Her Real Estate Office

  Washington D.C. - In the heart of August 2025, the digital grapevine hums with persistent rumors of impending stimulus checks, igniting sparks of hope for millions of Americans navigating a complex economic landscape. Headlines touting guaranteed payments of $725, $1,390, and even $2,000 have proliferated across social media and certain news outlets, creating a confusing and often misleading narrative. However, a thorough examination of factual information from the past 30 days reveals a starkly different reality: there are no new, broad-based federal stimulus checks authorized for distribution to the American public. The era of pandemic-era Economic Impact Payments has drawn to a close, replaced by a landscape of targeted state-level initiatives, the final settlement of past obligations, and a lone legislative proposal that remains far from law. The primary source of legitimate, albeit limited, direct payments from the federal government in recent weeks stems from the Internal R...

Understanding the Bill’s Housing Impacts for Renters 1. Expanded Low‑Income Housing Tax Credit (LIHTC) The bill notably increases and extends LIHTC, a key tool for financing affordable rental construction and preservation. Analysts estimate this could create or preserve over 1 million units between 2026 and 2035 . 2. Stimulus for Private Rental Development With tax incentives locked in—like permanent bonus depreciation and QBI deductions—developers have stronger incentives to build rental housing. That may slowly ease rental supply constraints . 3. Uneven Geographic Effects Other provisions, like expanded SALT deductions, primarily aid homeowners in high-tax states. While they don’t directly help renters, they stabilize broader housing dynamics . --- What Renters Stand to Gain • More Affordable Rental Options Over Time Thanks to LIHTC, the supply of income-restricted rentals should increase, offering more units at lower rents—especially near city centers. • Competition-F...

As of July 15, 2025, President Trump's "One Big Beautiful Bill" (OBBB Act) has been signed into law, and its provisions are already beginning to ripple through the U.S. economy, with significant implications for the real estate market. While the bill covers a broad spectrum from national security to agriculture, its core tax and infrastructure components are the ones reshaping the landscape for homeowners, developers, and investors alike. Let's dive into how this landmark legislation is impacting real estate: 1. Tax Policy: A Boost for Buyers and Businesses The OBBB Act delivers several key tax changes that directly influence affordability and investment in real estate: Permanent 20% Qualified Business Income (QBI) Deduction : For real estate professionals and other pass-through business owners, the permanent extension and slight enhancement of the 20% QBI deduction (Section 199A) is a major win. This prevents a significant tax hike that was otherwise sch...

  If you’ve been dreaming of homeownership but feel like high down payments and strict credit requirements are standing in your way, I want to introduce you to one of the most underrated mortgage options available in 2025: the USDA Loan . As a real estate agent, I work with buyers from all walks of life—and I can tell you, USDA loans are a powerful, affordable tool for those looking to buy a home in eligible rural or suburban areas. In fact, many of my clients are surprised to learn that they do qualify—even if they’re not looking to live on a farm. In this post, I’ll walk you through everything you need to know about USDA loans in 2025: how they work, who qualifies, the benefits and limitations, and how to apply with confidence. What Is a USDA Loan? A USDA loan is a mortgage loan program backed by the U.S. Department of Agriculture , designed to help low-to-moderate-income families purchase a home in eligible rural or suburban areas . The USDA loan program offers 100% ...

If you're preparing to buy your first home , chances are you've come across the term FHA Loan —and maybe you’re wondering what it really means. As a professional real estate agent who’s helped many clients navigate the home-buying process, I can tell you firsthand that FHA loans are one of the most popular mortgage options for first-time buyers , and for good reason. In this post, I’ll break down everything you need to know about FHA loans in 2025—from what they are and how they work, to who qualifies, the pros and cons, and how to get started. So if you’re feeling a little overwhelmed by mortgage jargon, don’t worry—I’ve got you. What Is an FHA Loan? An FHA loan is a mortgage backed by the Federal Housing Administration , designed to make homeownership more accessible, especially for first-time buyers and those with less-than-perfect credit . Because the government insures the loan, lenders are more willing to offer favorable terms to buyers who might not qualify for con...

If you're exploring your options for buying a home , you've probably heard the term conventional loan thrown around quite a bit. But what is a conventional loan exactly—and how does it compare to government-backed loans like FHA, VA, or USDA? In this comprehensive guide, we'll break down what a conventional loan is, who qualifies, the pros and cons, and whether it's the right mortgage option for you in 2025. Whether you're a first-time homebuyer or a seasoned property investor, understanding the ins and outs of a conventional loan can help you make smarter financial decisions. What Is a Conventional Loan? A conventional loan is a type of mortgage that is not insured or guaranteed by the federal government . Instead, it is issued by private lenders such as banks, credit unions, or mortgage companies, and often conforms to guidelines set by Fannie Mae and Freddie Mac , two government-sponsored enterprises. There are two main types of conventional loans: Con...

Buying a house is one of the biggest financial decisions you'll ever make—and in 2025, the rules of the game have shifted. Rising interest rates, fluctuating inventory levels, remote work flexibility, and a growing generation of digital-native buyers are reshaping the way real estate works. Whether you're a first-time homebuyer or looking to relocate, understanding how to buy a house in 2025 can help you navigate the process with clarity and confidence. This guide walks you through every step—from financial preparation to closing—while offering updated tips tailored to today’s housing market conditions. Why Buying a House in 2025 Is Different The 2025 housing market is stabilizing after years of volatility. While home prices remain high in some areas, new inventory and adjusted interest rates are creating windows of opportunity for savvy buyers. Here’s what’s unique about buying in 2025: Interest rates have moderated but remain higher than the ultra-low rates of 2020–20...