It’s a tough market out there right now for people who are looking to buy a house. Whether you’re a first-time homebuyer or looking to move, the current mortgage rates and high home prices can be limiting. Many homebuyers are second-guessing whether now is the right time for them to buy.
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One of the obstacles that keeps first-time homebuyers out of the housing market is the misconception that they need to have a 20% down payment.
Sometimes, we get by with a little help from our friends…or family.
There are many reasons someone may need help to qualify for a mortgage. They may just be starting out and haven’t established a good credit history yet. Or perhaps they’re just getting out of a tough financial situation that they’re turning around.
Tuition, books, transportation, room and board…the cost of college adds up fast. At first glance, then, it may seem crazy to consider buying a home for a college student, but is it?
The American dream is not one size fits all. Some borrowers want to purchase a second home where their family can vacation for part of the year. Buying property as a second home could mean a cabin in the mountains, a beachside bungalow, or anything in between.
Buying an investment property can be one of the keys to financial freedom and generational wealth. Whether you want to enjoy rental income, tax benefits, or both, owning an investment property can help you achieve your long-term goals in less time.
You own your primary residence, but you’re thinking about buying a second home. Congrats! Being in a financial position to make that kind of real estate investment is a major accomplishment, and you should be proud of that.
We know buying a home can be intimidating. There are so many variables that can go into this big decision. Then there’s what you think you know—and what others think they know. A lot of this information can come from secondhand sources or even “expert” opinions you see on TV or on the internet. These opinions aren’t always wrong, but what they don’t take into account is your specific situation—or the fact that you have APM on your side.
Buying a home can be an exhilarating experience. You’ll be hunting for your dream home, handpicking the perfect school district, and building generational wealth through real estate. That all sounds amazing, but the process to get there can undeniably have a few stressors.
Qualifying for first-time home buyer programs may not be as hard as you think. These programs are specifically designed to help a first-time home buyer like you overcome some of the more common hurdles people face when buying a home. Those hurdles, of course, include saving for a down payment and the closing costs.
The homebuying process…where do you even start? Buying a house may be a lifetime dream of yours, but for many buyers it can feel overwhelming at first. While it may seem like a lot, our APM Loan Advisors have your back. Our 100% focus is on getting hardworking people like you into the homes they deserve.
Buying a home involves a lot of choices—locations, type of home, type of loan, and more. When it comes to the type of home, remember that a single-family home isn’t the only option. Condos can be great places to live, not to mention solid investment properties. That’s because the condo market continues to expand and may increase your options.
Single-family homes aren’t the only game in town when it comes to homeownership, building wealth, or fulfilling the American dream. Condos are another great avenue to achieve all three.
Many people think of an existing single-family home when they think about homeownership or buying residential real estate. Purchases of this type of property are common, after all. But there are other residential real estate purchases that might be perfect for your lifestyle and/or financial situation.
Real estate agents are a dime a dozen, right? While it’s true that buyer’s agents and seller’s agents are in no short supply, a good real estate agent is something to appreciate. So how do you know if they’re good, and—even better—how do you know if they’re good for you?
Protecting your credit is important all the time, but especially when you’re in the middle of—or about to begin—the homebuying process, it’s even more crucial to protect your credit. That’s because there aren’t many other times in our lives where we need a loan of this size.
That means that in addition to getting your finances and paperwork in order, you’ve got to protect your credit like nobody’s business. Thankfully, there are a few easy, low-cost ways of doing this so your housing dreams don’t get derailed.
There are so many options out there that promise to help you build wealth. High-interest rate savings accounts can make a few drops in the bucket, but not many. The stock market is certainly a vehicle for making money, but you have to know what you’re doing, what you’re buying, and when to get out. Retirement accounts can be a great way to accrue money over time, but 65 is a long way off for some people. Then there are cryptocurrencies. A year ago, it seemed the sky was the limit for these virtual coins. This year, it’s a whole different story.