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Real Estate by Paula & Shay Mortgage Mortgage & Real Estate Brokerage Stop Foreclosures with a Certified Distressed Property Expert

13/03/2025

If you work from home, you might qualify for a home office tax deduction! But not all remote workers are eligible—here's what you need to know.
To deduct your home office expenses, you must meet these IRS rules:

✔ Must be a business owner.

✔ Exclusive Use: The space must be 100% dedicated to business (no using the kitchen table or shared living spaces).

✔ Regular Use: You must consistently use the space for work.

✔ Principal Place of Business: Your home office should be your main workspace (or used regularly for meetings with clients/customers).

For home office and real estate related tax deductions, read my recent article: https://paula.myagent.site/home-related-tax-deductions/
This post is for general informational purposes only and should not be considered tax or financial advice. Always consult a licensed tax professional for personalized guidance.

11/03/2025

🏡 Common Home-Related Tax Deductions:

✔ Mortgage Interest (On loans up to $750,000)

✔ Property Taxes (Capped at $10,000 with state/local taxes)

✔ Home Equity Loan Interest (Only if used for home improvements)

✔ Energy-Efficient Upgrades (30% tax credit for solar panels, etc.)

✔ Home Office Deduction (If you use a dedicated workspace for your business)

💰 Pro Tip: Keep good records of your mortgage payments, tax bills, and any home improvements to maximize your savings at tax time!

For a deeper look into home-related tax deductions, check out my latest article:
https://paula.myagent.site/home-related-tax-deductions/
This post is for general informational purposes only and should not be considered tax or financial advice. Always consult a licensed tax professional for personalized guidance.

27/02/2025

💰 How Much Does a Home REALLY Cost to Buy? 💰

Spoiler alert: It’s not just the sticker price! Here's what to factor in when planning your home purchase:

🏡 Down Payment: Typically 3-20% of the home's price (varies based on loan type).

📑 Closing Costs: Around 2-5% of the home’s price—think appraisal fees, title insurance, and more.

🛠️ Home Inspections & Repairs: A must for peace of mind and future planning.

💵 Mortgage Insurance: Required if your down payment is less than 20%.

📆 Monthly Costs: Beyond the mortgage payment, don’t forget property taxes, homeowners insurance, and HOA fees (if applicable).

✨ Planning to Buy? Knowing these costs up front helps you make smarter decisions and avoid surprises. Let's talk about your budget and options!

📲 (805) 377-7283
📧 [email protected]

25/02/2025

💡 Looking to maximize your home’s resale value? Here are the Top 3 Remodeling Projects with the Highest ROI from the 2024 Cost vs. Value Report:

1️⃣ Garage Door Replacement:
💰 ROI: 193.9%
✅ A sleek, modern garage door transforms curb appeal and adds functionality.

2️⃣ Steel Entry Door Replacement:
💰 ROI: 188.1%
✅ Boost curb appeal, energy efficiency, and security with this budget-friendly upgrade.

3️⃣ Manufactured Stone Veneer:
💰 ROI: 153.2%
✅ Add texture and luxury to your exterior with this durable and cost-effective accent.

Whether you're selling soon or just want to invest smartly in your home, these projects deliver high impact without breaking the bank.

👉 Check out the full blog for details and pro tips. https://paula.myagent.site/4-home-remodeling-projects-with-the-highest-roi/

20/02/2025

🔨 Thinking about starting a remodeling project? 🔨

Before you dive into demo day, take a step back and set yourself up for success:
✨ Outline your goals: Are you improving aesthetics, boosting resale value, or making necessary repairs?
✨ Get inspired: Browse Houzz, Pinterest, or even local open houses to spark ideas.
✨ Prioritize your budget: Know your “must-haves” vs. “nice-to-haves” to stay on track.
✨ Create a plan: Define your project scope, timeline, and phases to keep things organized.

Ready to turn your vision into reality? Read the full blog for tips and resources to help you start strong.

