kristinakesovija@gmail.com

Kristina Kesovija Real Estate

Find Your Dream Home Now!

Kristina Kesovija Real Estate

Languages Known: English

Specialties: NEW BUILDS, FIRST TIME HOME BUYERS, RELOCATION, COMMERCIAL

MEET

Kristina Kesovija Real Estate

Hi there! I'm Kristina Kesovija, a real estate professional backed by over 25 years of experience in the real estate industry. My journey in real estate began more than two and a half decades ago as a first time homeowner and investor, and since then, I've dedicated myself to learning all about the real estate industry to best serve my clients.

Over the years, I've gained valuable insights into the complexities of what it takes to ensure a smooth and profitable sale for my clients from knowledge of the local and national market to the latest marketing techniques and up to date negotiation styles. My extensive education, deep market knowledge, and effective marketing strategies are all tailored to deliver the best possible outcome for you as a seller.

What truly sets me apart is my ability to see the full potential of your property. With a background in property renovation, I have a keen eye for identifying opportunities to enhance your property's appeal and value. My attention to detail can make a significant difference in maximizing your return on investment.

When it comes to selling your home, I understand that it's not just about the transaction, it's about your experience. I'm dedicated to providing a personalized, client-focused approach to ensure you're well-informed and comfortable every step of the way. My reputation for integrity, commitment, and strong negotiation skills means you can trust me as your fiduciary to represent your interests with the utmost professionalism.

In addition to my residential expertise, I've successfully ventured into the world of commercial real estate and multi-family investments, giving me a broader perspective that can benefit homeowners. I understand the market dynamics that affect property sales and use my insights to your advantage.

When you choose to work with me, you're not just getting a real estate agent, you're gaining a dedicated partner who is fully invested in helping you achieve your selling goals. I'll handle every aspect of your home sale, from the initial consultation to the final closing, ensuring a hassle-free and successful transaction.

With over 25 years of experience, my commitment to personalized service, and a passion for helping homeowners like you, I am the ultimate choice when it comes to selling your home. You and your property deserve the expertise and dedication that I can provide.

Anthony Kesovija

Languages Known: English

Specialties: FIRST TIME HOME BUYERS, NEW CONSTRUCTION, RELOCATION, MOVE UP BUYERS

MEET

Anthony Kesovija

Hello! I'm Anthony Kesovija, your trusted real estate professional! As a recent graduate of Texas Christian University (TCU), I'm thrilled to bring my passion for helping my clients with their real estate goals. I graduated from TCU with a degree in Entrepreneurship and Innovation, where I honed my skills in research, negotiation, client needs, and communication – all essential qualities for a successful Realtor®. My time at TCU also instilled in me a strong work ethic and a commitment to excellence that I bring to every real estate transaction.

I understand that buying or selling a home is one of the most significant financial decisions you'll make, and I'm here to guide you through every step of the process. Whether you're a first-time homebuyer, relocating to the area, or a home seller looking to earn top dollar on your home, I'm dedicated to realizing your real estate results.

Before embarking on my real estate career, I gained valuable experience working at Ryder Services Inc, and Northwest Financial where I honed my customer service and problem-solving skills. This background equips me to provide you with exceptional service and navigate any challenges that may arise during your real estate journey.

WHY WORK WITH ME?

Local Expertise: Living in the Dallas/Fort Worth area and studying the real estate market daily, I have the knowledge to help buyers and sellers make informed decisions.

Personalized Service: I understand that every client is unique, and I tailor my approach to your specific needs and goals. Your satisfaction is my top priority.

Tech-Savvy: I leverage the latest technology and marketing strategies to ensure your property gets the exposure it deserves, and you have access to the most up-to-date listings.

Strong Negotiator: With my background as a financial representative, I bring a knack for negotiation to the table, ensuring you get the best deal possible.

When it comes to real estate, you need someone who understands the market, cares about your goals, and is committed to your success. Let's make your real estate dreams a reality!

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Frequently Asked Questions

Why do you need a Realtor?

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.

When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.

Which loan should you choose?

There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:

1 - Government-backed loans (FHA, VA and USDA):

(a) - Are, unsurprisingly, backed by the government.

(b) - Include FHA loans, VA loans, and USDA loans.

(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.

2 - Conventional loans

(a) - Are not backed by the government.

(b) - Include conforming and non-conforming loans (such as jumbo loans).

(c) - Make up more than 60 percent of the loans generated in the U.S. each year.

What is the difference between FHA, VA and USDA loans?

1 - FHA LOANS:

FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.

2 - VA LOANS:

VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.

3 - USDA LOANS:

You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.

1 - CONFORMING LOANS:

Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.

2 - NON-CONFORMING (JUMBO) LOANS:

But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

What kind of rate should you choose?

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.

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