Category: First Time Home Buyer

Are Interest Rates Going Up or Down? | Mortgage Rate Trends and Forecasts

/ in Buying a House / Abby Waltz

Home buyers are asking, “Are interest rates going up?” Mortgage interest rates have moved higher over the past year, but have begun decreasing over the past couple weeks. And despite the increases from last year, they remain low by historical standards. But the mortgage rate environment this year changed drastically from the previous few years when borrowers enjoyed much lower interest rates.

Decreasing inflation and a pause in rate hikes from the Federal Reserve have worked to lower mortgage rates in recent weeks.

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Firefighter First Time Home Buyer Program

/ in Buying a House / Bob Filipczak

If you are a firefighter first time home buyer, there is help out there. It’s not obvious and it can take a while to find the help that’s right for your situation. Ideally you will be able to find a program that’s easy to understand, easy to apply for, and easy to qualify for. Let’s see if we can help with your home search.

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Be Aware of These Extra Costs for Buying a Home!

/ in Buying a House / Gaffney Austin

Buying a home is one of the most significant purchases you will make, so it’s likely you won’t take the process lightly. While many would-be homeowners take the time to plan out financing for a home, some may not be budgeting appropriately, and accounting for the extra costs for buying a home many potential buyers may not be aware of!

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6 Things to Do as a 1st-Time Home Buyer

/ in Buying a House / Homes for Heroes

Buying your first home is an important and exciting time. The lead-up is often years of preparing your savings, your finances, and your vision of the perfect home.

In today’s market, finding the perfect house can be a greater challenge than it used to be. Housing inventory is tight, which means picking the right house at the right price is often easier when done with the help of an experienced real estate agent who understands your unique priorities.

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Where are Mortgage Rates Headed? Homebuyers Want to Know

/ in Buying a House / Gaffney Austin

The war in Ukraine has created some market volatility, but that’s not unusual. In uncertain times global investors will look to move their investments into areas they feel are safe from conflict. This can cause fluctuations in the prices of US Treasuries, and yes, even mortgage bonds – which in turn impacts mortgage interest rates.

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House Hunting Checklist | Home Buyers Pick Must-Haves (Free Printable PDF)

/ in Buying a House / Luke Feldbrugge

The Homes for Heroes house hunting checklist is a simple tool to help home buyers determine the absolute must-haves for their new home, and what are the extended nice-to-haves. Some checklists are a home buying wish list. But as this post will illustrate, the key to this exercise is to actually narrow down your wish list to the true essentials (Must-Haves). Everything else is gravy (Nice-to-Haves)! This checklist will define your targeted house search criteria and help streamline your house hunting experience.

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Get Pre Approved for a Home Loan | Everything You Need to Know

/ in Buying a House / Luke Feldbrugge

How important is it to get pre-approved for a home loan? The outcome of getting pre-approved is receiving a pre-approval letter. This letter is the golden ticket that allows you to be seriously considered by a seller to purchase their home. Without one, your chances of winning the bid on a home with multiple offers is slim to none. Therefore, it’s good to know the process of how to get pre-approved for a home loan and other answers to commonly asked questions about mortgage pre-approval.

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Accessing Down Payment Assistance for First-Time Home Buyers

/ in Buying a House / Gaffney Austin

With rising interest rates it’s clear that the spigot of refinancing that have buoyed mortgage volumes over the past two years is about to slow to a trickle. With lenders shifting their attention to first-time buyers, now is the time to address the affordable home crisis, where accessing down payment assistance can play a big role.

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