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💰 CLOSING COSTS: What do you actually need to buy a home? One thing we want every buyer to understand: your down payment is not always the only money you’ll need. There are a few different expenses that can come up throughout the home-buying process, and they don’t all happen at the closing table. 🏡 Earnest Money Deposit When your offer is accepted, you may be required to put down an earnest money deposit. This is generally credited toward your purchase at closing if the transaction moves forward according to the contract. 🔎 Inspections A home inspection is an expense buyers should plan for during the transaction. Depending on the property, you may also choose additional inspections. 🏦 Closing Costs These can include things like lender fees, title/escrow-related costs, and other expenses associated with completing the purchase. 💵 Prepaid Expenses You may also have prepaid items such as property taxes, homeowners insurance, or interest that need to be paid at closing. So instead of only asking: 👉 “How much do I need for my down payment?” Ask your lender: “What is my estimated cash-to-close?” That number gives you a much clearer picture of what you may actually need to have available. And here's another important tidbit: your cash-to-close isn't necessarily the same thing as your down payment. There can be programs, credits, or other options that may help with certain costs depending on your loan and situation. 🏡 The more you know before you start house hunting, the more confident you can be when it’s time to make an offer. Have questions about what you may need to buy? Send us a message. We're happy to help you understand the process. The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 Angelica Reyes BS. 145567 | RE/MAX Professionals #FirstTimeHomeBuyer #ClosingCosts #CashToClose #EarnestMoney #HomeInspections

DON'T WAIT ON INSURANCE🛡️ Here's something we wish more buyers thought about EARLIER: homeowners insurance. Don't wait until you're days away from closing to find out what it will cost to insure the home. Especially here in Northern Nevada, there can be property-specific things worth looking into early. Think about: 🔥 Wildfire exposure 🏠 Age and condition of the home 💧 Flood coverage 🌎 Earthquake coverage 🛡️ What coverage you may actually want And remember—what your lender requires isn't necessarily the same thing as everything you may want covered. Getting those questions answered early can help you avoid an unpleasant surprise later. The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 Angelica Reyes BS. 145567 | RE/MAX Professionals #realestateagent #dreamhome #TheReyesTeam

Before you buy the house, spend a little time getting to know the neighborhood. And don't make your decision based on one visit. 📍 Try driving through during a weekday morning. Come back around dinner. Visit on a weekend. Notice the traffic, parking, noise, nearby businesses, and the overall feel of the area. A neighborhood can look completely different at different times of day. Because when you purchase a home, you're choosing more than the house itself. You're choosing where your everyday life is going to happen. That extra drive could tell you more than you expect. Save this if you're shopping for a home! 🔑 The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 Angelica Reyes BS. 145567 | RE/MAX Professionals #HomeBuying #HomeBuyerTips #FirstTimeHomeBuyer #RenoRealEstate #HomeBuyingJourney

Older homes can have SO much character. ❤️🏡 But before you fall in love with the original hardwood floors, vintage kitchen, or that backyard with mature trees, make sure you know what you’re actually buying. With older homes, there can be things you don’t see during a showing, older plumbing or electrical, roof concerns, foundation issues, heating systems, or maintenance that has been deferred over the years. That’s why a thorough home inspection is so important. It’s not about finding a “perfect” house. It’s about knowing what you’re getting into so you can make an informed decision. And in Northern Nevada, we also recommend talking with your insurance agent early, especially with older homes, so you know what insurance options and requirements may look like. The goal isn’t to scare you away from an older home. It’s to help you buy it with your eyes open. 👀 Save this if an older Reno or Northern Nevada home is on your list, and send it to someone house hunting! 🔑 The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 Angelica Reyes BS. 145567 | RE/MAX Professionals #dreamhome #realestateagent #Homeownership #FirstTimeHomeBuyer

There are moments in history that become part of who we are, not because we all experienced them the same way, but because they changed something in all of us. September 11 is one of those moments. Some remember exactly where they were. Some were too young to understand. Some weren’t here yet, but grew up in a world shaped by what happened that day. In one way or another, we all carry a piece of that moment. Today, we simply pause, reflect, and remember.

Happy Labor Day Today is about celebrating the people who work hard, take care of their families, build their businesses, serve their communities, and keep showing up every day. And honestly, this is one of the reasons we love what we do. We get to work with real people who are working toward something bigger, whether that’s buying their first home, creating stability for their family, or finally having a place they can call their own. 🏡 We know buying a home can feel overwhelming, especially when you're trying to balance work, family, finances, and everything else life throws at you. Our goal is simple: help make the process feel a little less overwhelming and a lot more doable. Because everyone deserves the opportunity to explore what homeownership could look like for them. Happy Labor Day! ❤️ The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 🌐 www.myrenohometeam.com Angelica Reyes BS. 145567 | RE/MAX Professionals #Homeownership #RenoRealtor #FirstTimeHomeBuyer #NorthernNevadaRealEstate

Buying a home isn’t just a financial decision, it’s an emotional one, too. 🏡 Sometimes the hardest part isn’t finding the right house… it’s getting past the fear, uncertainty, and overwhelm that come with making such a big decision. If you’ve been waiting for the “perfect” time, worried about making the wrong choice, or feeling overwhelmed by the process, you’re not alone. The goal isn’t to make a perfect decision. It’s to make an informed decision that fits your life, your priorities, and your future. Swipe through 👉 and see if any of these home-buying fears sound familiar. And when you’re ready to talk through your options, The Reyes Team is here to help you take the next step with confidence. 💬 What’s the biggest thing holding you back from buying a home right now? The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 Angelica Reyes BS. 145567 | RE/MAX Professionals #TheReyesTeam #HomeBuying #HomeBuyerTips #FirstTimeHomeBuyer #RenoRealEstate

Buying a house comes with A LOT of questions. 🏡 And honestly, we’d rather you ask the “silly” question than make a big decision based on something you heard from a friend, TikTok, or Google. How much do I need down? Is my credit good enough? Do I need to be pre-approved? How much will I actually need at closing? What if I have no idea where to start? Ask. Ask. Ask. There’s no one-size-fits-all answer when it comes to buying a home. Your income, credit, loan program, goals and overall situation all matter. Our job isn’t just to open doors and show you houses. It’s to help you understand the process, know what questions to ask, and feel confident about the decisions you’re making. ❤️ What’s the home-buying question you’ve been afraid to ask? Drop it below. 👇 Save this for later and send it to someone who’s thinking about buying! The Reyes Team Helping families achieve the dream of homeownership. 🏡 📞 775-351-9265 🌐 www.myrenohometeam.com Angelica Reyes BS. 145567 | RE/MAX Professionals