Mortgage, Credit, Financing, Buying a Home

Various topics about buying a home.

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Mortgage, Credit, Financing, Buying a Home Preparing for the housing market in 2024 Preparing for the housing market in 2024   By Craig Wales When looking back at the housing market this past year, there were three main storylines that largely defined buying a home – mortgage rates, home prices, and the number of homes for sale, also known as inventory. From a homebuyer’s perspective, all of those […]
Info for Homeowners, sellers and/or home buyers Are you Mortgage Ready? Are you Financially Prepared to Take Out a Home Loan? You feel ready to own your own home, but are you financially ready for a mortgage? If you want to know how close you are to being able to take out a home loan, you’ll want to consider how your credit, debt and recent financial […]
Info for Homeowners, sellers and/or home buyers How Long Does It Take to Build Credit History From Scratch?   How Long Does It Take to Build Credit History From Scratch?   If you ever plan to buy a house, establishing a track record of past payments is essential, because it proves to mortgage lenders that you’ve paid people back (which means they’ll be more apt to loan you money for a home). Still, if you have no credit history—because you’re […]
Info for Homeowners, sellers and/or home buyers The Fatal Pricing Mistake Home Sellers Are Making Right Now: Is This You? The Fatal Pricing Mistake Home Sellers Are Making Right Now: Is This You?   Jan 5, 2023 “You still see the hope in their eyes.” When Atlanta-based real estate agent Maura Neill agreed to sell a home this fall, she knew she faced an uphill battle. For one, the housing market had cooled significantly. But worse, these […]
Info for Homeowners, sellers and/or home buyers Pre-Approved for a Mortgage Pre-Approved for a Mortgage Like many people, you may be considering purchasing a home soon. If that’s the case, you’ll want to get pre-approved for a mortgage. This is an important first step in the homebuying process and can help you save time and money. What is pre-approval, and how to get pre-approved for a […]
Info for Homeowners, sellers and/or home buyers What is a 2-1 Buydown? As interest rates climb, temporary buydowns have become an avenue that some sellers and buyers may consider. A 2-1 buydown program is a concession offered by sellers to incentivize buyers. A 2-1 buydown essentially allows borrowers to make a lower mortgage payment for the first two years of their loan, and payments go back up […]
Info for Homeowners, sellers and/or home buyers What Are Closing Costs? The home purchasing process can be quite confusing, especially for first-time homebuyers. Therefore, it is vital that you do your homework before you start house hunting. You should carefully consider your budget and calculate your approximate monthly mortgage payment. This ensures that your new home does not become a financial burden. Additionally, you should calculate how much […]
Info for Homeowners, sellers and/or home buyers What are the Benefits of a VA Loan? Believe it or not, buying a home doesn’t always require a traditional 20% down payment. If you’re a current or former member of the U.S. Military, you may qualify for a VA loan, which allows you to purchase a home without a down payment. That’s just one of the advantages you receive from a VA […]
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Info for Homeowners, sellers and/or home buyers Four Things That Help Determine Your Mortgage Rate Four Things That Help Determine Your Mortgage Rate If you’re looking to buy a home, you probably want to secure the lowest interest rate possible for your home loan. Over the last couple of years, that was easier to do as the housing market saw record-low mortgage rates, but this year rates have risen dramatically. If you’re looking […]
Info for Homeowners, sellers and/or home buyers What Would a Recession Mean for the Housing Market?             According to a recent survey from the Wall Street Journal, the percentage of economists who believe we’ll see a recession in the next 12 months is growing. When surveyed in July 2021, only 12% of economists consulted thought there’d be a recession by now. But this July, when polled, 49% believe we […]
Info for Homeowners, sellers and/or home buyers Home Partners of America – how the lease purchase works Home Partners of America  What is the Lease Purchase Program? Find a home listed for sale that’s right for you. We buy it and lease it to you with the peace of mind of locked-in rent amounts and purchase prices. Live in the home as a renter with the option to buy it at any […]
