Entries by Jennifer Graves

The Truth About the 20% Down Payment in Home Buying

For many first-time homebuyers, misinformation about the homebuying process can create unnecessary hurdles. Common misconceptions include the belief that only cash offers are competitive, that high interest rates make homeownership impossible, and most notably, that putting 20% down is a requirement to purchase a home. While this traditional benchmark has its benefits, it is not […]

How to Build a Custom Home on a Budget Without Sacrificing Quality

Building a custom home might seem out of reach if you’re working with a tight budget, but with careful planning and prioritization, you can create a beautiful, quality home that meets your needs. “Custom” doesn’t always have to mean expensive. By focusing on smart decisions and thoughtful design, it’s possible to build your dream home […]

Mortgage Rates Decline, Affordability Still a Challenge

Mortgage rates are expected to decline slightly in 2025, offering a glimmer of hope for prospective buyers amid the ongoing housing affordability crisis in the U.S. According to Realtor.com’s latest housing forecast, the average 30-year fixed-rate mortgage will hover around 6.3% for most of the year and end slightly lower at 6.2%. While this marks […]