SEPTEMBER 1 | Hello September

I love the feeling a new month brings along with it — New goals, new opportunities, and perhaps a new home?

Whether you’re at the dreaming stage or ready to buy, I’m here to walk you through the process and answer your questions. Let’s chat!

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Hello, September 🍁

I’m not ready to give up on summertime just yet, but with a new month ahead of us, now is the perfect time to brush up on some top home seller tips 👇

✅ Presentation Is Key: Declutter, tidy up, and consider making cosmetic repairs.
✅ Curb Appeal: The outside of your home is just as important as the inside!
✅ Choose Your Agent Wisely: Because not all agents are created equal 😉

How much would your home sell in this market? Let’s find out!

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SEPTEMBER 2 | Buyer Tip: Examine your closing costs

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SEPTEMBER 3 | Set high asking price 

Time to bust another home-selling myth!

Let’s talk pricing! You may have read or heard somewhere that setting a high asking price is a good thing, as it allows more room for negotiation.

The truth is, pricing your home too high can actually end up driving buyers away because they won’t bother even looking — especially if they’re also looking at comparable homes that are priced right. If the demand is there, the price will naturally work its way up. Work with your agent to set a reasonable listing price to ensure you attract the right kinds of buyers and offers.

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Let’s discuss another home-selling myth you need to stop believing:

❌ MYTH: Set a high asking price to allow room for negotiation

✔️ FACT: Contrary to what you may believe, this can actually drive buyers away because if your home is priced too high, buyers won’t bother even looking — especially considering comparable homes that are priced right.

If the demand is there, the price will naturally work its way up. Work with your agent to set a reasonable listing price to ensure you attract the right kinds of buyers and offers.
DM me and let’s chat more about what to do and what not to do when selling your home.

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SEPTEMBER 4 | Good Things Come to Those Who Wait

Hey there, listen up! Today I’m sharing one of my homebuying secrets…

If you love a home, just get the offer in. You never know how many other buyers you’re going up against, so the sooner you put in your offer, the better your chances of it being accepted. Especially if the seller is ready to sell ASAP.

Hit save to keep this one in your arsenal and keep an eye out for more tips of the trade!

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SEPTEMBER 5 | Happy Labor Day

You know what this means….it’s almost time to say goodbye to summer and hello to the season of foliage and pumpkin spice lattes!

Until then, use today to practice a little self-care and self-love!

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Let us realize that the privilege to work is a gift. Whatever your goal, you can get there if you’re willing to work….. But first, let’s enjoy the Labor Day BBQ 😉

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SEPTEMBER 6 | Which room in your house do you spend the most time?

There are three types of people in this world —those who love to cook, those who love watching TV, and those who love staying cozy in bed (oh hi, that’s me ✋).

Which one are you?

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Home is where the 🤍 is… Because it’s where YOU are! 💁‍♀️

Whether you’re relaxing, working, cooking, or bonding with your loved ones, home is where you spend most of your time 🏡

With that said….Which room do you spend the most time in? 💬

A. Kitchen 🍴
B. Living Room 🛋
C. Bedroom 😴

Let me know below!

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SEPTEMBER 7 | Did you know? Average homeowner gained $55,300 in equity

It’s true! This past year was the largest one-year gain in average home equity wealth for owners

Because there’s an ongoing imbalance between the number of homes available for sale and the number of buyers looking to make a purchase, home prices are on the rise. That means your home is worth more in today’s market because it’s in high demand.

The question is…is it time to sell? DM me and let’s discuss!

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Did You Know❓Over the past year, the average homeowner gained $55,300 in EQUITY!

👉 What is equity?

Simply put, equity is the amount of money – or percentage of ownership – you have in your property.

👉 How does equity lead to financial gains?

When the value of your home rises, your amount of home equity does, too!

Have a question about real estate? Let’s chat! 💬

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SEPTEMBER 8 | If you owe a lot of student debt…

If you owe a lot of student loan debt, there is no way you can get a mortgage?

