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www.gregorylandgroup.com Online searches for down payment information recently hit an all-time high. That shows a lot of buyers aren’t sure what’s actually required, and they’re looking for answers. Unfortunately, many still think they have to put 20% down. But the data says something very different is happening. The typical first-time buyer actually puts down about 10% – that’s half of what you probably expected. And some do as little as 3.5% or even 0% down (depending on their loan type). So, that 20% myth is only holding you back and delaying your timeline more than necessary. If you’re curious about what’s really required, it’s worth having a conversation with a trusted lender. A true expert can give you better information than an online search. Then let's chat about what your budget can get you in today’s market. #DownPayment #HomebuyingTips Elizabeth Gregory, Realtor Cell: 660.621.2136 Email: Elizabeth@gregorylandgroup.com Location: 115 W. Washington St, Kirksville, MO 63501 Website: www.gregorylandgroup.com

Just Sold! 514 Lakeside Manor Dr in Kirksville If you’re thinking about buying or selling, now is a great time to get started. Contact me at 660.621.2136 if you have questions or if I can help you with any real estate needs.

🏡Every Home Sale Has a Story🏡 Here is part of how this property went from a "For Sale" Listing to a Buyer's New Home. Thrilled to have been a part of another successful selling story!

www.gregorylandgroup.com If you’re currently asking yourself: can I stay in this house long-term, or does it make more sense to move? Here’s what I'd tell you. While aging in place can be a great option, over time it usually means making updates so your home continues to work for you. Some of those changes are simple. Others can be more of an investment. That’s why planning ahead matters if you think you want to go this route. It gives you the chance to spread out the work and the costs over time. But it’s also okay if you don’t want to take that on. If this has crossed your mind at all and you’re trying to decide what’s next, what projects to tackle, or what else is out there, let’s talk it through. #AgingInPlace #Downsizing Elizabeth Gregory, Realtor Cell: 660.621.2136 Email: Elizabeth@gregorylandgroup.com Location: 115 W. Washington St, Kirksville, MO 63501 Website: www.gregorylandgroup.com

Buying a home is one of the most exciting things you’ll do in your life. It’s also likely the most expensive. Unless you have a swimming pool full of cash, you’ll need to take out a mortgage to help finance the purchase of a home. Applying for a mortgage can be nerve-wracking, especially if you’re doing it for the first time. The good news is that you can set yourself up for success by following these seven steps. Elizabeth Gregory, eXp Realty LLC 660.621.2136 www.missourihomeandfarm.com Innovative Real Estate for YOU! #mortgage #preapproval

Just Sold! 514 Lakeside Manor Dr in Kirksville If you’re thinking about buying or selling, now is a great time to get started. Contact me at 660.621.2136 if you have questions or if I can help you with any real estate needs.

This pool looks like the ultimate weekend chill zone! 🏊‍♂️☀️ Perfect for relaxing, cooling off, and soaking up those good vibes all day long. Would you spend your weekend poolside here? Elizabeth Gregory, eXp Realty LLC 660.621.2136 www.missourihomeandfarm.com Innovative Real Estate for YOU! #pool #homewithpool

This master bedroom is giving major neutral vibes — peaceful, clean, and timeless. 🛌🤍 Would you stick with this look or go bold with color? Elizabeth Gregory, eXp Realty LLC 660.621.2136 www.missourihomeandfarm.com Innovative Real Estate for YOU! #bedroom #homedecor