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🚨 Not-so-friendly reminder… You DON’T need 20% down to buy a home. 🏡 That 20% number has been repeated for so long that people assume it’s a rule. It’s not. Depending on the loan program and your8 situation, there are options that may require far less upfront. And putting less than 20% down doesn’t automatically mean you’re doing something wrong. The bigger question is: “What loan option actually makes sense for YOU?” So before you decide, “I need to save another $80,000 before I can buy…” 😩 Talk to a local lender. You might be closer to homeownership than you think. 🔑 The Reyes Team Helping families achieve the dream of homeownership. 🏡 775-351-9265 www.myrenohometeam.com⁠� Angelica Reyes BS. 145567 RE/MAX Professionals #RenoRealEstate #RenoRealtor #HomeBuyingTips #FirstTimeHomeBuyer #Homeownership

Helping people find more than a house, we help them find the place they’ll call home. From the first showing to the closing table, The Reyes Team is here to make the journey feel confident, informed, and personal. Thinking about buying or selling? Let’s talk about your next move. ✨ 📞 775-351-9265 🌐 www.myrenohometeam.com Angelica Reyes BS. 145567 RE/MAX Professionals #TheReyesTeam #RenoRealEstate #RenoNV #NorthernNevadaRealEstate #RenoHomes #HomeBuying #RealEstateProfessionals #FindYourHome

🚨 Not-so-friendly reminder… You DON’T need 20% down to buy a home. 🏡 That 20% number has been repeated for so long that people assume it’s a rule. It’s not. Depending on the loan program and your situation, there are options that may require far less upfront. And putting less than 20% down doesn’t automatically mean you’re doing something wrong. The bigger question is: “What loan option actually makes sense for YOU?” So before you decide, “I need to save another $80,000 before I can buy…” 😩 Talk to a local lender. You might be closer to homeownership than you think. 🔑 The Reyes Team Helping families achieve the dream of homeownership. 🏡 775-351-9265 www.myrenohometeam.com⁠� Angelica Reyes BS. 145567 RE/MAX Professionals #RenoRealEstate #RenoRealtor #HomeBuyingTips #FirstTimeHomeBuyer #Homeownership #NorthernNevadaRealEstate #TheReyesTeam

Helping people find more than a house, we help them find the place they’ll call home. From the first showing to the closing table, The Reyes Team is here to make the journey feel confident, informed, and personal. Thinking about buying or selling? Let’s talk about your next move. ✨ 📞 775-351-9265 🌐 www.myrenohometeam.com Angelica Reyes BS. 145567 RE/MAX Professionals #TheReyesTeam #RenoRealEstate #RenoNV #NorthernNevadaRealEstate #RenoHomes #HomeBuying #RealEstateProfessionals #FindYourHome

Be honest… have you ever said one of these while buying a home? 👀😂 Most of these sound harmless, until you find out why your Realtor and lender suddenly looks nervous. The home-buying process has a LOT of moving parts, and sometimes the smallest decision can create a much bigger problem later. That’s why we’re here. 🏡 We explain the stuff nobody thinks to ask about, before it becomes a problem. Save this for when you’re house hunting, and follow The Reyes Team for more real estate tips, local insight, and the things nobody tells you about buying a home. 775-351-9265 www.myrenohometeam.com⁠ Angelica Reyes BS. 145567 RE/MAX Professionals #RenoRealEstate #RenoRealtor #NorthernNevadaRealEstate #HomeBuyingTips #FirstTimeHomeBuyer

10 Things no one tells you when buying new construction 🤐 Buying a brand-new home? Here are 10 things you may want to know before you sign. 1. The model home may include upgrades. That gorgeous kitchen, flooring, lighting, and landscaping may not be included in the base price. 2. Compare your financing options. Builder incentives can be valuable! Just make sure you compare the overall cost, rate, fees & APR so you know which option works best for you. 3. Representation matters. The sales team at the community is there to help you purchase the builder's home. Your own Realtor can help you navigate the transaction from the buyer's perspective. 4. Ask ALL the questions. Lot premiums? Upgrades? HOA? Timeline? Warranty? Closing costs? If you're wondering about it, ask. 5. Brand-new doesn't mean zero punch-list items. Your new home may still have small items that need attention before or after closing. 6. An inspection is still a great idea. 🔍 A new home can benefit from an independent inspection too, and some buyers choose to inspect at different stages of construction. 7. There may be more room to negotiate than you think. Depending on the builder and current incentives, you may have options when it comes to upgrades, closing costs, or other incentives. 8. Understand what IS and ISN'T included. Don't assume something you see in the model comes with the home. Get everything in writing. 9. Research the builder and community. Look at reviews, warranty service, construction quality, floor plans, HOA details, and what matters most to YOU. 10. Your timeline can change. ⏰ Construction timelines are estimates, and things like weather, materials, permits, and inspections can affect the schedule. The biggest takeaway: New construction can be an amazing way to buy a home, but knowing what to expect can make the experience so much smoother. 🏡✨ 🚨 Planning to tour a new-construction home? Call The Reyes Team FIRST! We can help you find available and upcoming communities and make sure you have an advocate on your side before you step into the model home. The Reyes Team www.myrenohometeam.com 775-351-9265 Angelica Reyes BS. 145567

Before you make an offer, don’t just tour the house tour the neighborhood. Try driving through at 7 AM, 3 PM, and 9 PM. You might notice things you wouldn’t catch during a typical showing: 🚗 Traffic & commute 🔊 Noise levels 🏘️ Neighborhood activity 🌙 How the area feels at night 🅿️ Parking & street activity Because you’re not just buying a house you’re buying into the neighborhood, too. Save this tip for your next home search! 🔖 Follow us for more Homebuying tips! The Reyes Team 📞 775-351-9265 🌐 www.myrenohometeam.com Angelica Reyes BS. 145567 RE/MAX Professionals

🏡 If your goal for 2026 is buying a house… DO NOT do these 5 things. 🚫 Buy a car Your new payment could affect how much house you qualify for. 🚫 Only look on Zillow Start looking at the MLS with your Realtor. That’s where you’ll get the most complete picture of what’s actually available. 🚫 Deposit large amounts of cash into your bank account Unexplained deposits can create underwriting headaches. Keep your finances clean and documented. 🚫 Change jobs or careers unnecessarily Your employment history matters. If you’re thinking about making a major career move, talk to your lender FIRST. 🚫 Use an online lender just because the rate looks good A local lender who knows the market and can communicate quickly can make a BIG difference when you’re trying to close. 🚫 Wait until you find “the house” to talk to a lender START EARLY. Getting pre-approved before you shop gives you a clear budget and helps you move confidently when the right home comes along. The biggest mistake? Rushing the process. Buying a home is easier when you have the right team and a plan BEFORE you start shopping. 🏡 Thinking about buying in 2026? Start the conversation early. Call The Reyes Team 775-351-9265 Angelica Reyes/Broker Manager RE/MAX Professionals Lic# BS.145567 #HomeBuyingTips #FirstTimeHomeBuyer #RenoRealEstate #RenoNevada #HomeBuying #MortgageTips #RealEstateTips #2026HomeGoals