first-time home buyers

Are you financially ready to buy a house?

A home is likely the single largest investment you will make in your lifetime. It has enormous potential to build up your wealth over time. But did you know that even in a relatively unpredictable market, you can purchase a home? If you adjust your thinking and your vision, you can almost always buy something …

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Millennials and the Home Buying Experience

Totaling more than 80 million individuals, millennials represent the largest generation in the U.S. By 2025, they will claim three-quarters of all jobs. Also considered the best educated, 35% of 25 to 29-year-olds hold a degree, while at the same time carry some of the highest debt levels due to student loans and credit card …

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Hidden Costs of Home Ownership

To determine what they can afford, buyers too often focus on mortgage payment or a home’s list price alone. Non-mortgage related costs associated with homeownership can affect the monthly bottom line, if you’re not prepared. Let’s take a look at some of the hidden costs of home ownership. Property taxes If you’re only plugging in …

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How to Become a Homeowner in Florida

If you’ve ever wanted to buy a house in Florida, you’ll need to go through a lot of steps. In this article, we provide an overview of how to become a homeowner in Florida. Budget You need to know exactly how much home you can afford before you begin your home search. The mortgage payment …

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Reasons to Use the Best Mortgage Brokers in Florida

When considering buying a home, most people require a mortgage to do so. Doing business with banks and lenders directly or hiring a mortgage broker. Finding a mortgage broker is a bit more difficult than it used to be but are still part of the mortgage marketplace. In this article, we’ll cover the reasons you …

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What’s the Difference Between Pre-Qualification and Pre-Approval?

Unfortunately, without proper preparation, many buyers get lulled into the mistaken notion that if a lender pre-qualifies them for a mortgage, it means that they have been pre-approved for the home loan. There’s a world of difference between these two terms. If you’ve ever been confused by the two, this will explain how they differ, …

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Who Qualifies as a First Time Home Buyer in Florida?

Did you know that the definition of a first-time buyer isn’t restricted to people purchasing their first property ever? According to the Department of Housing and Urban Development, it also includes the following: A person who has not owned a residence for at least 3 years. A single parent who previously co-owned a home while …

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Why Buying a Home is Better than Renting

Owning your own home has distinct advantages over renting, especially when it comes to building your net worth and providing a stable environment for your family. If you’re struggling with whether to buy versus rent, consider these 10 reasons to take the plunge into homeownership: 1. You can ramp up energy efficiency. Energy-efficient improvements—from adding …

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Advice for Single Homebuyers

Home-buying trends have changed over the last decade, and in today’s new market, more single homebuyers are entering the real estate market than ever before. And, single women have now outpaced single men as a percentage of homebuyers—a whopping 21 percent of all new home purchases are credited to single women. Single men and women …

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