Buy a house
Becoming a homeowner is an incredibly rewarding experience. The problem - the process can seem never-ending and even daunting. However, with the advancement of mortgage technology, the process of buying a home is easier than ever, and the benefits are still just as extraordinary.
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Today's rate
| Name | Rate | Diff |
|---|---|---|
| Homer | 4.999% | - |
| Other Local Bank 1 | 6.500% | +1.501% |
| Other Local Bank 2 | 6.375% | +1.376% |
Our process:
Conversation
Let’s have a no-pressure conversation about your home buying, selling, or refinancing goals. Our objective is to educate you on the mortgage process. Knowledge is power.
Application
Once you’re ready we will take a look at your credit, income and assets to provide a pre-approval letter. We will also quote you a rate. We are proud of our rates.
Exploration
Whether you are using a Homer Agent or a different one, it’s time to explore and find your dream home.
Why Should I Buy?
It’s normal to have reservations about making the big leap into becoming a homeowner. That is why it’s important that you know what you’re getting into. Tom Brokaw said it best when he coined the phrase, “The more you know.” Below are just some of the incredible benefits of being a homeowner.
Freedom
There is no better feeling than freedom: the home is yours to do what you want with. Paint the walls, hang decor, plant flowers, knock down a wall, the options are endless (and Home Depot becomes your best friend).
Appreciation
The numbers are growing. National home prices increased 6.7% year over year in September 2020, according to the latest CoreLogic Home Price Index (HPI®) Report. The September 2020 HPI gain was up from the September 2019 gain of 3.5% and was the highest year-over-year gain since May 2014
Stability
Maintaining a stable home life balance is essential. It allows your family to build long-lasting relationships in the community with the benefit of educational and social longevity.
Equity
When you rent, you are paying someone else’s mortgage. When you own, every payment goes into buying down the mortgage, closer to owning the home. The best way to put it is every month you make your mortgage payment, it’s like putting it into a bank account.
Predictability
Unlike renting, a fixed-rate mortgage (typically 30 year) will never rise in payment, keeping your housing costs the same month over month, year over year. Keep in mind, property taxes and insurance costs can increase.
Tax Benefits
Tax benefits. The U.S. Tax code allows you to deduct the interest you pay on your mortgage, property taxes, and other costs involved in buying a home.
