Tracey Haycraft, Loan Officer, NMLS #2054788

02/11/2023

Many people believe you need 20% of the purchase price for a down payment. However, data shows that’s not always the case. The average homebuyer actually puts down much less than that. DM me today because you might be closer to your savings goal than you realize.

01/22/2023

I can help with a pre-approval letter

LISTING OF THE DAY

This home is located in a quiet established neighborhood on a spacious corner lot by the HOA Community Water front lot with trees that offer plenty of shade. This peaceful retreat features 3 bedrooms, 2 bathrooms, great backyard and a functional kitchen. The huge master suite offers an extra space that could be an extra living room or an office. The backyard has great space to entertain friends or family.

CALL WHITNEY CATHEY ANYTIME FOR DETAILS AT 903.502.0122.



https://loom.ly/skbeSPA

01/14/2023

I can help if you have any questions

These rising costs may make you reconsider what other alternatives you have. If you’re looking for more stability, it could be time to prioritize homeownership. One of the many benefits of owning your own home is it provides a stable monthly cost that you can lock in for the duration of your loan.

01/14/2023

If you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market this year. In 2022, the market underwent a major shift as economic uncertainty and higher mortgage rates reduced buyer demand, slowed the pace of home sales, and moderated home prices. But what about 2023?

01/14/2023

Stay strong, stay motivated, and happy Friday!

01/06/2023

We have down payment assistance programs available. Let me know if you have questions or want to see if you qualify

Wondering How Much You Need To Save for a Down Payment?

If you’re getting ready to buy your first home, you’re likely focused on saving up for everything that purchase involves. One cost that’s likely top of mind is your down payment. But don’t let a common misconception about how much you need to save make the process harder than it could be. Understand 20% Isn’t Always the Typical Down Payment. According to latest Homeownership Program Index from Down Payment Resource, there are over 2,000 homebuyer assistance programs in the U.S., and the majority are intended to help with down payments.

Plus there are even loan types, like FHA loans, with down payments as low as 3.5%, as well as options like VA loans and USDA loans with no down payment requirements for qualified applicants.

To understand your options, be sure to do your homework. If you’re interested in learning more about down payment assistance programs, information is available through sites like Down Payment Resource. Then, partner with a trusted lender to learn what you qualify for on your homebuying journey.

If you need assistance in locating a lender, please reach out to me.

12/30/2022

https://next.navicamls.net/283/ListingDisplay/?eListingId=1591102&eListingKey=XC2HMSUQQAZP

12/23/2022

I can help guide you through the process.

THE CLOSING PROCESS - FAQ
1) WHAT HAPPENS DURING CLOSING?
On closing day, buyers will sign between 50-100 pages of paperwork to finalize the purchase of the property. This includes property transfer documents and any
loan paperwork. If the property purchase does not require a mortgage, the process will be much quicker.
2) ARE THERE CLOSING COSTS?
Before closing day, your lender will provide you with a figure that includes:
• Down payment amount
• Prepaid interest
• Closing costs
• Required property taxes
• Appraisal fee
• Title fees
• Prepaid homeowners insurance
3) I’M BUYING AND SELLING PROPERTY, CAN THEY CLOSE AT THE SAME TIME?
Simultaneous closings seem efficient, but with so many different parties to the transaction, it’s usually easier to schedule them on the same day instead of at the same time.
4) WHEN DO I GET THE KEYS?
After the transfer of you and your lender's funds has been verified, the keys can be released. In some cases, title company may have your keys, in other instances the keys transfer between real estate agents. Be sure to discuss the transfer of garage door openers and other security items.
5) SHOULD I KEEP ALL OF THESE DOCUMENTS?
Copies of your final executed closing documents will be bound together
and given to you. Your final title policywill arrive in the mail within 30 days of closing. Some documents may be needed for tax reporting purposes and your lender, if you have one, will inform you of your payment schedule.

Please drop me a DM if you have more real estate related questions.

12/23/2022

We have some home renovation loan options, just let me know if I can help

As people age, routine movement around the home may become a challenge. If seniors choose to age in place, what can be done to ensure comfort and safety when simply moving about the house? Let’s take a look. A ramp makes a house more accessible to those using wheelchairs or walkers. Eliminating a ...

12/22/2022

I am here to help, please let me know if you have questions

Buying a home is a major life milestone. Whether you’re setting out to buy your first home or your fifth, congratulations will be in order when you’ve achieved your goal. The sense of accomplishment you’ll feel at the end of your journey will truly make your home feel like a special place.

12/22/2022

We have many financing options

12/20/2022

I can help with pre-approval letter