🔗 https://paula.myagent.site/4-home-remodeling-projects-with-the-highest-roi/

18/02/2025

🏡📊 February real estate trends are here! Here’s what you need to know this month:

🕑 Pre-spring buyers are already on the hunt.
📉 Mortgage rates are steady, for now.
🏠 Listing early can help you beat the rush!

Thinking about buying or selling? February is a great time to make your move. Let’s chat about your real estate goals!

📲 (805) 377-7283
📧 [email protected]

14/02/2025

Wishing you the happiest of Valentine's Day's and hoping you're spending it with those you love!!!

13/02/2025

In today’s changing market, buyers have more options—and they’re pickier than ever. First impressions matter, and your home’s exterior can make or break it! 💥

Focusing on curb appeal projects like a fresh garage door, a sleek entry door, or adding stone veneer can give you the highest ROI and help your home stand out. 🏡✨

Thinking about selling? Check out my latest blog post for the top 4 projects with the highest return on investment!

🔗 https://paula.myagent.site/4-home-remodeling-projects-with-the-highest-roi/

11/02/2025

A home listed “as is” is being sold in its current condition. In other words, the seller will not make any repairs or improvements before closing.

Selling your home “as is” comes with both pros and cons:

✅ Pro: You’ll skip the expense of possible repairs.
❌ Con: You may receive a lower price for your home.

✅ Pro: With less prep, you can often list your home faster.
❌ Con: It may take longer to sell.

✅ Pro: A well-priced, “as is” home can often generate offers.
❌ Con: Major issues can make it harder for potential buyers to get financing.

There are a lot of factors to consider when deciding to list your home. Call us to discuss the specifics of your situation.

📲 (805) 377-7283
📧 [email protected]

06/02/2025

🚪✨ Want to boost your home's value without breaking the bank?

Check out these 4 remodeling projects with the highest ROI! From replacing your garage door (a whopping 193.9% ROI!) to giving your kitchen a modern refresh, these upgrades can make your home stand out and attract buyers.

💡 Curious about which upgrades make the biggest impact in your area? Read the full blog for details and tips to get started.

🔗 https://paula.myagent.site/4-home-remodeling-projects-with-the-highest-roi/

04/02/2025

🏡 Whether you’re buying or selling, here’s your checklist for success!

Buyers:
✅ Get pre-approved
✅ Define your housing needs
✅ Grow your savings

Sellers:
✅ Boost curb appeal
✅ Declutter
✅ Price it right

Ready to make a move? Let’s connect! I’m here to help you with all your real estate goals. 💬

📲 [insert your phone number]
📧 [insert your email address]

30/01/2025

🏡 Buyers or Sellers Market in 2025?

The housing market slightly favors sellers nationally, with a 4-month supply of single-family homes. 📉 But real estate is local, and the dynamics in your area may differ!

💡 What does this mean for you?
✅ Sellers: It’s a great time to boost curb appeal and price strategically.
✅ Buyers: Start planning now—optimize your credit and know your budget.

Want to know if your local market favors buyers or sellers? Send me a message, and let’s dive in! 💬

📲 (805) 377-7283
📧 [email protected]

23/01/2025

🏡 Thinking of buying or selling a home? Start planning now!

🔑 For Buyers:

Define your price range 🏷️
Optimize your credit score 💳
Start saving for your down payment 💰

📆 Even if your move is 12–24 months away, early planning with a real estate pro sets you up for success!

💡 For Sellers:

Set clear priorities (price, timing, or both!)
Plan your next steps if you’re buying & selling simultaneously
Create a strategy to get the best results 📊

✨ The key to a smooth process?

Starting early! Send me a message today, and let’s make your real estate goals a reality.

📲 (805) 377-7283
📧 [email protected]

21/01/2025

📊 2025 Home Price Forecast

Experts predict home values will rise between 1.5% and 3.6% next year—continuing the trend of long-term growth. 🏡 Since 2020, the average home price has increased by $97,000, making homeownership a strong investment.

🚨 A market crash? Unlikely. With housing demand still outpacing supply, home values are expected to hold steady.

