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SOCIAL MEDIA CONTENT
JANUARY 2022
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JANUARY 1 | HAPPY NEW YEAR!
Nothing feels better than welcoming the start of a new year and trusting the magic of new beginnings! ✨✨ What’s your vision for 2022?
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Happy New Year! 🥳 Your new chapter is just waiting to be written. Have you thought about what you’d like your 2022 to look like?
Things to manifest in 2022 ⭐
🔸 More quality time with family and friends
🔸 New opportunities
🔸 Good health
🔸 Happiness
🔸 Success (whatever that means to you)
🔸 A perfect home
I don’t have any power over the first five on that list, but I can certainly help you with finding the last one! Call me at [ 111-111-1111] and let’s make that manifestation come to life!
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JANUARY 2 | New Year Resolution – Become a Homeowner!
What an amazing goal, Go You!! Now that you’ve set your goal, it’s time to start taking the right steps in order to achieve it!
I know it can be overwhelming just thinking about everything that’s involved in home buying and where to start, so I’m going to share some must-know steps to help you start putting things into motion!
🔸 Improve your debt-to-income ratio (DTI)
Paying down debt and asking for a raise are two ways to improve your DTI, which will help improve your FICO score, lower the interest rate on your mortgage, increase the amount banks are willing to lend and increase the amount you’re able to save for a down payment.
🔸 Save for more than just your down payment
Cut expenses wherever possible so you can save for homeowner expenses other than your mortgage, like home upgrades, lawn services and landscaping, new furniture, and more.
🔸 Start shopping around for mortgage loans
Price-compare and try to negotiate lower rates and better terms. As a first-time homeowner, you may also be eligible for first-time home buyer programs, which can lower your down payment, closing costs, and other fees.
🔸 FInd an agent that’s familiar with the neighborhood you want to buy in
Having the right real estate agent on your side can make all the difference when buying a new home, especially if it’s your first time. Don’t underestimate this step!
If you have any questions or hesitations about the home buying process, reach out to me!
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JANUARY 3 | PAYING RENT? SO LAST YEAR
Leave it back in 2021, baby! Your future self will thank me. 😆 No…. but seriously, don’t let the fear of responsibility stop you from buying a home!
Here are 5 reasons to stop renting:
☑️ You will always be paying rent, but if you buy a home, once you pay off your mortgage, the payments will end.
☑️ You can’t build equity if you’re renting; it will be your home, but it won’t be your asset!
☑️ Your landlord can raise the rent at anytime
☑️ There are no tax benefits to renting
☑️ You are bound by the rules and policies of your lease agreement, and sometimes this means no pets 😢
Ready to make the change? Let me help you make the home buying experience as seamless and exciting as possible and find your dream home!
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If you’re thinking of buying a home but are feeling cautious about the commitment, consider this about renting… It will never be yours. 😔
You pay and pay and pay, and in the end, you have nothing to show for it. And while you pay your sky-high rent, your income might increase if you’re lucky, but not at the same rate as your rent. 🏚️📈
🔸Making it impossible to save up for a down payment on your own house, until that eventually becomes impossible.
🔸Owning a home is a keystone to wealth. It allows you to know your investment is safe and ever-increasing. 💸💸 That peace of mind is everything.🥰
Looking to find your happy place? Let’s chat!
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JANUARY 4 | Should you rely on Online Home estimator tools?
As long as you’re on the internet, you might decide to try an online home estimator tool such as home price calculator, for example. With these “online tools”, property sites use sale prices near you (and overall market data) to approximately predict your own home’s value.
Info like this is good to know — particularly because most buyers will see similar numbers when they do online research — but you have to take what online home price calculators tell you with a grain of salt.
Keep in mind….Online price calculators can be useful as a reference, but they have limitations in terms of their scope (they can’t read nuances of the market like a human can), as well as their reliability. Some, including Zillow’s Zestimate tool, which estimates market value, have been challenged frequently by many users for inaccuracy!
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JANUARY 5 | What’s your Top 3 Must-Haves?
Some clients of mine have a list twice the size of the contract! 🤣 But, if you could have just 3 Must-Haves in your new home, what would they be?
Personally, I would choose ✔️an open floor plan, ✔️hugeee walk-in closet (the bigger, the better 😜), and ✔️a bedroom fireplace (for extra cozy nights in).
