Too Scared To Buy A Home In Ascension Parish

There are 5 top fears that home buyers have when buying a home that can cripple them from even making a home purchase at all. I will cover some of the biggest fears that home buyers face and show you how to overcome those home purchasing fears so you won’t be too scared to buy a home. These are the top Five Home Buying Fears we will cover:

Fear Of Value Loss

If you saw the collapsing home values of 2007-2009 you saw many families and homes that go into foreclosure making homes in neighborhoods plummet as fast as they went up in value, in some areas it went lower than the boom and took years to recover, so the fear of losing value in your home is real.

So how do you combat this fear, When working with clients that have this fear I ask them to pick a home they like in their budget, this doesn’t have to be the exact home they are  purchasing just one can use as an example, and I make a full report showing them the properties value since the big housing crisis of 2007 where the home value dipped and what the home value is now, In our area of Baton Rouge it’s clear to see that anyone who bought a home during that time and was able to hold on to it since then has gained a significant amount of money and this hold true for many other areas around the country.

You can ask your real estate professional for reports like these on any home you are interested in so you know you are making a smart financial decision.

➡️The 5 Home Buying Fears Covered In The Video Time Stamps

➡️Fear Of Value Loss0:52

➡️Fear Of Buying a Money Suck2:51

➡️Fear of Buying When You Could Get a Better Deal5:01

➡️Fear Of Mortgages & Mortgage Payments- 6:28

➡️Fear of Buying Won’t Be As Safe As Renting- 7:52

Fear Of Buying a Money Suck

Some people see shows on HGTV of buying a great foreclosure or auction home and flipping into a home o6f their dreams but that’s after the investors sunk into a whole lot of money with unforeseen issues prior to purchasing the home. Getting a great deal on a home usually means you will be purchasing a fixer-upper in one-way shape or form. Whether it’s just some new paint and carpet or adding a new roof and fixing foundation issues.

If you are thinking of purchasing a home like this but are scared of the costs there are few things you must do prior to signing on the dotted line,

1. Make sure you have at least a 10 day inspection period so you will have enough time for the next two things I am going to tell you will need to do.

2. Hire an inspector to go through the home with a fine tooth comb have them review the report with you at the property so you can see for yourself the issues they found,

3. Find a couple of very good general contractors with lots of reviews and previous customers and have them meet you at the property to give you an estimate of the cost of repairs. ( Don’t go cheap with your contractor sometimes cheap contractors equals cheap looking work)

h4. once you have your bids in hand estimate an extra 10% for unforeseen issues or problems that might pop up.)

Fear of Buying When You Could Get a Better Deal-

This is one that has crippled some buyers. Years ago I worked with a couple who would go from house to house putting in purchase agreements well below asking price hoping that the sellers would take their offer.  8 months and 14 purchase offers later they got stuck in a situation that forced them to buy a brand new home they weren’t really happy with but since their rental lease was up and the landlord was unwilling to extend there lease they had to buy “something” all the other homes they had lowballed were long gone.

I know everyone wants a deal, this is a great time to really have deep conversations with your real estate agent about the homes comparable value to others in the neighborhood. If the market is super hot you are most likely not going to be getting a lowball offer accepted but if you are in a market that sellers are willing to negotiate that it doesn’t hurt to test the waters. When you make an offer that’s below market value write in the offer how you came up with the sales price for the house, explain in great detail why you feel its worth that amount and not what the asking price is. I have used this to get offers accepted by sellers in the past even including repair estimates from companies to support the offer.

Fear Of Mortgages & Mortgage Payments-

Everyone has heard horror stories of people getting in way over there head and bought home that made them “house poor” where the homeowners could purchase the house and not much more than make house payments, or you may have heard about a mortgage package that could have saved you on making a large down payment after they have already purchased a home. Before you have mortgage remorse be sure to meet with several mortgage lenders and discuss all the loan packages that will fit not only for your best interest rates but also your monthly budget as well, make sure you factor in regular maintenance costs of your future home also renewals on termite contracts, HOA fees and extensions to home warranties if you chose to.

Fear of Buying won’t be as safe as renting-

Every housing market is different when it comes to the cost of renting in comparison to owning. Buying wins hands down here in Ascension Parish. Currently, you can buy a 3 bedroom 2 bathroom, 1300 square ft home for about $180,000 that’s less than 10 years old.

