Regina Stearns - NMLS # 391594

02/27/2026

You don’t need to have everything figured out before reaching out.
Sometimes the most helpful step is simply asking questions and getting honest answers. Whether buying is soon, later, or just a thought I’m here to help you understand your options. Message me anytime.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

02/19/2026

Down payment assistance programs exist to help buyers who qualify but they’re not always well understood. Each program has different guidelines, and not everyone qualifies, but having the right information upfront can save time and frustration.

💙 Education first, always.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

02/17/2026

One of the biggest misconceptions I hear:

🗣️ “I need my tax refund to cover the entire down payment.”

That’s often not the case. There are programs, options, and strategies that can help bridge the gap. If you’ve been unsure where your refund actually fits into the process, let’s look at it together and get clarity. I’m always happy to help.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

02/14/2026

02/09/2026

Buying your first home can feel overwhelming especially when you don’t know what you don’t know yet. That’s where education matters. Understanding programs, expectations, and realistic next steps can make the process feel much more manageable.

If you’re in the “just starting to think about it” stage, I’d love to be a resource. Reach out when you’re ready.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

02/08/2026

What's your prediction for the game tonight? Seahawks or Patriots?

02/05/2026

Tax season gets a lot of attention for spending but for some buyers, a refund can also be a starting point. Whether it’s used toward upfront costs, savings, or planning for the future, it can play a role in buying a home when used intentionally.

If you’re curious what options might exist for you, I’m happy to talk it through no pressure, just information. Reach out anytime.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

02/02/2026

If you’ve ever had questions like this about buying a home, you are not alone — and questions are always welcome. Buying a home starts with understanding, not pressure. Reach out to me when you’re ready to talk.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

01/28/2026

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

See Thursday’s report on average refi rates on different types of home loans.

01/26/2026

Paying balances down or catching up accounts with your refund may help your credit score over time.

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

01/21/2026

👩 Regina Stearns, NMLS #391594
📞 863-640-0861

Aside from the purchase price, there are multiple additional costs along a home-buying journey. Hear from an agent what you should be prepared to spend.