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Down Payments | Keller Williams Realty Signature Partners Blog

Tuesday, January 31, 2023   /   by Laura Miller Edwards Realty Group

Key Terms To Know When Buying a Home [INFOGRAPHIC]

Some Highlights

Buying a home is a major transaction that can seem even more complex when you don’t understand the terms used throughout the process.


If you’re looking to become a homeowner this year, it’s important to know these housing terms and how they relate to the current market so you feel confident throughout the homebuying process.


Let’s connect so you have expert answers for any questions as they come up.


This blog post previously appeared on https://www.simplifyingthemarket.com/en/2023/01/13/key-terms-to-know-when-buying-a-home-infographic/?a=106260-312309902871c1f0d820820f58bf8fde. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. and the Laura Miller Edwards Realty Group do not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing h. ...

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  for buyers, home buying, first time home buyers, infographics, down payments

Tuesday, December 27, 2022   /   by Laura Miller Edwards Realty Group

Financial Fundamentals for First-Time Homebuyers

Are you prepping to buy your first home? If so, one of the steps you should take early on is to ensure you’re financially ready for your purchase. Here are just a few of the financial fundamentals you’ll need to focus on as you set out to buy a home.
Build Your Credit
Your credit is one element that helps determine which home loan you’ll qualify for. It also impacts your mortgage interest rate. While there are many factors that go into your mortgage application, a higher credit score could lead to a lower monthly payment in the long run.
So how do you make sure your credit is in the best shape possible when it’s time to buy? A recent article from NerdWallet lists a few tips you can use as you work to build and strengthen your credit. They include:
Tracking your credit and disputing any errors that show up on your reports.
Paying your bills on time. This includes making loan payments and paying down any open lines of ...

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  for buyers, first time home buyers, down payments

Wednesday, November 16, 2022   /   by Laura Miller Edwards Realty Group

VA Loans Can Help Veterans Achieve Their Dream of Homeownership

For over 78 years, Veterans Affairs (VA) home loans have provided millions of veterans with the opportunity to purchase homes of their own. If you or a loved one have served, it’s important to understand this program and its benefits.
Here are some things you should know about VA loans before you start the homebuying process.
What Are VA Loans?
VA home loans provide a pathway to homeownership for those who have served our nation. The U.S. Department of Veterans Affairs describes the program like this:

“VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.”

Top Benefits of the VA Home Loan Program
In addition to helping eligible buyers achieve their homeownership dreams, VA loans have several other great ben. ...

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  for buyers, home buying, first time home buyers, down payments

Tuesday, October 18, 2022   /   by Laura Miller Edwards Realty Group

Saving for a Down Payment? Here’s What You Should Know.

As you set out to buy a home, saving for a down payment is likely top of mind. But you may still have questions about the process, including how much to save and where to start.
If that sounds like you, your down payment could be more in reach than you originally thought. Here’s why.
The 20% Down Payment Myth
If you believe you have to put 20% down on a home, you may have based your goal on a common misconception. Freddie Mac explains:
“. . . nearly a third of prospective homebuyers think they need a down payment of 20% or more to buy a home. This myth remains one of the largest perceived barriers to achieving homeownership.”
Unless it’s specified by your loan type or lender, it’s typically not required to put 20% down. According to the latest Profile of Home Buyers and Sellers from the National Association of Realtors (NAR), the median down payment hasn’t been over 20% since 2005. There are even loan ty ...

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  for buyers, first time home buyers, down payments

Keller Williams Realty Signature Partners
Laura Miller Edwards Realtor
3375 Dallas Hwy SW, Ste 100
Marietta, GA 30064
678-388-1400

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