Coleen Ducut-Encarnacion

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Coleen Ducut-Encarnacion Helping Clients Achieve Financial Security and Homeownership with Expert Real Estate Solutions and Financial Literacy Book an appointment with me!

10/19/2026

Before you sign another lease, read this ⬇️

I know renting feels like the easier option, especially when you think buying a home means needing 20% down or having perfect credit.

But what if you’re closer to owning a home than you think?

Depending on your income, credit, and qualifications, there may be programs that can help you get started.

🏡 Here are a few options worth exploring:

✅ Low or even 0% down payment programs for qualified buyers
✅ Assistance with down payments and closing costs
✅ Seller credits or builder incentives that could help with upfront expenses
✅ Home loan options for first-time AND repeat buyers

And no, I’m not saying everyone should stop renting and buy a house tomorrow. 😅

I’m saying, wouldn’t it be nice to know your options before committing to another 12 months of rent?

You might be surprised by what’s possible!

Let’s look at your budget, talk about your goals, and figure out whether buying makes sense for you.

💌 DM me “LEASE” and let’s explore your options!





10/19/2026

Millennials, tell me I’m not the only one! 👀
From Dance Floors to Hardwood Floors
We used to care about the dance floor. Now we’re obsessed with hardwood floors. 😂 Who are we?!

10/16/2026

There’s a difference between what the bank says you can afford and what actually works for your lifestyle.

Before you start shopping at the top of your budget, ask yourself:

✅ How much will I have left after paying my mortgage, property taxes, and insurance?

✅ Can I still save money, travel, and enjoy life?

✅ Will I still be comfortable with this payment if something unexpected happens?

💡 Remember, buying a home shouldn’t mean giving up everything else you enjoy!

The goal isn’t just to buy a house. It’s to own a home you can comfortably afford while still living your life. ❤️

Not sure what price range makes sense for you? Let’s chat! I’d be happy to help you explore your options. No pressure, just guidance! 🏡

📩 DM me or comment HOME!





🔑 You’ve been saving homes on Zillow… but have you ever wondered if you could actually afford one? 👀🏡Do you really need ...
10/14/2026

🔑 You’ve been saving homes on Zillow… but have you ever wondered if you could actually afford one? 👀🏡

Do you really need 20% down? What if your credit isn’t perfect? Are there programs to help with down payment and closing costs?

You might have more options than you think!

Join me and guest lender Rodel Flores from Planet Home Lending for a FREE HOME BUYING CLASS!

✨ What you’ll learn:
🏠 Steps to buying a home
💰 Down payment assistance options
📋 Pre-approval and closing costs
🎤 LIVE Q&A with our lender!

📅 Friday, October 23, 2026
⏰ 6–7 PM Pacific
💻 FREE via Zoom

📩 Comment “HOME” or DM me for registration details!

10/11/2026

POV: You saved for the down payment… then found out about CLOSING COSTS. 😭🏡

Plot twist: You might not have to cover them all yourself! 👀

Some sellers and homebuilders offer closing cost credits that could help lower your upfront expenses. 💸✨

💬 Comment “CLOSING” and let’s explore your options!

10/11/2026

No down payment saved? You may still qualify for a BRAND-NEW HOME like this!

Comment “How” and i’ll get you the details ⬇️





Before you go house hunting in Contra Costa today, take a look at these October market snapshots! 🏡📊Whether you’re explo...
10/04/2026

Before you go house hunting in Contra Costa today, take a look at these October market snapshots! 🏡📊

Whether you’re exploring Concord, Martinez, Pittsburg, Oakley, Antioch, or Brentwood, here are the numbers to pay attention to:

🔎 Median list price: The midpoint of asking prices—a helpful starting point, but it doesn’t tell you what homes actually sell for.

⏳ Days on market: Look at how long the home you like has been listed compared with its local market. Longer listing times may open a conversation about price or seller credits.

🏘️ Active and new listings: See how many options are available, then narrow them down to your budget and must-haves.

These snapshots show median days on market ranging from 37 in Concord to 57 in Oakley, but each home has its own story!

Need help making sense of the numbers? I’m happy to give you a simple breakdown and review the homes you’re considering—including recent comparable sales—so you can tour with more confidence. Message me your city and price range! 📲

Your décor makes your house feel like home, but when selling, give buyers room to imagine making it their own. 🏡✨Start b...
10/04/2026

Your décor makes your house feel like home, but when selling, give buyers room to imagine making it their own. 🏡✨

Start by clearing clutter and removing extra furniture to create an open, welcoming space.

Thinking about selling? Let’s chat about preparing your home—and how I can help as your REALTOR®! 😉

Address

Antioch, CA

Opening Hours

Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+14156023294

Website

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