09/05/2026
🚩 RED FLAG FRIDAY 🚩
The list price is NOT your monthly payment.
A home may look affordable based on the price alone, but your actual monthly payment can include:
🏡 Principal + interest
💰 Property taxes
🛡️ Homeowners insurance
📄 Mortgage insurance, if applicable
🏘️ HOA fees, if applicable
That’s why I always tell buyers: before you fall in love with the house, know what the TOTAL monthly payment is going to look like.
I don’t just want you to qualify for a home — I want you comfortable enough to actually LIVE in it. ❤️
Ask questions. Know your numbers. And make sure the payment fits your real life, not just what you’re approved for.
— Erica Smith, REALTOR®
Epique Realty
405.3942977