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The Money-Saving Secrets of the Home Purchase

If you’re tired of throwing rent toward the landlord, you can keep some of that money by putting it toward the principle of your very own home mortgage. Why bother? Here are some of the money-saving secrets that homeowners can enjoy:

Locking in favorable terms with a fixed-rate mortgage. As of this writing, interest rates are at their historical rock-bottom. Receiving a fixed-rate mortgage lets you potentially lock in the most affordable terms we’ve seen.

Get pre-approved for a mortgage to do your research first. Ready to shop around? There’s no pressure. Get pre-approved for a mortgage and find out how much home you can afford—these are essential next steps that convince a home seller that you mean business.

Buy the home you can afford. When you know your total monthly liabilities, your income, and your credit rating, you can easily calculate just how much home you can afford. This will help ensure that you buy a house that remains a long-term blessing and not a strain on your budget.

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The Stats: What You Need to Know Before You Buy a Home

Homeownership is common. In fact, statistics from 2022 show that the homeownership rate was a staggeringly high 65.8%, which means the majority of people have gotten out of the rent cycle and into their own home.

You don’t need experience. First-time home buyers constitute one-third of all home buyers, which means that you don’t have to feel intimidating by the home buying process, even if it’s your first time. It’s far more common to be going through this process for the first time than you might imagine.

The average length of time is low. Have house fever? You’d be surprised how quickly things can move. The average length of time between someone visiting a potential home for purchase and the closing date was only 73 days, or two and a half months.

Are you interested in finding out if a home purchase makes sense for you? Are you ready to join the ranks of homeowners and lock in potentially low rates?

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John is very knowledgeable and works hard to get the best rate for you. Easy going and makes the process easier than any other lender out there. Thank you John for getting our loan closed less than 30 days plus moving the closing date up a week.
- Jaime Alto

I highly recommend Unisave Home Loans. John Caswell is my go-to guy for all home loan needs. They will provide the best deal available and Coach you toward the right solution.
- Chris Broadgate

John is a consummate professional. He took the time to listen to me, to examine my needs, and to find a loan with a lower interest rate and better terms than I'd expected. During the process, he kept closely in touch with me and handled any unexpected development quickly and efficiently. The loan closed ahead of schedule. John was the reason that my refinancing was an extremely smooth process, and I would highly recommend him to anyone who is thinking of buying a home or refinancing an existing mortgage.
- Ron Petrusha

We worked with John Caswell to refinance our home after an extensive remodel. What a fortunate opportunity it was for us to work with John, as he maneuvered us through the maze that is home refinancing. He is very knowledgeable, personable, experienced, and able to work well with homeowners to obtain an excellent refinancing package. We discussed with John our refinancing objectives and did he ever deliver! We obtained an excellent appraisal and a great rate. I have recommended him to family and friends and have nothing but high praise for how he helped us.
- Thomas Salisbury

In the last 25 years I have been through a home purchase or refinance 15 or more times, here in the NW. John is the absolute best. The communication, and follow through is flawless. He and his team made the whole process easy and painless. John is the only broker I would use or recommend.
- Tirzah Speder

John Caswell made the process of buying a home so easy for a first time buyer. He was completely supportive, quick to respond, knowledgeable, informative, patient, easy going and excellent to work with. My realtor commented on how smooth the process was working with John. I will call on him again and highly recommend working with him.
- Susan McNeece

We have worked with John Caswell on a re-fi and also met with him a year later to discuss other related topics. He was wonderful to work with. We would always recommend him for any mortgage needs. He is extremely knowledgeable and just a very likable guy.
- Paula Wisner

I worked with John Caswell to refinance our home, he worked hard and accomplished everything he promised! I’m extremely happy with the result and highly recommend using his services.
- James Higginbotham

I found John to be honest and trust worthy. He is down to earth and doesn't play games. I have recommended his service to my family members and if I need to use his services in the future then he's my go to guy!
- Desiree Dunham

Above and beyond the level of service expected! We closed on a great rate and was approached by another broker for another refi a year later. John stepped in and asked to provide additional services and secured another refi with amazing results without hesitation. He is our family’s broker for life.
- Wil Choi

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What You Need To Know About A Home Purchase

Why should I buy a home rather than rent?

Everyone’s situation is different. However, in the era of low interest rates, a new home purchase can make financial sense for a lot of people. Locking in these low interest rates can mean paying less for more square feet in some cases. That said, every person’s situation is different, and your motivations for buying a home (including the need for more space or privacy) may differ from other people.

How do I start the home buying process?

One of the best ways to show that you’re serious about buying a home is to get pre-approved for a mortgage. This will give you some leeway when it comes to making offers when you view homes. And in some cases, it’s viewed as a necessity when you go out shopping for homes. In many cases, the process is as simple as finding out what you can afford given your current income, levels of debt, and financial obligations. The good news: it’s a lot simpler than you think!

What kinds of financial commitments do I have to make?

There are a lot of options for financing when you make a home purchase, so don’t feel that you have to commit to any particular one at this point. You’ll find that it’s possible to make a 20% downpayment, for example, but there may be types of financing available that require far less—as low as 3%, depending on your situation.

Why is now a good time to buy a home?

While it’s true that rates are up from last year’s historic lows, there are still many reasons why now could be a great time to buy. For one, falling home prices mean that you can get more house for your money. In addition, there is less competition from other buyers, so you may have an easier time negotiating a lower price. Don’t let rising rates scare you off – there are still plenty of reasons to buy the home you’ve always wanted!

What is the next step?

Click through our buttons above to find out whether you qualify for great terms on a new home purchase!

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