J Brandon Bey

04/11/2023

If you're a first-time home buyer facing high interest rates, here are eight tips to help you navigate the process:

Shop around for the best mortgage rates: Don't just settle for the first rate you're offered. Research different lenders, compare rates, and negotiate with your lender for the best deal possible.

Improve your credit score: The better your credit score, the better your chances of getting a lower interest rate. Pay your bills on time, keep your credit card balances low, and avoid opening new credit accounts.

Consider an adjustable-rate mortgage (ARM): An ARM typically has a lower initial interest rate than a fixed-rate mortgage, but the rate can change over time. If you plan to sell or refinance before the rate adjusts, an ARM may be a good option.

Increase your down payment: A larger down payment can help lower your interest rate and reduce your monthly payments.

Look for government-backed loans: FHA, VA, and USDA loans often have lower interest rates than conventional mortgages, and they may also require a lower down payment.

Consider a shorter loan term: A 15-year mortgage typically has a lower interest rate than a 30-year mortgage. Although your monthly payments may be higher, you'll pay less interest over the life of the loan.

Pay points: You can lower your interest rate by paying points upfront. Each point equals 1% of the loan amount. Talk to your lender to see if paying points makes sense for your situation.

Don't overextend yourself: Just because you qualify for a certain loan amount doesn't mean you should borrow that much. Make sure you can comfortably afford the monthly payments and still have money left over for emergencies and other expenses.

If you have any questions about about the home buying process or would like to see what price you can get pre-approved at contact me at:

J Brandon Bey
Williams & Associates Realty, LLC
Think Big, Think Bey
License #: S.0191913 (NV)
Mobile: (702) 213-0003

04/06/2023

The Full Pink Moon, also known as the Sprouting Grass Moon, is a time of renewal and growth. It's a powerful time to focus on manifesting your desires and intentions. Here are some spiritual advice for manifesting on a Full Pink Moon:

Set your intentions: Take some time to reflect on what you want to manifest in your life. Write down your intentions in a journal or on a piece of paper. Be specific and clear about what you want to achieve.

Visualize your desires: Close your eyes and imagine yourself already having achieved your desires. See yourself living the life you want, feeling the emotions associated with it, and experiencing the joy of success.

Use positive affirmations: Use positive affirmations to reinforce your beliefs and manifest your desires. Repeat affirmations such as "I am worthy of my desires," "I am capable of achieving my goals," or "I am open to receiving abundance and prosperity."

Connect with nature: The Full Pink Moon is a time to connect with nature and the universe. Spend time outdoors, meditate under the moonlight, and connect with the energy of the earth.

Trust the process: Manifesting takes time and patience. Trust the process and believe that your desires will come to fruition. Avoid doubt and negative self-talk and stay positive.

Remember, manifesting is a spiritual practice that requires faith and trust in the universe. Use the Full Pink Moon as an opportunity to focus on your desires and intentions, and trust that the universe will provide what you need.

01/02/2023

10/31/2022

Every second counts in the housing market when there's so much demand for a relatively low supply of homes. DM me to learn more about how getting pre-approved before starting your home search will make you agile enough to sn**ch up your dream home before anyone else can.

10/26/2022

Every second counts in the housing market when there's so much demand for a relatively low supply of homes. DM me to learn more about how getting pre-approved before starting your home search will make you agile enough to sn**ch up your dream home before anyone else can.

10/24/2022

With Rates higher than last year, are you hesitant to buy? Take a look at the 10 year cost of buying this year at market price with a higher rate to overpaying last year (like buyers had to do to compete) with a lower rate - the numbers may surprise you!

10/20/2022

With rates having climbed so quickly, crafting a deal that works for both buyers and sellers has become my specialty. Take a look at a tactic I like to usecalled a “Seller Buydown”.This tactic helps ensure that a buyer gets the rate and payment they want, while also making sure the seller gets their full price offer.

10/18/2022

Waiting one year for that (*hypothetical) rate drop could result in missing out on valuable equity gained with appreciation over the next year (even at a very conservative appreciation rate!). Take a closer look at how much you’re missing out on by waiting to buy, and contact me if you’re ready to capitalize on the expected appreciation!

08/13/2022

Todays Forecast : Sunny with a strong chance of APPRECIATION! Here’s a look at the expert forecasts for home prices in the coming year. Appreciation makes it clear that it's important to lock in the price and not the rate.