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🏡💡 Wondering about Home Financing? Let’s dive in! 💡🏡

Hey there, future homeowners! Got burning questions about financing your dream home? I’ve got your back! Here are some nifty tips to help you sail through the financial seas of home buying and ownership. 🚀

🔍 Question: How much should I stash away for a down payment?
💡 Answer: Aim for around 20% if you can swing it to dodge PMI, but don’t fret if you’re short on cash—many loans accept as little as 3-5% down.

📊 Question: What credit score is needed to unlock the doors to my dream home?
💡 Answer: Shoot for a score of 620 or higher, though some loan programs are pretty flexible!

⏳ Question: 15 or 30 years? What’s the mortgage magic number?
💡 Answer: A 15-year mortgage boasts lower interest rates but packs a punch with higher monthly payments. Opting for a 30-year mortgage? Lower monthly payments, but prepare for more interest over time.

💰 Question: What are these infamous closing costs, and how much do they sting?
💡 Answer: Closing costs cover everything from loan processing to title insurance, usually adding up to 2-5% of the loan amount.

🔄 Question: Fixed or adjustable-rate mortgage? Decisions, decisions…
💡 Answer: Fixed-rate mortgages offer sweet stability in payments, while adjustable-rates might kick off lower but can shake things up down the line. It’s all about your financial game plan and how long you plan to cozy up in your new digs.

👀 Found these tips helpful? Dive deeper into the world of real estate with more nuggets of wisdom! Don’t forget to hit that SUBSCRIBE button for your regular dose of real estate insights. Share this reel with your pals and save it for future reference! 🌟

Curious about any of these topics? Feel free DM me for a friendly chat! Let’s make your home dreams a reality together. 🏠✨

Cameron Ek
CalDRE 01526529
NMLS 1683822
Affinity Financial Group, Inc.
CalDRE 01887581
AffinityFinancialGroupInc.com
‪@AffinityFinancialGroupInc‬

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