Courtney Smith Realtor / Murney Associates

🎓Real Estate Lingo Lesson! 🎓
Pre-Qualification, Pre-Approval, credit checks... what does this all mean?! Let's break it down👇🏻

First up? 💳 Credit checks.
Your credit score plays a role in your loan amount.
✅ Hard Credit Checks DO affect your score.
❌ Soft Credit Checks do NOT.
(More details in the photos!)

👍🏻 Pre-Qualification.
This is just a starting point and helps you explore your options. This process doesn't take long and will only do a soft credit check. Pre-Quals rely on information you provide (income verification, credit check, etc), and the information typically isn't looked at under a microscope. When you are done, you will be given a general idea of the loan amount you could qualify for. Side Note: Pre-Quals are something that can be done multiple times without affecting your credit score. Next steps: find an agent & move forward with getting pre-approved!

✅ Pre-Approval. This process is best started if you are serious about purchasing a home and are ready to move soon. You may or may not already have a specific home in mind, but you're ready to get there. During this process, you will submit an application to a mortgage company or bank, and you will need to provide lots of documentation (income history, W-2 information, identification, etc), plus a hard credit check will be conducted. If you get approved, you will be told, based on all the information you've provided and the lender's research, what your loan amount would be up to. Final result here? You're ready for the next step of purchasing a home: find that home and submit an offer! 🤩

🚨Reminder! Pre-Approvals can be done more than once, but multiple pre-approvals in a short time can put a red flag on your credit history and mark you as a high-risk customer, which we don't want. So use these wisely!

💬 Ready to start your search, or you don't know where to begin?
Comment "START" or send me a DM--I'm happy to help you map out your next move. 🏠

Don’t forget!
Open House TODAY 2-4 PM!
📍 4715 S Wildwood Dr. Springfield, MO. 65810
See you there! 👋🏻

Don’t forget! Open House this Sunday! 🙌🏻🙌🏻

4715 S Wildwood Dr. 2-4PM!

🚨 Open House Alert! 🚨

📍 4715 S Wildwood Dr. Springfield, MO. 65810
🗓️ THIS SUNDAY, March 22nd
⏳ 2-4 PM

Located in the sought-after Kickapoo School District, this 4-bed, 2-bath home offers just over 2,100 square feet of space to spread out and settle in. Cozy up by the fireplace, host friends in either living room, or enjoy evenings in the fenced backyard. This home offers the perfect blend of staying in and having fun. 🤩

Need to see it to believe it? Here's your chance! Stop by Sunday -- I'd love to see you! 😁

Countdown to the First Day of Spring with me! 🌸

Well, technically, it's the countdown to the astronomical start of Spring. Meteorologically, Spring started on March 1st. 😂 For those of you who want to learn some facts about the Spring Equinox, I'll post a link in the comments. 👇🏻

Whichever way you look at it, with Spring in the air, it's time to tackle that list of chores that comes right along with it. 💪🏻

✨Quick Spring Checklist✨
🌻 Yard: check for weeds, plant some flowers, re-seed the grass as needed, and spray for bugs!
🏠 House: wash the windows, paint as needed, and get that grill going!
✅ Roof: inspect the roof for damage, and inspect/clean out those gutters!

Want the full to-do list? Comment "SPRING" in the comments, and I'll send you a complete checklist. And if you don't think you have the right tools to tackle a project? Don't forget to call up your local hardware stores! A number of them have tools and ladders to rent out to the public. 🙌🏻

☘️Local Event☘️
Downtown Springfield's 43rd St. Patrick's Day Parade!

🗓️ This Saturday, March 14th, from Noon-6 PM
📍 Downtown Springfield, with Park Central Square being a highlight!

Local events like this are really what make a community stick out when someone is thinking of moving to an area. What are you looking forward to trying this year? Let me know in the comments! 👇🏻

I'm a couple of days late in posting this, but I am so happy to announce that my first listing is officially closed! 🥳

Rick and Cindy (my amazing clients) were ready for a fresh start, and listing their house and purchasing a new home is exactly what the Realtor ordered. 😉

The best part? I actually met them while hosting an open house a couple of months ago. While they didn’t end up buying that home, it led them to one that I think fits them even better. Funny how things work out sometimes. 😁

In any career, you only get one “first client,” and I truly couldn’t have asked for better ones. Rick and Cindy, thank you for trusting me to guide you through two transactions at once. That trust meant more to me than you know. 🩷

This closing may be a milestone for me, but more importantly, it’s the start of an exciting new chapter for them.

Here’s to new beginnings. 🏡🥂

Don’t forget! Set your clocks an hour ahead! Daylight Savings is tomorrow! ☀️☀️