John Ragano, Mortgage

10/31/2023

Buying a home doesn’t have to be scary! Ask us about how our TurnKey®️ online platform provides a comforting and non-intimidating homebuying experience. 🏚️😱🎃

10/30/2023

Two Texas-based startups aim to put dents in inventory shortages and climate change by 3D printing homes with eco-friendly materials. Read more in the article below!

Two Texas-based startups aim to put dents in inventory shortages and climate change by 3D printing homes with eco-friendly materials.

10/27/2023

🏡 Home Maintenance Tips: Cozy up and save this winter!

As we approach cooler months, it's time to get smart about your thermostat! Here's why adjusting it is key to a comfortable and cost-effective season:

Efficient Heating: Lowering your thermostat by just a few degrees when you're away or sleeping can significantly reduce your energy bills. Save money while staying warm!

Consistent Comfort: Programmable thermostats allow you to set a schedule that fits your lifestyle. Enjoy the perfect temperature when you're home and save energy when you're not.

Prevent Frozen Pipes: Maintaining a consistent indoor temperature helps prevent frozen pipes, a common winter woe that can lead to costly repairs.

Eco-Friendly Living: Lowering your thermostat reduces your carbon footprint. It's a small change that makes a big difference in the fight against climate change.

So, how can you optimize your thermostat? Set it to a comfortable temperature when you're home, but lower it when you're away or asleep. Consider investing in a programmable or smart thermostat for even greater control and energy savings.

10/25/2023

Realtors, here is a helpful guide on creating comparative market analysis (CMA) reports for your real estate clients.

Need to learn how to create a comparative market analysis (CMA) report? An experienced agent at SERHANT. shares the steps and process.

10/24/2023

Earlier this week, The White House announced a series of new initiatives designed to boost U.S. homeownership, including an update to using ADU rental income to qualify for an FHA-insured mortgage. Read more in the article below and message me with any questions!

The White House on Monday announced a series of new initiatives designed to boost U.S. homeownership, including an update to using ADU rental income to qualify for an FHA-insured mortgage.

10/23/2023

Starting November 18th, Fannie Mae will increase loan-to-value (LTV) ratios on certain loan programs for multi-unit properties. This move aims to expand access to credit and provide support for affordable rental housing.

Check out this chart to see the changes. The new 95% LTV ratio will apply to the standard, HomeReady and HomeStyle Renovation programs.

10/21/2023

Serve up this bewitching blend of apple, cinnamon and caramel! 🍎