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Buying a home is one of the most exciting times of your life. It’s likely the biggest purchase you will make, and our experienced mortgage team is excited to be with you every step of the way. Whether it is a townhome, condo or house, consider investing in your living situation. As a property owner, you have the opportunity to make a long-term investment through your home’s equity, which accumulates over time. There has never been a better time to begin your journey as a homeowner in today’s rate environment.
Building wealth and equity: One of the biggest reasons individuals choose to make the leap to home ownership is the opportunity to build wealth through an asset known to appreciate over the years. In fact, home value increases by an average of 5.2% each year.
Fixed monthly rate: While apartment costs may vary from year to year, your mortgage payment will stay the same. However, property taxes may slightly increase every few years based on the estimated increased value of your home.
Control of your living situation: No need to worry about noisy neighbors stomping around when you’re in your own home! Enjoy better control of your living situation when you make the move to home ownership. Plus, you’ll get to enjoy perks like customizing the walls with your choice of paint and not having to worry about putting holes in the walls!
Tax rates favor homeowners: Homeownership comes with its perks, including being a tax shelter. Mortgage interest can be fully deductible on your tax return. Depending on the area you choose to live, other tax rate perks may also be available!
Ability to plant roots: Owning a home allows you to plant roots in your community. Instead of a revolving door of next door neighbors, you’re tied to a more permanent community of neighbors and friends. Neighbors typically connect through HOAs, summer block parties and Nextdoor. An 80-year study by Harvard proves that a sense of community is essential to living a long and healthy life — who doesn’t want that?
Ready to take the first step toward getting your dream home? Apply now to get pre-qualified with Midwest Heritage.
Interested in learning more? Check out our latest blog on understanding the mortgage process.
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