Tercero Realty

Check out these awesome spring cleaning tips!

A smart buyer should put a down payment of at least 10% on a house. That means if you are looking at a $500K home, you will need a down payment of $50K. Saving that much money can feel impossible but there are so many ways to save smart. I have listed a few that work best for me. 1. The first step before you start saving is to make sure your debts are paid off. Focus on paying one credit card off at a time, then once it’s paid off, take the money used to make the payment an...d use it to pay off another card. Keep doing this till all your credit cards are paid off. Once your debts are paid off, it will be easier to transition those payments into savings. 2. Budget your spending. There are great resources out there. One of my personal favorites is a free app called Everydollar. You can download it today and start managing your budget. 3. Direct deposit 20% of your paycheck into your savings. Out of sight, out of mind. The money saves itself. 4. Utilize credit card rewards. Get a credit card you can accrue points or cash back. Use the card to pay your bills and necessities (gas & groceries). Set up auto payments for the full balance. 5. Have a grocery list when going shopping, use coupons and find online deals for things you normally buy. 6. Limit going out to eat or spending money on expensive hobbies. 7. Cancel that cable bill. There are so many cheaper alternatives to watch all your favorite shows. (i.e. Hulu or Netflix) 8. Ditch the gym, go out for a run or hike. You can also watch fitness tutorials online. See more

Are you or someone you know wanting to buy your first home? We all want to find a realtor we trust, because let’s be honest, it’s a big transaction and we want to make sure we do it right! I’ve single handedly put together a short and sweet list to make sure you get the best results for your first deal! 1. Shop Different Lenders Don’t accept the first approval you get! Find a mortgage lender you trust, you may get a better rate.... 2. Start Early Start saving as early as possible. It is common to suggest putting 20% down payment although it is only necessary to put as little as 3%. The more you put down the lower your interest and monthly mortgage rates will be. 3. Know your budget Figure out a budget that works for you and stick to it. 4. Be Flexible with Your Wishlist It may not be realistic to check everything off on your wish list while staying in budget, be prepared to compromise. Inform your realtor what amenities are nonnegotiable. 5. Have a Cushion Don’t put all your savings into a down payment, have some cushion for unexpected expenses. Keep in mind closing costs and moving expenses. 6. Have Fun Shopping! Keep your options open, there will always be another house. Don’t rush into the first house you see. Browse around, get feedback on neighborhoods, look into near by schools, try local restaurants, and things you enjoy. 7. Be Patient This is a major decision for you, we understand you want to do it right. Be patient with your search and with your realtor, we do everything we can to make sure you make the right move. 8. Hire a Home Inspector Although the seller will usually cover the costs of an inspector you usually won’t have a say in who they hire. It is important to utilize one, you never know what they will uncover, it could essentially benefit you in the negotiation. You also want to make sure you don’t run into any issues in the long run that may cost you more money. 9. Get Home Owners Insurance For those uh-oh’s that may happen, you don’t want to get stuck paying for expenses you can’t afford. 10. Clean Up Your Credit History It is best to make sure you don’t have any other large loans that could interfere with your credit score and hindering your approval rate. Pay off student loans, Don’t go buying a new car, and most of all pay off and credit card dept. #realestate #firsttimehomebuyers

OPEN HOUSE Saturday and Sunday Nov. 10-11

Now's a good time to sell.....contact me if you need help.

If you're thinking about owning a new home, contact me today to help you get started. #properties #investment #realtorlife

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Thinking about investing in your own property? Contact me today for more information.#investor #realtor #realestateagent

Thinking about home expansion or expanding your home value? Contact me today for assistance and info. #realtor #realestateagent #luxuryhomes

Those who work hard to obtain their dreams will have plenty. While those who chase after fantasies without action lacks judgement. Contact me today for more information. #realestate #properties #invest