Understanding the Importance of Owners’ Associations and Association Documents
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Understanding the Importance of Owners’ Associations and Association Documents

ByKatina Farrell

As a Realtor®, I often guide clients through HOA communities, and one of the most critical aspects we focus on is the association documents. These documents aren’t just paperwork—they’re your guide to understanding what’s expected of you as a homeowner and what you can expect from the HOA. They outline important details like community rules, financial obligations, and even how the HOA makes decisions.

Whether you’re a first-time buyer or seasoned seller, taking the time to dig into these documents can save you from surprises down the road. It’s all about knowing what you’re signing up for and ensuring the community aligns with your lifestyle and goals.

How to Prepare Financially for Your Next Mortgage Post-Divorce
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How to Prepare Financially for Your Next Mortgage Post-Divorce

ByKatina Farrell

With a realistic financial plan, some strategic steps, and the right people in your corner, you can set yourself up for success and move forward with confidence. The goal isn’t just to secure a new mortgage—it’s to create a fresh start that feels stable, secure, and full of possibility. Let’s walk through the essentials to get you there.

Understanding the Significance of Earnest Money Deposits

Understanding the Significance of Earnest Money Deposits

ByKatina Farrell

When buying a home, there are many moving pieces, but one that often gets overlooked—yet carries significant weight—is the earnest money deposit. Often referred to as the “good faith deposit,” this is more than just a financial formality; it’s a signal to the seller that you’re serious about the purchase.

How Credit Scores Can Make or Break Your Home-Buying Plans
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How Credit Scores Can Make or Break Your Home-Buying Plans

ByKatina Farrell

Divorce is hard enough emotionally, but the financial aftermath can feel like an uphill battle. One area that often gets overlooked is your credit score—a small number that can have a big impact on your post-divorce plans, especially if buying or refinancing a home is part of your next chapter. As a Certified Divorce Real Estate Expert (CDRE®), I’ve seen how even minor credit issues can snowball into major roadblocks. Protecting your credit during this transition is not just smart—it’s essential. Whether you’re hoping to stay in your current home or find a fresh start in a new one, understanding your credit’s role in the mortgage process is key to moving forward confidently.

Why Declaring Exclusions in your property contract matters.

Why Declaring Exclusions in your property contract matters.

ByKatina Farrell

Exclusions are essentially items you plan to take with you when you move. By clearly stating them in the contract, you set the right expectations for buyers. The last thing you want is for a buyer to walk into their new home, expecting that beautiful dining room light fixture, only to find it missing—and then have a legal dispute on your hands.

Mortgage Rates Are Rising—Here’s How That Affects Divorcing Homeowners
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Mortgage Rates Are Rising—Here’s How That Affects Divorcing Homeowners

ByKatina Farrell

Navigating divorce is challenging enough without the added pressure of rising mortgage rates. For divorcing couples, higher rates can complicate decisions like buying out a spouse’s share of the marital home or purchasing new housing. A jump in rates can significantly increase monthly payments, impacting affordability and overall financial stability.

Why Declaring Inclusion in Your Property Contract is Vital

Why Declaring Inclusion in Your Property Contract is Vital

ByKatina Farrell

When buying or selling a home, every detail matters, especially in the property contract. One area often overlooked but incredibly important is declaring what’s included in the sale. This isn’t just about listing a few appliances here and there – it’s about setting clear expectations for both the buyer and the seller.

Why Getting a Mortgage During Divorce is Tougher Than You Think—and How to Navigate It
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Why Getting a Mortgage During Divorce is Tougher Than You Think—and How to Navigate It

ByKatina Farrell

In this post, I’ll walk you through the main hurdles and offer practical tips to help you or your clients make the best decisions in the mortgage process post-divorce. Because with the right strategies, securing that fresh start is absolutely within reach.

Understanding the Garn-St. Germain Act & Joint Mortgages in Divorce

Understanding the Garn-St. Germain Act & Joint Mortgages in Divorce

ByKatina Farrell

Navigating a divorce is challenging enough, but when real estate is involved, things can get even more complex. One common concern is what happens with a jointly held mortgage if one spouse wants to keep the home. The Garn-St. Germain Act can play a significant role here, but not everyone understands how it works. As a Certified Divorce Real Estate Expert (CDRE), my goal is to help you see what’s possible when it comes to joint mortgages, keeping it simple and meaningful for your unique situation.

The Essential Role of Inspections in Homebuying

The Essential Role of Inspections in Homebuying

ByKatina Farrell

Buying a home is a huge milestone—exciting but also a bit overwhelming, especially when it comes to the inspection process. Skipping an inspection might seem tempting to save a little time or money, but it’s one of the smartest steps you can take. A thorough inspection uncovers hidden issues, gives you leverage in negotiations, and ensures your future home is safe and sound. Here’s why a home inspection is essential before you sign on the dotted line.