Want to know what’s happening in your local market or how to increase your home’s value? Check out our latest blog post! 💬

🔗 https://paula.myagent.site/the-2025-real-estate-report/

16/01/2025

Thinking about refinancing your mortgage? 📉 With rates dropping in 2025, it might be a good time to explore your options.

But before you rush to the bank, there are a few key factors to consider:

🎯 Your Financial Goals
What are you hoping to achieve with a refinance? Lower monthly payments? Faster payoff? Access to equity?

🧮 The Numbers
Factor in closing costs, potential prepayment penalties, and the long-term impact on your interest payments.

📊 Your Equity Position
Having sufficient equity in your home can improve your chances of securing favorable refinancing terms.

📈 Your Credit Score
A strong credit score is key to qualifying for the best interest rates.

⚖️ Your Debt-to-Income Ratio
Lenders assess your overall financial health, so managing your debt levels is important.

It’s a lot to consider — but you don’t need to navigate this decision alone. Reach out for a referral to a trusted mortgage professional who can provide personalized advice and help you make the best decision for your unique situation.

📲 (805) 377-7283
📧 [email protected]

14/01/2025

📈 What’s happening with mortgage rates in 2025?

Rates are expected to average 6.4% next year—lower than the 7.79% peak in 2023, but still above the record lows of the pandemic. A return to 3% rates? Experts say that’s unlikely.

💡 Here’s how you can secure the best rate:
✅ Work on improving your credit
✅ Start planning early with a trusted lender

Need advice or a lender recommendation? I’m here to help—send me a message!

📲 (805) 377-7283
📧 [email protected]

09/01/2025

🏡 Thinking about buying a home? Here are 3 amazing benefits of homeownership:

1️⃣ Increase your net worth—Home values typically rise over time, making it a smart investment!
2️⃣ Tax perks—Deductions and incentives that can save you money.
3️⃣ Stability—No more worrying about rent hikes or lease renewals.

If you’re ready to make the leap into homeownership, I’m here to help!

Reach out for more info or guidance, I’d love to assist you on your journey. 💬

📲 (805) 377-7283
📧 [email protected]

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Remodeling Checklist

🔨 Thinking about starting a remodeling project? 🔨 Before you dive into demo day, take a step back and set yourself up for success: ✨ Outline your goals: Are you improving aesthetics, boosting resale value, or making necessary repairs? ✨ Get inspired: Browse Houzz, Pinterest, or even local open houses to spark ideas. ✨ Prioritize your budget: Know your “must-haves” vs. “nice-to-haves” to stay on track. ✨ Create a plan: Define your project scope, timeline, and phases to keep things organized. Ready to turn your vision into reality? Read the full blog for tips and resources to help you start strong. 🔗 https://paula.myagent.site/4-home-remodeling-projects-with-the-highest-roi/

Curb Appeal is King

In today’s changing market, buyers have more options—and they’re pickier than ever. First impressions matter, and your home’s exterior can make or break it! 💥 Focusing on curb appeal projects like a fresh garage door, a sleek entry door, or adding stone veneer can give you the highest ROI and help your home stand out. 🏡✨ Thinking about selling? Check out my latest blog post for the top 4 projects with the highest return on investment! 🔗 https://paula.myagent.site/4-home-remodeling-projects-with-the-highest-roi/

Tips for Home Buyers and Sellers

🏡 Thinking of buying or selling a home? Start planning now! 🔑 For Buyers: Define your price range 🏷️ Optimize your credit score 💳 Start saving for your down payment 💰 📆 Even if your move is 12–24 months away, early planning with a real estate pro sets you up for success! 💡 For Sellers: Set clear priorities (price, timing, or both!) Plan your next steps if you’re buying & selling simultaneously Create a strategy to get the best results 📊 ✨ The key to a smooth process? Starting early! Send me a message today, and let’s make your real estate goals a reality. 📲 (805) 377-7283 📧 [email protected]