What’s on your list? Let me know in the comments below! 👇👇
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JANUARY 6 | First Night Box
When you’re making the big move into a new home, I highly recommend packing a first-night box! Then keep this box separate from the rest and make sure it’s easily accessible throughout the whole move.
That way if anything comes up, you have items like: ✔️ first aid kit, ✔️tape, ✔️tools, and ✔️ trash bags. Then when you get to the end of the day, you have items like your ✔️ pajamas, ✔️toiletries, ✔️a shower curtain, and other necessary items….Especially the celebratory drinks to celebrate your new home!
What else would you add to the list? Comment below!
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Who doesn’t love a good checklist !? ✔️✔️
There’s something so satisfying about crossing things off your list in anticipation of an exciting event such as moving!
Here’s a little sneak at what most of my clients tend to forget once the excitement takes over! 😁
✔️First aid kit
✔️Tape
✔️tools
✔️ trash bags
✔️ pajamas
✔️toiletries
✔️a shower curtain
Did I forget anything else? Let me know in the comments below what’s a must-have for your move! 👇👇
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JANUARY 7 | Stop buying shoes you don’t need
Girl, put the shoes down and think of the end game… ROI’s ! They go with every color 😉 Remember…Invest in assets, not liabilities! Your future self will thank you!
Hit the like button if you agree!
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Stop buying shoes you don’t need. Start buying Real Estate! Because shoes don’t appreciate. The housing market on the other hand… 😊
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JANUARY 8 | What do you ask your Realtor?
For every journey, there is a guide.
With over 3 million licensed realtors in the U.S., finding a real estate agent isn’t hard. ✔️✔️ But finding one that you can vibe with? It can be a challenge. 🤔
Working with an agent who is experienced and trustworthy is paramount in ensuring your property sells at top dollar, or that you buy for the best price on the market. 📈🏠
Think of your agent as a therapist/consultant for your home search. Someone who is not just motivated by money but invested in your happiness. 🙋♀️
A matchmaker to help you find and fall in love with your new home. 💖💖
To find this match made in heaven between you & your realtor it’s important to ask the right question:
✔️ Do you work with both buyers and sellers?
✔️ What areas are you familiar with?
✔️ Will I be working with you individually or with a team?
✔️ Do you have recommendations for lenders?
✔️ How do you help buyers compete in this market?
✔️ What is your availability?
I’d be happy to answer any questions you have while you start this exciting new chapter. Feel free to DM me or leave your question in the comments below. 👇👇
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JANUARY 9 | Each morning we are born again…
New days are new beginnings that we have the opportunity to turn into great memories!
What are you doing today to make it a great one?
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JANUARY 10 | HOW TO CALCULATE DEBT TO INCOME RATIO?
Hey you ! 👋 Did you know that your ‘Debt To Income Ratio’ is almost as important as your Credit Check..?! 😲
But don’t worry, because I’ve got you covered by sharing my best tips and tricks to make that house of your dreams a reality. 🏡❤️🔥 In fact, when it comes down to it, almost everything can be solved by simplifying the complex.
First, start by adding up your bills and all other monthly debt.✔️
Next, divide that total by your gross monthly income.✔️
This result is your ‘Debt To Income Ratio’ ✔️
Know It, Adjust It, and Never again be bound by it!
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The debt-to-income ratio is the percentage of your monthly gross income that goes towards paying debts.
Why is this important for you to know? It’s one of the ways that lenders determine your borrowing risk, for things like a home loan. If you have a low DTI, your chances of a loan approval are higher than if you have a high DTI.
So how exactly do you calculate your debt-to-income ratio? Take all your monthly expenses, including monthly rent or house payment; monthly alimony or child support payments; student, auto, and other monthly loan payments; credit card monthly payments (use the minimum payment); and other debts, then divide that total by your pre-tax income, that’s your DTI.
Simply put, debt-to-income ratio = monthly expenses / gross income!
Are you familiar with your DTI? Still not quite sure how to calculate it, or what should be included? Send me a DM with all your questions!
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JANUARY 11 | Hexagon tile or subway tile?
