Tonya Davis Homes

If I Was Going to Buy a House in the Next 6 Months, I Would NOT Do These 5 Things

1. Open new credit accounts
2. Get a new car
3. Make large or undocumented money moves
4. Change jobs or income streams without guidance
5. Co-sign for anyone

Why not? Because lenders review your entire financial picture, not just your credit score.

Every item on that list can:
• Increase your debt-to-income ratio (DTI)
• Lower your credit score
• Delay underwriting
• Or cause a loan denial right before closing

Even “normal” life decisions like a new car, a credit card, or helping someone by co-signing can change your approval status immediately.

The goal before buying isn’t just good credit, it's stable income, low debt, and clean bank statements.

✔️SAVE this
✔️SHARE with someone buying a home soon
✔️ LIKE for more home tips

3 levels
3 bedrooms
3.5 baths
2 car garage
Access to plenty of amenities, shopping centers, schools, restaurants, etc.
Link in my bio, contact me today!!!

I speak a new home upon everyone that this message reaches.


If you are a DMV resident or planning to move to the area, let's discuss your real estate needs for 2026.

Contact me today.

Tonya Davis,
Licensed MD Realtor®
(202) 810-9683
tonyadavishomescom

What’s your real estate move for 2026?

Are you planning to purchase, upgrade, downsize, invest in a rental, or lease while preparing for homeownership?

Every move matters! Whether you’re building equity now or positioning yourself for later. The key is having a plan that fits your lifestyle and goals.

If you’re looking to make a move today or want to discuss your real estate needs, let’s connect.

—
Tonya Davis, REALTOR®
(202) 810-9683
tonyadavishomescom

Socials:
IG: soldby_tonyadavis
FB: Tonya Davis Homes
Tiktok: Tonyathistonyathat

If I was buying my first home,
this is the FIRST thing I’d do.

I would not guess how
much I could afford.

I'd start by working with a
Realtor to connect you with a Lender so you can get a clear idea of how much buying power you have.

That means understanding
what you qualify for, what
you're comfortable paying monthly,
and what programs
you have access to.

Because once you know
your numbers, every decision
gets easier and smarter.

If homeownership is in your future,
make sure you are
saving these tips
and FOLLOWING ME
to stay upto date.

Tonya Davis, Realtor
EXIT Realty Enterprises
202-810-9683
[email protected]

Tag the friend who’s always talking about buying a home in 2026 or needs to sell in the DMV area.

This one’s for them.

Tonya Davis, Realtor
EXIT Realty Enterprises
Ph: 202-810-9683
Email: [email protected]

Sounds about right

Now available in La Plata, Maryland.

A 3 level home, featuring 3 bdrms and 3.5 baths, with a recently reduced pricing now coming in under $400,000.

$15,000 in closing cost assistance is available and has been extended through February 2026.

If you’re ready to move into your new home, contact me today.

—
Tonya Davis
Real Estate Agent

"Starting my morning by helping families find their dream homes"

Tonya Davis,
Licensed MD Realtor®
(202) 810-9683
tonyadavishomescom

Socials:
IG: soldby_tonyadavis
FB: tonyadavishomes
TikTok:Tonyathistonyathat