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02/11/2021
To set yourself up for a smooth and successful home purchase, getting pre-approved is perhaps the most productive first step you can take. It strengthens your buying credibility and speeds up the closing process. Generally, your credit score will be the leading factor for pre-approval qualification. Here are a few key items to consider when applying for a loan:
1. Credit Score- Your credit score is determined based on your past payment history and borrowing behavior
2. Your debt-to-income (DTI) ratio- this is the amount of debt you have relative to income
3. Down Payment- Lenders typically want you to put money down on a home so you have some equity in the house. This protects the lender because the lender wants to recoup all the funds they've loaned you if you don't pay.
4. Your Work History- Typically, lenders want to see that you've worked for at least 2 years and have a steady income from an employer.
5. The Value/Condition of the home- Lenders want to make sure the home you're buying is in good condition and is worth what you're paying for it.
24/10/2021
Mindset is what separates the best from the rest
18/10/2021
Super appreciative for feedback from former clients. It reminds my why I got into real estate. I enjoy being able to make the home buying/selling or renting process as stress-free as possible for my clients.
Click the Link in my Bio to schedule a consultation today
Dawn Lowery
Keller Williams Rockville
[email protected]
06/10/2021
Are you in the market to purchase a new home or sell your current home?Contact me today (Link in Bio or DM,Text or Email)
Dawn Lowery
Keller Williams Rockville
609.457.6422
[email protected]
Did you know you may qualify for special first-time homebuyer programs such as:
1.Low- or no-down-payment loans
2. Grants or forgivable loans for closing costs and down payment assistance
3. Federal tax credits.
If you haven’t owned residential property in the past three years, you're purchasing a home in a targeted area, or you're a veteran using your exemption for the first time, you’re considered a first-time home buyer in Maryland.
04/10/2021
01/10/2021
Spooky Season has officially arrived! What are some goals you have set for yourself this October? Here are some of Mine:
-Workout and meditate daily
-Attend a minimum of 3 open houses a week to gain as many leads as possible
- Journal at least twice a week
-Spend quality time with friends/family
Dawn Lowery
Keller Williams Rockville
[email protected]
17/09/2021
Renting offers flexibility, predictable monthly expenses, and someone to handle repairs. Homeownership brings intangible benefits. They include a sense of stability, belonging to a community, and pride of ownership, along with the tangible ones of tax deductions and equity.
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Contrary to popular belief, renting doesn't mean you’re "throwing away money" every month, and owning doesn't always build wealth "in the long run."
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Dawn Lowery
dlowery.kw.com
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