René Sessoms, Real Estate Guidance

05/20/2026

Buc-ee’s coming to Stafford is definitely a big community conversation.
Developments like this can bring convenience, jobs, traffic changes, and sometimes even questions about nearby property values.
What do you think the long-term impact will be for Stafford…positive, negative, or too soon to tell?

05/20/2026

Honoring those who have served 🇺🇸♥️🤍💙

From Memorial Day through July 4th, Doug Salzman at CMG Home Loans is offering reduced lender fees on VA Loans as a way to give back to Veterans, active-duty military, reservists, National Guard members, and eligible surviving spouses.

VA Loans can be a powerful path to homeownership, and this is a great time to explore your options if you or someone you love may qualify.

Have questions about buying with a VA Loan? I’d be happy to connect you with Doug and help you take the next step toward homeownership.

📲 Message me anytime.

*This lender credit is available for $1,495 toward lender fees. Offer valid for applications received from 5/27/2026 through 7/4/2026. Cannot be combined with any other CMG Home Loans offer. To be eligible for the full lender credit, as of the settlement date, you must originate with Doug Salzman at CMG Home Loans. The credit will be applied at closing and will appear on your closing disclosure. This coupon has no cash value; the credit must be applied to the loan. For VA loans only.

04/18/2026

04/18/2026

Curious what the local market is actually doing right now?

Universal Title has been putting together weekly stats for Stafford, Fredericksburg, Prince William, and Spotsylvania, including:

* contract price trends
* seller subsidy activity
* cash vs. financing
* financing and appraisal contingencies
* home inspection trends
* property types going under contract

I love sharing these updates because they give a helpful snapshot of what’s happening in our local market right now.

If you’d like to receive these by email on a weekly, bi-weekly, or monthly basis, send me a DM with your name and email address and I’ll make sure you get them.

These updates are great for buyers, sellers, homeowners, and anyone who wants to stay informed on the local market.

04/17/2026

The only BS I need is Buyers & Sellers 😂 💙🏡

Whether you’re ready to buy, sell, or just start the conversation, I’m here to help every step of the way.

04/06/2026

04/06/2026

🏡 Weekly Rate Watch

Here’s the latest snapshot of mortgage trends and today’s rates.

Rates moved a little this week, with 30 year products still sitting higher than 15 year options. Credit score and loan-to-value continue to play a big role in pricing, so the rate you qualify for can look very different from the averages shown below. 💙🩵

03/12/2026

🏡✨ Thinking about buying a home but worried about the down payment?

The good news is that many mortgage options require much less upfront than people expect.

Minimum Down Payments by Loan Type:

• Conventional Loan: As little as 3% down to get started.
• Adjustable-Rate Mortgage (ARM): Typically 5% down with flexible rate options.
• FHA Loan: Around 3.5% down, a popular choice for many first-time buyers.
• VA Loan: No down payment for eligible veterans and service members.
• USDA Loan: Zero down payment for qualified rural and suburban homebuyers.

Whether you’re purchasing your first home or planning your next move, there are loan options designed to fit your needs. Don’t let down payment concerns stand in the way of owning your dream home! 🏡🔑✨ https://buyerprequalify.com/staceybarowich?brand=NDk0LjE3MjMzODcyNTU&partner=sessomsteam

03/11/2026

🏡✨ Thinking about a new home? Now could be the perfect time to make a move!

📈 With rent prices climbing to their highest levels since 2022, many people are choosing to buy and invest in a place of their own. Our experienced team is here to guide you through every step, making the process simple and stress-free.

🔑 Considering selling? Strong demand means your home could be exactly what buyers are looking for. We’ll help position your property to attract the right buyers and work to get you the best possible outcome.

💬 Contact us today or visit our website to learn more about how we can help you find your future home or sell your current one: https://buyerprequalify.com/staceybarowich?brand=NDkwLjE3MjMzODcwNDM&partner=sessomsteam

03/10/2026

Key Factors That Can Improve Your Chances of Mortgage Approval 🏡

Several important factors can help strengthen your mortgage application and increase your likelihood of approval.

Strong Credit Score: A higher credit score—typically 700 or above—shows lenders that you are a reliable borrower. Strong credit not only improves your chances of approval but can also help you qualify for better interest rates.

Stable Income and Employment: Lenders prefer borrowers with consistent income and a steady work history. Being employed with the same company or in the same field for at least two years helps demonstrate financial stability and the ability to repay the loan.

Low Debt-to-Income Ratio (DTI): Your DTI compares your monthly debt payments to your income. Ideally, lenders like to see a DTI below 36%, with no more than about 28% of your income going toward housing costs.

A Solid Down Payment: Putting more money down—often around 20%—reduces the lender’s risk, increases your chances of approval, and may allow you to avoid private mortgage insurance (PMI).

Healthy Cash Reserves: Having savings set aside to cover several months of mortgage payments shows lenders that you’re financially prepared for unexpected expenses.

By strengthening these areas, you can improve your mortgage application and position yourself for better loan options and terms. 📊💰

03/09/2026

Make the Most of Your Home with a Home Equity Report 🏡📊

Your home is one of your most valuable assets, and understanding your equity is essential to maximizing its potential. A home equity report gives you a clear picture of how much of your home’s value you truly own after subtracting your remaining mortgage balance.

This insight can help you make informed financial decisions. Whether you're thinking about using your equity for home improvements, paying down debt, or preparing for retirement, knowing where you stand financially puts you in control.

By keeping track of your home’s equity, you can make confident choices that support your long-term financial goals. Treat your home as the asset it truly is with a comprehensive home equity report, and unlock the full potential of your investment: https://homequityreport.com/sessomsteam?brand=NTEyLjE3MjU0NzY0MjQ