Mortgage Monthly cost maximum loan Mortgage amount

180,000$ Interest rate (%) 4.5 ,Mortgage period 30 (years)

Monthly payments

$912, taxes 900 a year, and insurance is about 800 a year= estimated at $1054.00

Now for comparison you take that house you would pay $1350 a month in rent, never gain equity over the years and your rent always goes up as a mortgage payment always stays the same.

🔴If you’d like some more tips on buying your next home check out my buying a home playlist here.

🔴If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here

🏡To look for properties in the Baton Rouge and Ascension Parish area click here:

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CONTACT INFO:, eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918

Home For Sale In Ascension School District

Welcome to 16394 ANNA BELLE DR In Prairieville Louisiana in the Ascension Parish Schoool district. This Meticulously Well Kept Home In Sought After Shadows Of Ascension, In The Ascension Parish School District. This one story home is over 2300 sqft that features 4 bedrooms and 3 full baths. You are greeted with an inviting front porch. Step inside to the large open great well kept room and kitchen with beautiful hardwood flooring, a gas log fireplace embellished with a granite, surround sound and built-in bookcases. The kitchen features 3 cm granite with a large kitchen island and two designer pendant lights, Personal coffee station, built-in microwave, single wall oven, built-in microwave, custom painted cabinetry, beautiful 1×2 subway tile backsplash, and upgraded 5 burner stainless steel gas cooktop. The formal dining area has ample room for entertaining and formal dinner parties. The large master suite is spacious enough for oversized furnishing and lets in loads of natural light. The ensuite modern master bath is breathtaking with its double vanity sinks, 3 cm granite, large soaking tub for relaxing, White painted wood cabinetry and spa-like stand-alone shower. On the opposite side of the home are three more bedrooms and 2 of the rooms share a jack n jill bath. All of the guest suites have large walk-in closets and are fully carpeted. There is also tucked away is a cozy bill desk. Finishing the inside of the home is a third full guest bath with painted cabinets and cool ceramic tile flooring. The backyard has an added covered patio, with beautiful fully matured landscaping, lush green grass, perfect for spending long evenings enjoying time with family and friends. This home also comes fully fenced, with an extended driveway and gutters have been installed.


☎️Call for your private showing today. 225-246-1812

🔴If you’d like some more tips on buying your next home check out my buying a home playlist here.

🔴If you don’t want to miss any tips on buying and selling your home so you don’t leave money on the table at a closing time click here

🏡To look for properties in the Baton Rouge and Ascension Parish area click here:

🌎To read my blog visit, eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918

Homes For Sale In Gonzales Louisiana, 41067 Garden Court Gonzales, LA 70737

The Most Festive Home For Christmas (homes for sale in Gonzales, Louisiana)

Looking for a Christmas home just in time for the holidays? Once upon a festive Christmas home, There was a home for sale in Gonzales Louisiana. This open floor plan garden home for sale sits in a quiet one street community.

As soon as you go on this Christmas fairytale you will notice the gourmet kitchen with custom built cabinetry, slab granite counter tops, gas stove, and a large island/breakfast bar. Crown molding throughout the home gives it a classic feel. Master suite includes a 6’ jetted tub, separate shower, and water closet, double vanity and with a spacious walk-in closet. The extra large bedrooms have great closet space and fresh neutral paint. Tech Shield radiant barrier in the attic with decked area for extra storage space. Plenty of room for two cars in the garage. Move in ready as the previous owners have just painted throughout the home. The backyard is fully fenced and bigger than the typical garden home, Home is located at 41067 Garden Court Gonzales, LA 70737
For Full Details Of This Home 🌎
For Questions On This Home Or Any In The Baton Rouge Or Ascension Parish Area:
☎ DIRECT: 225-246-1812
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📨If you have any questions about buying and selling your home feel free to reach out to me at by email or any respectable time by phone📱. All my contact information is listed below.

My name is Kristina Smallhorn, Your Real Estate Whisperer and I tell you all this “Because YOU Matter”

Cell 225-246-1812
2900 Westfork Dr.
Baton Rouge, LA 70827
225-412-9982 ext 149,
Kristina Is a Licensed Realtor® with The Greater Baton Rouge Board of Realtors@ in the State of Louisiana. License #0912122918

How To Not Be A Loser In A Bidding War.

Nobody wants to be a bidding war loser. When making bidding war offers you want to come on top. The best offers during a home bidding war are the ones that don’t ask for extra items like, refrigerator, washer, and dryer. The trick to winning a bidding war on a home isn’t just asking for the “extras”, it’s also what loan you chose, how long will it be until you close and the way you construct your purchase offer in a way that is the strongest to the seller’s eyes but not breaking your budget for a home. This article will show you 5 tips to making your bidding war offer stronger so you won’t end up being a bidding war loser.

