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Recent posts by Home.com

5 min read

When Will Interest Rates Go Down?

By Home.com on 1/13/23 10:00 AM

Mortgage rates have been consistently on the rise as the Fed struggles to battle inflation. 

With a recession looming in the distance, you might ask yourself: “Is now the right time to buy a house?” 

It’s an understandable question considering how inflation has soared, house prices are high, and mortgage rates keep rising in response. No one wants to make a wrong financial decision. 

But it might not be a bad financial decision to buy a house right now. Let’s talk through mortgage rates, how they work, and whether or not today is the right time to buy a home, given the state of the market.

Topics: Financial Planning Planning in Advance Loan Financial Literacy Budgeting
4 min read

How Much Home Can I Afford?

By Home.com on 12/16/22 10:00 AM

Deciding to own a home is not only a major lifestyle change but also likely one of your biggest investments.

When searching for a home, you’ll want to consider your comfort on many levels – including what you can reasonably afford.

We’ve provided a guide to the basic factors that impact how much home you can afford, including details about your personal finances and the costs of a mortgage.

As you move toward buying a home, a loan officer can recommend the most affordable loan options and help you nail down more specific costs of owning a home.

Topics: Financial Planning Planning in Advance Loan Financial Literacy
6 min read

What Are Experts Predicting About Mortgage Rates?

By Home.com on 12/12/22 10:00 AM

If you’re considering purchasing a new home, you’ve likely been paying attention to mortgage rates. 

Unless a homebuyer can make a cash offer to buy a home, mortgage rates can make a big difference toward when they buy and what kind of home loan product they use.

The housing market has been quite volatile over the last couple of years. Mortgage rates had incredible lows at the beginning of the pandemic, but, as expected, rate increases came about this year.

Topics: Financial Planning Planning in Advance Loan Financial Literacy
5 min read

How First-time Homebuyers Can Compete as Prices Rise

By Home.com on 11/4/22 10:00 AM

It’s a seller’s market out there. 

Topics: Financial Planning Financial Wellness Financial Literacy
4 min read

A Guide to the Different Types of VA Loans

By Home.com on 10/17/22 10:00 AM

f you’re a veteran, active duty service member, or surviving spouse, you have specific mortgage loan options available to you.

VA loans are offered through the U.S. Department of Veterans Affairs. 

They can be used to build or purchase a home, refinance a mortgage, or make repairs. And they offer numerous benefits to borrowers.

Learn more about the VA loan types available to you, the benefits, and how to qualify.

Topics: Financial Planning Planning in Advance Financial Literacy
4 min read

Which Credit Scores Do Mortgage Lenders Use?

By Home.com on 10/14/22 10:00 AM

If you have a credit card, chances are you’ve gotten a letter or email encouraging you to check your FICO credit score. 

But what is this score, and where does it come from?

Depending on the types of credit you have, you likely have multiple FICO scores. 

Mortgage lenders check these scores to evaluate your creditworthiness when you are looking to buy a home or refinance.

Learn why mortgage lenders look at your credit scores, how they use them, and which scores your lender may use when applying for a mortgage or refinancing.

Topics: Financial Planning Planning in Advance Financial Literacy
6 min read

The Best Fall Home Improvements to Increase Home Value

By Home.com on 9/26/22 10:00 AM

Primary residences make up a quarter of all assets held by households in America and continue to be the biggest asset for homeowners. 

Whether you intend to build equity or get top dollar when you sell, repairs and smart improvements can protect your asset and even increase home value. 

Topics: Financial Planning Planning in Advance Financial Literacy
4 min read

Is an FHA Mortgage Loan Right for You?

By Home.com on 9/19/22 10:00 AM

Becoming a first-time homebuyer can be exciting and overwhelming. While the first step in purchasing your new home is obtaining a mortgage, you will also need to decide on the mortgage type you want. You may have heard that an FHA mortgage loan is a great option.

But you may be wondering, “What is an FHA loan, and is it the right loan for a first-time homebuyer?” For most, an FHA loan is appealing because it can be easier to qualify for than a conventional loan. It has many advantages that are worth learning about before deciding to make such a large financial commitment. 

Topics: Financial Planning Planning in Advance Financial Literacy