Decisions, decisions… 🤔🤔
When it comes to choosing the right tile for your bathroom or kitchen renovation, always keep these three things in mind:
🔸 Budget
🔸 Durability
🔸 Personal style
What’s your style?
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The tile you choose can completely change the aesthetic of your home. Take these two options, for example:
🔸 Hexagon: Hexagon tile tends to mirror its environment, so it blends with every design style – classic, farmhouse, modern, traditional, bohemian, minimalist, etc, making it a top design choice. The simple, modern shape of a hexagon allows them to repeat in a tile pattern easily. They create beautiful lines that are more interesting and less harsh than 90° angles, but still offer visual precision in their design.
🔸 Subway: A classic, timeless, and beautiful option for your home. It’s inexpensive, easy to clean, and it looks great with any design style.
Which do you prefer? Comment below!
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JANUARY 12 | My favorite thing about my home….
Kitchen, fireplace, bathtub, cozy reading nook, the east-facing window that lets all the sunlight spill in every morning…there are so many different things to love about a home.
Share your #1 favorite thing about your home below!
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All of us would probably change a few things about our home if we had the chance. ✔️✔️
But sometimes a different perspective is all we need to remind ourselves of what we often take for granted.
For me, I love that my home has an open airy space perfect for hosting game nights with family and friends. 👪
What’s your favorite thing about your home? Let me know in the comments! 👇👇
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JANUARY 13 | Market Snapshot
No one likes ugly surprises, especially when buying or selling a home. 😵 Here’s a recent snapshot of the current real estate market in [ Your Area ]
Have any questions? Let me know in the comments below!
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JANUARY 14 | National Dress Up Your Pet Day
“Every snack you make. Every bite you take.. I’ll be watching you.” 🐾 Happy National Dress Up Your Pet Day!! Tag me in your pet’s best costume! 😍
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Who else’s guilty pleasure is dressing their pet in fun apparel and making them into different characters 🙋♀️? Well, you won’t need to make any excuses to do it today, it’s National Dress Up Your Pet Day!
Btw…..Let’s find you a backyard that’ll make your pet smile!
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JANUARY 15 | YOU DESERVE A BIGGER CLOSET!
A friendly reminder, from my heart to yours…..Never settle for anything less than you deserve…Even if that means more space for your Manolos 👠😉
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JANUARY 16 | Don’t let toxic people rent space in your head
Take it from me, Opinions don’t pay the bills.🙅
So next time you’re doubting your direction ask yourself, who’s voice are you listening to, your own or someone else’s? 😵💫 Life’s too short to have freeloaders take up headspace.
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Don’t waste time and energy on the people working to bring you down or standing in your way to achieving success. Instead, channel that energy towards your goals and watch the results materialize.
Set your boundaries and maintain them.
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JANUARY 17 | DR. MARTIN LUTHER KING JR DAY
Today we celebrate and honor the life and achievements of one of the most dedicated and influential people to the racial equality movement. May he continue to inspire us to do better and be better.
“Love is the only force capable of transforming an enemy into a friend” – Dr. Martin Luther King
May you remember today and never be afraid to speak your voice.
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JANUARY 18 | Private Mortgage Insurance ( PMI)
Have you ever heard the term PMI when it comes to mortgages? Here is a great term to know when it comes to financing a home.
Private Mortgage Insurance ( PMI) is an insurance premium that the buyer pays to the lender in order to protect the lender from default on the mortgage. These insurance payments typically end once the buyer builds up 20% equity in a home
A potential home buyer will find this vocab helpful for understanding words and terms used in real estate transactions.
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JANUARY 19 | NEW HOME NON-NEGOTIABLES
Not sure where you stand, but this is a shortlist of my new home must-haves:
✔️ A big yard
✔️ 2-car garage
✔️ High, vaulted ceilings
✔️ Short commute to work
What’s on your list? Let me know in the comments below! 👇👇
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JANUARY 20 | NATIONAL CHEESE LOVER’S DAY
May your cheese and wine pairings always go together like peanut butter and jelly and never run out. Oh, and don’t forget to Always Brie Yourself ❤️
How are you celebrating National Cheese Lover’s day?
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There’s no reason to feel bleu because it’s National Cheese Lover’s Day! It’s a day to celebrate all of the gouda in your life. Could I brie any more excited? OK, OK I will stop with the cheese puns before I turn blue in the face. Any way you slice it, I’m here to make buying or selling your home as easy as cheese spread!
