You may remember that a few weeks ago I shared how I met this sweet couple on an airplane. Shauna and Glen, the loveliest newlyweds, captured my attention for the entire 1.5-hour flight with their enchanting love story, and we quickly became fast friends. 🥰
Now, I`m fortunate to maintain frequent contact with them, as we`re in the process of selling their beautiful townhouse in Lincoln City. During one of our recent meetings, we even took a group photo with Shauna joining us via FaceTime! Their infectious joy makes every interaction a pleasure! ✨
It`s incredible how unexpected encounters can lead to lasting friendships, and I`m thankful for that serendipitous plane ride that brought us together! 🛩
Have you ever unexpectedly met someone who quickly became a friend? 💚...
So, what exactly is PMI? Well, it’s like a safety net for lenders, swooping in to save the day if a borrower takes an unexpected detour on their mortgage journey. In simple terms, it’s insurance that covers the lender’s back if you, the borrower, can’t keep up with your mortgage payments. Pretty nifty, huh?
Now, why does PMI exist? Picture this: you’ve found your dream home, but your down payment is a bit on the lean side. That’s where PMI struts onto the scene, giving lenders the confidence boost they need to say, “Hey, we got you covered!” It’s all about breaking down barriers and making homeownership more accessible, even if your down payment isn’t breaking the bank.
But hold on, how do they figure out how much PMI will cost you? It’s like cracking a secret code, taking into account things like your credit score, loan amount, and that all-important down payment percentage. The result? A monthly PMI payment that can range from a tiny nibble to a hearty chunk of your mortgage amount.
Now, let’s talk perks and pitfalls. On the bright side, PMI opens doors to homeownership with a lower down payment requirement, making those homeownership dreams feel a bit more within reach. But, alas, it’s not all sunshine and rainbows. There’s that extra cost to consider, plus the coverage isn’t unlimited—it’s like having a trusty umbrella, but for your mortgage.
Understanding PMI is like decoding the secret language of mortgages—it’s a crucial piece of the puzzle when you’re navigating the homeownership maze. And hey, if you’re feeling a bit lost, I’m here to be your guide! 🏡
Have questions about PMI? Let me help! I`m always available to answer questions or connect you with the best lenders to talk about your options. Follow me here @robbinsrealtygroup for real estate news, education and the occasional entertaining real estate story. 💚
I`d like to introduce Jessica Dewart as the newest addition to the Robbins Realty Group team. Jessica is well versed in every aspect of real estate, including residential, investment, flipping, and property management. She has a great deal of experience with long-distance transactions–searching, viewing, and purchasing out-of-state properties.
We are so excited to have her join us and we`d love for you to get to know her too!
What`s your favorite local restaurant? I love @1933taproom! 🥗 🍔
A hobby or what you like to do in your free time? I like reading, crossword puzzles, and browsing social media to learn about different housing markets and potential investment opportunities. 🏡
Favorite thing about being a real estate agent? I love the excitement folks get when they fall in love and the happiness they feel when they know their home is going to make great memories for the next family. It`s wholesome and so wonderful. 💚
My partner is Ryan. He works at Sonitrol Pacific as the Field Operations Manager keeping many local schools and businesses safe and secure and my kids are Abby, age 10, and Claire, age 8, they both attend Willamette Primary. We love to visit our beach home in Bandon as often as we can and spend a lot of time with our big family doing anything and everything! 🏖
Learn more about Jessica and get in touch with her by clicking the link in our bio! * * * * * #westlinnoregon #westlinnrealestate #tualatin #lakeoswegorealestate #wilsonvilleoregon #pdxrealestateagent...
Let`s talk about the vibrant community garden scene here in Portland! 🌻
From heirloom tomatoes to blossoming friendships, our city`s commitment to sustainability shines through these gardens. Imagine swapping gardening secrets over a patch of kale or bonding at a garden potluck surrounded by fragrant blooms. It`s not just about nurturing plants; it`s about nurturing connections with each other and with Mother Earth. 💚
Whether you`re a seasoned green thumb or just starting out, there`s a plot waiting for you in the garden community! Check out my latest blog post for a map and all the fresh details on our local community gardens! 👨🏻🌾 👩🏻🌾
You`ll find the link to the community gardens in our area in my bio! Be sure to follow me @robbinsrealtygroup where I share local events, all the insider details in the Portland metro area, and all things real estate news and education....
Throw back to a few weeks a go on a morning hike with Dustin in the sun while I was in Utah for the weekend. The snow is melting fast! Boating season is right around the corner! 🙌🏻 🌊 🏄🏻♀...
-Spacious and updated with over 4000 sq ft -Luxurious primary suite with lavish en-suite bathroom -Versatile layout with home office and bonus room -Outdoor entertainment space with deck, patio, and built-in barbecue
Want to see more pictures and the floor plan? Check out the link in my bio or in stories!
Follow us @robbinsrealtygroup for exclusive listings and insights into the Portland metro real estate market....
I had no idea this sweet girl would remember me years later and I consider it a privilege that I was able to be there for her and comfort her during an anxiety attack when she was so far away from home!
When you do good things it comes back to you in the most surprising ways! Now my buyers have a beautiful home they are enjoying!
It feels so easy, right? Spot a beautiful home on Zillow, click the ‘Request a tour’ button, and voila, you`re one step closer to your dream house. BUT here`s the catch: that one click propels your personal info into a world of real estate agents, all vying for your business. Don`t get me wrong, we real estate professionals are pretty great, but if you`re not quite ready for the constant phone calls or text bombardments, that one click might be overwhelming. 😵💫
The good news is there`s a simpler, quieter way through the noise. If you give me a call to set up a showing, not only will we explore that gorgeous home you spotted on Zillow (or any other place), but your contact information will stay safe — just with me. Plus, you won`t have to worry about your phone ringing nonstop. 😵
Save yourself the trouble and reach out to me directly. I’m always available via DM, text, or a call. 📲...
