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Early birthday dinner for my love. ...

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New+ old decor, coming together.. ...

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Thrift stores are a staple in my household.

Was looking for some solid wood bunk beds for the boys and went to pick these up. I thought for sure these were straight out of the late `80s or 1990s.

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How to Buy a Multi-Unit Property with Just 5% Down

Ever dreamed of owning a duplex, triplex, or fourplex, living in one unit, and having Renter(s) cover your mortgage? Fannie Mae recently made this dream more attainable. The big change? Now, you can put down just 5% on 2, 3, and 4 unit properties. Here are the key points:
1. One unit must be your primary residence.
2. You need 6 months of reserves in your bank account, in addition to the 5% down payment and closing costs. For example, if your total monthly payment is $3,000, you need $18,000 in reserves.

This is a significant shift from the past, where higher down payments and less favorable interest rates were the norm. Thinking about buying a multi-unit property or have questions? Reach out to me for personalized advice and calculations to see if it`s the right move for you.

#MultiUnitPropertyInvestment, #FannieMaeDownPaymentPolicy, #RealEstateInvestmentStrategy, #BuyingADuplexOrTriplex, #LowDownPaymentRealEstate, #PrimaryResidenceInvestment, #RealEstateFinancialPlanning, #MortgageAdviceForInvestors, #BuildingRealEstateWealth, #RealEstateMarketUpdates

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I remember 3 years ago when my youngest was born. I was worried that I wouldn`t have the capacity to love him as much as my firstborn. God somehow enlarges your heart and capacity to love. It`s amazing and wonderful to watch his personality develop and grow over time. ...

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Bike riding time with my boys. My oldest wanted to learn how to "jump" and then he proceeded to show me the ropes.

Also if you watch till the end my youngest gives it a shot as well.....

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My 3 Key Strategies for First-Time Homebuyers who are looking for a DEAL 🏑

Embarking on the journey to buy your first home? I`ve been there, and I want to share the top three strategies that helped me secure a great deal on my first property in 2015. These tips aren`t just about finding a house; they`re about finding a home with potential that you can create value with.

1. Look Beyond New Builds: New construction homes are tempting, but they often lack the `opportunity factor`. I`ll tell you why opting for a property with a larger lot can be a game-changer for future resale value.
2. Embrace the Outdated: Find out why an older, outdated home could be your ticket to a better deal and how it can offer more than just a lower price.
3. Aim for a Strong Conventional Offer: Learn why a credit score of 720+ can be crucial, especially when it comes to appraisals and loan conditions.

🌟 Whether you`re just starting to explore or are deep in your home search, these insights can make a significant difference. Got questions or need help boosting your credit for a home purchase? Reach out to me – I`m here to guide you through every step of your home-buying journey. 817 781-9392



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It`s the second week of January and I`ve been thinking about the quote: " The days feel long but the years are short"

There`s no real way to combat this but Enjoying the sunset is I find a simple way to slow down and reflect on the day.

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Campfire French Toast is our New Year tradition we started this year. πŸ”₯✨ There`s something about an open campfire on a brisk morning under an open Texas sky that kindles reflection for the past year.

#NewYearIntentions #Campfire #texas #FamilyTraditions

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One of the drawbacks of a gravel road is that they wash out so easily. Gutters are helpful but the downspout still has to be accounted for.

Fortunately I had some help! These are the steps I took to route the gutter downspout to a nearby culvert.

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Merry Christmas 2023 πŸŽ„ ...

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Buying acreage is one of the best decisions I`ve made when it comes to real estate thus far. It does create quite a bit of work but the payoff is nothing short of excellent ...

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Super Mario 2023 ...

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πŸŽ‰ Big Tax Break News in Texas! πŸ‘βœ‚οΈπŸ“ˆ Permanent ISD & County Tax Cuts + $100K Homestead Exemption! 🌟

This has been in the works for the Texas Legislature to vote on for some time. I didn`t expect this to pass as typically taxes don`t go down but I am so excited this has been passed for all Texas property owners. Texas has permanently lowered the ISD and County tax rates, giving you more savings every year if you own property! πŸ“‰ But that`s not all your pimary residence will give you more tax benefits as they`ve supercharged the homestead exemption, which has increased from $40,000 to $100,000 per year! If you have questions or need help in seeing how this has affecting your home this year send me a DM or call me at (817) 781-9392


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Not So Sunny Savings πŸŒžπŸ’°
Drawbacks of Solar Panels in Denton, Texas 🏑

Before installing solar panels on your house you should really think about how long you plan on being in the home. Especially if you`re financing those panels. I had another deal terminate because the seller of the property thought solar was a good idea a few years ago. They had a very low interest rate and the monthly payment on the solar plus their house was reasonable. They didn`t think about the fact that this 20-year loan has to be assumed by the future buyer and my clients were not willing to make this extra monthly payment.


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πŸ“ Unlocking USDA Home Loan Eligibility: Navigating the Map for Greater DFWπŸ—οΈπŸ‘

The resurgence of USDA home loan offers being accepted by Seller`s is reshaping the landscape of homeownership for those that qualify. Homes are not confined to rural areas or agricultural properties. It`s all about being in an Eligible area! So whether you`re looking to buy your first home or someone seeking a change of scenery, outside the city center, a USDA loan could be the key to unlocking the front door of the house you`ve always envisioned. Remember, the path to homeownership might be closer and more affordable than you think. Reach out today so we can take a look!

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- 🌟 USDA Home Loans Are Making a Big Comeback in this Housing Market!

- πŸŒ† Forget the Farm/Acreage Myth You May Have Heard: You Don`t Need Acreage. Neighborhoods in the City Limits are Good to Go!

The property itself must be in a USDA eligible area. You can check that out at

USDA home loans are the only loan program ( if you are a non-veteran) that will finance 100% of the sales price. The reason I`m seeing these as a bigger player for buyers right now is the fact that properties are starting to sit longer on the market. During the COVID time USDA loans were few and far between as sellers had the advantage with extremely low inventory and typically prefer cash or buyers using a conventional loan.

Full disclosure however, the USDA home loan is one of the most difficult loan programs to qualify for. It`s not for everyone. If you have any questions regarding USDA or you`re looking to get pre-approved give me a shout!

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The summer of death brings forth life! Sometime during the night this mama brought a set of boy girl twins into the world. ...

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I often get asked about the Loan Journey.

The First step is to have an honest conversation of what is important to you about where you live.

I believe that where you raise your family and break bread with your loved ones and those closest to you is extremely important.

#realestate #ownyourhome #homeownership #dentontx #txrealestate

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