You may have heard the number of homes for sale isn’t growing like it was. And maybe that has you worried you won’t find a home you love when it’s time to make your move.
If you’ve ever looked into buying a home, you’ve probably heard the same thing over and over:
“You need 20% down.”
For a lot of people, that one idea alone is enough to put their plans on hold. Saving 20% of a home’s price can feel overwhelming, especially with today’s home values.
Tax season isn’t exactly anyone’s favorite time of year. But if you’re expecting a refund, it’s one of the few moments where a lump sum of money shows up that you didn’t necessarily plan around month-to-month.
If you’re like many homeowners, you locked in a record-low mortgage rate during the boom years, and now you’re feeling stuck. Your current loan is sitting pretty at 2.75% or 3.25%, while new rates hover in the 6s. Understandably, the idea of trading that in can feel like a huge step backward.
The Fed cut its key rate by 0.25% to about 3.6% and signaled a possible pause on future cuts. The rate decrease can help ease mortgage rates…
If you’ve been keeping an eye on the news, you’ve probably heard about the possibility of a government shutdown – and you might be wondering what that means for the housing market. Will home sales pause? Will closings get pushed back? Should you hit the brakes on your own plans?
There’s a lot of outdated advice floating around about what it takes to buy a home – especially when it comes to how much you need for a down payment. And if you’ve heard from your cousin’s friend’s aunt that you need 20% saved before you even think about buying… let’s bust that myth right now.
Over the past couple of years, it’s felt like buying a home came with a side of whiplash. Prices were up. Rates were up. Inventory was tight. And trying to plan your next move felt more like guessing a plot twist than making a life decision.
Over the past couple of years, it’s felt like buying a home came with a side of whiplash. Prices were up. Rates were up. Inventory was tight. And trying to plan your next move felt more like guessing a plot twist than making a life decision.
Let’s be real – saying goodbye to a 3% mortgage rate is tough. That ultra-low rate has kept a lot of homeowners parked right where they are, even when their current home stopped making sense a long time ago.
If you’ve been holding off on buying a home, waiting for mortgage rates to drop back down to 3% – you’re definitely not alone. That number feels like the golden ticket, especially compared to where rates are sitting today. But the truth is, those ultra-low rates weren’t the norm – they were the exception.
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