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Author Archives: Hugh Williams

    Rent or Buy: Either Way You’re Paying A Mortgage!

    By Hugh Williams | March 5, 2024

    There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s. As Entrepreneur Magazine, a premier source for small business, explained in... Read More

    Rents Are on The Rise: Don’t Get Caught in The Rental Trap!

    By Hugh Williams | February 29, 2024

    There are many benefits to homeownership, but one of the top benefits is protecting yourself from rising rents by locking in your housing cost for the life of your mortgage. Don’t Become Trapped  A recent article by Apartment List addressed rising rents by stating: “Our national rent index is up 0.1 percent month-over-month, marking the sixth straight month of... Read More

    Affordable Housing in Your Market …

    By Hugh Williams | February 20, 2024

    Lately, there have been many headlines circulating about whether or not there is an “affordability issue forming in the housing market.” If you are considering selling your current house and moving up to the home of your dreams, but are unsure whether or not to believe what you’re seeing in the news, let’s look at... Read More

    Dispelling the Myth About Home Affordability

    By Hugh Williams | February 8, 2024

    We have all seen the headlines that report that buying a home is less affordable today than it was at any other time in the last ten years, and those headlines are accurate. But, have you ever wondered why the headlines don’t say the last 25 years, the last 20 years, or even the last... Read More

    The True Cost of NOT Owning Your Home

    By Hugh Williams | February 4, 2024

    Owning a home has great financial benefits, yet many continue to rent! Today, let’s look at the financial reasons why owning a home of your own has been a part of the American Dream for the entirety of America’s existence. Realtor.com reported that: “Buying remains the more attractive option in the long term – that remains the... Read More

    Are You Spending TOO Much on Rent?

    By Hugh Williams | February 3, 2024

    Chances are if you are renting you are spending too much of your income on your monthly housing expense. There is a long-standing ‘rule’ that a household should not pay more than 28% of their income on their rent or mortgage payment. This percentage allows the household to save money for the future while comfortably covering... Read More

    The Cost of NOT Paying PMI

    By Hugh Williams | February 3, 2024

    Saving for a down payment is often the biggest hurdle for a first-time homebuyer as median incomes, rents, and home prices all vary depending on where you live. There is a common misconception among homebuyers that a 20% down payment is required, and it is this limiting belief that often adds months, and sometimes even... Read More

    3 Things You Need in a Shifting Real Estate Market

    By Hugh Williams | January 24, 2019

    Whether you are thinking of selling your house or buying a home, today’s real estate headlines can be confusing – perhaps even concerning. What is actually happening with mortgage rates? Are home values dropping or are they just rising at a slower pace? What impact will the economy have on the housing market? If you... Read More

    The Importance of Homeownership to the American Dream

    By Hugh Williams | January 23, 2019

    For centuries, people in this country have seen homeownership as part of the American Dream. Whether they were born here or immigrated from another country, they wanted to own a piece of America. With so many prominent societal changes over the last few decades, it is fair to ask if people in America still feel... Read More

    Do You Prefer the Charm of an Existing Home?

    By Hugh Williams | January 22, 2019

    When homebuyers begin their research, they want to see all their available options! In many cases, they will include both new construction and existing homes in their search; but is a new construction home really the house of their dreams? According to a recent survey by Zillow, of the 38% of total buyers that added... Read More