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JANUARY 21 | FAQ’s most first-time homebuyers want answers to!
As a first-time homebuyer, you probably have a lot of questions circling your mind. So, let’s get them answered!
Here are some top questions (and answers!) first-time buyers typically ask:
✅ How do I know if it’s time to buy instead of rent?
If you know where you want to live, have a steady and secure income, and are ready for the responsibilities of homeownership, then it’s a great time to invest in property.
✅ What does the lender need from me to give me a loan?
Usually, you are asked to provide your last two tax returns to show proof of income. You should also provide recent bank and credit card statements and proof of your current pay rate. You will also be asked for your social security number so they can run a credit check.
✅ How do I know if I qualify for a loan and how much I can afford?
Contact a mortgage lender to get pre-approval for a loan. The lender will ask you some basic questions about your income and debts and can tell you what amount you can be approved for, and how much your mortgage payments will be. Ask me for my lender recommendations!
✅ How much do I need to save up for a down payment?
A conventional loan down payment is usually 20% of the sales price, but other types of financing require as little as 3.5% to 15%. A mortgage lender can tell you what types of loans you qualify for.
These are all questions that are important and can vary greatly. However, rest assured the first step to answering all of these questions and more is by contacting me today so we can put away some of those concerns and finally set your mind at ease. 😌
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JANUARY 22 | Should you buy or build?
Investing in a new home can be an overwhelming process all on its own, then add in trying to figure out if you should buy an existing home or build a custom one into the mix and your anxiety levels will soar. So, I’m here to help make that decision a little easier by giving you the pros and cons of each!
For all my DIYers, here are the pros & cons of building a new home ⬇️
Pros
✅ You have control over the design.
✅ You can customize any aspect of the home to ensure it both reflects your taste and fulfills your needs.
✅ You won’t have to deal with competing buyers over the house itself — once the land is yours, you’re set!
✅ A newer home = less ongoing maintenance costs.
✅ You don’t have to worry about toxic materials that might be found in an older, existing home.
✅ It can be more environment-friendly since newer homes are typically built with energy-efficiency in mind.
Cons
❌ Unexpected costs might come up during the build.
❌ Requires a lot more effort and time.
❌ It can be very stressful.
❌ You’ll have to landscape from scratch = more costs.
❌ Before you can even start building on your new plot of land, you’ll have to prepare it, including preparing utilities and having a road built onto it.
Pros & cons of purchasing an existing home ⬇️
✅ Less time waiting for construction.
✅ More options available in developed areas.
✅ You’ll have some landscaping already done for you.
✅ You always have the option to renovate the home to make it more to your liking when you have the time.
✅ Is typically less expensive than building.
❌ Can be time-consuming and stressful searching for a home (working with a realtor can alleviate some of the stress involved!)
❌ You may run into a bidding war competing for the house you want, which can cause even more stress.
❌ You likely won’t find the exact floorplan you’d like and will need to compromise on some features.
❌ Older homes have more maintenance issues and are less energy-efficient.
Want to talk through your options? Send me a DM!
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JANUARY 23 | Always bring your own sunshine
The perfect way to ensure warmth on a cold winter’s day. Fuzzy Socks optional 😊
Remember, You are always in control of how your day goes — it’s all about attitude and mindset.
Drop a 🙋♀️ if you agree!
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JANUARY 24 | Home Maintenance Checklist
As the outdoor temperatures start to drop, it’s essential to make sure that your home is prepared and ready for the cold January weather.
Here are a few maintenance tasks to consider this month:
☑️ Check the attic for vermin & rodents
☑️ Insulate pipes near windows & doors
☑️ Inspect dishwasher for leaks
☑️ Check for air leaks around windows & doors
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JANUARY 25 | Fireplace or Fire pit?
🔥 The Burning Question… Which do you prefer on a cold winter’s night..?
A comfy chair with a good book nestled up to a cozy fireplace with its warm, ambient glow…Or, do you prefer the open air beneath a clear night sky, illuminated by stars above…?
Let me know in the comments below.. 👇👇
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What’s your vibe —cozy or outdoorsy?
Personally, I love getting cozy in front of the fireplace with a good movie and some hot cider!
