Despite its deep cultural roots, homeownership in the U.S. isn’t as widespread as you might think. Currently, only about 65% of Americans own their homes—a figure that places the United States 54th globally in homeownership rates.

What’s even more surprising is that this percentage hasn’t budged much over the last 50 years. While the early 2000s showed promise, with slight increases in homeownership, the 2008 financial crisis wiped out those gains. It wasn’t just percentages that fell; the crisis obliterated wealth for millions of families and shattered trust in homeownership as a stable path to prosperity.

Welcome to the gateway of homeownership! This tax season, consider transforming your tax refund into the key to your new home. Whether it's bolstering your down payment, covering closing costs, or enhancing your mortgage application, your refund can be the boost you need to transition from renter to homeowner.

Explore the possibilities that your tax refund offers in making a tangible, long-lasting investment. With strategic planning and wise financial choices, you can leverage this annual windfall to not only secure a place of your own but also to invest in your future financial stability and growth. Join us in discovering how a simple refund can pave the way to your dream home.

If you’ve been dreaming of homeownership but hesitating to jump in because rates seem too high, you’re not alone. It’s a common concern, and on the surface, it makes sense. Why pay more if there’s a chance rates might drop? But here’s the thing: waiting for rates to come down could cost you more in the long run — both financially and emotionally. Let’s dig into why now might be the perfect time to buy, despite interest rates being where they’re at.

Today’s housing market is cash-heavy. So, how do you stay competitive when shopping with a mortgage? Well, we’ve put together some helpful tips to help make you stand out when making an offer on the home of your dreams.

Doesn’t matter if you’re doing a 20% down conventional, or a 3.5% FHA with down payment assistance, these tips have a proven track record of helping buyers win the bidding game.

What’s better, renting or buying? There isn’t a simple answer, but there are some key things to consider as you’re making your decision.

Okay, it’s not just millennials. I’m biased towards “my people” on this one. However, I am going to stand my ground on the idea that millennials, gen z and whatever they call the ones coming up behind them are in more danger of financial instability than any generation since the great depression. I would also argue that our position is made worse by the fact that we can clearly see what’s coming.