Buying a home is one of the biggest financial decisions you'll make, and if you have student loan debt, you might wonder if homeownership is even possible. The good news? It absolutely is!

As a real estate agent in Auburn and Opelika, I’ve helped many buyers navigate the process, even with student loans. With the right strategy and planning, you can qualify for a mortgage and own a home—without feeling overwhelmed by debt.

1. Understand Your Debt-to-Income (DTI) Ratio

Lenders look at your debt-to-income (DTI) ratio to determine how much home you can afford. Your DTI is the percentage of your monthly income that goes toward debt payments, including student loans, car loans, and credit cards.

???? Most lenders prefer a DTI of 43% or lower.

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When searching for a home in Auburn or Opelika, one of the biggest decisions you'll face is whether to buy a brand-new home or go for a resale property. Both options have their advantages and drawbacks, and the right choice depends on your priorities, budget, and long-term goals.

As a local real estate expert, I’m here to help you weigh the pros and cons so you can confidently make the best choice for your future home.

The Benefits of Buying a Newly Built Home

1. Modern Features & Energy Efficiency

New homes are built with the latest materials, technology, and energy-efficient appliances. Many come with smart home systems, better insulation, and lower utility costs, making them attractive to buyers looking for convenience and savings.

2.…

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Your roof is one of the most important parts of your home, protecting you and your belongings from the elements. However, it’s often easy to forget about until something goes wrong. Regular roof inspections and maintenance are crucial for avoiding costly repairs and ensuring your roof lasts as long as possible. Here's why keeping your roof in top condition matters.

1. Catch Problems Early

A small issue today, like a loose shingle or a small leak, can turn into a major problem if left unchecked. Regular roof inspections help you catch minor issues before they become expensive repairs. The earlier you identify and address these problems, the less you’ll spend on fixing them in the future.

2. Extend Your Roof’s Lifespan

Roofs are built to last,…

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Refinancing your mortgage can be a powerful tool to improve your financial situation, whether you want to lower your monthly payments, access home equity, or lock in a better interest rate. But how do you know if it’s the right time to refinance? In this blog, we’ll walk you through the refinancing process, explain when it makes sense, and highlight the benefits of refinancing for homeowners.

What Is Mortgage Refinancing?

Mortgage refinancing is the process of replacing your current home loan with a new one, typically with different terms. Homeowners often refinance to take advantage of lower interest rates, adjust the loan duration, or tap into the equity in their home. Refinancing can also help you consolidate debt or switch from an…

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As more people work from home, turning your space into an effective home office is essential. Whether you’re working from a dedicated room or simply carving out a corner in your living area, setting up a comfortable, functional, and productive home office starts with the right furniture and layout. Here are some key tips to create a workspace that works for you—no matter your available space.

1. Choose the Right Furniture for Your Space

The furniture you choose will set the tone for your entire office. Start with these essentials:

  • Desk: Whether you’re working with a small nook or a spacious room, the desk is the focal point of your office. If you have limited space, go for a compact desk that offers enough surface area for your laptop,…

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Owning a home comes with a lot of responsibilities, but with the right maintenance, you can keep your property in great shape and avoid costly repairs down the road. Whether you're a new homeowner or a seasoned pro, it's essential to stay on top of regular maintenance tasks throughout the year.

To help you keep your home in tip-top shape, I've created a seasonal home maintenance checklist. From cleaning gutters to inspecting HVAC systems, these simple tasks will ensure your home stays comfortable, efficient, and safe for years to come.

Spring Maintenance Checklist

As the weather warms up, it’s time to prepare your home for the upcoming summer months. Here are the key tasks to tackle in the spring:

1. Clean and Inspect Gutters

Spring storms…

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As a homeowner, understanding property taxes is essential for managing your finances and ensuring your home remains affordable. Property taxes can be confusing, but with the right knowledge, you can take advantage of potential deductions and find ways to reduce your tax burden.

How Property Taxes Work

Property taxes are typically assessed by local governments, and they’re based on the value of your property. The tax is calculated by multiplying your home’s assessed value by the local tax rate. These taxes are used to fund public services like schools, roads, and emergency services.

  • Assessed Value: This is the value of your home as determined by the local tax assessor. It may differ from your home’s market value.

  • Tax Rate: The tax…

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Looking to give your home a fresh look without breaking the bank? It’s easier than you think! Refreshing your home’s interior doesn’t require a huge budget or a complete renovation. Here are some simple, budget-friendly ways to make your home feel brand new.

1. Repaint Walls for a Fresh Look

One of the most cost-effective ways to refresh any room is with a fresh coat of paint. Changing the color of your walls can dramatically transform the atmosphere of a room, making it feel larger, brighter, or more relaxing. Stick to neutral shades for a timeless look, or go bold with accent walls for added drama. The best part? Painting is something you can easily do yourself!

2. Rearrange Funiture for a New Vibe

Sometimes, all your space needs is a new…

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As people age, their mobility and needs can change. Whether you're planning to age in place or want to help a loved one stay comfortable and safe at home, there are several simple and effective ways to make your home more accessible. By making a few thoughtful modifications, you can ensure that your home remains a comfortable, safe, and functional space for years to come.

1. Install Grab Bars and Handrails

Falls are a common risk for seniors, especially in places like bathrooms and stairways. Installing grab bars in the shower, near the toilet, and along stairways can provide vital support. These small additions help people transition from sitting to standing and offer stability during everyday movements.

  • Shower & Tub: Install grab bars on…

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February in Auburn is filled with an exciting array of events that cater to every interest. Whether you’re into live theater, sports, or fun activities with friends, there's something for everyone to enjoy this month. Here are some of the most popular events you won’t want to miss!

Feb 4, 5, 6 – Pretty Woman: The Musical at The Gogue Performing Arts Center
A beloved classic is coming to life on stage! Don’t miss Pretty Woman: The Musical, a fresh take on the iconic 1990 film. With stunning performances, catchy tunes, and a heartwarming story, it’s an unmissable experience at the Gogue Performing Arts Center.

Feb 6 – Royal Revelry Night at Auburn Public Library
Celebrate all things royal at this fun and festive event! The Auburn Public Library hosts a…

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