Tami Savage, Realtor

Your Key to a New Lifestyle

5(ish) Tips to Make Your Relocation Easier

By Tami Savage

Relocation can be a very stressful and emotional moment in someone's life.

Whether you're relocating for a job or just moving away from family, a little bit of planning can go a long way in avoiding the stress and anxiety related to relocating.

Hi, I'm Tami Savage with eXp Realty.

Moving is hard, there's no doubt about it, you can't find your things, boxes are everywhere and then you add children and/or pets into the mix, and now you're on complete overload.

I get it, I've been there so many times before.

On the other hand, relocating is an adventure, it's a time of excitement, a fresh start, perhaps a new career, new places to explore, new friends to be made, and so much more.

Your first step in moving to a new place is doing your research.

Maybe you already have a home lined up and maybe you don't, either way research is your best ally, before you relocate somewhere new.

Look up things like what kinds of entertainment and leisure activities are there to go do and see.

If you have children, what are your school options?

Some people who relocate, already have a job offer in the new city while some are just looking for a change in lifestyle.

If you're part of that second group, look up jobs and companies online before you move, so you're ready to apply and interview once you get there.

Choosing a neighborhood, is it possible to physically visit the neighborhood before you move in?

If it isn't, Google maps will give you a pretty good idea of what to expect.

If a Google maps street view option is available for the area. Check it out.  It's super cool. 

It's like a virtual walkthrough of a neighborhood.

Now have a look at the houses around the area, where are the closest amenities?

Is it easy to get around by car walking and or transit?

And don't forget to look at the common places like grocery stores, pharmacies, hospitals, doctors, et cetera.

And if you're a coffee drinker, Starbucks, all of these things should be considered when relocating and choosing where you want to live.

If you've got questions or want more information on things to consider when relocating feel free to reach out, I'm always here to help.

I'm Tami Savage with eXp Realty, Your Key to a New Lifestyle.

Thanks so much for watching and make it a great day!

July 2021 National Real Estate Market Update

By Tami Savage

Here's a quick national update for July of 2021.

The biggest questions in today's market are:

  • Will inventory go up anytime soon?
  • And will we experience another housing bubble like 2008?

We know it feels like the wild, wild west out there when trying to buy a home.

Hi, I'm Tami Savage with eXp Realty.

Ivy Zelman from the Z Report says, “This month our broker contacts report a continuation of robust demand and intense competition from buyers to ‘win' houses, with bidding wars, all-cash offers, waived contingencies, and rent-free leasebacks increasingly common in many markets.”

So much is happening across the country in real estate right now, but the biggest story certainly is the lack of available inventory!

The reason: quite simply, we just don't have enough houses for sale to meet today's demands in our market.

We're still seeing bidding wars, which is causing buyer fatigue for those that keep getting outbid, usually by those all cash offers.

Soaring prices of lumber has slowed construction down across the nation as well.

Robert Dietz of the National Association of Homebuilders says, “The decline in single-family permits indicates that builders are slowing construction activity as costs rise.

While housing starts were strong at the beginning of the year due to the home builder constructing homes that were sold pre-construction, higher costs and limited availability of building materials have now paused some projects.”

This has hurt housing supply while the demand still remains high.

The good news for supply and demand in the housing industry, specifically new construction, is lumber prices have dropped significantly in June, as reported by CNBC.

We don't want this to discourage you from going out and buying a home this summer.

Homeownership is very important! It gives you the ability to build wealth through equity, as well as many other benefits.

Gallup's polls show that 41% of Americans still believe that Real Estate is the best long-term investment for the past 11 years.

We expect prices to continue to grow. So if you're thinking about buying, do it now.

I'm always here to help and keep you informed, so give me a call and we can help you navigate today's market.

I'm Tami Savage with eXp Realty, Your Key to a New Lifestyle.

Thanks so much for watching, and make it a great day.

Are you thinking of buying a home here in Tampa Bay, Florida?

By Tami Savage

Are you thinking of buying a home here in Tampa Bay, but have no idea where to start? Well, you're in the perfect place.

First, before doing anything else, you need to know what you can afford.

The very first step in looking to buy a home is getting qualified for a loan.

You need to understand all the costs associated with owning a home and qualifying for the loan. Don't put the cart before the horse and go house hunting. You've got to get your financing secured so you don't lose any money unnecessarily.

Hi, I'm Tami Savage with eXp Realty.

So your very first step when buying a home here in Tampa Bay is meeting with a mortgage
lender and getting qualified. I've got amazing references I'd love to share with you so you can make sure you're safe and secure, in regards to the financing
aspects of purchasing a home.

Don't make the same mistakes that so many others do and go out house hunting prior to mortgage shopping. There are things you have to consider, like knowing …

  • How much of a down payment you're going to need.
  • What closing costs will be associated with purchasing the home?
  • As well as what other expenses you will need to consider when qualifying.

So you give me a call today and I'll refer you to one of my trusted mortgage professionals so we can get you well on your way to home ownership.

I'm Tami Savage with eXp Realty, your key to a new lifestyle.

Thanks so much for watching and make it a great day.

💥MAXIMUM EXPOSURE💥 to sell your home!

By Tami Savage

When was the last time you went shopping online?
Amazon, Google, ring a bell?
Well guess what? Real estate really is no different.
When you're selling your home, placing a sign in the front yard and sticking it on the MLS is basic.
So are you missing out?
Hi, I'm Tami Savage with eXp Realty.
What you really need is maximum exposure to get your home in front of the most potential buyers.
According to reports from the National Association of Realtors, 97% of home buyers use the internet search for home.
Only 22% of realtors use social media to market those homes, and very few do it well.
So let's talk global statistics for a second, because we know people moved to Florida from all over the world.
According to Hootsuite, 4.72 billion people use the internet and 4.33 billion are active social media users.
And if I did my math correctly 92% of internet users are active social media users.
So let's specifically look at social media for a second.
Facebook is still number one, YouTube is number two, and so on.
As a real estate professional, I want to offer you more and better.
So I came up with a disruptive strategic digital marketing plan that places your home in front of thousands of potential buyers weekly.
You're probably looking at this video as a result of those efforts.
Now, if you'd like to hear more about how I use the tools of Fortune 500 companies to place your home in front of more buyers, give me a call 727-282-4390.
I'm Tami Savage with eXp Realty, your key to a new lifestyle.