✔️Reality: Having a lot of student loan debt doesn’t automatically disqualify you from getting a mortgage. The key factor is not necessarily the size of your loan, but the amount of your total monthly debt payments compared to your monthly income. This is called DTI. 🧑‍🎓

Answer: False, you may still qualify!

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False, you may still qualify!

You don’t need to be 100% debt-free to buy a home or qualify for a mortgage. There are certain things that lenders will look at though, one of the most important being your current debt and how it compares to your income.

When calculating your debt-to-income ratio based on your recurring monthly payments, your student loans will be included as part of your monthly expenses, however, you only need to include your minimum required monthly payment.

Lenders like to see a debt-to-income ratio of 50% or less, so if your student loans are or other monthly expenses are contributing too much, focus on paying them down before you consider buying a home. If you’re still set on buying a home, there are other steps you can take to improve your chances of qualifying for a mortgage.

✔️ Consider loan types other than a conventional loan if your DTI ratio is too high|
✔️Pay off another debt to eliminate recurring expenses and free up cash flow
✔️ Increase your income with a side hustle to help lower your DTI ratio

Have questions? Let’s chat!

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SEPTEMBER 9 | The appraisal came in low. Can I appeal it?

It’s a long shot, but sure. You can appeal the appraisal. Ask the appraiser for a reconsideration of value based on the information from your real estate agent

Appraisers rarely change their minds, but if it’s your only way to fix the situation, you could consider it.

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You know your home better than anyone else — upgrades you’ve made, how well it’s been maintained, etc. So, don’t just take an appraisal at face value. Especially if you know your home is worth more.

If you think the appraisal you received on your home is too low, challenge it!

Here are 9 steps you can take to appeal it.

🔸 Request a copy of the appraisal report, otherwise, you won’t have access to it.
🔸 Check every detail, there could be very obvious mistakes that the appraiser unintentionally made but didn’t thoroughly check through.
🔸Contact your lender and request a value appeal, but make sure you can substantiate any claim with evidence.
🔸 Provide updated comps, especially if home prices in your neighborhood are increasing rapidly.
🔸 Make sure there are no missing permits: If you’ve made additions or improvements to your home and didn’t get building permits you might have an issue with its value because an appraiser cannot consider the improvements in the appraisal if they’re not permitted.
🔸 Make upgrades and improvements clearly known to the appraiser.
🔸 Have your agent meet with the appraiser to help communicate the supporting data, such as comps and improvements.
🔸Appeal an appraiser who doesn’t know the area.
🔸 Get a second opinion but be aware that a buyer’s lender might not accept your appraisal because they typically use appraisers they trust and have worked with before.

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SEPTEMBER 10 | Say Yes to the Address

Say Yes to the Address…..But first, ask yourself this very important question:

1. Who is doing my home inspection?
2. Have I researched at least 3 local home inspectors?

I recommend www.homeinspector.org

If you can’t decide who to go with, contact me. I will be glad to point you in the right direction (111) 111-1111

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What does your dream home look like and what do you need to do to make that dream a reality? Let me help you so you can soon be saying yes to the address!

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SEPTEMBER 11 | National Day of Service and Remembrance

Let us #neverforget those who lost their lives and the countless sacrifices made


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Memory is a way of holding onto the things you love, the things you are, the things you never want to lose.

Remember the past, but don’t let it keep us from our future.

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SEPTEMBER 12 | How long does it take to get pre-approval letter?

Getting a mortgage pre-approval letter is typically a quick process, but it can be lengthier in some instances.

Depending on the mortgage lender you work with, and whether you qualify, you could obtain your pre-approval in as little as one day, but it usually takes a few days, and in some cases, a week or longer. If you’re required to undergo an income audit or other verifications, be prepared to wait even longer.

The sooner you start the process, the better, don’t hold off otherwise it may cost you your dream home.

