Helping You Achieve
homeownership
Everything you need to buy your first home in the next 12 months
We're Here to Help
Buying your first home (or any home, really) is a big deal and a decision that should be carefully planned. Planning your home purchase can be confusing and overwhelming for two reasons:
- There’s too much information
- There’s not enough information
That may seem strange that there is both too much and not enough information but that’s the reality. There is a ton of information out there but much of it contains half-truths or partial information.
This makes it very difficult, if not impossible, to effectively prepare to buy a home.
That’s why we created Your Way Home.
Your goals and challenges surrounding a home purchase are unique. Without a one-on-one consultation we can not provide individual guidance and advice but we can help you until you’re ready to take that step.
We know mortgages and we know the typical struggles people, like you, have when it comes to preparing for a home purchase – improving your credit score, reducing debt, saving for down payment and identifying how much of a payment you can qualify for & comfortably afford.
Your Way Home provides you with the information and resources to learn more about these areas to help you move in the right direction towards purchasing your first home.
Whenever you’re ready for a free no obligation one-on-one consultation, just let us know.
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
Let's Get to Know One Another
We’re excited to help you on achieving your goal of homeownership.
You are in for a treat as we have a ton of valuable resources to help you buy your first home. Whether you are looking to buy right now, in the next few months or within the next year you’ll have all the information you need to make it possible!
To help us help you we need some to learn more about you and your situation. In shouldn’t take more than a minute…
Credit
Everyone wants the best credit score they can get. It’s the adulting equivalent of getting an A+ on your report card. Makes sense…but sometimes an A+ takes way too much time and effort, especially when a C will get the job done and move you in the right direction towards a bigger goal.
(Oh, and don’t try to cheat…it doesn’t work – in other words don’t dispute a bunch of your accounts to try to boost your score)
Check out the videos below that will explain this in more detail and help you to achieve the credit score that’s best for your situation.
MEMBERS ONLY
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
Debt Reduction
Debt sucks. Paying off debt feels good but can be a challenge. There are a variety of debt reduction strategies out there but there’s one that is perfect when it comes to reducing debt with a home purchase in mind.
Paying off debt may not actually be a good idea, though. Sometimes paying off debt is one of the worst things you can do as you prepare to buy a home due to the impact it may have on your credit score and available assets.
Check out the videos and resources below to help you in determining whether or not paying off debt is the right move for you. And if it is, how to do it in the best way.
MEMBERS ONLY
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
Down Payment
How much money do you need to put down to buy a home? When most people answer this question their response is, 20% down. But that is one of the biggest misconceptions about buying a home.
YOU DO NOT NEED 20% DOWN TO BUY A HOME.
In fact, there are tons of no down payment & low down payment options available. For most, working to save a 20% down payment delays their home purchase by 4+ years. That’s 4 years they could have owned a home of their own and built wealth through homeownership.
Check out these videos that explain how much money you need for a down payment and how to save for both down payment & closing costs when you buy a home.
MEMBERS ONLY
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
Monthly Payment
There are two main considerations for your monthly mortgage payment:
- How high of a payment can you qualify
- What payment you feel you can comfortably pay
Both of these are important to answer so you can make an informed decision. We normally recommend our clients imagine themselves finding the perfect home, with the perfect floor plan, perfect size, and perfect design. If you were to find a home that was that perfect how much would you be willing to pay on a monthly basis? Then bump it up a tiny bit more. 🙂
The goal is not to push you out of what you can pay comfortably but what we have found is that most people underestimate what’s comfortable and what they are willing to pay when talking about a hypothetical “perfect home”. But when they find that perfect home, things change. It’s better to be prepared so you know what’s possible rather than losing out on your perfect home because you weren’t prepared.
Check out these videos which explain how your monthly mortgage payment is structured and how to plan ahead of finding the right home.
MEMBERS ONLY
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
Hacks & Strategies
Everybody loves hacks. Little-known tips & strategies that help you to achieve something with less work or less money.
Throughout our years of helping thousands of buyers, like you, we’ve identified a few hacks that may help you achieve your goal of buying your first home just a little bit quicker.
Check out these videos for all the insider hacks & strategies as you prepare for your home purchase.
MEMBERS ONLY
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
Market Updates
We focus on two primary markets for first time home buyers: Arizona and Colorado.
Every month we review market data and share it with you so you can stay up-to-date on market conditions and decide whether or not now is the right time for you to buy a home.
SEPTEMBER 2022
Metro Phoenix First Time Homebuyer Market Update
2 Bedroom
- 0.4%
SINCE LAST MONTH
- 1.9%
SINCE LAST YEAR
- up 7.4%
Forecast
82.6% of area median price
- 5.6%
SINCE LAST MONTH
- 7.1%
SINCE LAST YEAR
- up 1.2%
Forecast
5% down, 740 credit score, 30 year fixed
- 0.25%
SINCE LAST MONTH
- 3.94%
SINCE LAST YEAR
- down to 6.27%
Forecast
Slightly Cool
Trend
Sources
Information provided for informational purposes and should not be relied upon to make a financial decision.
SEPTEMBER 2022
Metro Denver First Time Homebuyer Market Update
2 Bedroom
- 0.1%
SINCE LAST MONTH
- 3.8%
SINCE LAST YEAR
- up 7.4%
Forecast
82.6% of area median price
- 0.9%
SINCE LAST MONTH
- 9.7%
SINCE LAST YEAR
- up 1.2%
Forecast
5% down, 740 credit score, 30 year fixed
- 0.24%
SINCE LAST MONTH
- 3.94%
SINCE LAST YEAR
- down to 6.27%
Forecast
WARM
Trend
Sources
Information provided for informational purposes and should not be relied upon to make a financial decision.
MEMBERS ONLY
Whenever you're ready for a free no obligation one-on-one consultation, just let us know.