Tip 1
Do not ask for extras like refrigerator, washer, dryer and silly items that are cosmetic like asking for the home to be painted. Nothing will make a seller pass over your offer like asking for extras that have nothing to do with the value of the home.laptop-3196481_1920


Tip 2
Up the amount of your deposit, normally in the state of Louisiana, the deposit amount is pretty minimal to the amount of the home. The typical amount is as little as 250-2500 depending on the price of the home. If you’re in a bidding war you may want to consider upping that amount to 2500-5000 so the sellers know you are a serious buyer that has skin in the game.

Tip 3
Decrease the number of days for inspection. When you write a purchase offer most ask for a 10 day inspection period. If you reduce the number of days for inspection to 5 days your offer may look stronger to the seller due to the fact it will be fewer days off the market if the buyer will be removing the offer after the inspections are completed. With that said many realtors may suggest a pre-inspection prior to writing an offer if you use this tactic you may lose precious days that someone else can beat you to the punch to make an accepted offer and you will never get a chance to make yours.calendar-3045825_1920

Tip 4
Consider a different loan type. If you are not paying cash and you have not chosen a loan package you will need to discuss with your lender the best option for you to get the loan closed fast but still has your best interests.

Tip 5
Go with your highest and best offer with the first offer you come in with. This is not the time to test the seller on there willingness to come down in price. If you are serious make your strongest offer the first offer you make.document-428338_1920

Bonus Tip
It doesn’t hurt to add a little human emotion to your offer, sometimes we forget that families are involved so if you add a letter stating why this home is so important to you, this may be the deciding factor when it comes to a bidding war.


To look for properties in the Baton Rouge and Ascension Parish area click here:

Copy of my FREE Ebook For Buying In Ascension Parish:

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Your Real Estate Whisperer Kristina Smallhorn "Because YOU Matter"
Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn.

Kristina Smallhorn, Your Real Estate Whisperer,
eXp Realty LLC,2900 Westfork Dr. Suite 401, Baton Rouge LA 70817
225-246-1812,Office (225) 412-9982 ext# 149

Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana, License #0912122918

Parade Of Homes 2018 In Greater Baton Rouge.

This past weekend kicked off the Parade of Homes In the Greater Baton Rouge area. Even if you’re not in the market for a brand new home if a great way to get fresh ideas on remodeling your own home. Throughout many Parishes, you will be able to see the latest trends in new home building, like flooring design, colors for walls and the style in kitchen design.

To get more information on the parade of homes, click here. >> Parade Of Homes 2018

For a full list of homes on the Parade Of Homes Tour, Click Here. >>Map Of Homes 

2018 Parade of Homes, May 12-13 and 19-20.  This is your chance to preview up and coming communities, different floor plans, new ideas and innovative products.   The Parade is free to the public with homes open on Saturdays from 11am-5pm and on Sundays from 1pm-5pm.

The 2018 Parade of Homes will show many homes of all sizes, layouts, and architectural styles. The tour has a little bit for everyone with homes ranging from the starter home all the way up to luxury homes in exclusive neighborhoods. This will be a great way to get idea’s for your own home or preview a home to purchase in the near future.

Your Real Estate Whisperer Kristina Smallhorn

Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn.



I hope you found this tip useful if you’d like some more tips you can always visit my website at To View Properties For Sale, Click Here To Get My FREE EBook On Buying Homes In Ascension Parish, Click Here To Send Mail: Kristina Smallhorn PO BOX 1271 Prairieville LA 70769 Kristina Smallhorn (Your Real Estate Whisperer) Cell 225-246-1812 EXP REALTY, LLC,2900 Westfork Dr., Baton Rouge, LA 70827 225-412-9982 ext 149 Kristina Is a Licensed Realtor® with The Greater Baton Rouge Board of Realtors@ in the State of Louisiana. License #0912122918

Why You Don’t Always See A Sale Pending Sign.