Life can throw unexpected challenges or changes in our finances, and if you find yourself struggling, for any reason, don’t hesitate to reach out. I’m passionate about assisting individuals, facing financial distress, find a way out.
It’s important to recognize that each situation is unique, and what might work for one person may not be the best solution for another. That’s why it’s always a good idea to seek advice from a financial advisor or a real estate professional like myself before making significant changes to your mortgage strategy. 💚
If you’re ready to discuss your mortgage and real estate needs, I’m here to lend a helping hand. Reach out to me, and let’s explore the options available to you.
In fact, you might be surprised to know that in the fourth quarter of 2021, 11.6% of first-time homebuyers used cryptocurrency like Bitcoin to fund their down payments. So yes, you can use Bitcoin to fund a down payment on a home.
But definitely keep in mind that cryptocurrencies, including Bitcoin, are known for their price volatility. That`s why you should see cryptocurrency as a bonus funding source rather than relying solely on it for your down payment.
If you`re considering this route or have any other questions related to home buying, I`m happy to answer your questions
Follow me @robbinsrealtygroup for the latest real estate news and tips, latest listings in the Portland metro area, and more. 💚
-Custom built with open floor plan -Abundant windows with stunning views -Primary suite on main floor -Spacious kitchen -Large crawl space with possible ADU opportunity
Want to see more pictures and the floor plan? Check out the link in my bio or in stories!
Follow us @robbinsrealtygroup for exclusive listings and insights into the Portland metro real estate market....
Thrilled to announce the successful closings of five stunning homes! Huge congratulations to our agent @heatherallredjones in helping her clients close on their home.
Looking to buy or sell? Need expert real estate assistance? We`ve got you covered!
Follow us @robbinsrealtygroup 📲 503.807.5189 or 💌 DM me
We are always happy to help! 💚 * * * * * #westlinnoregon #westlinnrealestate #tualatin #lakeoswegorealestate #wilsonvilleoregon #pdxrealestateagent...
We typically think home buying is all about square footage and bed/bath count... And it is certainly the starting point! But these days, I’m hearing from buyers who are in search of a few extras.
Here’s a snapshot of what buyers are asking for in their search right now:
💻 Home Office Spaces: The percentage of U.S. companies offering flexibility increased from 51% at the start of 2023 to 62% around November. (Forbes) With remote work still going strong, a dedicated (and quiet!) workspace is a must for many.
🌲 🥾 Outdoor escapes: Private yards and access to parks and trails. Since 2020, the number of people who spend time in nature has increased by more than 25%, according to the 2022 Outdoor Participation Trends Report.
🌎 Energy efficient upgrades: Lower utility bills *and* kinder to the environment - sign buyers up! Energy-star appliances, solar panels, and high-efficiency windows are increasingly sought-after features.
🏠 Move-in ready condition: Minimizing upkeep and maintenance is a big plus — especially for my young families and empty nest buyers.
✅ Open layout: No matter what they say, buyers still love those open floor plans with easy flow from kitchen to living rooms.
If you’re thinking about selling, send me a message. I can help match your home’s features to the wants of my buyers!...
-Ideal beach access location -Cozy living room with fireplace -Five minutes to lake with recreational activities like fishing, hiking, and paddleboarding -Close to restaurants and shopping
Want to see more pictures and video? Check out the link in my bio or in stories! That ocean! 🌊 😍 Follow me @robbinsrealtygroup for the latest listings and real estate tips and news. DM if you have any questions. 💚...
One free piece of advice on how to transform your world…GRATITUDE! 💚
Every morning I write on one page what I am grateful for and on the other side I write what I am grateful for in the future. This daily practice has changed my life and I know it can change yours too! The universe can not conspire against you when you are on the frequency of gratitude. 🫶🏻
-Open Concept Family Room, Dining, and Kitchen -Spacious Primary Suite with large bathroom -Loft/Flex Area Upstairs -Main floor bedroom plus den/office -Covered patio in fenced backyard -Coveted Fox Hill neighborhood close to everything!
Want to see more pictures and the floor plan? Check out the link in my bio or in stories! Follow me @robbinsrealtygroup for the latest listings and real estate tips. DM if you have any questions. 💚...
Friendly reminder: How we speak to ourselves matters! Take a moment to notice your self-talk. If you catch yourself being self-critical, let’s flip that switch and show ourselves some love! 💚
Take a moment today to practice self-compassion and positive self-talk. You deserve it! 🫶🏻...
Have you visited Lark Cafe? It`s the most adorable neighborhood café nestled in Historic Willamette. They are open daily from 7am-3pm and serve coffee, pastries, breakfast, and lunch! 🥗 🥘
Check them out on Instagram @larkcafeoregon
Have you been? What should I try the next time I go? 😋...
It’s been a while since we did a #storytimewithheather. I see a lot of crazy things in real estate being in peoples homes. This one is an interesting one! 🫣😵💫...
🌷 Spring has sprung! 🌷 From whimsical tablescapes to easter egg dying, I`ve found some of the most adorable ideas for the season! Did you know silk dyed easter eggs were a thing? I didn`t!
Also, peep that easy bunny craft any little one in your life would love to make and display! 🐰
All ideas from these amazing creators: @chapplechandler @thesavvysparrow @stephanieziajka @ourbestbites @one_little_project @stephaniehannahome @domesticallyblissful
Want to see more pictures and the floor plan? Check out the link in my bio or in stories! Follow me @robbinsrealtygroup for the latest listings and real estate tips. DM if you have any questions. 💚...