News & Insights
Down Payment Assistance: A Key to Today’s Homeownership
Down payment assistance can make the difference between renting and owning. It turns the dream of homeownership into a real, achievable goal.
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The Home Seller And a Changing Market
Approximately 23% of listings received price cuts in March 2025, the highest rate since 2018. Overpricing can lead to prolonged market time and increased carrying costs. For instance, a $500,000 home with $3,000 monthly expenses incurs $9,000 in costs over three extra months. Buyers now expect concessions, such as assistance with closing costs or mortgage rate buy-downs. The home seller must be prepared to negotiate and offer incentives to attract offers.
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Temporary Rate Buydown – the Right Move?
Buying a home can feel overwhelming, especially when interest rates are high. That’s why smart buyers explore flexible mortgage options and get prepared in all aspects. One powerful strategy is the temporary rate buydown. It helps reduce monthly payments at the start of the loan, easing the transition into homeownership. Whether you’re a first-time buyer ... Read more
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Homeownership in 2025: Buy Sooner, Not Later
Homeownership is changing. In 2025, it’s more reachable than ever before. You no longer need to wait years to save. Rates still shift weekly. Right now, they average near 6.83%. That’s a bit high—but there’s hope. Many experts say rates may fall to 6% this year. That’s great news for anyone chasing homeownership. Lower rates ... Read more
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Buying a Home in 2025 – Preparation is the Key
If you’re considering buying a home, preparation is key to making this life-changing step smooth and successful. With mortgage rates in 2025 predicted to fluctuate, planning can save you time, stress, and money. Here’s your roadmap to get ready for buying a home next year. Build Your Credit Score for Buying a Home A strong ... Read more
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Mortgage Rates -If the Fed cuts rates, why have they been going up?
Many expected mortgage rates to fall after the Federal Reserve’s recent interest rate cuts. However, instead of dropping, mortgage rates have been on the rise. Homebuyers who were hoping for lower rates may be confused by this trend. To understand why mortgage rates have climbed, let’s dive into how they are determined. Why Don’t Fed ... Read more
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Mortgage Rates – Who and What Determines Them?
Mortgage rates affect the cost of buying a home. They can influence whether homebuyers find their dream home affordable. Many factors contribute to decisions about them. Understanding these factors helps potential buyers make better decisions when rates fluctuate. Key Players That Determine Mortgage Rates Why Mortgage Rates Didn’t Drop After a Federal Reserve Rate Cut ... Read more
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Zero Down Payment Mortgages?
Introduction to Zero Down Payment Mortgages Saving for a mortgage down payment can be challenging, even with excellent credit and income. Fortunately, zero down payment mortgage options and assistance programs allow you to buy a home sooner. By exploring these mortgages, you can find opportunities that make homeownership more accessible. What Is a Zero Down ... Read more
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Current Mortgage Rates and Market Predictions
Mortgage rates play a crucial role in determining the affordability of homeownership. As of late, the housing market has been witnessing significant fluctuations in these rates. Understanding the current situation and predictions is essential for buyers navigating this landscape. This blog delves into the latest on mortgage rates, market forecasts, and what it all means ... Read more
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Refinancing Your Mortgage: Understanding Potential Savings
Refinancing your mortgage can save you significant money, even in today’s fluctuating mortgage rate environment. Understanding how refinancing works and how current rates affect your mortgage payments is essential. Refinancing can lower your monthly payments, shorten your loan term, or access your home equity. This blog will provide detailed information on current mortgage rates, why ... Read more