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OCTOBER 2021
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OCTOBER 1 | HELLO OCTOBER
Life starts all over again when it gets crisp in the fall…A new month is an opportunity to start everything new, full of energy! May each day become a reason for you to be happy! Remember, you will be home before the leaves fall from the trees. Wishing you an amazing month of October!
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OCTOBER 2 | Housing Market Forecast
October might be spooky, but home prices are not! Typically, fall brings less competition and better deals and this year will be no different! If you’re looking to buy or sell your home this fall, it’s no tricks, just treats!
Consider this…
🗝 Home prices have already seen a 23% increase in September, almost triple over the estimated forecast.
🗝 In 2021, the annual average interest rate for a 15-year, fixed-rate mortgage hit an all-time low at 2.29%
Are you serious about listing your home for sale this month? Or perhaps you are looking to move, or reach your homeownership goals? Well, now is a perfect time! If not now then when?
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OCTOBER 3 | HOME IS WHERE OUR FEET MAY LEAVE
Here’s a reminder to think about what fulfills your heart! At the end of the day, home is always where the heart is. One of my favorite things about real estate is that I’m not just selling a piece of land or a house… I’m selling a home! So, tell me, What does a dream home look like to you?
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OCTOBER 4 | BUYING “AS IS” WHAT DOES IT MEAN FOR BUYERS?
Buying a home ‘as is’ can be a great way to save money! If you’re okay with doing a few fixes or renovations, buying a home ‘as is’ can be cheaper than buying one that’s in perfect condition!
Often, the home is in very decent condition and current owners simply don’t know the state of the property which is why they’re listing it ‘as is!’
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OCTOBER 5 | DO I HAVE TO ACCEPT THE HIGHEST OFFER ON MY HOUSE?
Here’s another round of Q&A’s:
Q: Do i have to accept the highest offer on my house?
A: You are never under any obligation to accept an offer on your home! It’s 100% in your hands! Maybe there are other bids on the table or you’re waiting for a higher offer. Maybe your situation has changed and you’re unsure if you even want to sell! No matter what, you always have control of what you sell your house for!
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OCTOBER 6 | What Is a Reverse Mortgage?
A reverse mortgage is a loan designed for homeowners over the age of 62 to convert a portion of their home equity into cash.
🗝 Mortgage loan, usually secured by a residential property
🗝 This loan typically does not require monthly mortgage payments
🗝 Allows elders to access the home equity they have built up in their homes
This type of loan is perfect for people who want to complete their retirement funds.
Stop working, start living!
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OCTOBER 7 | The Lowest Interest Rate is the Best Mortgage?
A lot of buyers believe that the lowest rate is everything, however, it is very much possible that you can pay more with a lower interest rate. Before settling on a low interest rate, make sure you are exploring options that best work for you.
Answer: FALSE
*** ALTERNATIVE CAPTION
Is the lowest interest rate always the best mortgage?
Believe it or not, there are times when you will pay more with a lower rate. Be sure to look at your loan term, interest rate type, loan type, and credit score!
Answer: FALSE
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OCTOBER 8 | What happens to your mortgage after you pass away?
This may not be the most cheerful topic by any means, but it is rather important! So without further ado…let’s tackle it like a boss and move on!
Q: What happens to your mortgage after you pass away?
A: Unless someone co-signed the loan or is a co-borrower with you, nobody is obligated to take on the mortgage. If the person who inherits the home decides they want to keep it, they may take over the responsibility of the mortgage. If neither of these things happen, the mortgage servicer will begin the process of foreclosing on the home.
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OCTOBER 9 | THE PROPERTY I’M BUYING DOES NOT APPRAISE
I get this question every now and then so I figured a post would be a perfect opportunity to address it!
If the home appraises for less than the agreed-upon sale price, the lender won’t approve the loan. In this situation, buyers and sellers need to come to a mutually beneficial solution that will hold the deal together.