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Wanna simplify your home buying journey? Get a mortgage pre-approval letter.

A pre-approval letter is a document issued by a lender telling a buyer how much home they can afford 💰 It takes around 1-3 days to receive your pre-approval letter, which is valid for 60-90 days, depending on your lender.

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SEPTEMBER 13 | Buyer Tip: Lock in your interest rate

Two reasons you’ll want to lock in your interest rate 👇

1. Rates are on the rise: Locking in your rate now means you’ll likely end up with a lower interest rate than you would if you let it ride until closing.

2. You can budget more accurately because you’ll know exactly what your interest rate will be when it comes time to close — it could be the difference of tens of thousands of dollars over the life of the mortgage.

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If the interest rate on the mortgage loan were not locked-in already through the pre-approval process, this is when you would want to do so.
Remember, interest rates fluctuate daily. It is in the buyer’s best interest to monitor rates and lock in the lowest rate possible.

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SEPTEMBER 14 | What would be a deal breaker for you?

Having all three of the above would be the ideal situation, but there’s always one feature that you just can’t give up. Which one would it be?

Personally, I’ve got to have the backyard. Having an outdoor space for leisure or entertaining my guests will always be at the top of my list.

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One of the best parts about shopping for a new home?

We all have our unique tastes & preferences, and the home buying process provides an opportunity for you to discover what you are (and aren’t!) looking for in your new home 🏡

With that said, What’s the 1️⃣ single feature that would be an absolute deal breaker for you?

🌲 Small / No Backyard
🧑‍🍳 Outdated Kitchen
🪴 Lack of Open Space

Comment below 👇

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SEPTEMBER 15 | Your credit score will affect mortgage approval?

Your credit score is the first thing lenders look at when deciding if you qualify for a loan. It doesn’t need to be perfect, but the higher your credit score is, the higher your chances of approval.

Ideally, you should have a credit score of 700 or higher, but if it’s not, aim for at least a 660- credit score.

ANSWER: True!

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There are several factors that lenders look at that affect your ability to get a mortgage. Your credit score being an important one.

Here’s a breakdown of credit scores and how likely you would be to get approved for a mortgage for each.

🔸740–850: Excellent credit – easy credit approvals and the best interest rates.
🔸670–740: Good credit – typically approved and offered good interest rates.
🔸620–670: Acceptable credit – typically approved at higher interest rates.
🔸580–620: Subprime credit – It’s possible to get a mortgage, but not guaranteed. Terms will probably be unfavorable.
🔸300–580: Poor credit – little to no chance of getting a mortgage, you will have to take steps to improve your credit score before being approved.

There are always case-by-case scenarios, so don’t let your credit score discourage you from buying a home. Work with your realtor (Me😊) on a realistic game plan to ensure you’re making the best choice for your unique situation.

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SEPTEMBER 16 | Questions to ask your lender

Having a list of questions to ask potential lenders is just the start. Knowing the answers you’re looking for puts you ahead of the game.
Ask your potential lender these questions:

✔️ Which type of mortgage is best for me?

This question will help you determine whether you’re talking to just a producer — a salesperson — or a quality adviser. When you ask, “What are my options?” for each type of loan discussed, the mortgage lender should tell you the pros and the cons in light of your situation

FYI: There are various mortgage loans that you may find more suitable for you. For example, military veterans and first-time homebuyers may be eligible for a special loan and/or down payment assistance programs.

✔️ Do I qualify for any down payment assistance programs?

If you really want to size up your mortgage lender’s value, this is the question that will do it. If you get a chuckle or a groan in response, move on!

Lenders with knowledge of local, state, and national down payment assistance programs, and willing to help you navigate the process, are well worth the hunt.

Are you looking for a reputable mortgage specialist? I would be more than happy to recommend a few. DM me for more info

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When it comes to talking to your lender about mortgage options, the more questions you ask, the better. Here are two must-ask questions to keep in mind:

Q: Which type of mortgage is best for me?

