Buying a home takes more than just a down payment — but how much do you really need? In this quick and informative session, you’ll learn exactly what goes into your total “cash to close,” including down payment options, closing costs, and other upfront expenses.
You’ll walk away with a clear understanding of:
✅ How much money you actually need to buy a home
✅ Low down payment loan options (you don’t always need 20%)
✅ What closing costs and prepaids cover
✅ Tips and strategies for saving for your down payment
✅ How gift funds or wedding gifts can help
Whether you’re planning to buy soon or just starting to save, this class will help you create a realistic plan to reach your homeownership goals.
🕓 Duration: 1 hour
📍 Location: Zoom (link provided after registration). Register here or by scanning QR code above.
🎓 Who it’s for: First-time and repeat buyers who want to understand what it really costs to buy a home
Twas the season of spending with American’s splurging over $1100 on gifts this holiday season. Credit card interest rates average around 24% with 
If you’re a homeowner wanting to buy your next home, you might be feeling reluctance to trade your existing interest rate for a current mortgage rate. It’s easy to understand when mortgage rates are double from what they were a few years ago. Historically speaking, mortgage rates are actually closer to what would be considered more of an average range than the Fed manipulated rates of years past.
Dave Ramsey is someone a lot of people follow for financial advise. Lately he’s been showing up A LOT in my Facebook stream pushing his thoughts on mortgages, home ownership and credit. Some of his ideas, I don’t totally disagree with. In fact, I shared a post that came from his group encouraging people to continue to pay rent and make their mortgage payments during the pandemic if at all possible (ie nothing is for free). However, I don’t support what he instructs his followers who are considering buying a home and I also have an issue with anyone who pushes their “team of vetted real estate agents”…I would be really surprised if there is not some sort of financial relationship associated with this referral arrangement.
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