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JANUARY 26 | Testimonial
I feel so blessed to work with such amazing clients! When you love what you do, you’ll never work a day in your life! 😁😁
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My specialty: helping you find your dream home. I Love my clients, thank you for putting your trust in me!
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JANUARY 27 | Smart Home Upgrades
Smart homes are becoming all the rage right now. And rightfully so! How can I get you the upgrades you need to have the ideal smart home?
Consider these smart home essentials:
🔸 Security systems
Opt for security systems that you can access via your smartphones and tablets with live coverage.
🔸 Washers and dryers
You can now add smart washers and dryers to your home that you can connect through your phone to be alerted when your laundry is done or where it is on its cycle. You can even add more time to your dryer to ensure clothes are dry and fluffy.
🔸 Thermostat and fans
Ever needed the temp to be just a *few* degrees cooler while you are snuggled up in bed? Maybe you don’t want to have to get up and possibly wake the baby or your partner to turn on the fan. Control the weather by just a push of a button on your phone for a better night’s sleep for everyone.
Which of these do you NEED in your home ASAP?! Why not choose…. All of the above! lol
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Looking for ways to upgrade your home into a smart home? Here are a few ideas! (ps – some of the smaller items make great gifts!)
✔️Smart Thermostat
✔️Video Doorbell
✔️Smart Lock
✔️Speakers
✔️Lights
✔️Security System
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JANUARY 28 | Your Dream Home Is calling
Will you accept the call or forfeit what is yours?
Your dream home doesn’t have to stay in the clouds, if you’re ready to make the reach, DM me and let’s chat! 🥰🥰
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Would you ever decline the call? DM me and let’s find your dream home together!
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Are you considering selling but aren’t quite sure? Reach out and get a free market analysis to know how your home compares in today’s market!
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JANUARY 29 | Buyer Tip: Meet with a mortgage broker
Repeat after me. Meet with a mortgage broker BEFORE starting a new home search!
Keep reading to find out why:
☑️ You’ll better understand what you can afford and what sort of financing terms you should expect from your mortgage.
☑️ You’ll get unbiased advice, at no cost to you.
☑️ The earlier you meet with your mortgage broker, the sooner you can get pre-qualified.
☑️ A mortgage broker can help you get pre-approved, which lets you know the maximum mortgage you can qualify for and opens more doors for you because sellers will take you more seriously.
☑️ They will ensure you have all your paperwork in order ahead of time.
☑️ A mortgage broker can give you an in-depth understanding of the varying costs associated with buying a home.
Have questions? Send me a DM and let’s chat!
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The process of buying a home for the first time can be overwhelming 😬
🔸 As a first-time homebuyer, the very first thing you should do is meet with a mortgage broker to find out the mortgage amount you are able to afford. This allows you to come up with a finance plan toward saving up for your deposit 💲
🔸 All costs associated with buying your first home should be transparent
Not sure where to start? Reach out via DM!
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JANUARY 30 | 32% of short term vacation rentals
Are you missing out on more income opportunities? According to 32% of investment property owners, you just might be.
Here’s what you need to know about short term vacation rentals:
🔸 GREATER EARNING POTENTIAL (Normally, short-term rentals in destination areas charge higher prices than long-term rentals.)
🔸 VACATION FLEXIBILITY
🔸 MAINTENANCE AND REPAIR UPKEEP
🔸 TAX DEDUCTIONS
🔸 MAINTENANCE COSTS
🔸 FLUCTUATING DEMAND
🔸 LONG TERM RENTAL BENEFITS
If you’re considering jumping on the bandwagon, don’t overlook finding a realtor who will find you the best property at the best value so you can make the most of your investment.
Call or DM me to get started!
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JANUARY 31 | Pre Qualified vs Pre Approved
Ever wondered what the difference is between being pre-qualified for a mortgage and being pre-approved? Here’s a quick breakdown!
🔸 Pre-qualification ⬇️
🏠 First step in the mortgage process.
🏠 You’ll supply an overview of your financial history to the lender, including income, assets, debts, and credit score, but this doesn’t always require documentation, it can be self-reported.
🏠 The lender will then review this information to give you an estimate of what you would qualify for.
🔸 Pre-approval ⬇️
🏠 Comes after pre-qualification.
