Bethany AshbyAffordability has always been a big question for homebuyers, but in today’s market of higher mortgage rates and changing home prices, it’s become even more pressing. Many buyers are discovering that homes once within reach may now stretch their budgets — but that doesn’t mean homeownership is out of the picture. With smart planning and a few adjustments, you may still afford more than you think.
Bethany AshbyBuying a home is one of the biggest financial decisions you’ll ever make—and the mortgage you choose can impact your budget for years to come. While interest rates and monthly payments get most of the attention, the loan program you select can shape your entire experience as a homeowner. From down payment requirements to eligibility rules, here's how to determine which mortgage program suits you best.
Bethany AshbyUnderstanding the Full Cost of a Mortgage When shopping for a mortgage, it’s easy to focus solely on the interest rate. While that number plays a big role in your monthly payment, it’s far from the only cost involved in buying a home. From lender fees to government charges and prepaid items, your final closing costs can add thousands of dollars to the price of your loan. Knowing what fees to expect can help you avoid surprises and budget more effectively. Let’s break down the most common costs you’ll encounter beyond the interest rate.
Bethany AshbyThe question on everyone’s mind right now: Are home prices going to fall in 2025? After years of volatility, interest rate hikes, and affordability struggles, it's no surprise buyers and sellers alike are wondering if a correction is coming — or already underway.
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