Cassidy Scipio - Realtor

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Cassidy Scipio - Realtor

Realtor

08/02/2022

What is the debt-to-income ratio and why does it matter when you’re planning to buy a house?

Your debt-to-income (DTI) ratio is a percentage that’s calculated by dividing your total monthly debts by your total monthly gross income and is a metric used by lenders when considering your mortgage. It shows them whether or not you have a good balance between what’s coming in versus what’s going out. The magic number is 36% or below for most lenders, otherwise, you may end up paying higher interest on your loan or be denied completely.

If you’re in the market for a new home, but know that your DTI ratio is too high, here are a few steps you can take to actively improve it and increase your chances of getting approved for a loan.

✔️ Find an additional stream of income to supplement your current income
✔️ Lower the interest on some of your existing or recurring debts
✔️Consider applying for a loan forgiveness program
✔️Lower your monthly payment on an existing debt
✔️Cut back on your non-essential spending

For more home buying tips, hit like, save, and follow!

04/29/2022

Before you can list your home for sale, you’ll need to get it photo-ready so you can attract as many potential buyers as possible. While that may seem like a fairly simple task, without experience, you may overlook some crucial details. So, we've put together a quick checklist that you can follow.

✔️ Start by creating a list of the areas of your home that you want captured and areas you don’t. This will help you stay organized. Then:

🔸 Clean the entire house
🔸 Next, turn on all lights, lamps, and overhead lighting
🔸 And clean all glass and mirrors
🔸 After that, declutter all counter spaces in the kitchen and bathrooms.
🔸 And don’t forget to remove your furry friends from the areas being photographed!
🔸 Then, freshen up the curb appeal by cutting the lawn and making sure your patio furniture is properly arranged.
🔸 Lastly, sweep the porch and exterior area.

You’re now ready to take those glamor shots!

📲 770-710-2313
📧 [email protected]

04/21/2022

The market is still hot and is in favor of sellers, so if you’re considering selling your home — Do it!
Low inventory gives you multiple advantages, including making it easier for you to sell due to the high demand, you’re more likely to be able to sell at a higher sale price, and the possibility to negotiate better contract terms. But if you’re looking to buy a new home after selling your current home, the low inventory means it might also be harder for you to find a home.

If you’re worried about finding yourself in this situation, let’s chat! We might be able to find you a home that’s off-market and not actively listed yet.

📲 770-710-2313
📧 [email protected]

04/20/2022

It’s not always easy to sell the home in which you have spent many years, or raised your children in, we get it. 👪

But it’s important to put the emotions on a back-burner when putting your house on the market. That’s why having an honest, reliable Realtor on your side is paramount. 👋

Below are my recommendations during the sale process:

🔸Do not allow your emotions to take center stage. Selling your home can be time-consuming and an emotional rollercoaster
🔸You have made memories in your home, you feel a sense of belonging and you get defensive when potential buyers critique your home
🔸Being emotional once your property is already listed on the market and potential buyers are stopping in for showings and open houses, can be devastating to the selling process
🔸Try to schedule showings and open houses while you are away…it will help ease the emotional responses and stressors

Wanna see what your home is worth? DM me and let’s chat. 💌

P.S

Don’t forget to LIKE this post for additional mistakes to avoid!

04/19/2022

The key to keeping your home in tip-top shape is consistent maintenance and prevention, just like your health.

There are obvious maintenance items that you can tend to, like regular cleanings and making repairs as they’re needed, but there are also less obvious maintenance you can keep up with to ensure you’re also being preventative.

Here’s a short list of items you can take care of as part of your spring cleaning checklist!

1. Checking for leaky faucets
2. Checking water softener
3. Flushing toilets in unused spaces
4. Clearing dead plants and shrubs

What’s on your checklist? LMK in the comments section. 👇👇

04/12/2022

Banks and lenders will be carefully looking at your spending activity and big life events that can impact your financial position during your mortgage application process, so avoid raising any red flags, such as these…

✔️ Buying a car
✔️ Using your credit card excessively
✔️ Making random large deposits
✔️ Buying furniture and appliances
✔️ Co-signing for another loan
✔️ Changing jobs

Play it safe until after you’ve closed, then go buy that new car you’ve been eyeing 😉

📲 770-710-2313
📧 [email protected]

04/11/2022

Well, every day is pet day in my book, but today is an especially special day to give a shoutout to our fur babies!

Pets just make everything better, wouldn’t you agree?

04/07/2022

PSA: Keep an eye on your credit. If you’re serious about starting your home search, you need to get serious about your credit habits!

These are the no-nos that lenders will be paying attention to — and you should too.

✔️ Spending frivolously
✔️ Missing payments or late payments
✔️ Carrying large credit card balances
✔️ Carelessly opening or canceling credit
✔️ Neglecting your credit reports

The last thing you want is to be rejected for a home loan (and as a result, not be qualified to purchase a home) because of something that could have been prevented.

📲 770-710-2313
📧 [email protected]

04/06/2022

Your realtor should be someone you can trust, who has your best interest in mind, and who understands your needs — a true partner in your search for a place you call home. So, don’t forget to do your due diligence and research realtors in your area to find the one that’s the best fit!

Not sure what you should be on the lookout for? I am here to answer your questions.

📲 770-710-2313
📧 [email protected]

04/05/2022

Don’t let a good interest rate on your Mortgage be the one that got away! 😮‍💨 Did you know, rate locks protect you from market fluctuations? And as your lender processes the loan over a period of several weeks, rates can move up or down. ⬆️⬇️

If you lock the rate and market interest rates increase, you still get to keep your lower rate.

So my advice? Lock in a low rate before it’s too late. 🤑

📲 770-710-2313

📧 [email protected]

03/21/2022

Monday Motivation at it’s finest. Always Trust the process… And your Realtor 😁

03/19/2022

After a cold winter, it can be thrilling to see the temperatures climb just a bit higher. This might also get you thinking about your spring cleaning.

We’ve got a handy checklist of chores that will get your home ready to rock when the weather actually gets warm:

🔸 Check gutters, remove debris
🔸 Test carbon monoxide smoke detectors
🔸 Change furnace filters
🔸 Wash out garbage cans

What’s on your checklist for this month?

📲 770-710-2313
📧 [email protected]

Address

Alpharetta, GA

Telephone

+17707102313

Website

https://cassidyscipio.kw.com/

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