Larisa Cockerham, Realtor

Once you recover from Cinco de Drinko, Let’s celebrate again by getting you in a new house or selling your old!!!


Larisa Cockerham, Realtor
225-846-1352 Cell
www.SoldBuyLarisa.com
 
Coldwell Banker ONE
5025 Bluebonnet Blvd. Baton Rouge, LA 70809
225-925-2500 Office
[email protected]
 
Licensed in Louisiana.
Each office independently owned and operated.

 

Are you pre-approved?

Purchasing a home is worth planning for.

In today’s Seller's Market being pre-approved can get you closer to your own front door but also who you're pre-approved with is equally as important.

When Listing Agents receives multiple offers, your loan terms, and even who your lender is will be considered.

Homebuyer Tip: Stay away from unheard lenders (If you need a lender referral, I’m here to help!)

No matter where you are I can get you closer to your future home.

Interested in buying or selling?
Let's connect in my DMs, via email or phone!

Larisa Cockerham, REALTOR®
Coldwell Banker One
(225) 846-1352
[email protected]
www.SOLDBUYLARISA.com

Coldwell Banker ONE
5025 Bluebonnet Blvd. Baton Rouge, LA 70809
225-925-2500 Office
[email protected]
 
Licensed in Louisiana.
Each office independently owned and operated

 

Have you thought about finally firing your
landlord and buying your first home in 2022?

Have you considered buying another home that’ll better fit your needs?

Swipe for 7 steps to purchasing a home this year!

Your home search will be smooth-sailing if you're prepared.

Let me know how I can help. I'm here for vou!

Interested in buying or selling?
Let's connect in my DMs, via email or phone!

Larisa Cockerham, REALTOR®
Coldwell Banker One
(225) 846-1352
[email protected]
www.SOLDBUYLARISA.com

Coldwell Banker ONE
5025 Bluebonnet Blvd. Baton Rouge, LA 70809
225-925-2500 Office
[email protected]
 
Licensed in Louisiana.
Each office independently owned and operated

 

NAR 37%- According to the NAR, 37% of contracts fall through because of repair issues sellers could have addressed before listing
their property.

If you're thinking of selling this spring, don't let that happen to you!

Here's how:
- Meet with an agent who knows your neighborhood and zip code. Allowing them to do a quick walkthrough could save you piles of cash.
- Invest in repairing major systems first. Think HVAC, plumbing, roofing, foundation, or electrical
- When in doubt, always remember, if there's one room that needs to impress buyers, it's (still!) the kitchen.
The good news is getting your home ready to list doesn’t have to be costly or overwhelming. It just takes knowing who to ask for help! DM me, and let's set a time to chat. I look forward to hearing from you.
Larisa Cockerham, Realtor
225-846-1352 Cell
www.SoldBuyLarisa.com
 
Coldwell Banker ONE
5025 Bluebonnet Blvd. Baton Rouge, LA 70809
225-925-2500 Office
[email protected]
 
Licensed in Louisiana.
Each office independently owned and operated.

 

✨Who says nothing in life is free??!

Larisa Cockerham, Realtor
225-846-1352 Cell
www.SoldBuyLarisa.com
 
Coldwell Banker ONE
5025 Bluebonnet Blvd. Baton Rouge, LA 70809
225-925-2500 Office
[email protected]
 
Licensed in Louisiana.
Each office independently owned and operated.

 

What's the average down payment on a house?

If you thought 20%, that’s a common perception and putting more down could lower or eliminate your PMI (We will talk about this in more detail below).

BUT, 20% being the average is far from the truth.
In 2021, the National Association of Realtors found the average down payment on a house/condo was just 12%.

For home buyers aged 30 and under (often First Time Homebuyers), that number drops to 6%.

So how much do you need to put down? It varies based on loan type.

•0% down payment: No money down mortgages include VA
loans (for veterans, service members, and some surviving spouses) and USDA loans.
• 3% down payment: The conventional 97 loan, as well as the HomeReady mortgage from Fannie Mae and Home Possible mortgage from Freddie Mac, allow just 3% down payment
•3.5% down payment: The FHA loan allows 3.5% down payment and has lower credit score requirements than Fannie Mae or Freddie Mac loans. Borrowers can qualify with scores starting at 580.
•Private loan programs: Some lenders offer 3%-down loans that require no ongoing private mortgage insurance payments.

What is PMI? And what does that mean for me as a buyer putting down less than 20%?

PMI = private mortgage insurance

When borrowers put down less than 20% on a mortgage loan, they're usually required to pay for mortgage insurance.

That means most people making an average down payment of 6-12% will be paying this extra monthly charge.

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Save this post for later!

Interested in buying or selling?
Let's connect in my DMs, via email or phone!

Larisa Cockerham, REALTOR®
Coldwell Banker One
(225) 846-1352
[email protected]
www.SOLDBUYLARISA.com  

Are You Ready To Fall In Love?

 Larisa Cockerham, Realtor
www.SoldBuyLarisa.com
225-846-1352 Cell
[email protected]

Coldwell Banker ONE
225-925-2500 Office
5025 Bluebonnet Blvd. Baton Rouge, LA 70809

Licensed in Louisiana.
Each office independently owned and operated.

 

Larisa Cockerham of Coldwell Banker One Larisa Cockerham is a local real estate agent with Coldwell Banker One. Talk to Larisa about buying or selling a home!