Cortez Home & Land

jilliannoellerealtor Most buyers misunderstand their total mortgage payment — here’s the real breakdown. When you see a monthly payment online, it’s rarely just the loan itself. A true mortgage payment is made up of several pieces that together create your real monthly cost: Principal This is the portion that goes toward paying down the actual loan balance. As the years go on, more of your payment starts going toward principal and less toward interest. Interest The cost of borrowing money from the lender. Early in the loan, a larger share of your payment is interest. Over time, that shifts as the balance drops. Property Taxes Usually collected monthly and held in escrow by the lender, then paid to the county. This amount depends on the home’s value and local tax rates, and it can change year to year. Homeowner’s Insurance Also typically included in the monthly payment. This protects the home and is required by lenders. Costs vary based on location, coverage, and property type. PMI (if applicable) Private Mortgage Insurance is added when the down payment is under 20%. It protects the lender and can often be removed once enough equity is built. HOA Fees (if applicable) If the home is in a community with an HOA, those dues are part of your real monthly housing cost and should always be factored into affordability. The biggest mistake buyers make is focusing only on price and interest rate. The full monthly number is what truly determines comfort, budget, and long-term strategy. Knowing all the pieces upfront puts you in a stronger position when it’s time to buy. When you need clarity, real numbers, or a smart game plan for your next move in real estate, I’m here to help. Comment “HOME” when you need guidance. Jillian Cortez-JPAR Real Estate #weatherfordhomes #WeatherfordTXHomes #newsoftheday #palopintocountytexas #johnsoncountytx #johnsoncountytexas #hoodcountyhomes

jilliannoellerealtor Skipping steps on the path to homeownership is where most buyers get stuck. Here’s the smarter way to move forward 👇 1️⃣ Know your real numbers Not the online estimate — your payment, cash needed, and comfort level so you can act fast without panic. 2️⃣ Get buyer-ready Pre-approval, clear expectations, and a plan. Prepared buyers win while others hesitate. 3️⃣ Learn how to evaluate It’s not just love at first sight. You need to understand condition, location, and long-term resale. 4️⃣ Move with confidence When the right house shows up, clarity replaces stress — and that’s what makes strong offers possible. Thinking about buying this year? DM me “READY” and I’ll help you line up the steps so when the right home appears… you’re already in position. 🏡✨

jilliannoellerealtor ✨ Open House Saturday, Feb 28 • 2-4 PM 801 E 3rd St, Weatherford, Tx 76086 • Oversized corner lot • 2 bed / 2 bath • 1,497 sq ft • Built 1987 • 2025 roof • Storage shed • Fenced backyard • Extended custom driveway • Established neighborhood • Easy access to town Need more details before you stop by? Just send me a message 🩷 #WeatherfordTX #ParkerCountyHomes #WeatherfordRealEstate #ParkerCountyRealEstate #WeatherfordOpenHouse

jilliannoellerealtor Less house, more living ✨💗 Let’s map out your downsizing plan 🏡 #WeatherfordTX #ParkerCountyTX #FortWorthRealEstate #DownsizingInTexas #DFWRealEstate

jilliannoellerealtor Less house, more living ✨💗 Let’s map out your downsizing plan 🏡 #WeatherfordTX #ParkerCountyTX #FortWorthRealEstate #DownsizingInTexas #DFWRealEstate

jilliannoellerealtor Can you house shop before getting preapproved? The short answer now, most brokerages and local REALTOR® boards require signed disclosures and proof you’re financially ready before a private showing. That means before you tour homes with an agent, you’ll usually need: • A signed buyer representation/disclosure form • A lender preapproval (or proof of funds if paying cash) This isn’t to make things harder — it protects sellers, agents, and serious buyers. And it actually puts you in a much stronger position. Why getting preapproved first matters: • You know your real budget and payment • Sellers take your offer seriously • You can move fast when the right home hits • You compete better in multiple-offer situations • You avoid falling in love with homes you can’t secure • You prevent delays once you’re under contract • You shop with a clear strategy, not guesswork • You look prepared and ready to win Today’s market favors buyers who are ready before they walk through the door. Preapproval isn’t a commitment to buy — it’s just step one to make sure every showing actually counts. Comment “GET APPROVED” to get started. @jilliannoellerealtor

jilliannoellerealtor Somewhere along the way, becoming a homeowner turned me into a person who notices outlets. I can’t walk into a room without quietly counting them, clocking where the cords will go, and mentally rearranging furniture around one inconvenient plug. Suddenly I care about light switch placement, where the Wi-Fi router will live, and whether the coffee maker is going to fight the toaster for counter space. I didn’t set out to be this way… but here we are. That’s the funny thing about buying a home — it’s not just about square footage and pretty finishes. It’s about how the house actually functions for your day-to-day life. Where the sunlight hits in the morning. Whether there’s a plug where you need it. How the layout feels when you’re living in it, not just touring it. When you’re out house hunting, it’s easy to get caught up in the big picture and miss the small details that end up mattering most once you move in. That’s where I come in. I notice the little things, ask the practical questions, and think through how the home will live so you don’t have to stress about it later. If you’re starting the search and want someone detail-obsessed in your corner, I’ve got you. Jillian Cortez-JPAR Real Estate homeownership, homebuyingtips, realestateadvice, realestatetips, firsttimehomebuyer, homebuying101, househunting, realestatemarket, realestatelife, realtorlife, propertysearch, dreamhome, movingtips, sellerstips, homeownershipgoals, realestateinvesting, housingmarket, realestateexpert, listingagent, buyersagent, realestatemarketing, openhouse, relocation, movingday, homesearch, propertytour, realestatenews, marketupdate, homeinspections, mortgage, interestrates, newlisting, justlisted, housinginventory, realestateblog, realestatearticle, realestateguide

jilliannoellerealtor 🏡 Texas Home-buying Wisdom! 🤔 Don't break the bank just on the down payment! There are more costs to consider when getting your dream home. 💰 Here's what you need to budget for: 💰 Down Payment: This is typically a percentage of the home's purchase price, and depending on the loan program, it's often between 3.5% and 20% down. It's a significant upfront cost. 💰 Mortgage Costs: When securing a mortgage, be prepared for application fees and appraisal costs. These ensure your lender evaluates the property's value and your financial situation. 💰 Home Inspections: Before you buy, invest in thorough inspections. Plumbing, electrical, HVAC, and foundation assessments are crucial to uncover potential issues and make informed decisions. 💰 Closing Costs: This includes title fees, processing fees, and notary fees. You'll also need to budget for homeowner's insurance, which is essential for protecting your investment. 💰 Property Taxes: These are typically prorated from the date you take ownership. But remember to budget for the next year's taxes to avoid unexpected financial strain. 💰 Movers and Cleaners: When you're moving, there are expenses for professional movers and cleaning services to ensure a smooth transition to your new home. 💰 Emergency Fund: Unforeseen issues can arise in your new home. Having an emergency fund is crucial for covering unexpected repairs and maintenance. Don't let these surprise you! Plan ahead for a smooth journey to your new home. 🏠✨ To explore more, reach out and let’s talk about your Texas real estate goals!