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Debunking the 20% Down Payment Myth

by Desi Sowers

You are ready to purchase your first house.  Your credit score is great.  You know you can afford a monthly mortgage payment based on your budget.  You are sure you will be approved for a mortgage loan.  But that down payment!  How the heck are you supposed to come up with 20%?  Don’t despair, because the truth is, you don’t need a 20% down payment to purchase a house!

Saving for a down payment on a house can seem overwhelming for many people.  Keep in mind that it can come from various sources.  Funds can come from bank accounts, stocks or mutual funds, an inheritance or a gift from a family member.  Some people will even use assets from their retirement portfolio.  Requirements regarding where the money comes from for your down payment depend on the loan type. Also, purchasing a primary residence usually requires a lower down payment than if you are purchasing a second home or buying an investment property.

The myth about down payments is that 20% is the norm. While that may have been true in the past, it’s not anymore.  The fact is that in 2016, the average down payment was just 11%, per the National Association of Realtors.  Unfortunately, a lot of people don’t even consider buying a home because they still think they need 20% down.  The NAR 2017 Aspiring Home Buyers Profile found that 39% of non-owners believed they needed more than 20% for a down payment, while 26% thought they needed to put down 15-20%.  Not true!

So now that you know you don’t have to have 20%, perhaps buying a home seems more within reach.  But there are still some things you should be aware of before taking that first step toward homeownership. Various factors are at play in determining if you should take on a mortgage with lower down payment.  For example, the less you put down, the larger your mortgage payment will be each month.  That is because you will have a larger loan amount, possibly a higher mortgage interest rate and the added cost of mortgage insurance.  So, while you don’t have to come up with more cash, your monthly costs go up.

Once you have educated yourself about the requirements, you can make informed decisions about your budget and how much you can afford.  Don’t let the 20% down payment myth stop you from pursuing your dream of home ownership! 

 

http://www.desisowers.com/Blog/Help-for-First-Time-Homebuyers

http://www.desisowers.com/Blog/Buying-a-Home-is-a-Sound-Financial-Investment

http://www.desisowers.com/Blog/The-Top-Ten-Things-to-Look-for-When-House-Hunting

Help for First Time Homebuyers

by Desi Sowers

Are you ready to buy your first home, but worried you won’t be able to come up with the cash required for a down payment?  Don’t fret my friends!  There is help out there for you.  The Virginia Housing Development Authority (VHDA) has a down payment assistance program (DPA) in the form of a grant, and it just might be the best shot for a first-time homebuyer.  The DPA grant can provide eligible first-time homebuyers with the funds needed for their down payment.  If you qualify for the DPA program, you may receive a percentage of the purchase price to help with the down payment. You can check out the guidelines and requirements for your eligibility here.  Here is more information to help you determine if this program is right for you:

  • Maximum grant will be 3 - 3.5% of the purchase price, based on the down payment required for the eligible VHDA loan.
  • Buyers must have household incomes at or below program limits.
  • Down Payment Assistance Grant may be used with eligible VHDA loans only.
  • Grant funds may NOT be used in combination with other down payment assistance resources (including FHA Plus).
  • Down Payment Assistance Grant has no repayment.
  • VHDA’s eligible first mortgage must be locked on or after the program implementation date.
  • The eligible first mortgage must be locked prior to reserving the grant funds.
  • All borrowers receiving this grant are eligible for a Mortgage Credit Certificate (MCC). Borrowers must apply for an MCC through an approved MCC lender and receive an MCC commitment/approval prior to closing.  (And MCC is a dollar-for-dollar credit against your federal income tax liability. 
  • Other program requirements may apply.

A video tutorial is available to help you with the process of understanding and applying for the DPA Program.

Desi Sowers can also help you understand how you CAN afford to purchase your first home!  Give her a call at (540) 320-1328 and start your search for your first home today!

