LaToya Tolbert-Watson -Realtor

🎃 Happy Halloween! 👻 Selling your home doesn’t have to be a nightmare… unless you’re trying to do it without an expert! Skip the spooky surprises, and let me help you sell your home without the tricks, just the treats! 🍬🏡

Here’s why it’s an ideal moment for buyers ⬇️

If you ask me when to time the market, my answer is always: “You can’t!” But right now is as close to perfect as it gets.

🔹 The Fed has recently announced rate cuts, which means mortgage rates are trending downward and could continue to drop in the coming months.

🔹 The average 30-year fixed mortgage rate is currently around [6%-7% ], down from recent highs, making now a great opportunity for buyers.

🔹 Home prices in California haven’t yet started spiking as they usually do when rates fall—this window won’t be open for long…

🏡 Pro tip: Buy now at today’s prices and lock in a lower rate before house prices start to rise, potentially saving you thousands over the life of your loan as more rate cuts take effect!

Not sure where to start? Comment the word GUIDE and I’ll take it from here 😉

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Ever heard of restrictive covenants? 🏡They’re the rules written into your property deed that tell you things like:

✔️ What color you can paint your house
✔️ If you can run a home business
✔️ Pet ownership restrictions

These are common in HOA communities. The goal? Keep the neighborhood looking sharp. But, they also limit your freedom as a homeowner.

If you’re considering buying a home in [ your town ], make sure to review these covenants. Violating them could lead to fines or even legal action!

Would these rules change your mind about a home purchase?

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Did you buy your home when interest rates were at a sweet 2-3%? That’s awesome! 👏 But it doesn’t mean you’re stuck forever!

If your current home no longer fits your needs, don’t let fear of higher interest rates hold you back.

Here are some ideas:

✔️ If you’re in a good financial position, consider turning your current home into a rental or Airbnb. This way, you keep your low rate, have tenants or guests pay down your mortgage, and can buy a new home that suits your current lifestyle better.

✔️ You might qualify for a better interest rate than you think! Options include using a 2:1 buydown, buying new construction with offered low rates, or qualifying for special programs or loan types.

PRO TIP: Explore bridge loans so you can close on a new home while your current one sells. Want to know what’s available? DM me!

✔️ Target Relocation Buyers:

Market your home to people relocating from areas with higher real estate costs, as they may find your home more affordable even with higher rates.

Considering selling soon? Smart planning starts now. Comment “SELL” below, and I’ll send you an invite to a FREE Zoom consultation where you’ll learn how to navigate current market challenges and avoid costly mistakes!

Mortgage rates are dropping! 📉 So, how would you take advantage of this opportunity?

A) Buy my first home – Time to finally become a homeowner!

B) Upgrade to a larger home – Need more space for the family or lifestyle?

C) Refinance my current mortgage – Lower rates, lower payments!

D) Invest in a rental property – Thinking of flipping houses or turning a single-family home into a rental?

E) Wait to see if rates drop further – Holding out for an even better deal?

Drop your letter in the comments and let’s see what your next move would be! 👇

Feeling like every home search ends in frustration? Trust me, we’ve all been there. Here’s what I’d do to turn things around:

✔️ Broaden your search criteria! Don’t be afraid to explore nearby neighborhoods or homes just above your budget—you might find sellers willing to negotiate.

✔️ Work with a savvy real estate agent ( Hello 👋 ). I have insider info on listings before they even hit the market.

✔️ Adjust your must-haves. Maybe compromising on yard size or cosmetic features will lead you to the perfect home that checks most of your boxes.

✔️ Use social media and networking. Share your home search with your network—sometimes, word of mouth leads to off-market gems.

✔️ Look for off-market deals. Connect with agents or even send direct mail to homeowners in your dream area.

✔️ Be ready to act quickly! Get pre-approved so you can move fast when the right house comes along.

✔️ Expand to alternative property types like condos or townhomes. You’d be surprised how much value you can find in these options!

✔️ Set up custom alerts with real estate apps so you’re always ahead of the game.

Remember…Things are shifting, and more homes are hitting the market, giving you even more options to explore. Plus, with rates dropping, the market is starting to balance out! Your perfect home is out there, and now might just be the perfect time to find it.

