Thinking About Buying a Home? Here’s What Matters Right Now
If you’ve been waiting to buy a home, you’re not alone. Here’s a simple breakdown of what’s happening in the market and what actually matters right now.
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How Much Do You Really Need for a Down Payment in 2026?
A common misconception in real estate is the necessity of a 20% down payment to buy a home. In 2026, many flexible loan options are available, allowing buyers to qualify for down payments as low as 3%. Understanding these options can expedite homeownership and build equity sooner, so waiting isn’t necessary.
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How Mortgage Pre-Approval Really Works (And Why It Matters)
Mortgage pre-approval is a crucial first step for serious homebuyers, providing financial clarity and a competitive edge. Unlike pre-qualification, it involves a comprehensive review of personal finances, ensuring buyers are truly ready to purchase. A strong pre-approval assures sellers of financial stability, reducing transaction risks and enhancing offer credibility.
