Deborah Spence's (debsoldit) Blog

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Real Estate Broker/Owner - Fierce Realty Corp - RM424134
Deborah Ann Spence (debsoldit) blog is for the purpose of sharing information with the consumer and fellow real estate industry leaders. Follow my journey.
RECENT BLOG POSTS
If you are making a shift for the New Year from renter to homeowner, you should begin preparations now! It's an exciting emotional and financial roller coaster. Here are some tips to help you get started: 1. Check your credit score. 2. Budget 3. Start saving and stop spending 4. Meet with a Mortg...
12/23/2016
There are two good reasons why the loan process has become "hair pulling" for today's buyer than perhaps any time in history.1. The government has set new guidelines that now demand that the bank prove beyond any doubt that you are indeed capable of affording the mortgage. This obviously avoids t...
12/20/2016
Here are some good questions to ask yourself if you are attempting to sell your home or have been thinking about selling your home. What is your time frame to move Why are selling at this time? Where have you decided to relocate to? Have you ever sold a home before? How was your experience? What ...
12/19/2016
Don't downplay my value! Why I deserve my commission seller's!I will give you my top ten reasons, even though I have about 20 reasons, why I deserve to be paid for the work that I do. Here it is-1. I have great negotiating skills2. I provide a lot of market exposure/advertising/open houses.3. I s...
12/19/2016
Do yourself and all those involved with helping you purchase your dream home a gigantic favor, BE PREPARED WITH THE DOCUMENTS YOU NEED TO APPLY FOR A MORTGAGE! Here is a generic checklist:1. Two forms of identification including a government photo ID.2. Pay stubs for the past 30 days including ye...
12/13/2016
While in the process of obtaining a mortgage, please do not buy a car or anything else on credit. Why? The bank is willing to lend you money to purchase a home, based on several criterias.  They calculate your ability to pay it back using your credit score, income, debt to income ratio and more. ...
12/12/2016
Buying a home can be better than renting in some situations. Overall, I like to say buying over renting, but the statement that "renting is throwing away money" is not necessarily true. Are you shocked that a real estate agent can even utter those words? Well, let me give you three reasons why I ...
12/09/2016
Don't listen to foolish advice about waiting until spring to sell your home. It just doesn't make sense. Over 14,000 homes sell everyday. Why wait? We are experiencing a severe low inventory housing market in Philadelphia and surrounding suburbs. There are more buyer's then sellers right now. We ...
12/08/2016
Now is the time to buy your dream home. Stop waiting! A lost opportunity may cost you! Why buy now? Well, I will give you three good reasons.1. Mortgage rates are increasing. The rate for a FHA, 30 year fixed is currently at 4.75.  Just a couple of months ago, that particular rate was at 3.5. The...
12/07/2016
What does "agency" mean when working with a real estate agent? It's an excellent question because most buyers and sellers do not understand the concept of agency. Here are 3 of the most important ones:1. A buyer's agent represents the buyer in the transaction and is paid by the seller in a Pennsy...
12/05/2016
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Deborah AnnSpence

Awesome Realtor serving Philadelphia and suburbs!
smartphone484-934-2744
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