to put these items on your to-do list to ensure you hit your goals. It’s important to start working on your credit and saving for a down payment early. When you’re ready to begin your search, work with a real estate professional and...

Here are five reasons to list your house now rather than waiting until the spring.

>>Buyers Are Looking Right Now, and They’re Ready To Purchase
The latest ShowingTime Showing Index reveals that buyers are still very active in the market. Also, at this time of year, only those purchasers who are serious about buying a home will be in the market.

>>Other Sellers Plan To List Earlier This Year
The law of supply and demand tells us that, if you want the best price possible and to negotiate your ideal contract terms, put your house on the market when there’s strong demand and less competition.

>>Newly Constructed Homes Will Be Your Competition in the Spring
In 2020, there were over 979,000 new single-family housing units authorized by building permits. Many of those homes have yet to be built because of labor shortages and supply chain...


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Why Waiting To Sell Your House Could Cost You a Small Fortune Many homeowners who plan to sell in 2022 may think the wise thing to do is to wait for the spring buying market since historically about 40 percent of home sales occur between April and July. However, this year’s expected to be much different than the norm. Here are five reasons to list your house...

Do you know how much you actually need for your down payment? If you think you have to put 20% down, you may have set your goal based on a common misconception. Freddie Mac says, “The most damaging down payment myth—since it stops the homebuying process before it can start—is the belief that 20% is necessary.”

Unless specified by your loan type or lender, it’s typically not required to put 20% down. According to the Profile of Home Buyers and Sellers from the National Association of Realtors (NAR), the median down payment hasn’t been over 20% since 2005. It may sound surprising, but today, that number is only 13%. And it’s even lower for first-time homebuyers, whose median down payment is only 7%.

While a down payment of 20% or more does have benefits, the typical buyer is putting far less down. That’s good news for you because it...


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How Much Do You Need for Your Down Payment? As you set out on your homebuying journey, you likely have a plan in place, and you’re working on saving for your purchase. But do you know how much you actually need for your down payment?

Wishing you all the best and looking forward to working with you on your real estate goals in 2022. Happy New Year!
#2022

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Here's to a Wonderful 2022!

As we move into 2022, both buyers and sellers are wondering, what’s next? Will there be more homes available to buy? Will prices keep climbing? How high will mortgage rates go? For the answer to those questions and more, we turn to the experts. Here’s a look at what they say we can expect in 2022.

Odeta Kushi, Deputy Chief Economist, First American:
“Consensus forecasts put rates at about 3.7% by the end of next year. So, that's still historically low, but certainly higher than they are today.”

Danielle Hale, Chief Economist, realtor.com:
“Affordability will increasingly be a challenge as interest rates and prices rise, but remote work may expand search areas and enable younger buyers to find their first homes sooner than they might have otherwise. And with more than 45 million millennials within the prime first-time buying ages of 26-35...


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Expert Insights on the 2022 Housing Market As we move into 2022, both buyers and sellers are wondering, what’s next? Will there be more homes available to buy? Will prices keep climbing? How high will mortgage rates go? For the answer to those questions and more, we turn to the experts. Here’s a look at what they say we can expect in 202...

Here’s a list of things you shouldn’t do after applying for a mortgage. They’re all important to know – or simply just good reminders – for the process.

>>Don’t Deposit Cash into Your Bank Accounts Before Speaking with Your Bank or Lender.

Lenders need to source your money, and cash isn’t easily traceable. Before you deposit any amount of cash into your accounts, discuss the proper way to document your transactions with your loan officer.

>>Don’t Make Any Large Purchases Like a New Car or Furniture for Your Home.

People with new debt have higher debt-to-income ratios. Since higher ratios make for riskier loans, qualified borrowers may end up no longer qualifying for their mortgage.

>>Don’t Co-Sign Other Loans for Anyone.

When you co-sign, you’re obligated. With that obligation comes higher debt-to-income ratios as well. Even if...


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Key Things To Avoid After Applying for a Mortgage Once you’ve found your dream home and applied for a mortgage, there are some key things to keep in mind before you close. It’s exciting to start thinking about moving in and decorating your new place, but before you make any large purchases, move your money around, or make any major life changes...

Thank you for all of your support


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Thank You for All of Your Support

Here are four reasons why putting 20% down may be a great option if it works within your budget.