Ready to take the leap into homeownership? Comment “READY” and let’s start this exciting journey together!

POV: When you overhear your neighbors planning to sell their house… and the new realtor in you can’t help but get excited! 😄🏡

What’s the most challenging part of buying a home for you? Let’s chat about it!

(A) Saving for a down payment – It’s tough to save up, especially with everything else life throws at us!

(B) Finding the right property – There are so many options out there, but which one feels like home?

(C) Affording the monthly payments – Budgeting can be a challenge, and those monthly payments add up!

(D) Competing with other buyers – The market is competitive, and it feels like a race sometimes!

Drop your answers below and let’s see how we can tackle these together!





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Selling your home and faced with multiple offers? It’s crucial to understand different types of financing to make the best decision. Here’s a quick guide:

✔️ Conventional Loans 💵: These are the go-to for buyers with good credit and a solid down payment. They’re reliable but might take a bit longer to close compared to cash offers.

✔️ FHA Loans 🏠: Ideal for first-time buyers or those with lower credit scores. They’re backed by the government but come with strict appraisal rules, which can sometimes complicate things.

✔️ VA Loans 🎖️: For veterans and their families, offering zero down payment. They require a VA appraisal, which can be more detailed and rigorous.

✔️ Cash Offers 💰: The dream for any seller! They close quickly with fewer contingencies, making them a safer bet if you’re looking to sell fast and avoid potential financing hiccups.

✔️ Contingent Offers 🔄: These depend on the buyer selling their current home first. While they can work out, they carry more risk and uncertainty.

Understanding these financing types helps you choose the best offer, balancing speed, reliability, and the buyer’s ability to close the deal.

Hey, ladies! Thinking about buying your first home solo? It’s not just a milestone; it’s a move towards financial independence and stability. Here’s what you need to know to make it a reality:

🏡 Special Programs Just for You:

NACA: This non-profit helps with mortgages that require no down payment and no closing costs. Plus, they offer below-market rates and support throughout the buying process.

Women’s Homeownership Initiatives: Some local non-profits provide special assistance just for women.

FHA Loans: Ideal for first-timers with lower credit scores, thanks to manageable down payments.

VA Loans: For the brave women who’ve served, these loans require no down payment and offer great terms.

🏡 Creative Down Payment Ideas:

Get a sugar daddy ( J/K 😁)

Crowdfunding: Use platforms like GoFundMe to rally support from your network.

Co-Buying: Team up with a friend or family member to split costs.

Rent-to-Own: A part of your rent can go towards owning the home.

Employer Assistance & More: Explore if your job offers home-buying help or look into other local grants.

Reminder: DO NOT take candy from strangers and DO NOT take real estate advice from your uncle who bought a house once in the 80’s! 😂 Leave the house hunting to the pros 👋! 🏡👀

TODAY’S REMINDER

The biggest misconception I hear is, “I need a huge down payment.” But what if I told you there are programs with low or no down payment options? What if you could combine resources with a friend, family member, or partner? Homeownership is within reach, and you don’t have to do it alone.

Let’s explore all your options together.

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Buying real estate is like dating! 💕 You start by swiping through online listings, checking if the pics match reality.

Then comes the financial commitment and the all-important physical inspection. You hope your parents approve and don’t spoil the fun. Finally, you decide if it’s time to take it to the next level and say ‘I do’ to your dream home!

If I was in the market for a new home, these 5 questions would be my go-to!

Touring homes soon? 🏡 Don’t just look around—ask the right questions to make the best decision!

Here are 5 essential questions you need to ask:

When are offers due? Timing is everything. Knowing the deadline helps you prepare and submit your offer on time.

Why is the owner selling the property? Understanding the seller’s motivation can give you insight into potential negotiation opportunities.

Were changes made to the original design? It’s crucial to know if there have been any modifications or renovations and if they were done correctly.

How many offers have you had so far? This helps gauge the level of competition and how aggressively you should bid.

Does the property have any issues? Be sure to ask about any known problems with the home so you aren’t caught off guard later.

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Concerned about current events affecting your homebuying plans? Ignore the media frenzy and keep your eyes on your long-term goals.

