Listen every week to get real estate tea that will have you coming back for more. Estrella Gallegos, a realtor in Denver Colorado with eXp Realty and Scott Loeffert loan officer with Tru North Mortgage drop all the best tea when it comes to what's happening in the market.
Estrella Gallegos
estrella@starlunarealestate.com
720-641-2099
www.sellingwithstar.com
Scott Loeffert
303-704-5472
Are Student Loans Killing Your Chances of Homeownership?
On this episode, we're discussing a critical issue for many first-time homebuyers - the impact of student loans on homeownership. With student loan debt surpassing $1.7 trillion in the US, many young Americans are struggling to save for a down payment and qualify for a mortgage.
Our guest, Chad Phyle with World Financial Group, will share insights into how student loan programs can lower your monthly payment.
You'll learn about the different types of student loan repayment plans and how they can impact your credit score and debt-to-income ratio. We'll also discuss how the program works.
If you're a first-time homebuyer struggling with student loan debt, this episode is a must-listen. We'll help you understand the challenges you're facing and provide actionable advice to help you achieve your dream of homeownership. Don't let student loans kill your chances of owning a home - tune in now!
How to Reach Us:
Estrella Gallegos
Realtor, eXp Realty
720-641-2099
www.sellingwithstar.com
Chad M. Phyle
World Financial Group
Cell: 720-364-3213
For Appointments and Information:
https://agents.worldfinancialgroup.com/chad-phyle
Keywords: student loans, homeownership, first-time homebuyers, mortgage, down payment, debt-to-income ratio, credit score, government programs, negotiating with lenders, creative financing.
28 Mar 2023
First Time Homeownership at an All Time Low!
Welcome to the Denver Market Moment, where we bring you the latest updates and insights on the Denver real estate market. In today's episode, we discuss a concerning trend that has emerged in the local housing market – first-time homebuyers are at an all-time low.
According to recent data, the number of first-time homebuyers in Denver has been steadily declining over the past few years. This is a worrying trend for the local real estate industry, as first-time homebuyers are an essential part of the market and play a crucial role in driving growth.
In this episode, we dive deeper into the reasons behind this decline and explore the challenges that first-time homebuyers are facing in Denver. We talk about the rising prices of homes, low inventory, and competition from cash buyers and investors and how you can become a homeowner despite ALL of those hurdles.
Join us for an insightful discussion on the state of the Denver housing market and the challenges facing first-time homebuyers. Whether you're a first-time buyer yourself or simply interested in the latest developments in the Denver real estate market, this episode is not to be missed!
How to Reach Us:
Estrella Gallegos
eXp Realty
720-641-2099
estrella@starlunarealestate.com
Scott Loeferrt
Tru North Mortgage
303- 704-5472
www.TruNorthMortgage.com
#Firsttimehomebuyer #buyingahouse #housingcrisisindenver #livingindenverco #denverco
10 Feb 2023
Explained: What Fannie Mae & Freddie Mac did to impact home Buyers
Explained: What Fannie Mae & Freddie Mac did to impact home Buyers
30 Jan 2023
Is the Spring Market Already Here?
Oh my goodness it is January, there is snow on the ground and we are sitting in the middle of a multi-day cold front but the real estate market did not get the memo!
All the data indicates that the Spring market started in January! If you are a home buyer on the fence, get off because your window of opportunity for deals is ending soon and if you are a home seller - the time is now, get on before all the other homeowners start to sell their homes!
Scott is giving us the skinny on how you can lock in a killer interest rate to help make your offer competitive as things heat up while protecting your money.
Want to talk to us to start your home buying or selling process call us
Estrella Gallegos eXp Realty
720-641-2099
Scott Loeffert E Mortgage Capital
303-704-5472
25 Jan 2023
Real Estate Analysts Predict What Will Happen in 2023
In Today's episode, we discuss what the National Association of Realtors analysts have predicted for 2023 and how you as a home buyer or home seller can take advantage of that!