A low appraisal doesn’t always mean a canceled deal. It sometimes means you have to pivot and renegotiate.
What can sellers do after a low appraisal?
☑️ A copy of the appraisal
☑️ Ask the buyer to challenge the appraisal
☑️ Renegotiate the sale price with the buyer
☑️ Offer seller financing
☑️ Cancel and relist
☑️ Consider an alternative all-cash offer
The home you’re buying does not appraise? No problem! There’s no need to panic, I will always make it work for you!
****** ALTERNATIVE CAPTION
I get this question every now and then so I figured a post would be a perfect opportunity to address it!
☑️ If an appraisal comes back low, a buyer can go back to the seller and negotiate a lower sale price
☑️ If the seller refuses, the buyer could end up walking away from the home completely
Guess who can walk you through this whole process to ensure you get exactly what you need while not compromising your budget? That’s right… Let’s talk houses today!
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OCTOBER 10 | HOME IS WHERE MEMORIES ARE MADE
The best thing in life are the people we love, the places we’ve been, and the memories we’ve made along the way!
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OCTOBER 11 | First Steps Towards buying a home | Columbus Day
Taking the first step towards homeownership can be scary!
Here are 3 small steps you can take to get started:
🔸 Save up money for your downpayment!
You want to make sure you have enough money saved up for your downpayment and closing costs.
🔸 Credit score is so important when trying to get a mortgage.
Improving your credit score by lowering your debts and credit card utilization can help you qualify for mortgages!
🔸 Call me!
This is an awesome way to make sure you prepare everything correctly and are in a good place to make a home purchase!
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OCTOBER 11 | Columbus Day
Looking back in history, today marks the first voyage to America, the discovery of the very land we love. Without this historical travel date many years ago, we wouldn’t have the opportunities and freedoms afforded to us in this great country of ours, the USA. Happy Columbus Day!
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OCTOBER 12 | BUYING “AS IS” WHAT DOES IT MEAN FOR SELLERS?
You may have come across the concept of selling homes “as-is,” where sellers don’t do any repairs before closing. But, what does that mean for the seller?
It’s important to note that seller disclosure is still needed, meaning if all known defects are not disclosed, this can land you in some legal trouble. While there are many valid reasons a seller can sell their home “as-is,” it’s always important to keep transparency in mind!
*** Alternative caption
As a seller, buyers can sometimes request repairs or changes before the sale of the home, but selling your home ‘as is’ means they’re buying the home in its current condition! This can save you time, energy, and money because you won’t be expected to change anything!
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OCTOBER 13 | How Does Reverse Mortgage Work?
A reverse mortgage is a loan for homeowners 62 years old or older that doesn’t require the homeowner to make any loan payments. However, loan payments are due when the borrower passes or moves away, and heirs are left to decide the next steps.
If you’re wondering what to do in the case that you have to pay back a reverse mortgage, here are a few ways:
✅ Sell the home. You can use the proceeds to pay back the loan.
✅ Refinance with a forward mortgage loan.
✅ Take a loan on the property to cover the balance on the mortgage.
Interested in going the selling route to pay back a reverse mortgage? Then let’s chat about your options today! You can reach me at 847-912-6508. 📱
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OCTOBER 14 | 78% OF HOMEBUYERS SAY…
What’s most important to you? A good neighborhood or A larger home? Whatever you value, we’ll find it together!
While the quality and features of the home are important to look out for while house hunting, neighborhood quality is just as important! Before submitting your offer, I suggest doing a little homework about a prospective home’s surroundings to ensure that you get the complete value you deserve.
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OCTOBER 15 | Which home upgrades generate the biggest ROI?
If you aren’t looking to sell quite yet but want to make sure your remodel has value when you’re ready to sell, here are a few great areas to remodel! let’s break it down.
