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Tax Refund to Down Payment: How to Use Your Refund Wisely When Buying a Home

Tax Refund to Down Payment: How to Use Your Refund Wisely When Buying a Home

Tax season often brings a welcome financial boost. For many future homeowners, a tax refund can be the key that unlocks the door to homeownership. If you’re thinking about buying a home, using your tax refund strategically—especially toward your down payment—can put you on the fast track to success. As a mortgage loan officer, I … Continue reading Tax Refund to Down Payment: How to Use Your Refund Wisely When Buying a Home

Renting vs. Buying in 2026: Analyzing the Long-Term Financial Impact

Renting vs. Buying in 2026: Analyzing the Long-Term Financial Impact

Deciding whether to rent or buy a home is one of the biggest financial decisions most people make. In 2026, this choice is shaped by rising rents, housing market conditions, mortgage costs, and the long-term wealth potential of building equity. Understanding the financial impact of each option can help prospective renters and buyers make smarter … Continue reading Renting vs. Buying in 2026: Analyzing the Long-Term Financial Impact

Yes, Homeownership Is a Win-Win — Even in a Seller’s Market

Yes, Homeownership Is a Win-Win — Even in a Seller’s Market

If you want to buy a home but heard it’s a seller’s market, don’t let that deter you. There are big benefits to pursuing your dream of homeownership, even when there’s competition. What is a seller’s market, exactly? A seller’s market occurs when housing inventory is low compared to the number of buyers in the … Continue reading Yes, Homeownership Is a Win-Win — Even in a Seller’s Market

Increasing Conforming Loan Limits: What It Means and Why It Matters

Increasing Conforming Loan Limits: What It Means and Why It Matters

In 2021, the conforming loan limit will be increased for the fifth consecutive year by the Federal Housing Finance Agency. The move, which increases the limit by 7.5% from $510,400 to $548,250, follows a trend that began in 2016; previously, the agency hadn’t increased the limit in 10 years. In what has been an unusual … Continue reading Increasing Conforming Loan Limits: What It Means and Why It Matters

A Peek into the History of the Tennessee Housing Development Agency

A Peek into the History of the Tennessee Housing Development Agency

If you’re thinking about buying a house in Tennessee, you probably know that the types of mortgage loans vary widely. This is good news because if potential buyers don’t qualify for one type, hopefully they can get approved for another. If you’re purchasing a home in Tennessee, your mortgage loan may end up being owned by the … Continue reading A Peek into the History of the Tennessee Housing Development Agency

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