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Text-only newsletter stories for Issue 8 Vl. 5


Feel free to use these stories in your own newsletter designs. If you want to use a completed newsletter template, check out the latest issues of Hometalk and Real Estate Advisor. If you want to use a completely editable newsletter template, please see the News & Views template.


Headline: Take 5: Types of Mortgages You Need to Know About

Before you purchase a home, it’s important to educate yourself of the various types of mortgages you can get so you can make the right decision when the time comes to choose yours.

Fixed Rate. The most popular on the market, a fixed-rate mortgage is ideal for homeowners who expect to stay in their home for many years. With a fixed interest rate and monthly payment, this loan makes it easier to plan your budget year over year.

Adjustable-Rate. This type of mortgage offers a lower interest rate and monthly payment at first, then slowly increases as time goes on. This type of loan can be beneficial for younger home buyers who expect to grow in their careers and make more money in the future.

Government-Insured. There are several types of government-backed mortgages including Federal Housing Administration (FHA) loans, U.S. Department of Veterans Affairs (VA) loans, United States Department of Agriculture (USDA) loans, and more. These programs can help you finance a home if you meet each one’s qualifications.

Conforming. A conforming loan is one that falls within the maximum limits set by government agencies that back most U.S. mortgages, Fannie Mae and Freddie Mac. With this type of mortgage, borrowing costs and required down payment are generally less, but interest rates can be a little higher.

Jumbo. This type of conventional loan applies if the home’s price exceeds federal loan limits. Your credit score generally must exceed 700 and you are required to make a larger down payment. However, it allows you to borrow more money to purchase a more expensive home.


Headline: Taking Interior Design Online

The internet is forever evolving how we access goods and services, so why should home décor be any different? Homeowners have a plethora of resources they can look to when searching for décor inspiration online, including blogs, online magazines, and YouTube channels, but the newest fad is online interior design consultants. These online businesses employ professional interior designers and pair them with customers through their online platform.

Focused on flexibility and affordability, the designers interact with clients through phone, instant message, video chat, or a combination of the three. They start by determining their clients’ budget, preferences, and wish list by providing a survey or questionnaire. They also request a home layout and room measurements.

As a final deliverable, the designer recommends furnishings, paint, décor, and more for each room that fits within the homeowners’ budget and providers a rending of the design. Customers then sign off on the full design or pieces of the design. They can request for the designers to purchase the items for them or receive a shopping list to do it themselves. There are a ton of interior design businesses popping up online, including the following:

  • Affordable Interior Design has packages starting at $399 for a 2-hour consult.
  • Modsy has packages starting at $179 for a total room design.
  • Decorist has packages starting at $299 for a total room design.
  • Decorilla has packages starting at $449 for a total room design.
  • Havenly has packages starting at $169 for a total room design.

Whether you need a complete home makeover or a little inspiration to revamp your bedroom, help from an online interior design consultant can be the convenient, cost-effective solution you are looking for.


Headline: Tips for Speeding Up Your Home Sale

Selling your home is a huge undertaking to begin with, but if the process drags on for months and interest trickles in much slower than expected, it can be frustrating and stressful. To avoid this, there are a few steps you can take to prep your home and sell quickly.

Declutter. Survey your home and store any items that are not essential to the décor of the room. This can include personal photos and mementos, excessive throw blankets or pillows, children’s artwork, vases, lamps, knick-knacks, and more. The cleaner you keep counters, shelves, and mantles, the easier it is for potential buyers to picture themselves in your house.

Paint. A fresh coat of paint on the exterior or interior of your home can go a long way and is one update you can likely do yourself for fairly cheap. Repaint your home with a neutral color, like taupe, cream, or gray, that will allow potential buyers to easily envision adding their own touches to each room.

Availability. Buyers are drawn to sellers who are flexible with showings and can accommodate their schedule on short notice. The more open you are to showing times, the more buyers will see your home and the less likely they are to choose another home before seeing yours.

Photos. First impressions are key, and the first one your home makes is generally through photos online or on flyers and brochures. Investing in a professional real estate photographer can boost interest in your home. They have an eye for design and know how to highlight your home’s strengths and move the spotlight off any flaws.


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