 

http://www.desisowers.com/Blog/Buying-a-Home-is-a-Sound-Financial-Investment

http://www.desisowers.com/Blog/Negotiation-101

http://www.desisowers.com/Blog/The-Top-Ten-Things-to-Look-for-When-House-Hunting

Buying a Home is a Sound Financial Investment!

by Desi Sowers

Trulia recently reported that buying is cheaper than renting in 100 of the largest metro regions by an average of 33.1%.   Surely this makes you stop and think, “why am I paying someone else’s mortgage when I could be a homeowner myself?”  Being a homeowner allows you to build long-term wealth because it is like a forced savings account.  By paying down your mortgage, you are building equity and basically paying yourself.  So, before signing another rental lease, take a look at some other benefits of owning a home:

  • Mortgage payments can be fixed while rents go up.
  • Equity in your home can provide future financial resources.
  • You can build wealth without paying capital gains.
  • You can become a landlord yourself and not only pay your mortgage but possibly make a profit.
  • You have the freedom to make a home your own with renovations and décor.
  • You can take advantage of tax breaks..
  • You will build closer ties to your community
  • Over the long run you will have greater net worth than if you were a renter.

With current mortgage interest rates still low, now is a great time to consider buying a home.  I can help you better understand your options and why owning is better than renting.  Contact me at (540) 320 - 1328 or at Desi Sowers and we can start your home search today!

Moving Day Survival Kit

by Desi Sowers

You’ve closed on your new home and it’s time to move in!  This is an exciting time, but can also be a bit stressful.  Where do you even begin?  A good place to start is to create a moving day survival kit for yourself. It should include anything and everything that is important or of great value to you and should stay with you and not go with movers. Here is a list of “must have” items to make your move as organized and stress-free as possible:

  • Toilet Paper.  At least a few rolls. Trust me on this one.
  • Pain reliever and all your medications.  You don’t want to be searching for these necessities, so make sure they are easily accessible.
  • Toilet Plunger.  Yes, really. Especially if your new place only has one bathroom. Better safe than sorry!
  • Cash for tipping your movers.
  • A Multi-Tool.  While having a whole tool box handy would be great, there is only so much you can (and should) fit into your survival kit.  Something like a Leatherman will provide you with a way to open boxes and other small tasks…and it will fit in your pocket!
  • Trash Bags.  And clear recycling bags.  Look up where you can recycle locally and have the address in your phone so you can take packing boxes/materials there after you unpack.
  • Power Strip and Mobile Phone Charger.  There is nothing worse than discovering your phone is dying and you have no idea where your charger is!  The power strip will come in handy because you will probably clear one small area and can plug in your electronics, a lamp, a coffee pot, etc.…
  • Personal Hygiene Items.  Pack an overnight bag with your toothbrush, toothpaste, deodorant, soap, shampoo etc.  That way, when you are ready to call it a day you can jump right in the shower without having to search through boxes for them.
  • All Purpose Cleaner and a Roll of Paper Towels (or two). Hopefully move-in day won’t be cleaning day, but you never know.  Be prepared.  Even if the house looks clean, you are going to want to wipe down the toilets, sinks and counters.
  • Bottled Water and Granola Bars.   You are going to be hungry. And tired.  Have water and snacks on hand to get you through the day.  Look up some Take Out Restaurants and have their numbers in your phone so you can have food delivered.
  • First Aid Kit.  Well, at least a box of Band-Aids in case you cut yourself opening boxes.
  • Note Pad and Pen.  Because you WILL come up with a list of things you need and need to do as you are unpacking and you will want to write them down so you don’t forget.
  • Scented Candles or Air Fresheners.  Even the cleanest house will smell a little musty if it has been closed up for a while.
  • Flashlight.  Some rooms won’t have overhead lights and if you haven’t unpacked the lamps yet, a flashlight will come in handy.

Enjoy your new home!  And if you haven’t found your dream home yet visit desisowers.com and start your search today!

Negotiation 101

by Desi Sowers

It seems that negotiation has become a lost art in the world of real estate, and that’s unfortunate because the truth of the matter is, if you don’t ask…you don’t get. While sellers want the highest price and buyers want the best deal, they must meet somewhere in the middle for the deal to close. Negotiation is a vital part of selling or buying a home because it is the largest asset people own and there is a lot of money at stake. Here are some guidelines for what sellers and buyers might ask for in real estate negotiations:

  1. Price

Negotiating the best price means different things for sellers and buyers.  The seller wants the highest price and the buyer wants to pay as little as possible.  For a successful transaction, they have to compromise and come up with a price that is acceptable to both.

  1. Closing Costs

Prepaid closing costs are paid by buyers for their mortgage.  These are funds that the mortgage lender holds in escrow for expenses like taxes and insurance.  A buyer may ask a seller to cover some or all their closing costs either with a flat dollar amount or up to a percentage of what’s an allowable contribution for a lender.  If a buyer asks the seller to do this, they are likely going to pay a higher asking price.

