Gema Smith's Blog

Posted on 01/20/2025

One Homebuying Step You Don’t Want To Skip: Pre-Approval

There’s one essential step in the homebuying process you may not know a whole lot about and that’s pre-approval. Here’s a rundown of what it is and why it’s so important right now. What Is Pre-Approval? Pre-approval is like getting a green light from a lender. It lets you know how much they’re willing to let you borrow...

For Buyers

Home Prices

+ 7 more

Posted on 01/20/2025

Roughly 11,000 Homes Will Sell Today – Will Yours Be One of Them?

Are you hesitant to sell your house because you’re worried no one’s buying with rates and prices where they are right now? Here’s some perspective that can help. The market actually isn’t at a standstill. While there weren’t as many sales last year as there’d be in a normal market, roughly 4.15 million homes still sold (not including...

For Sellers

Gema Smith

+ 4 more

Posted on 01/19/2025

Day of closing: How buyers can prepare

At the end of a long homebuying process, you’ll finally...

Cash To Close

Closing Day

+ 3 more

Posted on 01/13/2025

What To Save for When Buying a Home

Knowing what to budget for when buying a home may feel intimidating — but it doesn’t have to be. By understanding the costs you may encounter upfront, you can take control of the process. Here are just a few things experts say you should be thinking about as you plan ahead. 1. Down Payment Saving for your down...

For Buyers

Agent Value

+ 6 more

Posted on 01/13/2025

How Much Home Equity Have You Gained The Answer Might Surprise You

Have you ever stopped to think about how much wealth you’ve built up just from being a homeowner? As home values rise, so does your net worth. And, if you’ve been in your house for a few years (or longer), there’s a good chance you’re sitting on a pile of equity — maybe even more than you realize....

For Sellers

Home Prices

+ 6 more

Posted on 01/12/2025

Is an FHA Loan Right For You?

If you're in the market for your first home, there's a good chance you'll need to take out a mortgage. One of the most popular mortgage types (especially for first-time buyers) is known as a Federal Housing Administration (FHA) loan. What is an FHA Loan? Specifically, an FHA loan refers to one that is backed and insured by...

FHA

Fha

+ 8 more

Posted on 01/09/2025

Navigating Senior Housing and Real Estate: A Guide for Retirees

As we transition into retirement, our living environment becomes a key factor in maintaining both health and happiness. With the natural changes that come with aging, such as graying hair and shifting needs, finding the right home for this stage of life becomes a crucial decision. Whether downsizing, relocating to an age-friendly community, or modifying an existing home,...

Senior Housing

Retirement Living

+ 10 more

Posted on 01/09/2025

Money Management Tips for Seniors: 5 Key Strategies for Financial Well-Being

As we age, managing finances becomes even more crucial. Effective money management enables seniors to maintain their independence, safeguard their financial stability, and enjoy a more comfortable lifestyle. By adopting prudent financial habits, seniors can better manage their retirement funds, prepare for unforeseen expenses, and set themselves up for long-term security. 1. Create a Budget to Monitor Income...

Money Management For Senior

Retirement Planning

+ 8 more

Posted on 01/09/2025

Effective Strategies to Reduce the Risk of Heart Disease

Heart disease remains one of the leading causes of death worldwide. While certain risk factors, such as genetics, age, and biological sex, cannot be altered, there are numerous lifestyle choices you can make to significantly lower your risk. Here are practical strategies to safeguard your heart health and promote overall well-being: 1. Avoid Tobacco Products One of the...

Lifestyle Changes For Heart Disease Prevention And Overall Wellness

Practical Tips For A Heart Healthy Lifestyle

+ 7 more

Posted on 01/09/2025

Timeless Living: Celebrating Our Vibrant Selves

Discovering the Keys to Youthful Living Aging is a natural and inevitable part of life, yet it is often misunderstood or burdened by societal stereotypes. In a culture that tends to glorify youth, we can overlook the profound beauty, wisdom, and fulfillment that come with growing older. Embracing the journey of aging allows us to lead a more...

Timeless Living

Ageless Beauty

+ 10 more

Posted on 01/06/2025

Time in the Market Beats Timing the Market

Trying to decide whether it makes more sense to buy a home now or wait? There’s a lot to consider, from what’s happening in the market to your changing needs. But generally speaking, aiming to time the market isn’t a good strategy – there are too many factors at play for that to even be possible. That’s why...

For Buyers

Equity

+ 6 more

Posted on 01/06/2025

Home Staging FAQ: What You Need To Know

You may have heard that staging your home properly can make a big difference when you sell your house, but what exactly is home staging, and is it really worth your time and effort? Here are a few quick FAQs that can help you decide how much you should prioritize staging as you prep for your move. What...

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