About Tany Realtor
Bilingual Expertise
My name is Tanairys Lopez and as a bilingual real estate agent with roots in Puerto Rico and Columbus, IN, I transform homeownership dreams into reality. My personal journey taught me that homes aren't just buildings — they're foundations for families and crucial investments. With my cultural background and local expertise, I provide personalized guidance that makes buying and selling both accessible and stress-free. Let me help you make confident decisions that secure your family's future in both English and Spanish.
It is not that hard when you work with me!
If you are buyer
Credit Score
The most critical factor is your credit score. A good credit rating (typically 620 or higher) opens doors to:
- Better interest rates
- More loan options
- Favorable financing conditions
Down Payment
For first-time buyers, there are attractive options:
- FHA (Federal Housing Administration) programs: You can buy with as little as 3.5% down
- Some conventional loans: Allow a 10% down payment
- Special programs for veterans (VA) or rural areas may offer 0% down
Get Your Documentation Ready
- Income proof
- Tax returns
- Bank statements
- Official identification
If you are seller
- Home Value: I offer a free CMA to set the right price.
- Preparing Your Home: I help with decluttering, repairs, and curb appeal to boost value.
- Marketing: I handle photos, online listings, and showings to attract buyers.
- Negotiations: I review offers, negotiate terms, and help you choose the best one.
- Closing: I manage appraisals, paperwork, and ensure a smooth closing process.