Angela Howison Realtor

Angela Howison Realtor SERHANT Specializing in residential real estate sales since 2004.
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Navigating the Mortgage Minefield 🏡💰🔍Securing a mortgage might seem straightforward, but there are nuances that can caus...
09/08/2026

Navigating the Mortgage Minefield 🏡💰🔍

Securing a mortgage might seem straightforward, but there are nuances that can cause hiccups, even as you're about to cross the finish line. Here are five pitfalls that can delay or disrupt your mortgage loan on closing day:

1️⃣ Credit Score Fluctuations: Any significant changes in your credit score can raise red flags. It's advisable to avoid major purchases or new lines of credit during the loan process.

2️⃣ Property Appraisal Complications: If the property doesn't appraise for the amount you're borrowing, it could halt the process. This emphasizes the importance of a realistic home price.

3️⃣ Income Adjustments: Any drastic change to your income can impact your loan approval. This includes shifts in job roles, promotions, or reductions.

4️⃣ Document Discrepancies: Ensure every document is accurate and complete. Any missing or incorrect information can cause delays.

5️⃣ Employment Changes: Job stability is crucial. Losing a job or even changing roles within the same company might affect your loan status.

👩‍💼 Having a seasoned real estate agent by your side can be a game-changer. Their experience can help preempt these issues and guide you through to a successful closing. When it comes to such a significant transaction, it's always best to have a guiding hand. ❤️



No hassle real estate! Sell your home fast!

09/07/2026

Trying to figure out how much house you can afford? 🤔 Consider your income, debts, expenses, and down payment. Use online calculators, talk to your real estate agent, and get pre-approved for a mortgage. I can help you find your perfect home, no matter your budget!

No hassle real estate! Sell your home fast!

09/06/2026



No hassle real estate! Sell your home fast!

🏢💰 Have you ever wondered what exactly is escrow and wanted to understand its significance in the home buying process? H...
09/06/2026

🏢💰 Have you ever wondered what exactly is escrow and wanted to understand its significance in the home buying process? Here's what you need to know. 🔒✨

🔐 What is Escrow?
Escrow is a financial arrangement where a neutral third party, known as the escrow agent or company, holds funds and important documents during a real estate transaction. It acts as a safety net, ensuring a secure and fair exchange between the buyer and seller. 💼💸

📜 How Does Escrow Work?
1️⃣ Offer Acceptance: After the buyer's offer is accepted, the buyer typically deposits earnest money into an escrow account as a sign of good faith and commitment.

2️⃣ Contractual Obligations: The buyer and seller fulfill their respective contractual obligations while the escrow process is underway. This includes satisfying contingencies, inspections, and other agreed-upon conditions.

3️⃣ Secure Transaction: The escrow agent safeguards the funds and relevant documents until all the conditions of the transaction are met. This ensures a fair and impartial process for both parties involved.

4️⃣ Clearing Contingencies: The buyer performs due diligence, such as property inspections and obtaining financing, within a specified timeline.

5️⃣ Closing the Deal: Upon satisfying all conditions, the escrow agent coordinates the final steps of the transaction.

6️⃣ Disbursement: After the closing process is complete, the escrow agent disburses the funds to the seller, pays off any outstanding liens or fees, and provides the buyer with the title to the property.

💼 Why is Escrow Important?
Escrow provides a secure environment for all parties involved in a real estate transaction. It ensures that funds are protected and only released when all conditions are met, mitigating risks and promoting a smooth and fair exchange. 💪🤝



No hassle real estate! Sell your home fast!

💬🏦 Key Question for Your Lender: A Must-Ask! 🏦💬Embarking on the home-buying journey involves crucial conversations with ...
09/04/2026

💬🏦 Key Question for Your Lender: A Must-Ask! 🏦💬

Embarking on the home-buying journey involves crucial conversations with your lender. Amidst the multitude of inquiries, one stands out as the most important:

🌟 "What are the full costs of my mortgage?" 🌟

Here's why this question is a game-changer:

Beyond Interest Rates: It's not just about the advertised rates. There are application fees, mortgage insurance, closing costs, and potentially more.
Budget Planning: Understanding the complete service charge, commissions, and any hidden fees helps you plan realistically, ensuring your budget accommodates beyond monthly principal and interest payments.
Comparing Offers: When you know all the associated costs, you can make accurate comparisons between different lenders, as you may find varying fees that significantly affect your repayment.
Negotiation Insight: Being armed with complete information gives you the power to negotiate terms and possibly even some fees or rates.
This single, all-encompassing question opens the door to transparent dialogue, empowering you as a borrower to make informed and confident decisions. No question is too small when your future home is the topic! 🏠💡✨

No hassle real estate! Sell your home fast!

🏠💡 Mortgage Wisdom of the Day 💡🏠Did you know that even after receiving a "Clear to Close" from your mortgage lender, you...
09/03/2026

🏠💡 Mortgage Wisdom of the Day 💡🏠

Did you know that even after receiving a "Clear to Close" from your mortgage lender, your financial status isn't completely off the hook just yet? True story! 🚨

Lenders often do a final credit check right before closing to ensure that your financial situation remains steady. A significant change in your credit status (like a big purchase or a new debt) could throw a wrench in your plans.

So, here's a pro-tip: Try to keep your financial status as stable as possible from the time of loan application to the closing. Avoid big purchases or adding new debt. It's just a little patience for a smooth closing! 🏡💰



No hassle real estate! Sell your home fast!

09/02/2026



No hassle real estate! Sell your home fast!

09/01/2026

One of the most common questions I get asked is, "How long will it take to sell my house?" The truth is, the timeline can vary widely based on several factors. Homes in great condition, desirable locations, priced competitively, and in a hot market often sell faster. On the flip side, properties that need work, are in less sought-after areas, or are priced above market value may take longer to sell. ⏳ It's important for sellers to work closely with their agent to understand these dynamics and set realistic expectations. With the right strategy and market knowledge, we can help you sell your home efficiently and achieve your goals!

No hassle real estate! Sell your home fast!

Have you ever dreamt of owning that perfect vacation getaway? 🌅 Consider this: You can purchase a vacation rental and wh...
08/31/2026

Have you ever dreamt of owning that perfect vacation getaway? 🌅 Consider this: You can purchase a vacation rental and when you're not unwinding there, list it on VRBO for others to enjoy.

It’s more than just a serene escape; it's a smart financial move that lets you grow your investment and build equity in a second home! 🏡📈

"

No hassle real estate! Sell your home fast!

08/30/2026

Thinking about buying a new build? Here are the numbers you need to know:
💸The Tax Rate
It can be much higher in quickly developing areas where new builds are springing up!
✨PID & MUD Taxes: Ever heard of them?
PID = Public Improvement District Tax: usually pays for sidewalks, streets, utilities, landscaping & parks
MUD = Municipal Utility District: usually pays for water, drainage, sewage, sometimes roads, sidewalks & parks.
If your new-build is in the middle of nowhere (for now) those startup costs get baked into additional taxes.
🏡HOA Fees: They vary!
No amenities? Under $100/month is typical.
Got a clubhouse, pool, or tennis courts? Expect it to be over $100/month.
🏗️Build Time: Are you able and willing to wait - even if it means delaying a move for a year?
🔍Rate Lock: Don’t get surprised by a closing interest rate that is much higher than the number you expected when you signed your contract.
Save this post for later. Better yet, reach out today and let me help you navigate the new build world.


No hassle real estate! Sell your home fast!

Address

114 N. OCEAN Way
Jupiter, FL
33477

Telephone

+15614011400

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