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Blog Image: Is Now the Right Time to Buy Your First Home?

Is Now the Right Time to Buy Your First Home?

There are millions of potential U.S. homebuyers sitting on the sidelines wondering if it is smart to buy their first house in the midst of a global pandemic. Unemployment is the highest it's ever been, COVID-19 cases are still rising in many places, and home prices remain steep. And yet, great opportunities can often arise in the middle of economic turmoil. This may be a great time to become a first-time homebuyer. Timeframe One of the biggest concerns right now for many first-timers is whether the housing market will hold its value or if we’re in for a big crash as the coronav...

September 23rd, 2020 | Purchasing a Home, First-time Homebuyers, Is Now the Right Time to Buy Your First Home?

Blog Image: The Little-known Mortgage That Doesn’t Require a Down Payment

The Little-known Mortgage That Doesn’t Require a Down Payment

A conventional mortgage loan requires a 20% down payment. If you are a first-time homebuyer however, saving up tens of thousands of dollars can seem like an impossible task. Of course, there are loan programs, like FHA mortgages, that allow for low down payments, but they often have stricter requirements. For some of those programs, you may have to pay higher interest rates, have better credit scores, or pay higher mortgage insurance fees.  Fortunately, there is a little-known mortgage loan that requires no down payment and minimal fees: the USDA loan. USDA Loan Defined These are mo...

September 9th, 2020 | Government Loans, USDA Loans, The Little-known Mortgage That Doesn’t Require a Down Payment