Depending on your credit score and other factors, what’s best for someone else (or even the ideal situation) might not work for you. Finding what’s best for your is crucial to ensuring a successful home-buying experience.

Q: Do I qualify for any down payment assistance programs?

Don’t forget to ask this one, especially if you’re a first-time home buyer! There are several federal and state programs available to help you — if you never ask, the answer will always be no.

Are you looking for a reputable mortgage specialist? I would be more than happy to recommend a few. DM me for more info

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SEPTEMBER 17  | Would you rather Buy a new home or Renovate your current home?

Is it time to move on to something new or does your home have too much sentimental value to find a new one?
Drop your answer below 👇

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Would You Rather … 🔑 Buy a new home? OR 🔨 Renovate your current home?

The answer to this great debate often comes down to several important factors:

👉 Do you like your location?
👉 Do you have the budget for moving or remodeling?
👉 Have you considered your long or short-term goals?

Drop your thoughts below! ⬇️

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SEPTEMBER 18 | National Cheeseburger Day

Life is too short to miss out on beautiful things like a double cheeseburger 🍔😉

Share your favorite place that serves cheeseburger perfection or a family recipe that you’d like me to try 👇

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SEPTEMBER 19 | Only sell in the Spring or Summer season?

Today I am going to share yet another home-selling myth you need to erase from your memory❗

❌ MYTH: Only sell in the Spring or Summer seasons

✔️FACT: while it’s true that these are optimal times to list your home for sale, there are pros to putting it on the market during colder months. For one, there is typically less competition in fall and winter and two, buyers are more willing to make a deal and close quickly in colder months.


DM me and let’s chat more about what to do and what not to do when selling your home.

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Time to bust another home-selling myth!

While it’s true that Spring and Summer are optimal times to list your home for sale, there are pros to putting it on the market during colder months. Since everyone else is listing during Spring and Summer, there typically ends up being less competition in fall and winter. Buyers also tend to be more willing to make a deal and close quickly in colder months.

Speaking of colder months ahead…Fall is just around the corner. If you’re ready to put your home on the market, give me a holler and let’s get it sold!

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SEPTEMBER 20 | Be upfront and disclose any foreseeable problems

In order to prevent unforeseen, long-term issues – it’s best to be upfront and disclose any foreseeable problems that may or may not arise. ☝️

Your honesty will prove more valuable than the home you are selling, and the buyer will be much more appreciative of this.🙌

🔸Report any issues which may occur, even if the law doesn’t require it.
🔸This may include structural problems, infestation, dampness or mold, and any fixtures or appliances that may not work.

You don’t always want to necessarily address the negatives of the home you’re selling, but it is an important factor in the home selling process and most importantly you won’t have to worry about any legal issues coming back to bite you in the butt.😅

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Regardless of whether you’re legally obligated to disclose certain information about your home when selling, I recommend that you still be upfront with potential buyers to instill peace of mind for both parties.

There are certain issues that you’re legally obligated to disclose. Here’s a list of some of those (that vary from state to state):

✔️ Disclosure of haunted homes or paranormal activity
✔️Disclosure of murder or deaths on the property
✔️Roof leaks or needed roof replacement
✔️Foundation issues
✔️Lead-based paint
✔️Known toxic materials in the home
✔️Water damage
✔️Legal issues involving the home

If you’re unsure of what needs to be disclosed, speak to your realtor (Me 😉). A good realtor will be aware of state laws and should always advise you to be honest and upfront.

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SEPTEMBER 21 | Will I have to pay mortgage insurance?

