Hanne Sagalowsky
September 2023

Things Lenders Can’t Ask You
We’ve talked here before about the types of questions you can expect to be asked when you begin to complete a loan application. Along with this, we explain why the lender asks the things it does and the proper types of answers that may fit your situation. Lenders can certainly ask about your social security number, employment, income and how much money you have available to close on the transaction, among others. 
      These are all perfectly legitimate queries designed to help the lender put you in the mortgage program with the best fit for you. But on the flip side, let’s talk about the types of questions lenders are forbidden to ask. If some of these questions do in fact come
U.S. averages as of September 2023:

30 yr. fixed: 7.23%
15 yr. fixed: 6.55%
5/1 yr. adj: 6.5%

come up, it’s time to get up from the table and walk away.
      As a woman, do you plan to get pregnant soon or are  you already pregnant? This question is
houseWondering What Your Home Is Worth?

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What Is Hygge Décor and Why Is It So Popular?
     One of the most sought-after and Instagram-worth interior décor styles right now is hygge.
      So what is Hygge? It’s a Danish concept focused on quiet comfort with neutral and warm color palettes, plush textures, natural greenery, and a general sense of coziness. If you’re wondering how it’s pronounced, it’s hoo-gah, and it doesn’t actually have a literal translation. It’s more of a feeling.
      The use of the word dates back to the 1800s as it started to appear in Danish writing, stemming from a Norwegian word that meant well-being. It was originally a noun hundreds of years ago, but a few years ago, it became more of a lifestyle concept.
      Hygge can actually include many

How Much Will New Home Upgrades Cost?
     We’ve talked a lot about the difference between new construction homes and existing homes, outlining the pros and cons of each and examining the big picture difference in price (as well as some of the additional costs like homeowner’s association fees. We also took a more general look at the added cost of upgrades and options, but today we are going into more detail. 
      If you’re thinking of buying a new home, understanding and considering these extra costs is important. Many buyers fall in love with a model home and are disappointed to see that the “real” home they are buying is full of builder basics, like unimpressive flooring and countertops, and no fancy backsplash or tiled shower. There may not be any grass or landscaping in the backyard or window coverings at all either. 
      Here’s what you need to know.
      What is included in the base

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Hanne Sagalowsky,

Coldwell Banker Global Luxury Dallas
5950 Sherry Lane, #200
Dallas, TX 75225

Equal Housing Opportunity

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