Conventional loan limits are increasing for 2025. Here’s what that means 👉 The conforming loan limit is the maximum loan amount that can still qualify for a conventional loan. For most of the U.S., that number will rise to $806,500 in 2025, a 5.2% increase from 2024. But in high-cost areas like New York City, California, and Hawaii, the limit is even higher—up to $1,209,750. Some regions land somewhere in between (hello, Boulder County, CO, at $862,500!). Why does this matter? • Conforming loans often come with lower interest rates and easier approval processes. • Anything above these limits? That’s considered a jumbo loan, which usually means stricter qualifications and higher rates. The more you know 💫

I came across a new neighborhood being built, and while the design isn’t groundbreaking, it’s definitely different for our area. Six patio homes are clustered around a shared courtyard, making the most of the land. It’s efficient, but it does mean trading some privacy for perks like top schools and a central location. What’s interesting is these homes aren’t necessarily cheaper than others nearby.

The last week before closing can feel like a whirlwind, but stay focused! Double-check wiring instructions directly with your title company or closing attorney to avoid any fraud. Expect a final Closing Disclosure (CD)—review it with your loan officer to ensure everything is spot on. And after the keys are in your hand? Change the locks for peace of mind and added security. Better safe than sorry!

The moment you become a homeowner, the mail starts flooding in. 📬 Most of it? Junk offers and clickbait. But here’s the thing: mixed in with the clutter, there might be something important about your loan or property. So open everything, but read with a skeptical eye. 🧐 Companies know you're a homeowner because it's public record, and they’ll try to grab your attention. Stay sharp—don’t miss the real info in the pile!

This market isn’t crazy—it’s officially unhinged. At this point, we’re just here for the ride, right?

Some days, I catch myself wondering if all the effort I’m putting in will ever be worth it. It’s easy to doubt when things move so slowly. But I’ve learned that sometimes, everything falls into place all at once. It’s like one moment changes everything

Don’t like where you live? You’re not alone. Here are some of the most popular states for people to move to if they don’t like their own. #relocation #moving #newhome #realestate

Did you know you can buy a home for your elderly parents or grandparents with a lower down payment and better rates than a typical investment property? The Family Opportunity Mortgage is designed to help families provide safe, comfortable housing for their loved ones without the high costs associated with traditional loans. This special program allows you to secure financing for a second home without needing to treat it as an investment property. If you're looking for a way to help your parents or grandparents live more comfortably, this could be a great option. Let’s chat about how the Family Opportunity Mortgage could work for your family!

When I bought my first home, I thought I had all the time in the world. But when the right house showed up, I felt like I had to rush every decision. Looking back, I wish I’d started earlier. By preparing ahead—saving more, getting pre-approved, and understanding the market—I would’ve avoided a lot of stress. Plus, starting early means you can lock in better rates and even save money in the long run. Buying a home should feel exciting, not overwhelming. Are you ready to plan ahead and make the process easier on yourself? Let’s chat about your options!

Are you tired of pouring money into dorms or off-campus rent for your college student? What if, instead of paying for someone else’s property, you could invest in a home for them? Buying a house not only gives your child a more comfortable place to live, but it can also help you build equity—and maybe even bring in extra income by renting out a room or two. It’s a practical way to make the most of the money you’re already spending. Curious about how real estate could work for your family? Let’s chat and explore the possibilities!

The market is shifting in some areas, and homes are staying on the market longer. With less competition, buyers have more time and leverage to negotiate better deals. I’ve seen buyers ask for repairs and even use seller credits to lower mortgage rates. This slower market is giving buyers more control. If you’ve been waiting, now might be the time. Get pre-approved, stay alert, and be ready to act when the right property comes along. Let me know if you have questions—I’m here to help.

Thinking about building your dream home? Proper planning is key to making the process smooth and stress-free. From selecting the right lot to finalizing your design and securing financing, every step requires careful coordination. Taking the time to plan ensures you’ll stay on budget and avoid unexpected delays. Building a home can be a rewarding journey with the right preparation. Ready to map out the process and make your dream a reality? Let’s chat about how to get started!

Did you know you can still buy a home after filing for bankruptcy? Depending on the type of bankruptcy, you could qualify for a mortgage as soon as 1 to 4 years afterward. Lenders will look for evidence of steady income and improved credit during that time, showing you’re ready for a fresh start. Bankruptcy doesn’t have to be the end of your homeownership dreams—it’s just a delay.

Does buying a home mean draining your savings? It doesn’t have to. Many believe they need to empty their savings to cover a down payment and closing costs, but there’s a better way. Programs like the Chenoa Fund help qualified buyers cover upfront costs, so you can keep more money in your emergency fund. This means you’re not only securing your dream home but also protecting your financial future against the unexpected. Curious how it works? Drop a comment or visit Chenoa’s site for more info!