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Sonic Realty

DJ Peterson

How Interest Rates Affect the Housing Market in 2025

How Interest Rates Affect the Housing Market in 2025

Introduction Interest rates are pivotal in shaping the housing market, influencing everything from mortgage rates to housing affordability, demand, and supply. As we navigate through 2025, the dynamics of interest rates and their impact on the housing market remain a key area of focus for buyers, sellers, investors, and policymakers alike. The Basics: What Are […]

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Understanding Real Estate Market Cycles In 2025

Understanding Real Estate Market Cycles In 2025

Introduction The real estate market has always been characterized by cyclical patterns, which means it moves through predictable phases over time. As we move through 2025, understanding these cycles is more important than ever for investors, homeowners, and real estate professionals. This article aims to provide a comprehensive overview of real estate market cycles, their

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Creating Curb Appeal That Converts to Sales

Creating Curb Appeal That Converts to Sales

First impressions matter in real estate, retail, and even online branding. Whether selling a home, attracting customers to a physical store, or increasing online engagement, curb appeal is crucial in converting curiosity into action. A well-presented exterior, both physically and digitally, can increase perceived value, attract buyers or customers, and ultimately drive sales. This article

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Common Pricing Mistakes That Keep Homes from Selling

Common Pricing Mistakes That Keep Homes from Selling

Everyday Pricing Mistakes That Keep Homes from Selling Selling a home is a significant financial transaction that requires careful planning, marketing, and, most importantly, pricing. While many sellers believe their home’s price should reflect their emotional attachment or the amount invested in it, the real estate market operates differently. Pricing a home incorrectly can lead

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The Psychology of Home Staging: What Really Attracts Buyers

The Psychology of Home Staging: What Really Attracts Buyers

When selling a home, first impressions matter—often more than we realize. Home staging is the art and science of preparing a home for sale to maximize its appeal to potential buyers. This process is not just about decorating a house; it’s about creating an environment that allows buyers to envision themselves living there. The psychological

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Affiliated Business Arrangement Disclosure Statement
This is to give you notice that Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC have a business relationship. The nature of the relationship between the Referring Party and the provider(s), including percentage of ownership interest, if applicable, is: Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC are all 100% owned by the same party. Because of this relationship, this referral may provide any of the above parties with financial or other benefit.
A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on, or purchase, sale, or refinance of, the subject property.
THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Provider and Settlement ServiceCharge or Range of Charges
Sonic Realty LLC1%-6% of purchase price
Sonic Title Agency, LLC Title Insurance Policy: $950 - $1706 on a $250,000 property. (Rates vary and are dependent on the state, selling price, and loan amount on the property.)
Title Search Fee: $250 - $325 (where applicable)
Closing Fee: $450 - $650
Sonic Loans Inc.

This company provides various real estate mortgage loan origination activities either as a third-party originator or a mortgage broker, including loan pre-qualification, competitive bid process (when providing third-party origination services), loan origination, loan pre-approval, loan structuring, processing, and closing.

Loan Origination Charge: 0-3 % of loan amount (may include 3rd party fees)
Loan Discount Fee/points: 0.5%-6% of loan amount.
Application/Processing Fee: $0.00 - $875.00
Flood and tax service: $0.00 - $95.00
Underwriting Fee: $0.00 - $1295.00
Document Review Fee: $0.00 - $400.00
Appraisal Fee: $0.00 - $850.00
Credit Report Fee: $0.00 - $135.00

Actual charges may vary according to the particular lender selected, the particular services provided, and the underlying transaction, borrower selections, etc. Some or all of these fees may be charged by third parties and/or the Member Mortgage Lender/Mortgage Broker. The Member Lenders and Mortgage Brokers have agreed to pay a fee ranging from 0.5% to 2.75% of the loan amount to Sonic Loans in connection with a range of loan origination services provided by Sonic Loans to the Member Lender/Mortgage Broker. The fees are paid either directly to Sonic Loans by the Member Lender/Mortgage Broker or billed directly to you at closing.
B. Set forth below is the estimated charge or range of charges for the settlement services of an attorney, credit reportingagency, or real estate appraiser that we, as your lender, will require you to use, as a condition of your loan on this property, to represent our interests in the transaction.
Sonic Loans Inc. provides mortgage lender/broker services. Sonic Realty LLC provides real estate brokerage services. Sonic Title Agency LLC provides title insurance and settlement services.

Provider and Settlement ServiceCharge or Range of Charges
Appraisal Fee$0-$800
Credit Report Fee$63-$125
 Actual charges may vary depending on the lender and loan program selected which can be found on your loan estimate.
ACKNOWLEDGMENT
I/we have read this disclosure form and understand that Sonic Loans Inc., Sonic Realty, LLC, or Sonic Title Agency LLC are referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.