The Benefits of Home Ownership

🏡 Thinking about buying a home? Here are 3 amazing benefits of homeownership: 1️⃣ Increase your net worth—Home values typically rise over time, making it a smart investment! 2️⃣ Tax perks—Deductions and incentives that can save you money. 3️⃣ Stability—No more worrying about rent hikes or lease renewals. If you’re ready to make the leap into homeownership, I’m here to help! Reach out for more info or guidance, I’d love to assist you on your journey. 💬 📲 (805) 377-7283 📧 [email protected]

Home Upgrades for Your Holiday Traditions

This year, give your beloved holiday traditions a high-tech twist! Smart home gadgets can add some extra sparkle and simplify your celebrations. 🍿 Movie Night Magic: Transform your living room into a home cinema with a smart projector and enjoy holiday classics on a big screen. 💡Dazzling Decorations: Use smart plugs to control your decor with a simple tap on your phone or a voice command. ❄️ Winter Wonderland: Create the ultimate outdoor holiday display with smart lights designed for the exterior of your home. Ready to upgrade your holiday traditions? Check out our holiday home gadget guide on our blog for product recommendations and more! 🔗https://paula.myagent.site/tech-the-halls-smart-home-gadgets-for-a-stress-free-holiday-season/

Top 4 Potential Buyer Turn-Offs

Want to wow buyers at your showings? Avoid these common pitfalls that can send them running for the hills! 🏃‍♂️ 👃 Strong Smells: Some scents—think pets or cooking—can be a major turn-off. Air out your home and clean upholstery and fabrics before any showings. 📦 Overcrowded Rooms: Too much furniture makes spaces feel small and cramped. Less is more when it comes to staging! 💡 Lack of Light: Open blinds and curtains, then add lamps to ensure your home has plenty of light, no matter the weather or time of day. 🏡 Poor Curb Appeal: Is your lawn looking overgrown or patchy? Or perhaps your exterior paint could use a touch-up. A good first impression is essential! Getting ready to put your home on the market? Reach out for a free consultation to discuss how we can make your home irresistible. 📲 (805) 377-7283 📧 [email protected]

3 Reasons There's No "Perfect Time" to Buy or Sell

⏰ Waiting for the "perfect" moment to buy or sell a home? Watch for three reasons why there is no such thing. Don’t waste time trying to time the market. Reach out today, and let’s talk about your personal goals and how we can help you reach them. 📲 (805) 377-7283
📧 [email protected]

4 Ways to Help Your Home Sell Faster

Need to sell your home quickly? Here are 4 proven strategies to attract buyers and speed up the sale of your home. Reach out today to schedule a free consultation and discuss how we can get your home sold fast. 📲 (805) 377-7283
📧 [email protected]

3 Features To Look For in a Multigenerational Home

Looking for the perfect multigenerational home? Watch to identify the three most important property features to prioritize during your home search. And for more tips on finding a multigenerational home that fits your family, check out our latest blog post! 🔗 https://paula.myagent.site/multigenerational-home-buying-how-to-find-a-home-that-fits-your-whole-family/

3 Tips to Keep Your Home Safe While You Travel

Wanderlust calling? ✈️ Don't let worries about your home steal your vacation glow. ✨ Beyond the basics (locked doors, lights on), elevate your home security game with these 3 pro tips. Have even more home safety hacks? Share them in the comments! 👇

How to Capture the Best Listing Photos

Most homebuyers view homes online before they visit in person — so getting the best possible photos is critical! 📸 Watch for our 5 steps to prepare your home for professional listing photos. Then check out our blog post for even more tips to help your home attract buyers and boost offers! 🔗 https://paula.myagent.site/stage-to-sell-7-proven-steps-to-attract-buyers-and-boost-offers/

4 Tips for Self-Employed Homebuyers

If you’re self-employed, applying for a mortgage can be a little more complicated. Use these 4 tips to streamline the process and get into your new home faster. Searching for a mortgage professional who can help? Reach out for a referral! 📲 (805) 377-7283 📧 [email protected]

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