Glenycia Bixby NMLS # 2648875

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Glenycia Bixby NMLS # 2648875 “A dream doesn’t become reality through magic; it takes sweat, determination and hard work.”

💡 Weekly Real Estate Term: CounterofferA counteroffer happens when a buyer or seller responds to an offer by proposing d...
10/16/2026

💡 Weekly Real Estate Term: Counteroffer

A counteroffer happens when a buyer or seller responds to an offer by proposing different terms instead of accepting the original offer as written. The seller could want a higher purchase price, a different closing date, or fewer concessions. Or the buyer comes back asking for help with closing costs. A counteroffer generally rejects the original offer and creates a new proposal for the other party to consider. The recipient can accept it, reject it, or respond with another counteroffer. Sometimes negotiations go back and forth several times before everyone reaches an agreement. That's perfectly normal. The important thing is understanding which terms are changing and how those changes affect your overall purchase. Remember, negotiating isn't always about getting the lowest price. Sometimes the right closing date, seller concessions, or other contract terms can make an offer more attractive.

👉 Ready to start your homebuying journey? Visit www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Real+Estate+Terms to complete your mortgage application and let's get you ready to make an offer!

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

10/15/2026

📈📉Here's what's going on with mortgage rates today. 😊

My goal is to make the mortgage market easy to understand so you can make the best homebuying/home financing decisions for you. If you're thinking about buying a home in Florida, I'd love to help you get pre-approved and explore your financing options.
🌐 www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Market+Update

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🔑www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Question+%26+AnswerGlenycia Bixby NMLS #2648875 | United Dir...
10/15/2026

🔑www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Question+%26+Answer

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🏡 Weekly Seller Tip: Work With a Lender to Prepare for Your Next Move 🔑Selling your home is a big decision, especially w...
10/14/2026

🏡 Weekly Seller Tip: Work With a Lender to Prepare for Your Next Move 🔑

Selling your home is a big decision, especially when you are planning to purchase another one. While you are busy thinking about listing prices, repairs, showings, and moving dates, you'll also want to be working on securing financing your next home. One of the smartest things you can do is connect with a mortgage lender before your current home goes on the market.

Your next purchase may depend on several factors, including how much equity you have in your current home, how much you expect to receive after selling expenses, your current debts, and what you want your next monthly payment to look like. Getting a full mortgage pre-approval early can help you understand what your next purchase might look like financially. It can also help you and your real estate agent develop a strategy for coordinating your sale and purchase.

You might be surprised to learn that selling first is not always your only option. Depending on your qualifications and available financing programs, you may have options that allow you to purchase your next home before your current one sells. Other homeowners may benefit from selling first and using the proceeds toward their next down payment. The important thing is understanding your options before you are juggling two transactions and multiple deadlines.

As an independent mortgage broker, I work with multiple wholesale lenders to help homeowners explore financing options that fit their situation. If you are thinking about selling and buying another home, I would love to help you start planning the financing side of your move. You can complete your mortgage application anytime at www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Seller+Tips. 💙

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

📊 Weekly Buyer Tip: Read HOA Financials When Available 🏡💰That beautiful neighborhood entrance, sparkling community pool,...
10/14/2026

📊 Weekly Buyer Tip: Read HOA Financials When Available 🏡💰

That beautiful neighborhood entrance, sparkling community pool, and perfectly landscaped common areas might have you ready to move in tomorrow. However, before you fall completely in love, you'll want to check out the HOA's financial health. When available, reviewing the community's budget, financial statements, reserve information, and upcoming projects can tell you quite a bit about what you might be getting into.

Why does this matter?
An HOA collects fees to maintain common areas, provide community services, and cover other expenses. Some communities also set aside money in reserves for major repairs and replacements. If those reserves are insufficient or major expenses are approaching, homeowners could face increased HOA fees or special assessments. Nobody wants to move into their dream home only to discover an unexpected bill for thousands of dollars. A few things worth asking about:

🏦 Reserve Funds: Is money being set aside for future repairs and replacements?

📋 Annual Budget: How is the community spending its money?

🔨 Upcoming Projects: Are major repairs or improvements being planned?

💵 Special Assessments: Are any currently approved, pending, or being discussed?

📈 Fee History: Have HOA dues increased significantly in recent years?

Keep in mind that the financial documents available to buyers can vary, and an HOA with limited reserves does not automatically mean it is poorly managed. The type of community, its maintenance responsibilities, and applicable reserve requirements all matter. Your real estate agent can help you request available documents and identify questions worth asking before your purchase.

If you are preparing to buy, let's make sure the mortgage side of your budget makes sense too. You can get started with your application at www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Buyer+Tips. 😊

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

10/13/2026

📈📉Here's what's going on with mortgage rates today. 😊

My goal is to make the mortgage market easy to understand so you can make the best homebuying/home financing decisions for you. If you're thinking about buying a home in Florida, I'd love to help you get pre-approved and explore your financing options.
🌐 www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Market+Update

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🚪😳 Did You Know? This Door Opens to a 13 Foot DropImagine touring a beautiful Victorian mansion, opening what looks like...
10/13/2026

🚪😳 Did You Know? This Door Opens to a 13 Foot Drop

Imagine touring a beautiful Victorian mansion, opening what looks like a perfectly normal door and discovering there is absolutely nothing on the other side except a 13 foot drop. That door actually exists inside California's famous Wi******er Mystery House. Known as the “Door to Nowhere,” it is just one of the unusual architectural features found throughout the 160 room mansion that Sarah Wi******er spent decades building and changing. The house is filled with strange design choices, unexpected passageways and architectural oddities that have helped turn it into one of America's most fascinating historic homes.

If buying a home is part of your plans, visit www.loansbyglenycia.com/?utm_source=Facebook&utm_campaign=Did+You+Know%3F to get started. 🏡

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719
******erMysteryHouse

🧡 Indigenous Peoples' Day 🧡Today, we recognize and honor the histories, cultures, traditions, and contributions of Indig...
10/12/2026

🧡 Indigenous Peoples' Day 🧡

Today, we recognize and honor the histories, cultures, traditions, and contributions of Indigenous peoples across the Americas. Indigenous Peoples' Day is an opportunity to celebrate the rich cultural heritage of Native communities, acknowledge their history, and recognize the important contributions they continue to make to our society. It's also a wonderful reminder that there is always more to learn about the people, cultures, and communities that make our world so diverse. Here's to celebrating Indigenous voices, honoring traditions, and continuing to learn from one another. 🧡

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

🏡 Weekly Mortgage Term: Down Payment 🏡A down payment is the portion of a home's purchase price that you pay upfront rath...
10/12/2026

🏡 Weekly Mortgage Term: Down Payment 🏡

A down payment is the portion of a home's purchase price that you pay upfront rather than finance through your mortgage. For example, if you purchase a $300,000 home and make a $15,000 down payment, your starting loan amount would generally be $285,000 before accounting for any financed costs or other adjustments.

Your down payment can affect several parts of your mortgage, including the amount you need to borrow, your monthly payment, mortgage insurance requirements, and potentially your loan pricing. The right amount to put down should make sense for your loan program, finances, and overall homebuying goals.

One of the biggest misconceptions about buying a home is that everyone needs 20% down. Depending on the loan program and your eligibility, conventional loans allow as little as 3% down, FHA loans allow 3.5%, and eligible VA and USDA borrowers require no down payment at all.

📲 Wondering how much you might need for a down payment? Visit www.loansbyglenycia.com and let's get your pre-approval started!

Glenycia Bixby NMLS #2648875 | United Direct Lending NMLS #1749719

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Tampa, FL

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