Wesley Chapel May 2021 Market Update

By Tami Savage

Hey Wesley Chapel, are you ready for your real estate market update?
I'm Tami Savage with eXp Realty. What an exciting time in the real estate market.
As you've probably heard by now, we have a super hot market.
Homes are flying off the shelf, bidding wars and multiple offers are giving sellers more leverage than ever before.
Buyers are doing things like removing all of the contingencies, upping their deposits, giving insane rent backs to the seller, and not asking for any repairs.
They are doing whatever it takes to get into these homes.
So let's take a look at what's happening so far this month.
The average days on the market for Wesley Chapel is 17, while our median is only four, and the national average is 21.
The average list price for a home in Wesley Chapel is $362,228 which is considerably less
from last month at $346,229 which is approximately 4.6% increase.
The average selling price is $335,297 which is about 7.4% below list price.
As you can see, the Wesley Chapel market is on fire, and buyers are in need of properties.
If you're looking to get the most return on your investment and more money in your
pocket with less hassle, then there's never been a better time.
I'm Tami Savage with eXp Realty, your key to a new lifestyle.
Thanks so much for watching and have a great day!

Great Time to Shift Equity 💰 & Move Up 🏡 or Refinance 📉

By Tami Savage

These are the highlights from the interview on Friday, May 7th with Carson Wright, a mortgage lender.

Equity is through the roof right now. 🚀 If you have a high-interest mortgage and either shifting it into another house 🏡 (upsizing/downsizing) & selling your existing home OR refinancing to get a better rate. 📉

If your mortgage is anything over 5%, make the call, get a refinance. If you're sitting anywhere in the 4s, start exploring. 🧭 You always want to get at least a percentage point lower, in refinance that's the ultimate goal. If you get a little bit less and you're able to remove mortgage insurance, which is there on every loan (drops off once you have enough equity). Always check it out.

As long as you're closing on your current home and the sell of that prior to the purchase of your new one, you can easily transition those funds directly to the next title company where you don't have to do anything. You just cashed in a hundred thousand dollars from the sale of your home and now you use those same funds for the purchase of your new one, putting down a massive down payment or whatever you guys wanna do. 💰

Plenty of options in this market.

What about jumbo loans? Those are a little bit higher interest rates. What would you say from that perspective as far as if you're above X…?

Correct, and so beautiful words there, jumbo loans, just being a higher risk, the non-standard loans there are going to be higher interest rates. … once over 6% I would say explore it.

It's never a bad thing to look into. If you haven't looked into it already, explore it, ask the questions, see if it's possible.

The first question asked is “what's the interest rate” or “what's my monthly payment gonna be on this home.” The home matters, your interest rate, & your credit score matters because if you have 20% equity in your home, you can drop that mortgage insurance using a conventional loan. FHA will have that there for the life of the loan but you can remove that. And that is often times the biggest saving point on … And especially in this market people's home values are going through the roof and you're getting that 20% equity so much quicker. Your private mortgage insurance is the kicker and that's what drops off. 📉 And I'm telling you that along with a better interest rate and that's the nice little gap where you don't have to quite get the 1% of a better interest rate. If you can just get it better anyway and remove that mortgage insurance, it's a no-brainer.

Regardless if you're over 5% or even at 4%, you're gonna want to start exploring and just see what's there. It's an easy thing to say if you're an over 5% go refinance but if you're in the 4s or even high 3s and it's never a bad thing to look into.

We just got a jobs report 📝 and it's usually a big indicator on the economy and everything that didn't quite come in as high as we thought. Meaning these interest rates were gonna rise with all the new job openings. 📈 But because that number wasn't quite what they expected, interest rates are still good. 📉 We were expecting a dip today but everything is still holding. The thing that we monitor in the mortgage world is that 30-year mortgage bond and the 10-year Treasury bond. All of those matters play a factor in your interest rates that you're seeing on the consumer side.

So as we're monitoring this, it is always a roller coaster. 🎢 And right now this roller coaster is a blast, 🚀 hop on if you can. This is why we're experiencing, with interest rates being so low … at these levels, everybody wants to buy. That's why every single person is experiencing these massive competitions with every home because everybody wants to hop in on these rates.

Several people who want to buy a new home but are in their existing home are scared to move forward because of the multiple offers and bidding wars that everybody is going through right now. I would encourage people if they want to move up into a bigger home 🏡 and you have equity 💰 in your current home, let's start exploring, let's get out and see what we can find. We'll start right away with Carson and find out what we can get pre-approved for. 🧾 The good news is to sell a property at this time, super easy, especially once you find a house to buy.

You can have your home under contract 📝 and we will plan out the process. We get a document from you, listing their home, 🏡 that shows what the proceeds 💰 are and we're gonna use that for the next purchase of the home.🏡 We do it all the time. It's nothing scary. Oftentimes people get overwhelmed with “oh, I'm selling one home and instantly going to another.” That seems like a lot but not for us in this business.

***Carson Wright, NMLS 1693440***
407-747-1492
carson.wright@tmf.mortgage
http://themortgagefirm.com/carsonwright

***Tami Savage***
727-282-4390
tami@tamisavage.com
https://tamisavage.com

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