Dreaming of Moving in 2023?

 Regina Hargis-Williams 

First Federal Bank Residential Lending-Equal Housing Lender NMLS # 408902

Does your backyard lack the designated entertaining space you want? Is your kitchen starting to feel a little cramped? Do you have a need for additional rooms? Whatever the reason, it may be time to make a move to a home that has what you need. Contact me to learn more about what’s available in our local market.

 

300 NORTH WAUKESHA STREET, Bonifay, FL, United States, Florida

(850) 573-6304

hagris-williamsr@ffbf.com
apply.ffbf.com/#/loan-officers/hargis-williamsr@ffbf

The right agent

?Attention Home Buyers and Sellers!?
Are you on the hunt for the perfect real estate agent?
Well, let me ask you this…have you experienced any of these 3 signs??
❓You’re tired of feeling like just another number in the system
❓You want an agent who will always put your needs first
❓You crave a smooth and stress-free home buying/selling journey.
If you answered YES to any of these, I might just be the right real estate agent for you!
Let’s connect and see if we’re a match made in real estate heaven.

Homeowners Insurance

? Homeowners insurance is an important part of protecting your home and possessions. There are several factors that can affect the cost of your homeowners’ insurance, including:

?‍♂️ Location – Premiums will be higher in areas where there is a higher risk of natural disasters, such as hurricanes or flooding.

? Age of Home – Older homes may require more coverage due to their age and the potential for damage.

? Building Materials – Homes built with sturdier materials like brick or concrete will generally have lower premiums than those with less durable materials like wood.

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a great way to tap into the equity of your home and gain access to funds for big expenses. Here are 4 key points to consider:
1. A HELOC can provide you with greater financial flexibility, giving you access to necessary funds when needed.
2. Your HELOC is secured by the equity in your home, so you can usually borrow at lower interest rates than other forms of credit.
3. Unlike a traditional loan, with a HELOC you only pay on the amount that you draw from the line – not on the entire credit limit.
4. With a HELOC, you could also typically use the funds to make home improvements, consolidate debt, or cover other large expenses.
At the end of the day, a HELOC can provide financial flexibility that may not be possible with other forms of credit. Do your research and talk to an expert to figure out if a line of credit is the right option for you. Happy learning!

Money mistakes to avoid

As a homeowner, it’s important to be aware of all the money mistakes you can make in order to keep your finances in check. Here are five unique money mistakes to avoid when owning a home:
✅ Research home improvement costs before taking on projects
✅ Set aside an emergency fund
✅ Shop around for insurance
✅ Consider energy-efficient upgrades
✅ Take advantage of tax deductions
Being a homeowner can be an expensive endeavor, so make sure to avoid these five money mistakes in order to keep your finances in check.
What money mistakes have you encountered as a homeowner? Share your experiences in the comments below!

Spanish Trailhouse

Come out and support our local theatre! This is the first of several productions for 2023.

Tickets for “I Love You, You’re Perfect, Now Change” are on sale NOW! Progress through all relationships–from awkward first dates, to marital bliss and baby talk, to contemplation of divorce! Jam-packed with relatable songs and scenes like “Single Man Drought,” “On the Highway of Love” and “Funerals are for Dating.” An insightful and hilarious musical, this show will have audiences shouting, “This is my life!”
PRODUCTION DATES: March 9-12, 2023
ADVISORY: This show contains adult situations, language, and mature humor. Recommended for mature audiences only.
Visit www.spanishtrailplayhouse.com for tickets and more information.
I LOVE YOU, YOU’RE PERFECT, NOW CHANGE is produced by special arrangement with Concord Theatricals, Inc. www.concordtheatricals.com

To build or buy

Creating a home from scratch or purchasing an existing one is an exciting but complicated decision. Whether you’re looking to move into your first place, need more space for your expanding family, or want to own an investment property, it pays off to consider the pros and cons of each option.
Build Pros:
1. You can customize the design and style of your home to meet your unique needs
2. You have the flexibility to choose materials, finishes, and features that will fit within your budget
3. Building a home increases its value over time
4. Investing in a newly-built property may qualify you for tax deductions
Build Cons:
1. It may take longer to build a home than buy one
2. The costs of construction and materials can increase the initial budget you have set aside
3. You’ll need to factor in unexpected expenses like inspections, permits, and potential delays due to bad weather
4. You may struggle to find a neighborhood or location that fits the house you want
Buy Pros:
1. Buying an existing home can save time since you won’t need to wait for your property to be built
2. You have an opportunity to inspect the property before signing on the dotted line
3. You may be able to negotiate a lower price if you are willing to take on certain repairs
4. You can move into your new home right away and start enjoying it right away
Buy Cons:
1. An existing property may need repairs or renovations that could strain your budget
2. You may have limited options for customization
3. You may miss out on certain tax deductions you would get from building a home
4. It can be difficult to find a property in the location that meets your needs and budget
Whichever option you choose, it’s important to do your research and explore all of the possibilities before deciding. With the right resources and professional advice, you can create or purchase a home that meets your needs and fits your budget. Let’s connect to help you decide