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The True Value of Homeownership

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  The True Value of Homeownership Buying and owning your home can make a big difference in your life by bringing you joy and a sense of belonging. And with June being National Homeownership Month, it’s the perfect time to think about all the benefits homeownership provides.  Of course, there are financial reasons to buy a house, but it’s important to consider the non-financial benefits that make a home more than just where you live. Here are three ways owning your home can give you a sense of accomplishment, happiness, and pride.   You May Feel Happier and More Fulfilled  Owning a home is associated with better mental health and well-being. Gary Acosta, CEO and Co-Founder at the National Association of Hispanic Real Estate Professionals (NAHREP), explains : “Studies have shown the emotional and psychological benefits that homeownership has on a person’s health and self-esteem . . .” Similarly, Habitat for Humanity says : “Residential stability among homeowners is ...
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What You Need To Know About Home Price News

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  What You Need To Know About Home Price News The National Association of Realtors (NAR) will release its latest Existing Home Sales Report tomorrow. The information it contains on home prices may cause some confusion and could even generate some troubling headlines. This all stems from the fact that NAR will report the median sales price, while other home price indices report repeat sales prices . The vast majority of the repeat sales indices show prices are starting to appreciate again. But the median price reported on Thursday may tell a different story.  Here’s why using the median home price as a gauge of what’s happening with home values isn’t ideal right now. According to the Center for Real Estate Studies at Wichita State University : “The median sale price measures the ‘middle’ price of homes that sold, meaning that half of the homes sold for a higher price and half sold for less. While this is a good measure of the typical sale price, it is not very useful...
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How Inflation Affects Mortgage Rates

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  How Inflation Affects Mortgage Rates When you read about the housing market in the news, you might see something about a recent decision made by the  Federal Reserve  (the Fed). But how does this decision affect you and your plans to buy a home? Here's what you need to know. The Fed   is trying hard to reduce  inflation . And even though there’s been 12 straight months where inflation has cooled ( see graph below ), the most recent  data  shows it’s still higher than the Fed’s target of 2%:  While you may have been hoping the Fed would stop their hikes since they’re making progress on their goal of bringing down inflation, they don’t want to stop too soon, and risk inflation climbing back up as a result. Because of this, the Fed decided to increase the Federal Funds Rate again last week. As Jerome Powell, Chairman of the   Fed ,   says : “ We remain committed to bringing inflation back to our 2 percent goal  and to keeping longer-...
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