Niga Colbert Your Local Realtor

💡 CREDIT TIP OF THE DAY 💡

Do you have student loans in deferment or forbearance?

Don’t assume everything is still on autopilot. Many student loan borrowers are seeing payments resume, and missed payments can be reported to the credit bureaus, which may negatively impact your credit score. (U.S. Department of Education⁠)

✅ Log in to your student loan account
✅ Verify your payment status
✅ Check your next payment due date
✅ Make sure your contact information is up to date

A simple oversight could lead to a late payment being reported and hurt your chances of qualifying for a mortgage. Student loan servicers generally report serious delinquencies to the credit bureaus, and late payments can remain on your credit report for years. (Mohela⁠)

If you’re planning to buy a home in the next 6-12 months, now is a great time to review your student loans and overall credit profile.

📩 DM me “CREDIT” for a credit analysis and personalized homeownership plan.

Niga Colbert, REALTOR®
The J&B Team - IXL Real Estate
📞 251-289-2214

🏡 Real Credit Repair Results. Real Progress. Real Homeownership Goals. 🏡

These are actual results from clients in my credit repair program. Can negative items be removed overnight? No. Does improving your credit take time, consistency, and patience? Absolutely.

The real question is: Are you committed to reaching your goal of homeownership?

If you’re planning to buy a home within the next 6-12 months but aren’t sure where your credit stands, let’s start with a plan.

✅ Free Credit Analysis
✅ Review of all 3 credit bureaus
✅ Personalized recommendations
✅ Find out if credit repair may be an option for you

Stop guessing and start preparing.

📲 DM me “CREDIT” for your FREE credit analysis and let’s create a roadmap to get you homeowner ready.

Niga Colbert, REALTOR®
The J&B Team | IXL Real Estate
📞 251-289-2214

Results vary. Every credit profile is different, and no specific outcome can be guaranteed.

🌺 Aloha, everyone! 🌴✨

Join us in celebrating Kamehameha Day, a special public holiday in the beautiful state of Hawaii, USA, on June 11th! 🌺🗓️

Honoring King Kamehameha I, who unified the Hawaiian Islands and embodies Hawaiian culture. 🏝️👑

Join us in embracing the spirit of aloha and the vibrant heritage of Hawaii!

Good morning Summer ☀️ is heating up and so are rent prices. Day 2 of me asking who’s tired of paying rent and want to buy a home? If you’re shy DM “I’m Tired” or text “I’m Tired” to 251-289-2214.

TRUE!

Can you believe your house has nearly 300,000 items?

That's the average for an American family!

Time for a garage sale? 🏷️

What is Your Home Worth NOW 🏡

Recent home sales have affected your home's value! 💰 📈

🎯 Go to https://NigaColbert.FreeHomeValues.net to get your new home value estimate FREE and INSTANTLY.

Office: (251) 289-2214

Click Now for More Information! Recent home sales have affected your home's sale potential! Get your new list price range instantly for free!

Patios boost your home's value and create the perfect spot to relax, entertain, and enjoy the outdoors. 🌿☀️

Thinking of a refresh? Here’s how to redesign your patio in style! 😉

How to Design and Build a Paver Patio? – Guide For Beginners Transform your yard into a stylish outdoor living space with custom paver patios—endless designs, patterns, and features to make it your own!

✨ New on the Market! ✨

Welcome to 859 Carleton AVE, Mobile, AL 36617!

Searching for your first home or a smart investment? This spacious 3-bed, 1.5-bath gem features an updated kitchen, new flooring, and a large step-down den perfect for movie nights or entertaining friends. Enjoy the bright energy from brand new windows and a flexible bonus room—great as an office, playroom, or creative studio!

Relax year-round on your screened-in back patio or get organized in the large laundry room. Peace of mind comes with a roof less than 10 years old!

Ready to make your move? Schedule a tour today!

See more: https://niga.thejandbteam.com/d8r5anmb

🏡

Down Payment Assistance for First Time Home Buyers! 🏡 💰

Learn how to qualify for down payment assistance from available government and financial Programs! 😃 🙏🏻

🎯 Go to https://NigaColbert.StopRentingStartOwning.com to get the FREE Information.

Office: (251) 289-2214

Down Payment Assistance for First Time Home Buyers! Learn how to qualify for down payment assistance from available government and financial programs!