Here’s Remodeling Magazine’s 2021 Cost vs. Value Report and the average ROI percentage breakdown:
🔸 Major kitchen remodeling (midrange) = 57.4%
🔸 Bath remodel (midrange) = 60.1%
🔸 Bathroom addition (midrange) = 53.1%
🔸 Roofing replacement (metal) = 56.1%
🔸 Deck addition (wood) = 65.8%
🔸 Garage door replacement = 93.8%
You’ll notice a few percentages that stand out from this list like the garage door replacement and deck addition. Curb appeal projects tend to have high paybacks as they can impact the first impression of a home. Replacement, repairs, or renovations can be intimidating, but keep in mind that certain improvements can definitely pay off.
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OCTOBER 16 | Autumn Home Decor Tips
Autumn is here! When you peek outside the window…what do you see? Crisp mornings & colorful trees I hope?
Are you as excited to decorate your home this time of year as I am? Well… Below are a few of my favorite Fall Decor Tips this season I am SO happy to share with you:
✔️ Try a spin-off of classic pumpkin decor by experimenting with other themes such as lanterns and pillows.
✔️Elevate the traditional fall decor with softer hues like white and seafoam
✔️Go for a modern look with bold patterns
✔️Try a preppy look with white pumpkins and gingham ribbon
✔️Plush pumpkins can add a hint of autumn tones to pieces around the home for an easy transition into fall
What are your favorite Autumn home decor tips & Tricks? Share in the comments!
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OCTOBER 17 | Price is what you pay Value is what you get!
Price and value are not always one and the same! When it comes to real estate, a good eye and a great real estate agent can get you great value at an incredible price!
Remember, it’s more than just a house you’re buying…it’s a lifestyle! It’s so easy to compile what factors you’re looking for in a new home, but it’s important to consider how that home will enhance your lifestyle, too.
To active house hunters now, what are some lifestyle considerations you’re keeping in mind during your search?
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OCTOBER 18 | Lake view or Beach View?
There isn’t much that beats a view of beautiful, sparkling water 😍 But the question is… Where is the water?
Are you more of a beach babe or a Lake lady (or gent?)
Anyways….if you find yourself in either place, you are living the dream! Comment your emoji to vote below!
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OCTOBER 19 | Halloween Home Decor Tips
This year, we’re creepin’ it real! Who’s ready to add a few Pumpkins to your home decor? They’re an eco-friendly way to decorate and you can even make delicious pumpkin seeds from them! Try painting them for some added fun!
Here are my favorite Halloween decorating tips to help you have the spookiest home in your neighborhood.
🔸 Choose a theme
You could go with an abandoned house theme which can be done with fake cobwebs, artificial insects, flickering lights or candles. Other themes could be a harvest, gory backdrop, murder scene, playful and kid-friendly horror
🔸 Lanterns
You can find themed lanterns of all shapes and sizes, including pumpkins, Jack Skellington, witch hats, or insects! Add a nice spooky touch without being excessive. An affordable decoration to find online or in local stores
🔸 Scary Doormats
You can find many different types of scary-themed doormats online, from witches’ faces to fake blood-designed ones. They will often not cost more than $20 and can be reused for years to come
🔸 Artificial Spiderwebs
Artificial spider webs are affordable and easy to find in any store! They can really add a discrete spooky factor to your home if you do not want to go over the top
I hope this guide has helped you get inspired for October! Remember – be creative and embrace your crafty skills!
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OCTOBER 20 | Types of Reverse Mortgages
Reverse mortgages! By now you probably know what they are… but do you know which type of reverse mortgage is right for you? 🤔
Here’s Tip #3 of this series:
1️⃣ Single-purpose reverse mortgages
This type of loan is the least expensive and can only be used for one purpose that the lender specifies. Homeowners with low income can qualify for single-purpose reverse mortgages.
2️⃣ Proprietary reverse mortgages
Certain companies back this type of loan, and it’s used for a larger advance for a home with a high appraisal value.
