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? 💚 ...

Everything you ever wanted to know about PMI! 😉

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. 💚

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#westlinnoregon #westlinnrealestate #tualatin #lakeoswegorealestate #wilsonvilleoregon #pdxrealestateagent ...

Hey there, fellow garden enthusiasts! 🌱

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! 🙌🏻 🌊 🏄🏻‍♀ ...