  1. Closing Date

Sometimes sellers want to get out of a home quickly because they need the capital from that house they are selling to put toward a new real estate purchase.  The closing date will also affect they buyer’s monthly cash-flow because when a buyer closes on a house, they skip the next month’s mortgage payment, therefore they may want to negotiate to close at the beginning of a month.

  1. Financing Contingencies

When there is a financing contingency in place for a real estate transaction, it can tie up a seller’s property for a required 30 to 60 days.  For this reason, many buyers prefer buyers coming to the table with cash offers. If you are competing with cash buyers, you may want to figure out if you can drop the financial contingency, which will shorten the closing time line. You can do this by getting pre-approved for a home loan prior to making an offer.  Mortgage preapproval shows that your finances are in order and you can afford the home.

  1. Home Warranty

As a buyer, you can request a home warranty. As a seller, you can offer one.  This home protection plan covers things like appliances and systems such as the hot water heater or air conditioning, in the event they repair or replacement.

  1. Leaseback

The moving process is stressful and labor intensive.  Sometimes a seller will need extra time to get into their new home.  When this happens, buyers can offer a zero-cost rent-back for 30 to 90 days to persuade the seller to accept their offer over others. 

  1. Home Repairs

With a home that needs a lot of updating there comes ample opportunity for negotiation. Buyers need to consider the cost of bringing the home up to current standards and use the estimate of that cost to request a lower asking price.  The seller, on the other hand, can specify that the house is being sold “as is” and not offer any repairs.

  1. Appraisal Contingency

A seller can push for a buyer to waive the appraisal contingency, however, if for some reason the appraisal falls short of the expected amount, they need to be prepared for the amount of cash they might have to pay should the bank only be willing to lend them money based on the appraised value.

  1. Furniture

Personal property such as patio furniture, window treatments and chandeliers is all up for grabs.  If the buyer can ask for these things to be included in the contract.  Sellers need to determine what they are willing to leave behind.  And any exclusions need to be specifically listed in the contract as well.

  1. Appliances

Depending on the market, sellers don’t always leave every appliance for the buyer.  They may include the dishwasher, stove and built in microwave in the contract but not the refrigerator, washer and dryer.  Sometimes they don’t want to give everything away up front so that they can use these as items for negotiation.

  1. Inspection

When sellers waive inspection, they often find themselves with "buyer's remorse", but they can try to shorten the time frame for inspection, from ten days to five.  However, today’s lending practices and the TILA RESPA Integrated Disclosure (TRID) make this hard to do.

  1. Condo/Co-op Assessments

These are fees that are used to maintain common areas in a community. If there is an open assessment, it can become a negotiation between the buyer and seller as to who will pay for it.

 

If you are interested in buying or selling a New River Valley home, contact Desi Sowers at 540-320-1328, and discover the difference she can make during your family's move. 

 

Preparing for a Bidding War

by Desi Sowers

It is a seller's market in real estate this year and now that spring has arrived, the competition for homes is likely to get even more fierce.  If you are looking to purchase a home right now, chances are you may find yourself in a bidding war.  Be prepared!  Here are six ways to come out on top in a bidding war:

  1. Get your finances in order and get as much cash as you can.  It is never too soon to get pre-approved for a loan. In fact, the sooner the better.  Sellers will have lots of options and will be leery of those who do not have loans set in stone.  If possible, bring cash to the table.  Sellers will fear appraisals coming in low and loans falling through, so be prepared to cover the difference with cash.
     
  2. Don’t hesitate!  Be the first to make an offer, and make it a good one.  An insulting offer will put you at the bottom of the seller’s list, so it is not a good time to low ball.  Come in at or slightly below asking price so that they know you are serious about purchasing their home.
     
  3. Escalation Clause.  This is the amount of money the buyer agrees to increase the offer if there are other bids. If you offer the asking price of $400,000 on a house, but it might sell for $450,000, put in an escalation clause stating that you are willing to go as high as $460,000.  But know your limit.  Don’t offer more than you can handle.  Also, make sure the clause states that the seller can only take the winning bid up to a level just above the competing offers.  For example, if an offer comes in for $430,000, your bid would be upped to $431,000.
     
