Have you been hearing too many conflicting opinions about the housing market? Or maybe you’ve seen one too many memes about how millennials “can’t afford a home?” If so, you’re not alone…but me and my expert team are here to guide you!

You may have heard about the recent rate drop, but the fact is, rates are always changing. Combine that with the knowledge that everyone’s financial situations vary, and you can very quickly feel confused and overwhelmed about what you should do. Yet, there’s no reason to feel like this when you have a mortgage expert on your side.

Situations like these are exactly why I always encourage clients to reach out to us for loan estimates that are specific to the many factors that are unique to different buyers. It’s always my goal to educate and send our buyers in with a full understanding of their payments and the different options that they have when shopping for a home.

For example, you likely didn’t know that we have a 3-2-1 Buydown program where the seller and buyer agree to fund an account that will subsidize a rate reduction of 3% of the interest rate for the first 12 months, a 2% rate reduction for the following 12 months, and a 1% rate reduction for the following 12 months.



This (or another program) may be exactly what you need to get into your new home! Don’t believe me? Just check out some of our recent reviews before you get in touch with us to learn more.

Liz Peter Mortgage Team

Luminate Home Loans