3️⃣ Home equity conversion mortgages (HECM)
This type of loan usually has high upfront costs and is federally insured reverse mortgages backed by the U.S. Department of Housing and Development.
Still wondering which reverse mortgage is right for you? Contact me today, and let’s chat about your options!
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OCTOBER 21 | ARE YOU TIRED OF HAVING A LANDLORD?
Let’s play a game! Would you rather pay to own your own home or pay for someone else’s? Build your own wealth or watch it disappear month after month? Have a home to do what you want to or have rules on what you can and can’t renovate?
The choice is clear! Send me a message and we’ll make it happen!
*** ALTERNATIVE CAPTION
Getting tired of increased rent prices or just seeking more freedom in making your personal space your own?
While starting your home search may be daunting, taking that first step is ALWAYS worth it. Why Pay Your Landlord When You Could Pay Yourself?
Call today and find out just how easy it is to purchase a home!
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OCTOBER 22 | Reasons your home has not sold?
You love your home, but it doesn’t seem like any buyers do! So, what’s wrong?
✔️ You may be listing it at the wrong price
✔️ Using bad photos
✔️ Your home lacks proper staging
The best thing you can do is work with a professional who can help you figure out exactly what’s going wrong. Don’t worry, I’m here to help!
**** ALTERNATIVE CAPTION
What’s the reason your home hasn’t sold? Ask yourself about the price and how it’s being marketed. When it comes to price, there are numerous factors that should come into play.
This includes:
✔️ Your neighborhood
✔️ House condition
✔️ Location
✔️ Market conditions
As for market exposure, evaluate whether or not your home is being shown to the right people. Think about your potential buyer and shift your marketing focus to make sure your home is being shown to that specific audience!
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OCTOBER 23 | A Day in the Life of a Real Estate Agent
What does come to mind when you think of a real estate agent? The truth is, I do a lot more than just showing and staging homes.
Whether I’m doing market research, returning emails, or scheduling walkthroughs, everything I do is a step towards your real estate goals!
With that said, why choose me as your agent?
🔸 You’ll benefit from my extensive experience and knowledge with contracts, avoiding any issues that might arise
🔸 There’s no expense to you as a buyer to use my services
🔸 You have a skilled negotiator to negotiate on your behalf
🔸 When you’re buying a house, the seller’s agent has their clients’ best interest in mind so it’s important to have someone like me to have YOUR best interest at heart!
I’m so lucky to spend every day making clients happy and helping them find the home of their dreams.
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OCTOBER 24 | CLOSING PROCESS – THING TO AVOID
When closing on a house, it is SO important to keep your financial situation as steady and normal as possible.
Avoid these 5 common mistakes and any other big financial decisions until after your closing day:
🗝 Don’t Buy Or Lease A New Car
🗝 Don’t Sign Up for Deferred Loans
🗝 Don’t switch jobs
🗝 Don’t forget to alert your lender to an influx of cash
🗝 Don’t Run Up Credit Card Debt
Any big changes might have a devastating impact on your pre-approval and closing process with the bank!
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OCTOBER 25 | My Tips for a Higher Home Appraisal
You know your home is the best, but how can we get the highest appraisal possible?
Well, here is the thing…Appraisers take into account many factors when determining the worth of a home.
Here are my tips for a higher home appraisal:
✔️ Make updates that pay of
✔️ Learn what buyers want
✔️ Visit nearby open houses and review recent home sales
✔️ Hire experienced Realtor, such as myself, capable of conducting thorough market analysis
✔️ Your realtor should be able to help the appraiser understand your home’s market value
Contact me today and I’ll work hard to make sure your home is valued fairly and effectively!
**** ALTERNATIVE CAPTION
If you’re looking to sell or purchase a home, you’ll want to request an appraisal. Appraisers take into account many factors when determining the worth of a home. While some of these, such as location, can’t be helped, there are things that can be done to ensure that the home is appraised for maximum value.