🏠 You will need to fill out a mortgage application with documentation of your financial history, and the lender will verify the information you provide.
🏠 The lender will also run a credit check and if you’re pre-approved, you’ll get a pre-approval letter, which is an offer to lend you a specific amount for 90 days.
Still have questions as far as pre-approval vs pre-qualification? Send me a DM and let’s chat about it!
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Did you know that being pre-approved and pre-qualified are two different things?
While both are great to see, one has a bit more heft than the other.
🔸 A pre-approval takes the pre-qualification a step further and verifies the finances of the buyers at a deeper level
🔸To be pre-qualified means a lender collects some basic financial information from you to estimate how much house you can afford
Knowing is the first step, Be informed and then prepared!
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THIS MONTH’S #HASHTAGS
We recommend using no more than 15 hashtags per each post. Copy these hashtags and paste them in your notepad along with the caption for each day. Be sure to rotate these hashtags and rearrange them for each of your posts. Use only 15 hashtags per post.
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*Be sure to include local hashtags as well! Yourtown+realtor, realtor+yourtown, etc
Let’s use the City of Chicago as an example: #chicagorealtor #realtorchicago #sellingchicago, etc
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#847studio #newopportunities #happynewyear #hello2022 #newyear #treatyourself #manifest #2022manifestation #positiveenergy #cheersto2022 #firsttimehomeowner #firsttimehomebuyer #homebuyingprocess #rentorbuy #consofrenting #rentingahome #dreamhome #homemusthaves #homefeatures #homeamenities #buyrealestate #happiness #investinrealestate #assetsnotliabilites
#howtofindarealtor #homebuying #workingwitharealtor #subwaytile #hexagontile #homedesign #manifesting #positivevibes #newyeargoals #firsthome #cozynight #firsthomecelebration #debttoincomeratio #homeloan #mortgagefacts #lendingfacts #homeowners #homedecor #homedesign #nationaldressupyourpetday #petdressup #petcostume #petsofinstagram #alwaysbuytheshoes #myclosetmatchesmypersonality #homebuying #boundaries #positivevibesonly #focusonyourself #mlkjrday #martinlutherkingjrday #mlkjr #newhome #newhomemusthaves #newhomewishlist #nationalcheeseloversday #cheeseandwine #wineandcheese #ilovecheese #homebuyingfaqs #firsttimehomebuyer #homebuying #buildahome #buyahome #buildorbuy #firsttimehomebuyer #fireplace #firepit #cozyfires #cozyhome #dreamhome #dreamhomesearch #homebuying #homebuyingtips #howtobuyahome #firsttimehomebuyer #shorttermvacationrentals #homerentals #vacationrentals #homeownertips #prequalified #preapproved #homeloan #mortgage #homebuyingtips #agentlife #dreamhome #entrepreneur #homebuyers #homedesign #homeforsale #homesforsale #househunting #interior #justlisted #listing #mortgage #newhome #newlisting #properties #realestate #realestateagent #realestatebroker #realestateforsale #realestatephotography #realestatesales #realestateteam #realtor #realtorlife #realtors #realtorsofinstagram #realty #sold #wealth #coastalliving #househunting #realtorforlife #realtorhumor #realtoring #realtorlife #realtorlifestyle #realtormom #realtors #realtorslife #realtorsofig #realtorsofinstagram #realtorsrock #realtortips #textingmemes #undercontract #broker #business #cashflow #dreamhome #entrepreneur #financialfreedom #homebuyers #homesforsale #househunting #investing #investmentproperty #investor #newhome #passiveincome #realestate #realestateagent #realestatebroker #realestateforsale #realestateinvesting #realestateinvestingforwomen #realestateinvestment #realestateinvestors #realestatemarketing #realestatesales #realtor #realtorlife #realtors #realty #countryliving #farmhouse #farmhousedesign #farmhouseinspired #farmhouseliving #farmhousestyle #modernfarmhousedecor #modernfarmhousestyle #bhghome #farmhousedecor #farmhousehome #farmhousekitchen #farmhouselove #fixerupper #interiorstyling #modernfarmhouse #beautifuldecor #interiordesxigninspo
To copy hashtags from your phone or tablet press and hold anywhere on the text area. There you should see an option to highlight and copy text
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