  4. Get a pre-inspection.  It will cost you a few hundred dollars, but it can help you in a super-tight market.  If you can make a bid that is not contingent upon inspection, sellers will look favorably on your offer versus the same offer from someone who has a contingency in their contract.
     
  5. Show the love!  If you have found the perfect house and really love it, don’t be afraid to let the sellers know, either directly or through your Realtor.  You can write a letter, send pictures of your family or even make a video describing why you love the house so much.  Be specific in your praise.  Sellers may appreciation the connection you feel with the house and choose you over other bidders.
     
  6. Think with your head, not your heart. Be smart! Purchasing a home is an emotional thing for sure, but emotions can get in the way of making wise decisions.   Make sure you have done thorough research of the market: look at the most recent comparable sales, compare prices from a year ago, visit local school, have coffee at the closest café and speak to potential neighbors.  Look at listings nearby.  Whatever you do, don’t overpay because you get caught up in the heat of the competition.  While the house may seem perfect for you, it is not the only house that will be perfect for you. So, keep a level head and make intelligent decisions.

 

http://www.desisowers.com/Blog/The-Top-Ten-Things-to-Look-for-When-House-Hunting

http://www.desisowers.com/Blog/How-to-Determine-if-You-are-Ready-to-Buy-Your-First-House

http://www.desisowers.com/Blog/Dont-Wait-Buy-Your-Home-in-2017

The Top Ten Things to Look for When House Hunting

by Desi Sowers

House hunting can be overwhelming sometimes, especially when beginning the search for your first home.  Chances are you might get caught up in the process and important details might slip by you. While the number of rooms, condition of the kitchen, and size of the yard are important, there are other things to consider before you make an offer.  This list of things to look for can help get your search off to the right start.

 

  1.      Location, Location, Location
    They say that the 3 most important things to look for when buying a home are location, location and location.  While a home might not be perfect, loving your neighborhood and neighbors can make all the difference in living with imperfection.  And face it…you can change almost anything about your house, but you can’t change its location or the people living nearby.  When you go house hunting, make sure to consider the home’s proximity to your work, the appeal of the neighborhood, when in the neighborhood the home is situated, ease of access, noise from neighbors, traffic, pets and access to parks, shopping, schools and public transportation.

 

  1.      Home Placement
    Beyond location, look at how the home is situated.  If the home is on a hill does it have a view, a walkout basement, or lots of stairs to climb? Do neighbors' windows look directly into the home? Is the yard suitable for kids, pets, gardening, or other uses? Is their safe access to the home? These are all important questions to ask yourself when determining if it is the right property for you.

 

  1.      Check Out the Neighborhood
    While it’s important for your house to meet your expectations, it’s equally important that the neighborhood meets them too. Take a drive around the development you are interested in on week days and weekends, during the day and in the evening.  Are the homes in good repair? Are yards kept clean and tidy?  Is the neighborhood safe enough for people to walk, run or bike?  Are there children playing outdoors?

 

  1.       Consider a Home’s Curb Appeal
    You want a home that is going to reflect your lifestyle. Do you live a    casual, laid-back life? Then you probably won’t want a formal Victorian or Tudor style home.  A simple, contemporary home might better suit you.  Pay close attention to exterior features.  Think about maintenance.  For example, a brick home is easier to maintain than one with siding.  Do you like working in the yard?  If not, you might not want a house with extensive landscaping.  Is the roof in good condition?  Attention to detail will help you choose the home with the best curb appeal for you.

 

  1.       Size and Floor Plan
    You may be thinking about buying your dream home. But is your dream home practical?  Do you actually need 4 bedrooms and 4 baths when you live alone? A spacious home may provide  the extra room you've always wanted for a home office or a theater room, but you'll pay higher heating bills and have higher taxes. Additionally, it will take more furniture to furnish and money to decorate. Think about how the new home space will be used and whether it will fit your lifestyle now and in the future.

 

  1.        Bedrooms and Bathrooms
    Decide how many bedrooms and bathrooms you will need and only    look at homes that meet that criteria.  You don’t want to fall in love with what is otherwise a perfect house if it doesn’t provide the space needed for your family.  It’s smart to consider counting an extra bedroom in that number so that you have extra space for a home office or guest room. If you think you might add on to the home later, make sure you consult an architect who can advise you on space planning and regulations.