It’s Take A Tip Tuesday, Do you Know Why you don’t see “Sale Pending Signs”? You may have driven up to a home recently only to find out the sale of the home is “pending”. What is a pending sale sign anyway? It just means the home has a contract that is waiting to close on the purchase. So why don’t realtors put the sale pending sign up? You want to know is the sale pending, right? The reason why most realtors don’t put the sale pending sign up is to capture possible leads in case the home sale falls through. There are many reasons why a pending home sale could fall through as an example, credit check comes back off from the application, the buyer has been let go of their job, one of the buyers on the loan has passed away or taxes were filed incorrectly, these are just some of the ways that a pending home sale could fall through. there are many other ways this was just an example. I know it can be frustrating for you as a possible buyer to be looking in a neighborhood and find the home of your dreams only to see the home with the for sale sign now has a pending contract. You may feel like the agents are just wasting their time not putting up the sign but we are trying to represent our sellers in the best way possible. If the pending sale sign goes up and the pending contract happens to fall through we have missed out on all those possible leads that could put in a contract or even a backup offer.

*I hope you found this tip useful if you’d like some more tips you can always visit my website at 

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Your Real Estate Whisperer Kristina Smallhorn "Because YOU Matter"
Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn., eXp Realty LLC,2900 Westfork Dr. Suite 401,Baton Rouge LA 70817 225-246-1812,Office (225) 412-9982 ext# 149 Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana

5 Tips When Buying A Home – Take A Tip Tuesday.

Take A Tip Tuesday! 5 Tips For Buying A Home.


It’s Take A Tip Tuesday and in this weeks video, I discuss 5 big things that people should know when buying a home.  Whether this is your first home or tenth home, these tips should always be helpful. In Ascension Parish, we have lots of people moving in and out an all around but people seem to forget what needs to be done when buying a home. Below I’ve listed 5 key tips to remember.

Get Approved!

I must say this about 1000 times in my past videos and I know if you have been following me for awhile I may sound like a broken record but I’m telling you, people jump the gun when home shopping and tend to forget all about being “pre-approved” prior to their home quest.

Size Doesn’t Matter!

This is another thing that some people can get hung up on. They want a HUGE home but did you know that if you have the largest home in a neighborhood you will get a lot less per square foot than your surrounding neighbors. Bigger doesn’t mean better and maybe an unwise investment.

Shiny New Toy Syndrome.

Imagine walking into a home that has all the bells and whistles, super thick granite, custom cabinets and all upgraded modern appliances. It’s your dream home but it’s over the budget you set for yourself. Delayed gratification can be better in the long run, especially for your wallet as well. Don’t get stuck with a home that you can barely furnish because you had to have the newest, latest and greatest.

Budget For Other Costs.

When you go on sites like Realtor dot com, Trulia, and Zillow, they will give you an estimated mortgage payment. Many of these sites do not factor in the other costs, like escrows, insurance, and taxes. Make sure you have more money set aside for these items.

Hire An Inspector.

I can’t say this enough, even if you are buying a brand new home you should have it inspected by a professional. Even though the new home has to pass building code inspections things get missed and the inspector you hire is looking out for your best interest. (To Read More About Inspections Click Here  3 Myths About Home Inspections)

I hope you found these tips useful If you’d like to read more about buying homes in the Ascension Parish Area, please download my free e-book If you like to search for homes in the Ascension Parish Area Click Here. To watch all my tip videos please subscribe to my YouTube Channel by Clicking HERE!


Your Real Estate Whisperer Kristina Smallhorn "Because YOU Matter"
Your Real Estate Whisperer For Ascension Parish, Kristina Smallhorn.

Kristina Smallhorn
Your Real Estate Whisperer
eXp Realty LLC
2900 Westfork Dr. Suite 401
Baton Rouge LA 70817
Office (225) 412-9982 ext# 149

Kristina Smallhorn is a licensed REALTOR® with the state of Louisiana



The Houmas House Haunted Tour In Ascension Parish- Ascension Parish Coffee Talk #33


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Ascension Parish Coffee Talk #33
Let me start off by saying that I originally didn’t intend on taking the haunted tour of Ascension Parish’s Houmas House plantation haunted tour, but I’m glad my niece Jessica Robison and I did. We were able to tour the beautifully landscaped grounds for a good hour before the sun went down.  As it got darker, you could feel the atmosphere change. At every turn, it seemed much scarier when earlier it had seemed cheery and joyful.  The rivers that flow through the property became dark and murky, a perfect red sunset greeted us right as the bell rang for the Houmas House Haunted tour.

