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Your Friendly Guide to Purchasing a Home
Talk to UsReasons Why Homeownership Is a Good Financial Investment
Taking the leap into homeownership can be daunting when you’re used to renting. From house hunting to making an offer to gathering pertinent paperwork, it’s a much more complex process than signing a lease agreement. While quicker financial approval and less responsibility make renting attractive, the numbers suggest becoming a homeowner could be better for your overall financial picture. According to a 2022 Rental Affordability Report, owning a median-priced, three-bedroom home is more affordable than renting a three-bedroom property in 666, or 58%, of the 1,154 counties analyzed for the report.
✓ Building equity over time
✓ Keeping monthly payments stable
✓ Tax advantages
✓ Pride in ownership
✓ Sense of community
“Owning a home is one of the most common ways households build long-term wealth, as it acts like a forced savings account. Instead of paying your landlord, you can pay yourself in the long run through your mortgage on a house.”
RALPH MCLAUGHLIN
TRULIA'S CHIEF ECONOMIST
Reasons to Buy a Home Now
Home Price Appreciation
Forecasts predict a small but positive year-over-year growth for the remaining 2022 housing market. Locking in a home this year could still save you a substantial amount over time.
Competitive Interest Rates
Rest assured in having some of the most competitive rates in the market to put you in the best financial situation in any market
Equity Ownership
Your mortgage payment allows you to build equity ownership interest in your home. Many consider paying down their house as a forced savings plan, which could be extremely useful when you're ready to retire.
Tax Benefits
Homeowners are able to deduct the interest on their mortgage, property taxes, and other costs involved with owning a home. That's something a renter cannot leverage.
Freedom
Owning a home shields you from rent increases, many pet restrictions and most parameters on how you can decorate. You have the freedom to make many improvements that suit your taste and lifestyle. loanDepot offers a variety of home renovation loans to make your dream come to
In their words
“To say that I have been working with Cristan Beltran for a few years now, and Cristian always goes above and beyond, an understatement! Beltran literally goes into detail on every single question any buyer has about a loan. The process is always truly simplified with him. He walks buyers through everything with patience and professionalism. Buyers are always happy with his services and talk about doing future business with him as they know that he will get them to their desired goal and will work with them every step along the way, as home buyers. Rules and regulations are changing, and Cristian is always on top of everything. He is well prepared to answer any questions. Cristian has the knowledge and knows exactly what clients need and always has their best interest in mind.”
“Highly recommend Cristian Beltran and his team at loanDepot for their dedication and exceptional service. They genuinely invest time in understanding their clients unique needs and are always readily available to answer questions. If you’re looking for a reliable mortgage lender, rest assured you’re in good hands as they will go above and beyond to meet your needs.”
“I cannot express enough how impressed I am with the exceptional service Cristian provides to my clients. As a real estate broker, it is crucial to have a loan officer who knows his job and who guide home buyers with the correct programs. Having Cristian as my prefer lender is paramount in negotiating and getting my client's offers accepted. Cristian has extensive experience, at the same time is very professional and most importantly very responsive.”