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Category: Buying Tips

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Could a 55+ Community Be Right for You?

Written by Cape San Blas Mortgage Syndicated User on . Posted in Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers.

If you’re thinking about downsizing, you may be hearing about 55+ communities and wondering if they’d be a good fit for you. Here’s some information that could help you make your decision.What Is a 55+ Community?It’s important to note that these communities aren’t just for people who need extra support – they can be pretty vibrant, too. Many people who are downsizing opt for this type of home because they’re looking to be surrounded by people in a similar season of life. U.S. News explains:“The terms ‘55-plus community,’ ‘active adult community,’ ‘lifestyle communities’ and ‘planned...

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Today’s Biggest Housing Market Myths

Written by Cape San Blas Mortgage Syndicated User on . Posted in Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, Economy, For Buyers, Mortgage Rates.

Have you ever heard the phrase: don’t believe everything you hear? That’s especially true if you’re thinking about buying or selling a home in today’s housing market. There’s a lot of misinformation out there. And right now, making sure you have someone you can go to for trustworthy information is extra important.If you partner with a real estate agent, they can clear up some common misconceptions and reassure you by backing them up with research-driven facts. Here are just a few misconceptions they can help disprove.1. I’ll Get a Better Deal Once Prices CrashIf you’ve heard home prices are...

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What Credit Score Do You Really Need To Buy a House?

Written by Cape San Blas Mortgage Syndicated User on . Posted in Agent Value, Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, First-Time Buyers, For Buyers.

When you’re thinking about buying a home, your credit score is one of the biggest pieces of the puzzle. Think of it like your financial report card that lenders look at when trying to figure out if you qualify, and which home loan will work best for you. As the Mortgage Report says:“Good credit scores communicate to lenders that you have a track record for properly managing your debts. For this reason, the higher your score, the better your chances of qualifying for a mortgage.”The trouble is most buyers overestimate the minimum credit score they need to buy a home....

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Why the Sandwich Generation Is Buying Multi-Generational Homes

Written by Cape San Blas Mortgage Syndicated User on . Posted in Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers.

Are you a part of the Sandwich Generation? According to Realtor.com, that’s a name for the roughly one in six Americans who take care of their children and their parents or grandparents at the same time.If that sounds familiar to you, juggling all the responsibilities involved certainly must have its challenges. But it turns out there’s one pretty significant benefit: it can actually make it a bit easier for you to buy a home.How Can It Help You Buy a Home?Realtor.com asked members of the Sandwich Generation if they agree or disagree that taking care of children and parents at the same time...

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A Newly Built Home May Actually Be More Budget-Friendly

Written by Cape San Blas Mortgage Syndicated User on . Posted in Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers, Home Prices.

If you’re in the market to buy a home, there’s some exciting news for you. Many people assume that newly built homes are more expensive than existing ones (houses that have already been lived in), but that’s not always the case. In fact, exploring newly built homes can sometimes lead to more cost-effective options, especially today. Hard to believe, right? But the data doesn’t lie.Here are two key reasons working with your agent to look into new home construction could help you find a more budget-friendly option.Reason 1: Lower Median Prices for Newly Built HomesThe median sales price for...

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How Affordability and Remote Work Are Changing Where People Live

Written by Cape San Blas Mortgage Syndicated User on . Posted in Affordability, Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers.

There’s an interesting trend happening in the housing market. People are increasingly moving to more affordable areas, and remote or hybrid work is helping them do it.Consider Moving to a More Affordable AreaToday’s high mortgage rates combined with continually rising home prices mean it’s tough for a lot of people to afford a home right now. That’s why many interested buyers are moving to places where homes are less expensive, and the cost of living is lower. As Orphe Divounguy, Senior Economist at Zillow, explains:“Housing affordability has always mattered . . . and you’re seeing it...

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The Biggest Mistakes Homebuyers Are Making Right Now

Written by Cape San Blas Mortgage Syndicated User on . Posted in Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers, Infographics.

Some HighlightsWant to know the biggest mistakes homebuyers are making today?They include everything from putting off pre-approval for too long, holding out for the perfect home, buying more than they can afford, and skipping out on hiring a pro. Connect with a real estate agent to make sure you have a pro on your side who can help you avoid these mistakes.

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Unlocking Homebuyer Opportunities in 2024

Written by Cape San Blas Mortgage Syndicated User on . Posted in Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers, Home Prices, Inventory.

There’s no arguing this past year has been difficult for homebuyers. And if you’re someone who has started the process of searching for a home, maybe you put your search on hold because the challenges in today’s market felt like too much to tackle. You’re not alone in that. A Bright MLS study found some of the top reasons buyers paused their search in late 2023 and early 2024 were:They couldn’t find anything in their price rangeThey didn’t have any successful offers or had difficulty competingThey couldn’t find the right homeIf any of these sound like why you stopped looking, here’s what...

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How To Determine if You’re Ready To Buy a Home

Written by Cape San Blas Mortgage Syndicated User on . Posted in Agent Value, Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, For Buyers.

If you’re trying to decide if you’re ready to buy a home, there’s probably a lot on your mind. You’re thinking about your finances, today’s mortgage rates and home prices, the limited supply of homes for sale, and more. And, you’re juggling how all of those things will impact the choice you’ll make.While housing market conditions are definitely a factor in your decision, your own personal situation and your finances matter too. As an article from NerdWallet says:“Housing market trends give important context. But whether this is a good time to buy a house also depends on your financial...

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The Price of Perfection: Don’t Wait for the Perfect Home

Written by Cape San Blas Mortgage Syndicated User on . Posted in Agent Value, Buying Tips, Cape San Blas Mortgage, Cape San Blas Mortgage Rates, First-Time Buyers, For Buyers.

In life, patience is a virtue – but in the world of homebuying, waiting too long in hopes of finding the perfect home actually isn’t wise. That’s because the pursuit of perfection comes at a cost. And in this case, that cost may be delaying your dream of homeownership. As Bankrate explains:“One of the most common first-time homebuyer mistakes is looking for a home that checks each of your boxes. Looking for perfection can narrow your choices and lead you to pass over good, suitable options for starter homes in the hopes that something better will come along.” The Cost of Holding Out...

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