Houmas House 2

Our guide is an older man dressed like an old-time butler and was able to give us vast details of many things in the home paying special close attention to the creepiest of items. One of them is a large cast iron sarcophagus, he joyed in recalling the story of one of these opening and the body inside was perfectly preserved.  Moments later playing an untuned piano which set the theme of the rest of the uncomfortable tour.  We weaved through rooms as he recalled the many stories of the past in this plantation home.  One is the fact that the inside of the home was set for the movie Hush Hush Sweet Charlotte.  A personal favorite movie of mine. The small cemetery at the front of the property is actually props that were left after filming was finished, the original family cemetery is now buried under the levy across the road, so no one will be visiting their grave sites for a very long time. Our tour guide brings us to many rooms but the creepiest place is not a room at all, its the spiral staircase where visitors say they see the ghost of a little girl named Mary.  Mary died of yellow fever and it has been said she likes to lean over the staircase to see the visitors that come to see the Houmas House.  As we crept up the tight staircase we were led to a room filled with dolls made in France, these dolls were made of the real hair and teeth of children and if that wasn’t disgusting enough there faces reminded you of every horror movie ever made.  Our butler tour guide said that at night after he turns off the lights he can see the dolls dancing around the room.  He smiles a sinister smile when he turns to the next room.

Houmas FB

If you have not been on the haunted tour at the Houmas House Plantation, I strongly recommend it.  I was unaware of its rich history and its spooky past.  It’s totally worth the trip. We didn’t personally meet the ghost of Mary but my daughter was creeped out throughout the tour. My 4k camera did quit working for no apparent reason but was this paranormal? Not really sure, You have to see for yourself.

If you’d like a home close to Houmas Plantation Home in Ascension Parish Please free to visit my website @

And I tell you about this haunted home in Ascension Parish “Because YOU Matter”

Kristina Smallhorn
(Your Real Estate Whisperer)
Cell 225-246-1812
Office 2254129982 ext#149
eXp Realty LLC.
2900 Westfork Dr.
Baton Rouge LA 70817
Kristina Smallhorn is a licensed REALTOR with the state of Louisiana, USA.

Bump in the Night – Supernatural Haunting by Kevin MacLeod is licensed under a Creative Commons Attribution license (

Ascension Parish Coffee Talk #20, Sunset Smoothie In Prairieville Louisiana.




When you are stuck in traffic, want a meal replacement or an after workout protein shake, Sunset Smoothie has you covered. Their large menu of custom made smoothie will suit just about everyone’s palate.

These are not the typical ice down smoothies you may get at other places, their recipe calls for milk and their own in house made protein powder. Not a fan of milk, lactose intolerant or vegan? They have those bases covered as well, all you have to do is ask.

Tyler Terrebonne shared that his shop added sandwich wraps over time that has been a big hit (I personally tried one and it really was amazing) Tyler also said for the super busy he provides a meal prep service. Perfect for the busy body builder or person training for a big event and doesn’t have the time or energy to do it themselves.

If you are looking for a cool down to beat the summer heat make sure to visit Tyler Terrebonne @Sunset Smoothie and tell him The Real Estate Whisperer sent you, “Because YOU Matter”Kristina Smallhorn

Your Real Estate Whisperer

eXp Realty LLC



Office (225) 412-9982 ext# 149

*** Music provided By *****



Ascension Parish Coffee Talk #17- Help Save Ali’s Sweet Shoppe!

I’ve always had a soft spot for young people taking life by the horns and trying to make a business at an early age. I met just that person this week, Ali Duplessis of Ali’s Sweet Shoppe, opened a Sno-Ball stand right outside the Tanger Mall in Ascension Parish. This twenty-one-year-old woman took her idea, own money and bought herself a Sno-Ball stand. She carefully made sure to get the proper license, approvals and lease from the Tanger Mall so she could be located right where the action is. As you know, It gets hot going from shop to shop around the Tanger Mall and she had the wherewithal to set up her Sno-Ball stand and do it the right way. Hours after opening her first day, she was approached to shut down the stand, told she wasn’t allowed to have it at the location she was given permission to be at but they would give her a special pass for a few days to find a new location.

Ali had made her business plan early on and made sure she would have the location she desired the correct way. Only to be shut down a few hours into opening because someone else had made a mistake, This is a costly mistake for a young girl just starting off in business but the part that burns my hide is that she made sure prior to putting up the stand. She HAD planned ahead, she did all the right things but that didn’t matter.

My goal for this young entrepreneur is for the people of Ascension Parish to rally for Ali’s Sweet Shoppe so Ali will be able to keep the location she worked hard to get in the first place. Please Share this video with everyone you know so they can help her save her location. We are counting on YOU Ascension Parish.

“Because YOU Matter”

Kristina Smallhorn
Your Real Estate Whisperer
eXp Realty LLC
Office (225) 412-9982 ext# 149