31
Dec
By Adrian Willanger
National Holiday, ,

Reflecting on a Great Year and Looking Forward to Helping You In 2025

As we approach the end of another year, I want to take a moment to reflect on the incredible year that has been filled with challenges, successes, and unforgettable milestones, and I’m truly grateful for the opportunity to help so many wonderful clients achieve their real estate goals. Whether you bought your dream home, sold your property for a great price, or began your real estate journey, I’m honored to have been a part of it. As 2024 comes to a close, I’m filled with gratitude for all the trust you’ve placed in me. I’m thrilled that I could help…
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30
Dec
By Adrian Willanger
Financial Reports, ,

What’s Ahead For Mortgage Rates This Week – December 30th, 2024

With Christmas concluding the prior week, there were few reports other than Consumer Confidence, which had come in slightly below expectations. This should prove to have little impact, especially in the following week. With the New Year on the horizon, there are no reports other than the Chicago Manufacturing output report for the entire week. Happy Holidays! Consumer Confidence A post-election pop in consumer confidence fizzled at the end of the year, owing to worries about the U.S. stock market and a potentially higher cost of living as a result of new tariffs. The index of consumer confidence dropped 8.1…
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27
Dec
By Adrian Willanger
Real Estate Tips, ,

Exploring Down Payment Options for Homebuyers

Saving for a down payment is a common hurdle for many homebuyers, but there are several ways to make it happen. Whether you’re tapping into savings, receiving a gift, or utilizing assistance programs, understanding your options can make the journey to homeownership smoother. Common Sources for Down Payments Gifts from Family or Friends Gifts can come from immediate family members, relatives by marriage, legal guardians, or close friends (with proper documentation). Lenders require a gift letter confirming that the money doesn’t need to be repaid. Eligibility rules vary by loan program, so check with your lender. 401(k) Funds Loan Option:…
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26
Dec
By Adrian Willanger
Real Estate Tips, ,

5 Ways Owning a Home Builds Wealth

Owning a home is a milestone that goes beyond providing a roof over your head. It’s one of the most significant ways individuals can build wealth over time. Unlike renting, homeownership offers financial and personal rewards that grow with time and care. Let’s discuss five ways owning a home can help build long-term wealth. 1. Appreciation Over Time Real estate historically appreciates in value. While market fluctuations can happen, home prices generally trend upward over the long term. For example, a home purchased for $250,000 today might be worth significantly more 10-20 years later. This appreciation creates equity, which is…
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25
Dec
By Adrian Willanger
Holidays, ,

Looking Ahead with Gratitude and Hope

As the holiday season surrounds us with its warmth and cheer, we reflect on the incredible connections we’ve made this year. To our valued clients, whether we’ve worked together already or you’re considering partnering with us—thank you for trusting us to be part of your journey. This season is not only a time for celebration but also a moment to appreciate the opportunities ahead. We’re truly grateful for the chance to help you achieve your dreams, whether it's finding the perfect home or planning for a brighter financial future. As we step into the new year, we’re filled with hope…
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24
Dec
By Adrian Willanger
Real Estate, ,

Can I Buy a Duplex with an FHA Loan?

If you're in the market to buy a duplex or similar multi-unit property, you may be wondering whether you can use an FHA loan to finance your purchase. FHA loans are well-known for helping first-time homebuyers, but they can also be used to purchase duplexes. Here's everything you need to know about FHA loans, how they work, and whether they're a good fit for your homebuying plans. What is an FHA Loan?An FHA loan is a mortgage insured by the Federal Housing Administration, designed to make homeownership more accessible. These loans come with lower down payment requirements, making them ideal…
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