This is a veteran that connected with me over a year ago but the timing wasn’t right. I reached back out to them and it was go time! Negotiated the seller to cover most of their closing cost and got them to the closing table with a $0 downpayment using their VA loan! This one was a special for me… they have agreed to share their testimony once they get all settled in and I can’t wait. Their story shows that a “not right now” is not “No” at all. If you’re planning a PCS or relocation to Tennessee and using VA, I’m always happy to be a resource and help you understand how the process works here locally. You served your country and now it’s time for me to serve YOU! Ask me how you can use your VA loan and have a $0 down payment and no minimum credit score with one of my preferred VA home lenders! 😉 Text “VA” to 931-801-0533 for more information!

Did you miss the webinar? Feel free to catch up and watch the replay here at your own pace. In this webinar we went over the basics of credit. Drop your comments below if you have any! Desire to have a specific letter generated for you? Drop a comment and let me know. ❤️

Many future homeowners focus on the down payment (which is important), but there are other expenses you need to plan for too. Let’s break it down simply so you can prepare with confidence 👇 ✨ If You’re Paying Your Own Closing Costs: Typical out-of-pocket expenses may include: • Earnest money deposit (shows you’re serious — applied toward your purchase) • Home inspection ($300–$600 average) • Appraisal ($500–$800 depending on loan/type) • Closing costs (usually ~2–5% of purchase price) • Moving expenses, utility transfers, and possible initial repairs 👉 Example: On a $250K home, closing costs alone could range around $5K–$12K depending on loan, taxes, and lender fees. ✨ If Closing Costs Are Covered (Seller Credits/Programs): You may STILL need funds for: • Earnest money deposit • Inspection & appraisal upfront (sometimes reimbursed later) • First year homeowner expenses (insurance, maintenance, etc.) • Moving costs + setting up your new home ⚠️ Covered closing costs does NOT always mean “no money needed.” Preparation is still key. 💡 Pro Tip:Always ask your lender AND agent for a full cost estimate early. Surprises at the closing table are not the goal — smooth keys-in-hand moments are 🙌 If you’re planning to buy this year and want clarity on numbers, drop “READY” below or message me. Education first… homeownership next. 🔑