First the Pandemic – We braved it, and the market evolved.

Then Soaring Home Prices – Despite the surge, buyers and sellers adapted.

Then Crash Rumors – Despite speculations, the market stayed strong.

Then Interest Rate Hikes – Rates shifted, but smart planning prevailed.

Now the Election – Elections come and go, but your home is a lasting investment.

Ready to take the leap into homeownership? Comment “READY” and let’s start this exciting journey together! Not quite ready yet, but thinking about buying soon? Smart planning starts now. Comment “GUIDE” and I’ll send you an invite to a FREE Zoom consultation where you’ll learn how to navigate the current market challenges and discover how to avoid costly mistakes!

Happy Labor Day, everyone! Today, we celebrate hard work, relaxation, and dreaming big. You know what else takes some serious effort? Finding your perfect home! 🏠

So, as you kick back and enjoy the holiday, let’s toast to all the house hunters out there, tirelessly searching for that dream home.

Whether you’re grilling with friends or lounging by the pool, let the dream of homeownership inspire you.

Cheers to the dreamers, the doers, and everyone hustling towards their happily-ever-home! 💛

Celebrate Labor Day with a New Start

Happy Labor Day, everyone! Today, we celebrate hard work, relaxation, and dreaming big. You know what else takes some serious effort? Finding your perfect home! 🏠

So, as you kick back and enjoy the holiday, let’s toast to all the house hunters out there, tirelessly searching for that dream home.

Whether you’re grilling with friends or lounging by the pool, let the dream of homeownership inspire you.

Cheers to the dreamers, the doers, and everyone hustling towards their happily-ever-home! 💛

Reminder: DO NOT take candy from strangers and DO NOT take real estate advice from your uncle who bought a house once in the 80’s! 😂 Leave the house hunting to the pros that’s me 👋! 🏡👀

6 Crucial Steps To Take Before Buying a House 👇

Research closing costs in your area

Closing costs range from 1-6% of the purchase price and vary by location. These are additional to your down payment. DM me for a list of average closing costs in your area!

Save for Your Down Payment
First-time buyers need a minimum of 3%, with an average of 7%. Decide on your down payment and set a limit on your monthly mortgage payment. Use online calculators (like Bankrate’s) to see how different down payments affect your monthly payment.

Open a High Yield Savings Account (HYSA)

Like a regular savings account but with better interest. Online financial platforms like Revolut offer 4.24% APY, and Robinhood offers 5% APY, just by having your money sit there. You can withdraw anytime you want! Aim to save 3-6 months of expenses for emergencies. This extra cash can make a big difference!

Research State Grants
First-time buyer grants and assistance are usually provided by the state or city. Google “Homebuying programs +your state ” or check out HUD’s website for a list.

Check Your Credit Utilization
Calculate your credit utilization ratio and aim for below 30%, with 10% or lower being ideal. Also, review your credit report on the official annualcreditreport.com

Learn the Homebuying Process
Educate yourself as much as possible since you’re making a huge investment. Your real estate agent should provide you with a comprehensive homebuying guide

–> Comment “HELP” & I’ll send you an invite to a free Zoom consultation where you’ll learn how to navigate home buying in this market & avoid costly mistakes!

Interest rates got you down? Let me share Sarah and Mike’s story, because I know it sounds tough out there. Just a few months ago, they were in the same boat, feeling overwhelmed by high interest rates.

Here’s how they managed to turn things around:

✔️ First, they discovered Shared Equity Agreements. By partnering with an investor, they reduced their loan amount and monthly payments without adding to their debt. It was a game-changer.

✔️ Next, they considered co-buying. Sarah’s brother chipped in, and together they were able to split the costs, making the dream of homeownership a reality.

✔️ Sarah and Mike also took advantage of Government Programs, securing an FHA loan with lower interest rates and down payment requirements.

✔️ Down Payment Assistance programs were another lifesaver, providing grants to help with their down payment and closing costs.

✔️ They didn’t overlook First-Time Homebuyer Programs either, which provided financial assistance and educational resources to navigate the process.

✔️ To further ease the financial burden, they decided to try House Hacking. They bought a multi-unit property, lived in one unit, and rented out the others. The rental income helped cover their mortgage payments.