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SEPTEMBER 22 | First Day of Fall

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SEPTEMBER 23 | Home Maintenance Checklist

Before you get too caught up carving pumpkins or watching football, reserve a few weekend hours to take care of these home maintenance tasks for the month of September:

✔️Regrout your tub, showers, and bathroom fixtures
✔️Clean out exhaust fans to prevent mold
✔️Restore power to any dead outlets
✔️Check your doorbells

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SEPTEMBER 24 | Nat. Family Health & Fitness Day

Today we celebrate Family Health & Fitness Day. Let’s engage in physical activity and a healthy lifestyle with our loved ones 🥗 🚲

✔️ Take a walk
✔️ Play a family sport
✔️ Cook a healthy meal
✔️ Go for a bike ride

✔️ Enroll in a virtual fitness program

👉 Share your family health & fitness day photo using the hashtag #YournameFitday

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Today is National Family Health and Fitness Day. Here are a few ways you can celebrate:

🔸 Take a walk to your local park
🔸Find a fun fall family activity
🔸 Sign up for a 5k
🔸Go on a bike ride
🔸 Contact your local YMCA or health club and see if they’re hosting any special events

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SEPTEMBER 25 | Push harder than yesterday 

Whether your goal is to follow a healthier lifestyle or to buy your first home, how you get there is all the same.

Stay motivated, committed, disciplined, and keep pushing through. You got this 💪.

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Whether you’re a first-time homebuyer or already building an impressive portfolio, when it comes to hitting your real estate goals, choose a realtor with proven track record!

Let’s work together to sell your home for top dollar 💸 or land you the home of your dreams ✨

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SEPTEMBER 26 | 3 Ways Tenants Lose Money

Still renting? You’re losing money! Here’s how:

✔ Your monthly payments are going towards paying someone else’s mortgage — why not pay for yours instead?
✔ As a tenant, you’re not eligible to freeze your monthly housing expenses like homebuyers are.
✔ You’re missing out on tax advantages that you would otherwise be benefitting from as a homeowner.

If you’re ready to reevaluate your position, send me a DM and let’s chat about your options.

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Statistics show that as of 2022, 35% of Americans are renting, and while homeownership comes with its own unique expenses, renting can cause tenants to lose out on some BIG money-saving hacks over time 💰

Here are 3️⃣ ways tenants LOSE money 👇

✔ Paying for someone else’s mortgage payment.
✔ Unable to freeze their monthly housing expenses (unlike homebuyers.)
✔ Zero tax advantages = Zero benefits

Would you rather rent 💸 or own 🔑  your home?

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SEPTEMBER 27 | Leaseback

What Is a Leaseback?

A leaseback is an agreement between the new owner of a home and the former owner that rents the house back to the owner for say 30, 60, or 90 days

Is leaseback a good idea?

More and more retirees are taking advantage of the leaseback option. It gives them the ability to continue living in the home they owned while having more money for retirement. And of course, it is a good option for people who have suffered financial reverses due to job loss or other difficult circumstances.

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SEPTEMBER 28 | Testimonial

I’m pursuing my #dreamcareer helping others find their #dreamhome, and it doesn’t get better than this! Thank you for partnering with me and congrats on saying yes to the address!

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✅ Fast ✅ Effective ✅ Top Rated

Buying or selling a home 🏡  is a HUGE decision to make. As your trusted real estate agent, I aim to create a seamless process by getting to know you and YOUR goals!

Get started on your home buying journey today!

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SEPTEMBER 29 | National Coffee Day

Today we celebrate National Coffee Day.  Is there anything better than a comfy couch, a good book, and a warm cup of coffee?

Btw, any good coffee shops worth checking out in [ YOUR AREA]  that you recommend?

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Happy National Coffee Day! Today, I am giving real estate advice for coffee ☕️ 😉

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SEPTEMBER 30 | Market Snapshot

Fall is here!….. See how your home lines up in today’s market! Who’s ready to say yes to the new address?

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A lot has changed within the housing market this year and here’s an outlook on what the fall season is looking like.

Where does your home fall (no pun intended) in today’s market? A turn of the season is the perfect time to say out with the old and in with the new.

If you’re ready to bid farewell to your current home and hello to a new address, let’s chat about how to make that happen!

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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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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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