Pay Your Mortgage Earlier!
Mortgage Tip: Ditch the 30-Year Grind! 🏡💰 Tired of feeling like your mortgage will last forever? You're not alone! But what if I told you there's a simple trick to save thousands in interest AND pay off your home years (even decades!) sooner? It's all about extra payments! Here's the magic: ONE extra payment a year could shave off 7 YEARS TWO extra payments = 14 YEARS GONE THREE extra payments = a whopping 21 YEARS saved 🤯 Think of all the freedom and financial peace of mind that comes with owning your home outright! 🙌 How does it work? Extra payments go straight towards your principal balance, reducing the amount you owe and the interest you pay. It's a snowball effect – the sooner you start, the bigger the savings! Wondering how to swing those extra payments? Annual Bonus: Put it right into your mortgage! Tax Refund: A lump sum can make a huge impact. Side Hustle: Every little bit helps! 🔥PRO TIP: Even bi-weekly payments (half your monthly payment every two weeks) add up to one extra payment per year! Let's chat! 👇 How many extra payments are YOU aiming for this year? Share your goals below! #mortgagetips #homeownership #financialfreedom #debtfreejourney #personalfinance
How to buy a home before the holidays.
  What are the steps to be in a home by year’s end?” This is a common question I start to hear this time of year.  Here’s a simple roadmap: If your 2024 to-do list says “buy house” - you’ve got the perfect amount of time to be settled into a new home by the holidays. July: Reach out to an agent for a buyer consultation to make a game plan. August: Chat with a lender to nail down your home price range and pre-approval letter - typically good for 90 days. (Send me a DM for my lender recs!) September: Fun part: Make a Wants vs. Needs list, browse listings, scope out open houses, and begin your home explorations. October: Narrow down favorites and submit your offer(s) with the help of your agent. November: Seal the deal on your new place and wrap up paperwork by month’s end. December: Move in, deck the halls, and enjoy the holidays in your new spot!  Reach out ASAP! You’ve got the perfect amount of time on your hands to be home for the holidays!  #family #home #clientsfirst #realestate #realestateinvestor #homebuyers #moveupbuyer #moveupseller #movedownbuyer #movedownseller #realtorlife #newhome #homesales #justsold  Let’s connect! You can reach me directly at 571-259-3009 @palmagroup_properties @mpalmarealtor ✧ ✧ Connect with Mary! #connectwithmary Mary Palma - Broker/Owner Palma Group Properties Licensed in Northern Virginia, Maryland and Washington DC Cell: 571-259-3009
This Is What Happens When You Work With a Buyer's Agent
Is it worth it to work with a buyer's agent?? Here are a few things to keep in mind: Buying real estate is usually the *largest single investment* a person makes in their lifetime. This is what buyers stand to benefit from with a great buyer's agent on their side... 👍Negotiating power: A buyer's agent has your best interest in mind and knows the art of negotiation. More terms in your favor and more dollars in your pocket? That's our goal. 👍Robust network: Having a squad of industry pros (lenders, inspectors and contractors) that we can call on during the buying process is worth its weight in gold. 👍Expert juggler: Coordinating showings, inspections, appraisals, and closings is our bread and butter. It should be our full time job, not our clients. 👍Creative problem solver: Fussy sellers, inspection hurdles, appraisal headaches - been there. An experienced agent has seen their fair share of hurdles and knows how to find creative solutions. Last and most importantly, a buyer's agent is your advocate: Someone dedicated to answering your questions, decoding contracts and providing a second opinion throughout the buying process. Warren Buffett’s successor Greg Abel recently said it best: “Buying real estate is the one time in our lives where we make a massive investment. Having that council and guidance is absolutely critical.” Let's connect! You can reach me directly at 571-259-3009
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