30 Dec 2022
You Made it To Closing Day - Now What??
You Made it To Closing Day - Now What??
Okay, so you made it to closing day and are a bit overwhelmed. Never fear! Scott and Estrella walk through all the things that happen to make that day as smooth as possible, after all, you are buying a beautiful home!
Want to know more and start your home-buying journey? Contact us today at:
Estrella Gallegos estrella@starlunarealestate.com 720-641-2099 www.sellingwithstar.com
Scott Loeffert sloeffert@s1l.com 303-704-5472 https://scottloeffert.s1l.com/
23 Dec 2022
Your offer was accepted now what?
Your offer was accepted now what?
Wohoo you submitted an offer and it was accepted. You are now under contract. In this episode, Scott and Estrella talk about all the crazy fun stuff that happens both behind the scenes and front and center.
They outline all the expenses that are handled with cash on hand and those that get rolled into the home loan if you are financing your purchase.
Want to know more and start your home-buying journey? Contact us today at:
Estrella Gallegos estrella@starlunarealestate.com 720-641-2099 www.sellingwithstar.com
Scott Loeffert sloeffert@s1l.com 303-704-5472 https://scottloeffert.s1l.com/
15 Dec 2022
Is Home Ownership in Your Plan for 2023? Listen to this first.
Is Home Ownership in Your Plan for 2023? Listen to this first to hear what you need to do before you get started.
This episode discusses the pre-approval process, house hunting, and getting under contract. Ready to become a homeowner? Contact us today to get started.
Estrella Gallegos estrella@starlunarealestate.com 720-641-2099 www.sellingwithstar.com
Scott Loeffert sloeffert@s1l.com 303-704-5472 https://scottloeffert.s1l.com/
9 Dec 2022
The Builder's Lender isn't always better
Have you visited the newest new build community and fell in love with a home and the sales rep is offering incentives for using their builder? HOLD ON, it may not be the deal you think it is. Listen to this week's episode to find out when it is a good idea to use the builder's lender and when it is best to use your own lender.
Estrella Gallegos estrella@starlunarealestate.com 720-641-2099 www.sellingwithstar.com
Scott Loeffert sloeffert@s1l.com 303-704-5472 https://scottloeffert.s1l.com/
New Construction, New Build, Buying a New Home, Getting a Home Mortgage
1 Dec 2022
Whats Better? A credit of $10k or a lower price of $10K
You're looking for the best deal when buying a house right?!
In today's episode, we discuss the difference between asking for a credit rather than a lower price when writing that offer. You might be surprised by the numbers.
Estrella Gallegos estrella@starlunarealestate.com 720-641-2099 www.sellingwithstar.com (//www.sellingwithstar.com )
Scott Loeffert sloeffert@s1l.com 303-704-5472 https://scottloeffert.s1l.com/ (https://scottloeffert.s1l.com/)
18 Nov 2022
Do This Once Your Pre-Approved!
Do This Once Your Pre-Approved!
Woop Woop You're pre-approved now what? Well in this episode we talk about what you need to do to make sure you don't mess up that pre-approval when buying a house.
Estrella Gallegos estrella@starlunarealestate.com 720-641-2099
www.sellingwithstar.com Scott Loeffert sloeffert@s1l.com 303-704-5472
https://scottloeffert.s1l.com/
4 Nov 2022
Can you really get the Seller's Good Interest Rate?
Are you looking to buy a home? You may have heard that you can get the seller's good interest rate. But is this really true? In this episode, We'll tell you whether or not you can actually get the seller's good interest rate and how to go about doing it.
Estrella Gallegos estrella@starlunarealestate.com
720-641-2099
www.sellingwithstar.com
Scott Loeffert sloeffert@s1l.com
303-704-5472
https://scottloeffert.s1l.com/
27 Oct 2022
Can you really buy a house for $1,000?
