Terry Tanghe / Realtor

Did you love the experience you had using me as your real estate agent? I would love your referral to family and friends. Tag someone you know that needs an agent!

If you’re a first time homebuyer, here’s what you need to know about the home buying process! 5 things you should consider before buying your first home:
👉 FIRST TIME HOMEBUYER TIPS:
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Consider what your monthly payment will be- if more than 25% of your monthly income would go towards your home will you be able to afford it?
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Consider a fixed rate mortgage instead of an adjustable rate home mortgage, which is more volatile and leaves you vulnerable.
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Consider comparable homes in the neighborhood you are looking to buy in. Be sure you aren’t overpaying for the neighborhood.
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Can you put down 20% to avoid PMI? If not, calculate how much PMI you will pay until you hit a loan balance of 80% of the purchase price of the home.
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Create a mock budget using your monthly mortgage payment and additional costs you will incur being a homeowner, including insurance, property taxes, HOA fees, repairs, etc.

I am here to answer any and all questions you may have about real estate!
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Drop your question(s) in the comments or shoot me a message!

Have your eyes on an open house in the area? 👀

Here are some key questions to ask the home owners/realtor of the property to make sure the home is a perfect fit for you and your family.
Does the neighborhood or this street get a lot of traffic?
How fast are the sellers looking to close?
What types of amenities are close by?
What type of neighborhood restrictions are there?

Thinking of house hunting soon? Contact me today!

If you're considering whether it's time to stop renting and purchase a home, I want you to keep in mind that the interest rate on renting is 100%.⁣.
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However, renting has its perks. No maintenance costs, no down payment, flexibility to move; no concern about property value. But the truth is, your monthly rent payment is just like paying 100% interest month after month. ⁣
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You see, when you toss the financial jargon, interest, at its simplest, is the fee you pay to live in your home. When you rent, that’s what you’re doing. You’re paying a fee month after month, gaining nothing other than a roof over your head.⁣
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When you buy, yes, you’re paying a fee (your mortgage) month after month, but you’re gaining SO much more than just a place to call home. You get:⁣
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- An appreciating investment
- Increasing equity (every month, the bank owns less of your home, and you own more!)⁣
- Predictable housing costs (a fixed-rate mortgage will never change)⁣
- Advantages come tax time⁣
- Freedom to personalize however you choose⁣.
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In almost every situation, it pays to buy vs rent. Want to talk more and run the numbers? Let’s do it! Leave a comment or send me a DM, and I'll be in touch.

Did you know you don't have to make a 20% down payment to buy a house? Your down payment depends on different factors. This means the idea of buying your dream house is within reach. Call me for more details!

Does your dream backyard include a swimming pool, basketball court, or a screened-in back porch? Whatever it is, I'd love to hear it. Drop a comment below!

Then join hand in hand, brave Americans all!
By uniting we stand, by dividing we fall.
-John Dickinson,
Founding Father

Buying a home can be an intimidating process, but you can do it! Here is how:⁠
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1. Find a realtor who is friendly and willing to help you through the process⁠
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2. Find out what kind of property you want by looking around in your neighborhood and considering what kind of neighborhood you’d like to live in.⁠
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3. Talk to an expert about what you can afford and your price range—this is super important!⁠
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4. Once you have an idea of what you can afford, start looking at properties online and in person.⁠

Should You Buy a House?
It is no secret that buying a house is one of the largest financial decisions you will make in your lifetime. Housing is typically one of the greatest expenses on anyone’s budget so the decision of buying a house should not be taken lightly.

With the current state of the market you can never be too safe when making offers. Make sure to follow these tips to win your bid.
✅ Match the competing offer (or if you can, offer more)⁠
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✅ Limit or completely remove the contingencies on your offer⁠
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✅ Already be pre-approved for a mortgage⁠
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✅ Add an escalation clause⁠
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✅ Skip the inspection⁠
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✅ Be readily available to discuss⁠
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Questions? Leave them in the comments!⁠

It’s cliche' advice, but it’s really, really good advice. And it’s all wrapped up in one little word (repeated three times, of course): LOCATION, LOCATION, LOCATION! It’s true. Location is the #1 feature to consider when looking for a home. It outranks:⁣
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-Square footage⁣
-Bed/bath count⁣
-Upgrades⁣
-Outdoor living areas⁣
-Neighborhood amenities⁣
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Why? Two reasons: ⁣
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-Because it's huge in determining your home’s value over time. You're likely better off down the road having an average house in a great location than having the best house in a less-in-demand location.⁣
-That 5-digit zip code isn't going to change. The kitchen? You can change that. Flooring? That too. But the address. Nope. That’s the same forever and always.⁣
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DM me — I’d be happy to show you some of our most established neighborhoods and a few that are up-and-coming.