Ruby Cuadra - Liv Texas

🏡 What Does Your Mortgage Payment Include?

Many people think their mortgage payment only covers the loan, but it often includes much more!

Your monthly payment may consist of:

💰 Principal – The amount that goes toward paying down your loan balance.

📈 Interest – The cost of borrowing money from the lender.

🏠 Property Taxes – Taxes assessed by your local government.

🛡️ Homeowners Insurance – Protects your home from covered damages and losses.

💳 PMI (Private Mortgage Insurance) – May be required if your down payment is less than 20%.

This is often referred to as PITI:
✔️ Principal
✔️ Interest
✔️ Taxes
✔️ Insurance

Understanding what’s included in your payment can help you budget more confidently and avoid surprises during the home-buying process.

Have questions about buying a home or what your monthly payment could look like? Send me a message! 📩

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Do you know how a mortgage calculator can help you in the early days of your home loan journey? https://www.fha.com/fha_article?id=4256

Rainy days don’t stop real estate ☔🏡

While the weather slows some people down, it’s actually a great time to house hunt, schedule inspections, review contracts, or plan your next move. A cozy home feels even more special on a rainy day.

Whether you’re buying, selling, leasing, or just dreaming about your future home, I’m here to help every step of the way — rain or shine. 🌧️✨

Who else loves a good rainy day at home? Coffee, candles, and comfy blankets for me! ☕🕯️🏠

Send me a message to start your home buying journey!

🎓 Congratulations to all of the graduates! 🎓

Today we celebrate the long nights, the hard work, the sacrifices, the lessons learned, and the incredible accomplishment of reaching this milestone. Whether you’re graduating from kindergarten, high school, college, trade school, or any new chapter in life — this is something to be proud of!

And to the parents, family members, teachers, mentors, and loved ones who supported them every step of the way… congratulations to you too. Your encouragement, prayers, patience, rides to school, late-night talks, financial support, and unconditional love helped make this moment possible. Behind every graduate is a village that never gave up on them.

As these graduates step into a new season of life, my prayer is that God would guide their steps, open the right doors, protect them from wrong paths, and fill them with wisdom, courage, and purpose. May they never forget who they are, where they came from, and the calling God has placed on their lives.

Success is not just about achievements, titles, or money — it’s about walking in purpose, showing kindness, staying faithful, and making a difference wherever God leads you.

The future is bright, and this is only the beginning. ✨

May God bless every graduate abundantly in this next chapter of life. We are cheering you on! ❤️

Buying a home comes with a few line items you'll want to prepare for. 🧾🏠 Visit My Home for a full breakdown of the upfront expenses you should add to your budget. https://bit.ly/48RmoFb

So excited to share that this beautiful home is officially LEASED! 🏡✨

A huge thank you to my amazing clients for trusting me to guide you through this process. It truly means so much to be a part of these important moments in your lives.

If you or someone you know is looking to lease a home, I’d love to help make the process smooth and stress-free. Don’t hesitate to reach out—I’m here for you every step of the way!

📩 Message me anytime to get started

Home is where mom is 🤍
Happy Mother’s Day to all the incredible women who turn houses into homes filled with love, laughter, and memories. It’s an honor helping families find the place where those moments begin 💐

“Buying a home is basically a faith walk AND an emotional rollercoaster 🎢😂

😍 ‘THIS IS THE ONE!! I just feel it!!’
🤔 ‘Okay but… should we look at one more just in case?’
😅 ‘Nope… THIS is the one for real!’
😬 ‘There are HOW many offers??’
🙏 ‘Okay Lord… if this is for us, make a way.’
📱 refreshing email while also praying
😵‍💫 ‘Wait… what is earnest money again??’
🧐 ‘Option period? Inspection? Lord help me understand 😅’
😳 ‘Why does signing these papers feel so serious??’
🙌 ‘Okay God, I trust You through this process.’
🎉 ‘WE GOT THE HOUSE!!!’
😭 ‘Walking in like… wow God, You really did this 🏡’

Real estate will test your patience… but it will also grow your faith. What’s meant for you will not pass you, and God’s timing is ALWAYS perfect 🙏

I’m just here to guide you, pray with you, and remind you that He’s in every detail of the journey 💛”

The avg. 30yr FRM increases to 6.30% https://bit.ly/4tInxXQ