>>Your Interest Rate May Be Lower
A 20% down payment vs. a 3-5% down payment shows your lender you’re more financially stable and not a large credit risk. The more confident your lender is in your credit score and your ability to pay your loan, the lower the mortgage interest rate they’ll likely be willing to give you.

>>You’ll End Up Paying Less for Your Home
The larger your down payment, the smaller your loan amount will be for your mortgage. Because you’ll avoid as much accrued interest, this will end up costing you less over the lifetime of your home loan.

>>Your Offer Will Stand Out in a Competitive Market
In a market where many buyers are competing for the same home, sellers often like to see offers come in with 20% or larger down payments...


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The Perks of Putting 20% Down on a Home If you’re thinking of buying a home, you’re probably wondering what you need to save for your down payment. Is it 20% of the loan, or could you put down less? While there are lower down payment programs available that allow qualified buyers to put down as little as 3.5%, it’s important to unde...

To succeed as a buyer in today’s market, it’s important to understand which market trends will have the greatest impact on your home search. Danielle Hale, Chief Economist at realtor.com, says there are two factors every buyer should keep their eyes on:

“Going forward, the conditions buyers face are primarily dependent on two things: mortgage rates and housing supply.”

As a buyer, your interest rate directly impacts how much you’ll pay on your monthly mortgage when you purchase a home. Mortgage rates are expected to climb next year. But they’re still low when you compare to where they were just a few years ago. That presents today’s buyers with some motivation to lock in a low mortgage rate before they climb higher.

The other market condition buyers need to monitor is the number of homes available for sale today. The latest Existing...


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Homebuyers: Be Ready To Act This Winter To succeed as a buyer in today’s market, it’s important to understand which market trends will have the greatest impact on your home search. Danielle Hale, Chief Economist at realtor.com, says there are two factors every buyer should keep their eyes on:

What does the coming year hold for the housing market? Here’s what experts project for 2022. Mortgage rates are projected to rise and so are home prices. Experts are forecasting buyer demand will remain strong as people try to capitalize on rates and prices before they climb, creating another strong year for home sales. Let’s connect so you can make your best move in the new year.


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2022 Housing Market Forecast Some Highlights What does the coming year hold for the housing market? Here’s what experts project for 2022. Mortgage rates are projected to rise and so are home prices. Experts are forecasting buyer demand will remain strong as people try to capitalize on rates and prices before they climb, creat...

If you’re thinking of buying a home in today’s housing market, you may be wondering how strong your investment will be. The good news is, according to the experts, home prices are not projected to decline. Here’s why.

With buyers still outweighing sellers, home prices are forecast to continue climbing in 2022, just at a slower or more moderate pace. It’s the simple law of supply and demand. When there are fewer items on the market than there are buyers, the competition for that item makes prices naturally rise.

And while the number of homes for sale today is expected to improve with more sellers getting ready to list their houses this winter, we’re certainly not out of the inventory woods yet. Thus, the projections show continued appreciation, but at a more moderate rate than what we’ve seen over the past year.

Brad Hunter of Hunter...


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What Everyone Wants To Know: Will Home Prices Decline in 2022? If you’re thinking of buying a home in today’s housing market, you may be wondering how strong your investment will be. You might be asking yourself: if I buy a home now, will it lose value? Or will it continue to appreciate going forward? The good news is, according to the experts, home prices ...

As we wrap up the fall season and move into the winter months, here’s a look at what several industry leaders have to say about the continued momentum in the current market, and what it means as we head into the early part of next year.

Lawrence Yun, Chief Economist, National Association of Realtors (NAR)
“This solid buying is a testament to demand still being relatively high, as it is occurring during a time when inventory is still markedly low. The notable gain in October assures that total existing-home sales in 2021 will exceed 6 million, which will shape up to be the best performance in 15 years.”

Odeta Kushi, Deputy Chief Economist, First American
“So far in November, purchase applications point to another strong month in sales. Still low rates and demographic demand support this strength, even as affordability and inventory headwinds...


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If You Think the Housing Market Will Slow This Winter, Think Again. From the opportunity to take advantage of today’s low mortgage rates to changing homeowner needs, Americans have more motivation than ever to buy a home. According to the experts, buyers are making moves right now, creating an unseasonably strong housing market for this time of year.