Jeff Hovey - UHM

Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play a direct role in that equation. When rates move higher, buying power can shift even if home prices stay the same. That’s why timing, strategy, and exploring different loan options can make a meaningful difference in your home search. Even in changing rate environments, there are often ways to structure a loan that still fits your goals and budget. Reach out to me and I can help you figure out what makes the most sense for your situation.

FAQ Friday: How do interest rates impact my homebuying power? Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play a direct role in that equation. When rates move higher, buying power can shift even if home prices stay the same. That’s why timing, strategy, and exploring different loan option...

FAQ Friday: Should I choose a fixed rate or adjustable-rate mortgage (ARM)? Choosing the right mortgage isn’t just about today’s interest rate – it’s about your plans and comfort level. Fixed-rate loans offer predictable payments and long-term stability, while ARMs often start with lower rates that can be beneficial for buyers who plan to move or refinance before ad...

Good news for homebuyers! 🏠 The government has reopened, and loan programs are up and running again — let’s get your home financing moving forward!

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