Info for Homeowners, sellers and/or home buyers So are we in a recession? Fri July 29, 2022 If you’re confused about whether the US economy is in a recession, you’re not alone. On one hand, gross domestic product, a key measure of economic output, shrank for the second straight quarter this week, raising fears that the country has entered — or will soon enter — recession territory. On the other […]
Info for Homeowners, sellers and/or home buyers Signs the Housing Market Is Cooling Down—and What This Means for Buyers and Sellers   Despite the sweltering heat, real estate’s red-hot tear is, at long last, slowing down and chilling out. In our series “How’s the Housing Market This Week?” we look at the four crucial indicators: home prices, new listings, days on the market, and mortgage rates. For the week ending July 23 (the most recent research available), all […]
Info for Homeowners, sellers and/or home buyers Mortgage basics – the process Mortgage basics We are positive you can do this. Here’s everything you need to get started. We know that choosing a mortgage is one of the biggest financial decisions of your life, and we’re committed to making your mortgage loan process seamless, friendly and as financially smart for you as possible. Below, we’ll walk you […]
Info for Homeowners, sellers and/or home buyers Closing Cost Calculator: How much are closing costs on a house? Before you own a new home, you’ll need to settle the closing costs on your mortgage and purchase. Our closing cost calculator can help you estimate what these charges will look like to help you prepare for every expenditure when buying a home.   Closing cost calculator     Connect with me, I’m here to […]
Info for Homeowners, sellers and/or home buyers How much house can I afford?   How much house can you afford? It’s an important question to answer before you hire Rupa Nunamaker as your real estate agent and start house hunting. With so many factors to consider — the down payment, interest rates, property taxes and your monthly expenses, to name just a few — answering the seemingly simple […]
Mortgage, Credit, Financing, Buying a Home WHAT RISING MORTGAGE RATES MEAN FOR YOU   Mortgage rates have been making a move. After a period of record lows that roughly spanned the previous two years, rates have been on their way up in 2022. The U.S. central bank has announced its intention to fight inflation with higher interest rates, which means mortgage rates seem poised to continue their rise. […]
Mortgage, Credit, Financing, Buying a Home WHY YOU SHOULD CHECK YOUR CREDIT REPORTS REGULARLY As many as 1 in 3 Americans don’t check their credit reports. Are you one of them? You’re entitled by law to check your reports for free once per year, and as of this writing, free weekly credit reports are available through December 2022. If you’re not already checking your credit reports, here’s what you need […]
Mortgage, Credit, Financing, Buying a Home Good news for first time home buyers that have been paying their rent on time. Good news for first-time buyers from Freddie Mac First time home buyers are highly encouraged to build a spotless record of on-time rental payments. Here’s why: mortgage applications processed by Freddie Mac’s Loan Product Advisor® (LPA) now allow on-time rent payments to be factored into loan purchase decisions. Since millions of Americans have limited or […]
Mortgage, Credit, Financing, Buying a Home Ways to Improve Credit Improving Credit will help get a lower mortgage rate. Building a strong credit profile can increase your chances of qualifying for a mortgage and reduce the interest rate charged by the loan. When applying for a mortgage, your credit report will be used to determine whether you qualify for a home loan and what interest […]
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Rupa Nunamaker, Tampa Bay Area Realtor

I am a FULL TIME Realtor ready to help you, whether is selling your house or buying your dream home.  Connect with me.

I currently live in the St. Petersburg area, but have lived in Seminole and Redington Beach for many years too. I've lived in this Tampa Bay area since 1991. If you are looking to buy or sell in the Tampa Bay area, I'm ready to help.

With Coldwell Banker, you are teaming up with a trusted and knowledgeable neighborhood partner to make your real estate dreams come true.

Ready to sell? Let me show you my top notch marketing plan for your home to get it sold quickly and for the best price!!

I have access to comprehensive, up-to-the-minute listing information giving me the edge necessary in today's fast-paced market. Whether it's finding you a home with everything on your checklist or helping you get ready to move, I've got you covered - advertising, financing, inspection and closing assistance, I'll handle it all from start to finish. I can even provide tips and tricks on staging and minor home improvements to help sell your home fast. Give me a call, I'm right in the neighborhood!

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