Omolara Ajewole, Howard Hanna

09/19/2026

🏡 REAL ESTATE EDUCATION #4

What Is Earnest Money? 💰

You make an offer on a home and hear:

“Don't forget about earnest money.”

But what is it?

Earnest money is generally a deposit made with your offer or shortly after your offer is accepted. It shows the seller that you're serious about purchasing the property.

If the transaction closes, the deposit is typically credited toward your purchase costs, subject to the terms of the agreement.

⚠️ Important: What happens to earnest money if a transaction doesn't close depends on the contract and circumstances.

Never be afraid to ask questions about your deposit before signing.

📌 Save this post for your home-buying journey!

Note:

“WHAT IS EARNEST MONEY? 💰
Think of it as a deposit showing you're serious.”

09/18/2026

🏡 REAL ESTATE EDUCATION #3

Your Credit Score Matters When Buying a Home

Your credit history can play an important role in the mortgage process.

It can affect things such as:

✔️ Loan eligibility
✔️ Interest rate
✔️ Loan terms
✔️ Potential monthly payment

If buying a home is one of your goals, don't wait until you're ready to make an offer to look at your credit.

Start early.

Pay attention to your payment history, outstanding debts, credit utilization, and errors on your credit report.

Small financial decisions today can matter when you're preparing to buy.

📌 Thinking about buying within the next year? Start preparing now.

“BUYING A HOME SOON?
Start paying attention to your credit NOW.”

09/17/2026

🏡 REAL ESTATE EDUCATION #2

How Much House Can You REALLY Afford?

Just because a lender says you qualify for a certain amount doesn't necessarily mean you should spend that much.

Remember to consider:

💰 Mortgage payment
🏠 Property taxes
🛡️ Homeowners insurance
🔧 Maintenance and repairs
💡 Utilities
💳 Other monthly debts

Your goal isn't simply to buy the most expensive home you qualify for.

It's to find a home that fits comfortably within your overall financial plan.

Know your numbers before you shop!

📌 Save this for your future home search.

09/16/2026

🏡 REAL ESTATE TIP #1: Pre-Approval vs. Pre-Qualification What’s the Difference?

If you’re thinking about buying a home, you may hear both terms but they are NOT the same.

💡 Pre-Qualification
A lender gives you an estimate of what you may be able to borrow based on information you provide.

💡 Pre-Approval
The lender reviews more detailed financial information, such as your income, assets, credit, and debts, to determine how much you may be qualified to borrow.

👉 Why does this matter?

A pre-approval can help you:
✅ Understand your realistic price range
✅ Build a stronger offer
✅ Know your estimated monthly payment
✅ Shop for homes with more confidence
✅ Identify financial issues early

My advice: Before you fall in love with a house, talk to a lender and understand your numbers.

🏠 Know your numbers. Know your budget. Then start house hunting!

I’m always happy to help first-time buyers understand the home-buying process.

09/11/2026

🙏🇺🇸 September 11 A Day to Remember

Today, we remember those whose lives were lost on September 11, 2001.

We pray for the families who continue to carry their loved ones in their hearts. We honor the first responders and heroes who gave so much, and we remember the unity and compassion that brought people together in the days that followed.

May God comfort every family still carrying the weight of that loss.

We remember. We honor. We will never forget. 🕊️

09/03/2026

🎉🏡 A FIRST-TIME HOMEBUYER WIN! 🏡🎉

One of my buyers just reached a HUGE milestone…

✅ PRE-APPROVED! 🎊

This means the dream is getting closer, and now comes the exciting part…

🔍✨ HOUSE HUNTING BEGINS! ✨🔍

From touring homes, comparing neighborhoods, and finding “the one,” I’ll be there every step of the way.

Buying your first home is more than a transaction, it’s a journey, and I love helping my clients make it happen. 🏡❤️

Are you thinking about buying your first home? Let’s start with a conversation!

09/03/2026

🏡 What’s Happening in the Real Estate Market Right Now?

The market is changing… but that doesn’t mean you should sit on the sidelines.

📌 For Buyers:
More choices are becoming available, and some sellers are becoming more flexible with negotiations. The right home, at the right price, can still be a great opportunity.

📌 For Sellers:
Pricing your home correctly is more important than ever. Buyers are paying attention to condition, location, and value. A strong marketing strategy can make the difference between sitting on the market and getting an offer.

📌 The Interest Rate Conversation:
Mortgage rates continue to impact affordability, which means having a clear budget and a knowledgeable agent by your side is key.

The biggest mistake is waiting for the “perfect” market… because nobody can predict exactly when that will happen.

✨ The best time to make a move is when your personal goals and finances line up.

Thinking about buying, selling, or just curious about your home’s value?

📲 Let’s have a conversation. I’m happy to help you understand YOUR local market.

🏡 Your home goals deserve a strategy, not guesswork.

08/26/2026

📍 Reduced Price 📍 This recently reduced home at 241 Watson Blvd in Pittsburgh won't last long, so, don't wait to set up a showing! Reach out here or at (724) 327-0123 for more information!

Charming brick home in the heart of Observatory Hill offering space, character, and versatility! This well-maintained 3-bedroom, 1.5-bath home features beautiful hardwood floors, spacious living areas, and timeless original details throughout. The inviting living room includes a cozy decorative f...

08/26/2026

🏡 Thinking About Buying a Home? Read This First!

One of the biggest mistakes buyers make is waiting until they find the perfect house before talking to a real estate agent.

The truth? Preparation comes first. ❤️

Before you start scrolling through listings, it helps to know:

✅ What you can comfortably afford
✅ What your monthly payment could look like
✅ What neighborhoods fit your lifestyle
✅ What repairs or updates you should expect
✅ What closing costs may look like
✅ What your financing options are

The goal isn't just to find a house. It's to find a home that makes financial sense for YOU.

If buying a home is somewhere on your 2026 or 2027 goal list, let's start the conversation early. No pressure. Just information. 🏠✨

📩 Send me a message and let's talk about your next move.

Your dream home starts with a plan.

08/18/2026

Buying a home doesn't have to wait. Rate Reducer helps make homeownership more affordable with lower monthly payments during the first two years. Contact us to see if you qualify: https://www.howardhannamortgage.com/ 🏠