YOUR NAME, REALTOR – DECEMBER 2024
 
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It’s officially the most wonderful time of the year—and no, I’m not just talking about peppermint lattes and Mariah Carey on repeat (although, same). I’m talking about cozy nights, holiday magic, and, of course, the best time of year for all things to do in [city name]. 
 
If you’re ready to soak in the Christmas spirit, don’t miss these amazing light displays around town: 
[erase after reading, insert your area list below]
 
✨ Glendale Glitters: Stroll through millions of sparkling lights in downtown Glendale. Buddy would lose his mind!

✨ ZooLights at the Phoenix Zoo: Holiday magic meets adorable animals. It's a win-win!

✨ Christmas at the Princess: The Fairmont Scottsdale Princess goes all out with a winter wonderland, skating rink, and more.

✨ Las Noches de las Luminarias: For a stunning desert holiday vibe, check out the Desert Botanical Garden.

✨ Neighborhood Tours: Take a drive through Arcadia or Ahwatukee Foothills for some incredible neighborhood displays.
PSA: Don’t Use Your Credit Cards to Purchase Christmas Gifts
Thinking about buying a home or already under contract? Here’s a holiday tip....
 
Avoid using your credit cards for holiday shopping!
Why is this so important? Big holiday spending can mess with your credit score and debt-to-income ratio—two major factors that lenders evaluate when approving your mortgage.
 
Charging up those credit cards could lead to:
 
❌ A lower credit score
❌ Higher interest rates
❌ Potential issues or delays with your loan approval
 
Already under contract? Don’t risk your closing by adding new debt!

Don't Believe Everything You Hear
When it comes to buying a home, down payment myths can make the process seem more intimidating than it really is.
 
Many potential buyers hold back because they believe outdated or incorrect information that doesn’t reflect today’s market options. Let’s discuss the top three misconceptions keeping people from taking the leap into homeownership:
 
❌ You need 20% down to buy a home. Most buyers today put down far less, with programs offering options as low as 3-5%.
 
❌ A smaller down payment means unaffordable monthly costs. Lenders work with you to find payments that fit your budget, even with a lower upfront investment.
 
❌ You can’t use gifts or assistance for your down payment. Many buyers rely on family gifts or down payment assistance programs to get started.
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As 2024 comes to a close, I want to take a moment to thank each and every one of you for making this year unforgettable! 🙏 Whether you bought or sold, referred friends, or simply supported my journey, I couldn’t have done it without YOU.
Helping [X number] of families find their dream homes!
–––––––––––––––––––––
Closing on [X] successful listings
___________________
Navigating the market with confidence and commitment.
___________________
Seeing clients achieve their real estate goals
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ENJOY YOUR DECEMBER 
AND MERRY CHRISTMAS
Share something personal here about your business OR something about your personal life, example: Last month had some exciting updates. I had  several buyers and sellers successfully go under contract and close their transactions. A big shout-out to my trusted title company, [insert name], for their consistent dedication to getting things done promptly and efficiently.
 
Your Name Here
FOLLOW ME ON @IGHANDLEHERE
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⭐️⭐️⭐️⭐️⭐️
 
ANOTHER HAPPY BUYER/SELLER
 
“Insert a review you have received recently from a buyer/seller you worked with.” Reminder: If you aren't asking for reviews there is an easy way for you to do this after closing: inside your member dashboard under “print” is a sections for Review Cards. Print those and stuff em' in closing gift baskets or send to them in the mail after closing - super easy.
 
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Peoria, AZ 85383, usa