 

  1.         The Kitchen
    For many people, the kitchen is the heart of the home. Don’t settle for a home with a kitchen that doesn’t work for you.  Yes, you can remodel later, but at great expense.  If it’s an easy fix like replacing cabinets or countertops, get a price quote before committing the house so that you will know if it is within your budget to take that on.

 

  1.          Closets and Storage
    Older homes often have small closets and lack storage space.  As you’re looking at a home ask yourself where you will store your belongings.  Tiny closets don’t have to be a deal breaker.  There are ways to maximize storage without renovations. Newer homes tend to have lots of storage and you may sacrifice living space while having more closet space than you actually need.

 

  1.          Windows and Lighting
    While looking at a home keep in mind your preferences regarding light and privacy.  Do you want a lot of windows to provider bright, sunny rooms?  Pay attention to the locations of electrical outlets and fixtures to make sure they will meet your lighting needs. 

 

  1.            Finishing Touches
    Even a simple home can look spectacular with the right moldings, hardware, and a fireplace.  If elements like these are important to you, look for them while house hunting. 

 

You may not find everything you want in one house, but keep this list handy and you are more likely to find the home that best suits your needs and desires.  Happy House Hunting!

If you are interested in buying a New River Valley home, contact Desi Sowers at 540-320-1328, and discover the difference she can make during your family's move. 

 

How to Determine if You are Ready to Buy Your First House

by Desi Sowers

The decision to purchase your first home is not one that should be made lightly.  It is an important, life-changing decision that should be given serious consideration.  So, before you take the plunge into searching for the prefect home, here are some questions you should ask yourself to make sure that you are ready.

  1. Can I afford a home?  The first step is to determine if you can afford to buy a home based on your current financial situation.   Using a home affordability calculator will help you figure out how much you can afford by plugging in your income, debt and the amount of a down payment you will be able to make.   You will now have a number of the highest amount you can afford and what the monthly payment will be.
  2. Is it better for me to rent or buy?  The answer to this question depends upon what kind of market you are in because inventory can make a huge difference. Using a rent vs buy calculator will allow you to crunch the numbers. You can enter the current amount of rent you’re paying (or how much you would be able to pay) and the zip code where you want to live. The calculator will provide a comparison of the cost of buying a home versus renting in that area.  You will also be able to see which option is more cost effective over time.
  3. How long will I live here?  If you plan to stay in a home for a long time, it is generally better to buy versus rent. If you’re going to be living somewhere for a short term, renting might be the better option.  The reason is that when you buy a home you will likely have to pay closing costs which can total in the thousands of dollars.  In addition, most of your early mortgage payments go toward interest rather than paying down the principal, which is the actual amount you owe on the home.  A good rule of thumb is that home buyers should stay put for at least five years.  Otherwise, renting is better.
  4. Are you saving for retirement?  Retirement may seem a long way off to young home-buyers, but it is important to start saving early.  It’s not a good idea to neglect your retirement accounts in order to “save” money to put down on a house. Consider meeting with a financial counselor who can help you find a balance in saving for retirement and saving for your first home at the same time.
  5. Am I ready for the responsibility?  Owning a home is a huge responsibility.  With rentals, you can call your landlord to fix things that aren’t working in the home, but as an owner, it all comes down to you.  You need to be sure that you have the time, willingness and resources to keep up with home and yard maintenance.

 

http://www.desisowers.com/Blog/Dont-Wait-Buy-Your-Home-in-2017

http://www.desisowers.com/Blog/How-to-Get-Out-of-Debt-and-Buy-a-House

http://www.desisowers.com/Blog/Mortgage-Information

Don’t Wait! Buy Your Home in 2017!

by Desi Sowers

If you have been thinking about buying a home, now is the time to do it.  And here are three significant reasons why:

  • Interest rates have begun to rise and will likely continue to do so.  Last year rates on 30 year mortgages bottomed out at 3.55%.  Now that the Federal Reserve finally decided to raise its key interest rate, mortgage rates have begun to slowly climb.  Currently the average rate is just above 4%; by 2019-2020, rates could climb to 6%.  The upside is that when rates go up, competition and housing prices generally go down.  Higher rates can mean that sellers might be more flexible in pricing.

