The Realtor Roundup

  Can You Buy a Home If You Have Student Loans? Yes—Here’s How! If you’re dreaming of owning a home but worried that your student loan debt might hold you back, you’re not alone—and you’re not out of luck. Many people believe that student loans automatically disqualify them from buying a home, but that’s simply not true. As a Realtor® who works with professionals like educators, healthcare workers, and first responders, we often help clients navigate this very concern. Let's break it down. How Student Loans Affect Home Buying Student loans are a form of debt, so they do factor into your debt-to-income ratio (DTI) —a key metric lenders use to determine how much home you can afford. But having student loans doesn’t mean you can’t qualify for a mortgage. Lenders look at: Your monthly student loan payment Your overall DTI Your credit score Your income and job stability If your other financial factors are strong, student loans alone won’t prevent you from buying. Ti...

                         Wire Fraud and First Time Homebuyers                                                        Buying your first home is an exciting milestone—but it also comes with risks many new buyers aren't aware of. One of the most serious threats? Wire fraud . As your trusted Realtor®, it’s my job to help you navigate the home buying process safely—and that includes protecting your hard-earned money from cybercriminals. 💻 What Is Wire Fraud in Real Estate? Wire fraud typically occurs when hackers intercept emails during a real estate transaction. These criminals pose as your lender, title company, or even your Realtor® and send fake wire instructions. If you fall for the scam, your down payment or closing fun...