Ryan Larussa nmls#96565

Congrats! Wishing you many years of happiness in your new home!
Chuck Stall - REALTOR
Siedda Hines NMLS #1581575
Erineka Mulligan

Budgeting for a new home means looking beyond just the down payment.💲

🏡When purchasing a home, you also need to account for closing costs, which cover things like appraisals, title insurance, and lender fees. Whether you are financing through a conventional, FHA, VA, or USDA loan, closing costs are a standard part of the process. The good news? There are ways to navigate these costs, including lender credits or negotiating seller concessions to keep more cash in your pocket at closing.

Want a clear, transparent breakdown of what it takes to buy?

Contact Ryan Larussa to get a customized estimate today.

🏡💰

The cheapest rate online won't tell you which Baton Rouge neighborhoods appraise conservatively. 📍

An online lender can process your application from anywhere in the country. What they can't do is tell you how this market has been moving, what's normal here, or what's actually a red flag.

A local lender can. And it goes beyond market knowledge.

Local relationships with appraisers, title companies, and agents who are working the same deals in the same market every day. When something needs to move fast or a problem needs to get solved, those relationships are the difference between a deal that closes and one that doesn't.

Your rate matters. Who's handling your deal matters just as much.

If you want someone who knows this market and the people in it, reach out and let's talk. 👇


Adam Woods NMLS #1779427

☀️ Monday Motivation after Father's Day Weekend

I hope everyone had a great Father's Day weekend. Whether you were celebrating a father, remembering one, or reflecting on the impact of a mentor in your life, take a moment to appreciate those who have helped shape your journey. ❤️

As we kick off a new week, here are 3 thoughts to consider:

✅ What legacy are you leaving today?
It may feel like an ordinary Monday, but your actions, words, and example are impacting someone.

✅ Who are you getting advice from?
In a world full of information, surround yourself with 3-5 people who provide wisdom, truth, and perspective.

✅ Are you investing in deeper relationships?
Don't settle for surface-level conversations. Reach out to someone today. Ask questions. Listen. Show gratitude. You never know how much it may mean to them.

We have more ways to connect than ever before, yet genuine relationships are becoming harder to find. This week, challenge yourself to go a little deeper. You might just make a bigger impact than you realize.

Have a great week! 👊🙏

How ready are you to buy a home?

Most buyers fall into one of three categories. Which one are you? 👇

1. Curious but clueless.
Scrolling Zillow, dreaming about it, but no real idea what you'd actually qualify for. No shame — everyone starts here.

2. Prepping but not pre-approved.
Saving money, checking your credit, reading articles about rates. But you haven't sat down with a lender and run the actual numbers. This is where people stall the longest.

3. Pre-approved and positioned.
You know your budget, you have a strategy, you're working with a real estate pro who knows how to get an offer accepted in this market. This is where buyers win.

No matter where you are right now, we can help you get to stage three. The sooner you get there, the sooner you get the keys. 📲