✔️ Lastly, they got creative with Crowdfunding for Homebuying. Platforms like GoFundMe helped them raise funds for their down payment, thanks to the generosity of friends and family.

With a bit of creativity and persistence, high interest rates don’t have to be a deal-breaker.

Follow → your daily real estate tips!

Summer’s here and it’s time to show your home some love! ☀️ Here’s your July to-do list, with a twist of fun:

✅ Service Your HVAC System: Keep your cool—literally! Because no one likes a meltdown, especially your AC.

✅ Clean and Inspect Outdoor Furniture: Time to prep those patio vibes! Give your outdoor furniture a spa day and check for any wobbles.

✅ Power Wash Exterior: Give your house a summer glow-up! Power wash away the grime and reveal its true beauty.

✅ Prune Trees and Shrubs: Give your garden a haircut! Trim those trees and bushes for a fresh and fabulous look.

✅ Test Sump Pump: Don’t let summer storms rain on your parade. Make sure your sump pump is ready to rumble.

Let’s keep our homes sparkling and storm-ready this summer! Which task are you tackling first?

These 3 home renovations won’t raise your property value



Ever wondered if your home renovations are actually adding value? Not all upgrades are the golden ticket to a higher resale price! Some common improvements might look great but can actually lower your home’s worth or fail to give you a good return.

If I were renovating my home, here’s what I’d steer clear of:

🔸Converting Bedrooms to Closets: Reducing the bedroom count can actually decrease your home’s value.

🔸 Adding a Sunroom: Costly addition with little impact on resale value.

🔸 Replacing Bathtubs with Showers: Keep at least one bathtub to maintain broader appeal.

🔸 High-End Kitchen Appliances: They don’t significantly increase home value.

🔸 New Front Door: Repainting your existing door is more cost-effective and impactful.

🔸 Wall-to-Wall Carpeting: Hardwood floors are much more desirable to buyers.

So before you start renovating, consult with me first to ensure you get the best return on your investment!

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3 Things You Must Triple-Check Before you clinch your dream home deal

Thinking of making an offer on your dream home? Don’t just focus on the earnest money deposit! The earnest money contract is just as crucial. Here’s why:

1️⃣ Deposit Amount: This figure shows your commitment and could influence the seller’s confidence in your offer. A reasonable deposit typically ranges from 1% to 2% of the purchase price, but sometimes more can make your offer stand out!

2️⃣ Contingencies: These are your safety nets. From home inspections and financing to the appraisal of the property, each contingency allows you to back out with your deposit intact if things don’t pan out as expected.

3️⃣ Deadlines: Know your timelines! Whether it’s the home inspection period or the final settlement date, staying aware of these deadlines ensures you navigate the buying process like a pro.

Always triple-check your earnest money contract to safeguard your deposit and secure your future home.

Ready to dive into the home buying process? Comment the word “Start” below and let me know your biggest concern when making an offer!

If I was selling my home today, this is exactly what I’d do to add up to 10% to its value 👇

🔸 I’d stage my home because staged homes sell for 5-23% above their list price. That’s a huge boost!

🔸 I’d focus on staging the living room, master bedroom, and kitchen. These are the rooms that really impress buyers.

🔸 Did you know that professionally staged homes spend 73% less time on the market? Time is money, folks!

🔸 I would Help Buyers Visualize: With 86% of potential buyers finding it easier to visualize a property when it’s staged, I’d definitely stage to help them see the home’s full potential.

🔸 Home staging can provide an 8-10% return on investment. It’s one of the best ways to get a bang for your buck!

🔸 FYI: Professional staging can cost between $2,300 and $3,200. If that’s too much, I’d go for virtual staging as a budget-friendly option.

🔸 With 95% of buyers starting their search online, high-quality staging and listing photos are essential to make a great first impression.

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……

Happy 4th of July! Ready to make some fireworks of your own? The market’s sizzling, and now’s the perfect time to sell! 🇺🇸 Let your home be the star of the show, and who knows? You might just find your own sparkly new castle.

Make your move now, and celebrate the freedom to start a new chapter with a golden return!