Here are my Tips for a higher home appraisal:
✓ Make updates that pay of
✓ Learn what buyers want
✓ Review recent home sales
✓ Hire experienced Realtor, such as Myself, capable of conducting thorough market analysis
✓ Your realtor should be able to help the appraiser understand your home’s market value
Would you like me to answer any other appraisal questions? Comment below!
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OCTOBER 26 | NATIONAL PUMPKIN DAY
Happy National Pumpkin Day! 🎃
I just love fall and all things having to do with the weather getting cooler, the leaves turning into beautiful colors, and PUMPKIN EVERYTHING!
Be sure to leave a 👋 if you’re a pumpkin spice lover, too! What is your favorite way to utilize pumpkins this fall?
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OCTOBER 27 | How Do You Pay Back Reverse Mortgage?
So…How Do You Pay Back a Reverse Mortgage? Here’s Tip #4 of this series.
A reverse mortgage is unique because lenders make payments to the homeowners instead of the other way around!
Here’s how the process goes:
✅ It starts with a homeowner who has considerable equity in their home or has paid it off entirely
✅ The homeowner decides they need the liquidity by removing equity from their home, so they apply for the loan of their choice
✅ If approved, the homeowner decides how they’d like to receive payment
✅ The homeowner uses the money as stated in their loan agreement
✅ The loans last until the borrower dies or moves, and at the point, they or their heirs can repay the loan
What do you think? Could a reverse mortgage be right for you? 💭
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OCTOBER 28 | Contract contingencies
Contract contingencies are quite common in real estate transactions and are put in place to allow prospective homeowners to cancel a contract without penalty and get back their earnest money deposits 💰. Contingencies reduce risks for buyers, and what is allowable varies from state to state. However, many contingencies are common to every state.
Here are (3) different contract contingencies that you should be aware of:
🔸 Health-Related Contingencies
This contingency takes a closer look at common health problems in older homes or specific inspections which include the following: mold, asbestos inspections or lead-based paint inspections.
🔸 Inspection Contingencies
These common contingencies focus on the condition of the house and property to make sure there are no damages or safety issues that need to be dealt with.These include: roof, wood and home inspections.
🔸 Monetary Contingencies
These contingencies release buyers and sellers from a contract if there are problems with finances. These include discussions on the loan, appraisal and contingencies regarding selling an existing home.
Do you need another term clarified? Feel free to reach out in my DMs!
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* phone or tablet: To Save the image that you like Press & hold on the image and that will give you the option to save to your mobile device… OR customize by clicking the button below
* computer: To Save the image that you like “right-click” the image -> “save as” … OR customize by clicking the button below
OCTOBER 29 | Multiple offers on your home?
If your home receives multiple offers, it can feel very overwhelming. Especially in the hot-selling market right now, multiple offers have been very common!
It’s important that you know some key things to look at when comparing offers
🗝 Financing terms
🗝 Appraisal Gap Guarantees
🗝 Inspections
🗝 Contingencies
🗝 Possession Date (With me as your agent)
I can guide you through each of these across all the offers and discuss the benefits and disadvantages of each. Offers are more than just the money amount on them!
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* computer: To Save the image that you like “right-click” the image -> “save as” … OR customize by clicking the button below
OCTOBER 30 | Why would a home come back on the market?
When a home comes “back on the market,” that means the house was under contract but now has come back on the market. Before you immediately assume this is a huge red flag, Check out some common reasons homes come back on the market below!
1️⃣ Buyer’s remorse
Sometimes buyers get cold feet, or sometimes they find another home that they like way more. It happens!
2️⃣ Inspection results
Home inspectors can always find something wrong with a property, even new construction. Though sellers are usually willing to fix the issue or make it up to the buyer somehow, occasionally, some buyers will choose to back out entirely.
