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Some Highlights

  • If you're thinking that waiting a year or two to purchase a home might mean you'll save some money, think again.

  • Mortgage interest rates are currently very low, but experts across the board are forecasting increases in both home prices and interest rates.

  • Buying a home now means you'll spend less in the long run. Contact a local real estate professional to put your plans in motion before home prices and mortgage rates climb even higher.

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Mortgage rates are on the rise this year, but they’re still incredibly low compared to the historic average. However, anytime there’s a change in the mortgage rate, it affects what you can afford to borrow when you’re buying a home. As Sam Khater, Chief Economist at Freddie Macshares:

When buying a home, it’s important to determine a monthly budget so you can plan for and understand what you can afford. However, when you need to stick to your budget, even a small increase in the mortgage rate can make a big difference.


If, for example, you’re getting ready to buy a home and know your budget allows for a monthly payment of $1200-1250 (marked in gray on the table above), every time the mortgage rate increases, the loan amount has to decrease to keep your monthly cost in range. This means you may have to look for lower-priced homes as mortgage rates go up if you want to be able to maintain your budget. ...

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Some Highlights:


. When you’re thinking about buying a home, there are a few key steps to take before you even start to look at houses.

. From saving for your down payment to getting pre-approved for a mortgage, you’ll want to make sure you keep your financial plan on track from the beginning.

. Reach out to me so I can put you in touch with my trusted lender today to make sure you have the best possible guidance as you begin your homebuying process.

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