Hard to believe right? It can be possible with the right team and strategy. In this episode we talk about first time home buyers and how now is your time to shine!
Donate to Foodbank of the Rockies (https://secure.foodbankrockies.org/site/Donation2;jsessionid=00000000.app30102a?8001.donation=form1&df_id=8001&mfc_pref=T&s_src=2210smlb&_ga=2.133367566.1683673804.1666905620-792742453.1666905620&NONCE_TOKEN=42D0870FDD0F34E4DAF80A6E6E1F8A9D)
Sign Up for the 90 days to homeowner challenge: (https://estrellagallegos.exprealty.com/ask/05253dd89f69310f71949095658cf5c2)
How to reach us?
Estrella Gallegos Realtor, eXp Realty
estrella@starlunarealestate.com
www.sellingwithstar.com (https://anchor.fm/estrella-gallegos4)
https://www.instagram.com/sellingwithstar/ (https://anchor.fm/estrella-gallegos4)
https://www.facebook.com/sellingwithstar (https://anchor.fm/estrella-gallegos4)
720-641-2099
Scott Loefert Loan Officer | NMLS #1484155
303-704-5472
sloeffert@s1l.com (mailto:sloeffert@s1l.com)
https://scottloeffert.s1l.com/ (https://anchor.fm/estrella-gallegos4)
21 Oct 2022
Trade Your Way to Your Dream Home
Are you dreaming of your perfect home?
You don't have to wait until you have enough saved up to buy it outright. In this episode, we'll show you how to trade your way into the home of your dreams by leveraging the power of real estate.
Record Date: 10/19/2022
How to reach us?
Estrella Gallegos Realtor, eXp Realty
estrella@starlunarealestate.com
www.sellingwithstar.com (https://anchor.fm/estrella-gallegos4)
https://www.instagram.com/sellingwithstar/ (https://anchor.fm/estrella-gallegos4)
https://www.facebook.com/sellingwithstar (https://anchor.fm/estrella-gallegos4)
720-641-2099
Scott Loefert Loan Officer | NMLS #1484155
303-704-5472
sloeffert@s1l.com (mailto:sloeffert@s1l.com)
https://scottloeffert.s1l.com/ (https://anchor.fm/estrella-gallegos4)
13 Oct 2022
Is the Bubble About to Burst in the Housing Market?
Is the housing market about to burst?
Some experts are saying that we're in for a big crash, while others believe that the market is still strong. So what's really going on? In this episode, Scott and I will break down the evidence for and against a housing market crash.
Market Moment Record Date: 10/12/2022
How to reach us?
Estrella Gallegos Realtor, eXp Realty
estrella@starlunarealestate.com
www.sellingwithstar.com (https://anchor.fm/estrella-gallegos4)
https://www.instagram.com/sellingwithstar/ (https://anchor.fm/estrella-gallegos4)
https://www.facebook.com/sellingwithstar (https://anchor.fm/estrella-gallegos4)
720-641-2099
Scott Loefert Loan Officer | NMLS #1484155
303-704-5472
sloeffert@s1l.com (mailto:sloeffert@s1l.com)
https://scottloeffert.s1l.com/ (https://anchor.fm/estrella-gallegos4)
6 Oct 2022
Was the Real Estate Market Catfishing Us?
With interest rates rising and home prices holding steady you may be asking yourself if now is the time to buy or sell. In today's episode we talks numbers and what the heck it all means to you.
Market Moment Record Date: 10/05/2022
How to reach us?
Estrella Gallegos Realtor, eXp Realty
estrella@starlunarealestate.com
www.sellingwithstar.com
https://www.instagram.com/sellingwithstar/
https://www.facebook.com/sellingwithstar
720-641-2099
Scott Loefert Loan Officer | NMLS #1484155
303-704-5472
sloeffert@s1l.com (mailto:sloeffert@s1l.com)
https://scottloeffert.s1l.com/
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