3️⃣ The buyer had more than one option
Depending on the local market, some buyers’ agents suggest that buyers put down offers on multiple homes. If buyers end up with more than one contract, they have to back out of others, resulting in those homes being placed back on the market.
There are tons of reasons why homes are placed back on the market, and it doesn’t always mean something is wrong with the house! That’s why one of the most essential things you can do as a buyer is asking questions! 👏
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OCTOBER 31 | Happy Halloween!
Looking for a Boo-tiful New Home? When it comes to buying or selling a house, the Trick is finding the right real estate agent to represent you. Get Treated with the exceptional client service you deserve.
Call me today to carve out some time to discuss your options!
(Your name)
Re Company
📱 (847) 111.1111
✉️ yourname@email.com
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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 #hellooctober #autumncolors #autumndecor #autumnvibes #autumnvibes🍁 #bhghome #cottagestyle #decor #fall #fallcolors #falldecor #falldecorating #falldecoratingideas #falldecorations #fallfashion #fallstyle #fallvibes #farmhousedecor #farmhouseinspired #farmhousestyle #halloweendecor #homesweethome #liketkit #modernfarmhouse #pumpkindecor #pumpkinpatch #pumpkins #pumpkinseason #pumpkinspice #seasonaldecor #shopsmall #dreamhome #homedesign #homesweethome #interior #luxuryhome #luxuryhomes #luxuryinteriors #luxurylife #luxurylistings #luxuryliving #luxurylivingandtravel #luxurylivingboston #luxurylivingcolorado #luxurylivingforless #luxurylivinghouston #luxurylivingmagazine #luxurylivingnyc #luxurylivingroom #luxurylivingroomfurniture #luxurylivings #luxuryrealestate #luxurystyle #miami #millionaire #milliondollarlisting #realestate #realestateagent #realestatehyderabad #realtor #recreation #decor #decoration #designer #homedesign #homeinterior #homesweethome #interior #interiordecor #interiordecorating #interiordesign #interiordesignart #interiordesignblogger #interiordesigncommunity #interiordesigner #interiordesigners #interiordesigngames #interiordesigngoals #interiordesignidea #interiordesigninspo #interiordesignjakarta #interiordesignsurabaya #interiordesigntrends #interiorinspiration #interiorinspo #interiors #interiorstyling #livingroom #livingroomdecor #modernhome #homeownertips #homeselling101 #homebuyersguide #chicagoliving #chicagohomesforsale #chicagohomedesign #chicagoproperty #chicagorealestate #choosechicago #luxurylivingchicago #lakefrontliving #waterview #perfecthouse #luxurylifestyle #motivation #realtorlife #liveinthenow #photooftheday #inspiration #femalehustlers #positivethinking #hustlehard #mindset #luxuryrealestate #realtorsofinstagram #realtyexecutives #newlisting #homesweethome #realestateagent #octoberrealestate #sellingmycity #fallhomebuyers #spookysellingseason #salemorrealestate #crunchyleaves #soldproperties #octoberrealestate #realestatestats #itsrighthere #marketstats #happyhalloween #october31 #halloween #pumpkincarving #pumpkins #halloweenfestivities #halloweenactivities #halloweenhomebuying #singlemomlife #homeownership #dreamhome #homebuying #newhome #homerenovations #thehomematchmaker #yourdreamhomematchmaker #dreamhomematchmaker #budgetingtips #homebuyers #buyingahome #firsttimehomebuyers #firsttimehomebuyer #forsale #homeowner #househunting #homeownership #dreamhome #listingagent #newhome #homebuyers #realtorlife #realestatelife #steptobuyahome #sellersagent #buyersagent #nobuyerleftbehind #sellyourhome #realestateforsale #realestatenews #realestateexperts #realestateteam #realestatetips #realestatemarket #realestategoals #homebuyingtips #homeownershipgoals #toprealtors #sellingrealestate #realestatefind #realestatebroker #realestateinvesting #realestatesales #realestatemarketing
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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