Merritt REsources - Your Real Estate Source

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Richmond, VA
Merritt REsources - Your Real Estate Source

Real Estate for Buyers, Sellers, Investors. In Virginia, across the US or the world. We can help you with one of your most important investments!

CLICK HERE: https://www.merrittresources.com/ REALTORS CLICK HERE: https://cyndimerritt.exprealty.careers/ BACKGROUND & WHAT IT MEANS TO YOU

I have been involved with real estate and investments in one form or another since the early 80’s. Back then, I was a loan officer and investment adviser for a local bank. In case you don’t remember, in the early 80’s the Prime Lending Rate fluctuated around 20%, the Dow Jones was under 800 and the average home price was just over $47,000. My how times have changed! Being in banking for almost 20 years gave me a wonderful understanding of our financial and economic world. Holding several Investment Series Licenses, I have a strong appreciation for your investment portfolio and the role that real estate plays in it. And because I spent years in lending and credit counseling, I can also help you navigate through the mortgage loan process along side my very knowledgeable mortgage partners. During the 90's while operating a family-owned wholesale brokerage company, I began my own rental property portfolio and handled the General Contractor duties for my primary residence. I developed the architectural design and later several additions. As a Real Estate Investor myself, I have done a variety of property renovations, “fix and flips”, “buy and holds”, wholesales, and even some interior design and landscape design. Yes, I will swing a hammer, climb a ladder, crawl under a house and I’ve been told I get more paint on myself than on the walls…. but the point is, I will do whatever it takes to get the job done. In 2004, it was time to take all the real estate knowledge I had accumulated and combine it with the decades of customer service, marketing, sales and negotiation experience I had acquired. I became a Licensed REALTOR® in the Commonwealth of Virginia. My business is operated almost exclusively by referral and I love helping my clients and then their families, friends and co-workers. I have a wonderful group of partners and we strive to make each aspect of your real estate transaction go as smoothly as possible. We work hard and enjoy what we do so you may rest assured we will do our best for you!

10/31/2026

Happy Halloween! Don't eat too much candy!

10/31/2026

🎃 Happy Halloween! 👻

Whether you're out trick-or-treating, carving pumpkins, or enjoying a spooky movie night at home, we hope your day is filled with plenty of fun, laughter, and sweet treats.

Have a safe, happy, and frightfully fun Halloween! 🧡🕸️

10/31/2026

HEY LOOK AT THIS!!

Here's something most buyers overlook…

When the housing market slows down, homeowners and builders don't always have the same priorities.

A homeowner may be willing to wait for a better offer. But builders with completed homes sitting unsold often have more reason to keep sales moving.

In October, over 60% of builders offered some type of incentive. And almost half (43%) cut prices.

That could mean more negotiating opportunities for you.

The trick is knowing where to look. Let's find the builders with more move-in-ready homes available right now and see what they're willing to offer to get their inventory sold.

www.merrittresources.com

10/30/2026

https://www.merrittresources.com/blog/398008/Cyndi+Merritt+REsources%3A+Credit+Scoring+Is+Changing%3A+3+Things+Homebuyers+Should+Know

Credit Scoring Is Changing: 3 Things Homebuyers Should KnowQuick, what credit score do you need to buy a home? If a numb

10/30/2026

Honestly, the wood "before" (second one) I actually like!

These before-and-after kitchen transformations will leave you speechless. See these kitchens go from dingy and dated to breathtaking beauties.

10/30/2026

🏡 Which neighbor would you rather have?

🎉 The Social Butterfly
Always ready for a backyard get-together, neighborhood BBQ, or spontaneous happy hour.

🧘 The Peaceful Homebody
Keeps things quiet, enjoys their own space, and appreciates a calm evening at home.

Both have their perks. It really comes down to what kind of neighborhood energy feels most like home.

Which one would you rather have next door?

10/30/2026

HEY LOOK AT THIS!!

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

www.merrittresources.com

10/30/2026

Buyers See New Downpayment Leverage | Visit on www.MerrittREsources.com

Address

6802 Paragon Place Suite 410
Richmond, VA
23230

Website

http://www.MerrittREsources.com/, https://cyndimerritt.exprealty.careers/

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