The $10,000 Mistake: Why Negotiating a Lower Price is Costing You Money

Let's break it down with some numbers. Say you're buying a $500,000 home and you're able to negotiate $10,000 off the purchase price. That sounds great, right? Your monthly mortgage payment will only drop by about $63. It would take you 13 years just to break even on that $10,000 reduction. It's not

Buying vs. Renting in 2025: Which One Makes More Financial Sense?

The decision to buy or rent isn’t just about today’s costs—it’s about your future plans, financial stability, and lifestyle goals.  According to ATTOM’s 2025 Rental Affordability Report, in most U.S. markets, homeownership costs less of a person’s wages than renting a comparable property. But does t

What’s the Latest with Mortgage Rates?

What’s the Latest with Mortgage Rates? Recent headlines may leave you wondering what’s next for mortgage rates. Maybe you’d previously heard there were going to be cuts this year that would bring rates down. That refers to the Federal Reserve (the Fed) and what they do to their Fed Funds Rate. While

What Every Homebuyer Should Know About Closing Costs

What Every Homebuyer Should Know About Closing Costs Before making the decision to buy a home, it's important to plan for all the costs you’ll be responsible for. While you're busy saving for the down payment, don't forget you’ll want to prep for closing costs too. Here’s some helpful information on