  • Inventory is shrinking. In November, 2016, there were only 1.85 million homes for sale.  That is a 10% drop from the year before. And the number of homes for sale continues to steadily decline since just before the housing crash when inventory peaked.  It is predicted that that inventory will continue to shrink for the foreseeable future.  That means as a homebuyer, you have more homes to choose from today than you will next year. Or even next month.  Winter is commonly considered to be real estate’s off season. So if you get moving now, you’ll have less competition for those homes than you will in the peak spring and summer months.  The longer you wait to look for a home, the more competition you will face for fewer homes.
  • Home prices are still rising. Unfortunately for buyers, home prices now stand higher than before the 2007 crash.  They increased 5% between 2015 and 2016.  It is expected that they will continue to increase and additional 2% to 3% in 2017.  While it’s anyone’s guess how high prices will rise and how long they will remain high, the good news is that if you jump into the market right now you might just get into your home before prices go up! 

http://www.desisowers.com/Blog/Blacksburg-VA-Home-Sales-October-2016

http://www.desisowers.com/Blog/Mortgage-Information

 

 

 

 

If you are interested in buying a New River Valley home, contact Desi Sowers at 540-320-1328, and discover the difference she can make during your family's move. 

How to Get Out of Debt and Buy a House

by Desi Sowers

As a real estate agent, I love helping people purchase their first home.  However, there are two major challenges that I see time and time again with first time home buyers:

  1. They often carry too much debt.
  2. They don’t have enough cash for a down payment.

These two issues are strongly related in that people need to reduce debts that inhibit them from saving money.

We all know that we shouldn’t spend more than we earn, but falling into the debt trap is easy to do.  You see a pair of boots that you must have and you think, I will use my credit card now and pay for them with my next paycheck.  It sounds reasonable at the time, but next thing you know you’ve done something like that often enough that there is a beastly credit card balance hanging over your head.

So, now you’re in debt.  You have regrets, but no use doing the “should have, would have, could have” dance.  Now it’s time to move forward and take the steps needed to reduce your debt.  Here is a list of things to do to change the way you manage your money.  Follow these steps and before you know it you will be on your way to saving for a down payment on your first home!

 

  1. Stop adding to your debt. The first step to getting out of debt is to stop adding to your outstanding balances. To remove temptation, carry only one credit card with you…and make sure it is the one with the lowest limit so that it is impossible to get into serious trouble with it.  Leave any other credit cards in a safe place at home to keep yourself from going on an impulsive shopping spree. 
  2. Take an inventory of your spending habits. This may not be a fun activity, but it is helpful to see how you are spending.  Create a list of where your money goes each month including rent, utilities, car payments, food, credit cards etc. Once you have done this, split the list into two categories: bills you always have to pay every month and debts you need to pay off.  The second list then can be organized in order of urgency, either based on outstanding balance or highest interest rate.  Now you will have a clear picture of your debt situation. Inventory of Finances 
  3. Eliminate the largest debts first. Make a minimum payment for each of your credit card bills, but then make an extra payment on the bill that is at the top of your list. Do this monthly until that bill is paid in full.  Now take the money you were using for that bill and start applying it to the second item on your list.  Continue this until all of them are paid off. 
  4. Cutting expenses and making the payment.  If you are already in debt, how are you going to find money for an extra payment?  Well, some sacrifices will have to be made.  Cutting back on extras like trips to Starbucks, entertainment and eating out can free up cash that can go toward that extra payment each month.  40 Ways To Save on Monthly Expenses
  5. Prepare for the Unexpected. Sometimes life is a struggle and unexpected challenges such as car repairs or medical expenses will pop up from time to time.  As you cut expenses and start to save money, set up an emergency savings account just for these occasions.  That way you will be prepared and won’t have to use a credit card and add to your debt.
  6. Lower your interest rates. Give your credit card company a call to see if they will lower your interest rate. If they say no, shop around for a card with a lower rate and transfer your debt (be careful of transfer fees to make sure the transfer benefits you). You can also seek out a consolidation loan from your bank. They will pay off your debt and you can pay them back at a lower interest rate. How To Lower Credit Card Interest Rates
  7. Stick to it!  As you see your debt decrease and see your cash increase, don’t fall back into old spending habits. As you have more money available, put it right into your savings and soon you will have the money you need for a down payment on your first home!

 

http://www.desisowers.com/Blog/Knowing-When-Youre-Ready

http://www.desisowers.com/Blog/Buying-Remains-36-Cheaper-than-Renting

http://www.desisowers.com/Blog/Improve-Your-Credit-Score-Before-Applying-for-a-Mortgage-Loan

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