{"id":22230,"date":"2023-05-16T11:22:17","date_gmt":"2023-05-16T11:22:17","guid":{"rendered":"https:\/\/www.anthonydidonato.net\/wordpress\/?p=22230"},"modified":"2023-05-16T11:22:18","modified_gmt":"2023-05-16T11:22:18","slug":"mortgage-products-that-help-buyers-save","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/mortgage-products-that-help-buyers-save\/","title":{"rendered":"Mortgage Products That Help Buyers Save"},"content":{"rendered":"\n

Cash-strapped clients need guidance on choosing a loan that meets their needs. Know the different types they\u2019ll likely be interested in.<\/p>\n\n\n\n

Real estate pros need to stop focusing on higher interest rates and return to the basics of business\u2014and brokers need to help steer that ship, Peter West, broker-partner of Bishop West Real Estate in Venice, Fla., said Monday at the Idea Exchange Council for Brokers Forum during the 2023 REALTORS\u00ae Legislative Meetings(link is external)<\/a> in Washington, D.C. \u201cWe\u2019re living in the past, and sure, if you\u2019ve only sold real estate for two to four years, then yes, this feels like a catastrophe,\u201d he said. \u201cBut that\u2019s not the case.\u201d<\/p>\n\n\n\n

He noted that ultra-low interest rates during the Great Recession and the years that followed won\u2019t be coming back\u2014nor should they. The fact that low- and no-interest mortgages existed for so long distorted perceptions both on the consumer side and on the professional side, and that\u2019s made it difficult for newer agents, West added.<\/p>\n\n\n\n

The reality, however, is that most consumers are going with the flow, and brokers should take note, pass the word along and make sure their agents are educated on how to guide their clients in the right direction. That means getting familiar and more comfortable with mortgage products and incentives.<\/p>\n\n\n\n

\u201cRecently, on a house in Massachusetts, I had 20 offers. Nineteen of those offers were financed,\u201d West said. Financing, he reiterated, is not going anywhere, and though cash offers might have reigned from 2020 through 2022, financing makes homeownership a reality for most buyers.<\/p>\n\n\n\n

Inventory poses the biggest threat to the real estate business, West said. In Sarasota County, Fla., where West is based, the market only has two months of inventory. In Massachusetts, where he used to operate full-time, only 1.5 months of inventory is currently available.<\/p>\n\n\n\n

Loan Products<\/h2>\n\n\n\n

Getting people into homes in a timely manner means understanding the various mortgage options and incentives available. Now is the time to refamiliarize agents with products like FHA, USDA and VA loans. It\u2019s important to know that FHA loans aren\u2019t just for first-time home buyers, USDA loans often have a zero-percent interest rate and VA loans work for anyone who has served in the military\u2014whether they\u2019re active duty, retired or discharged\u2014so long as they weren\u2019t AWOL or discharged dishonorably.<\/p>\n\n\n\n

These loan products open up the market to a wider audience, letting more home buyers into the fold. They\u2019ve also been the norm for decades, West said. So, brokers should make sure they and their agents understand and are willing to work with these products.<\/p>\n\n\n\n

Adjustable-Rate Mortgages<\/h2>\n\n\n\n

These loans were thought to be a thing of the past when mortgage rates were at their lowest. Few borrowers were willing to risk their mortgage rate going up when rates had hit bottom to begin with. But that has since changed: In a market where rates are on the rise, adjustable-rate mortgages offer a solution for those who are experiencing barriers to entry in the housing market.<\/p>\n\n\n\n

Mortgage Interest Deductions<\/h2>\n\n\n\n

This once-popular tax incentive is about to make a comeback\u2014and so might your calculator, West says. There was a point in time when agents and brokers were regularly helping clients figure out what their mortgage interest deductions would amount to come tax time. No need to actually break out a calculator nowadays, though, since Bankrate.com will help you calculate these figures(link is external)<\/a> with your client.<\/p>\n\n\n\n

Interest Rate Buydowns<\/h2>\n\n\n\n

Temporarily lowering the interest rate through a buydown is another way to save clients money. So, brokers should be learning about this option and educating their agents. It\u2019s important to remember that \u201cAmerica buys on payments,\u201d West said, adding that real estate pros should be talking to their clients in terms of the monthly payments they\u2019ll be making. Despite higher interest rates and home prices, if your clients can afford the monthly payment, they\u2019re likely not too concerned about the interest rate, he said. For that reason, the real estate industry should stop demonizing interest rates and talk more about the various ways clients can manage a mortgage payment.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Image by 5688709<\/a> from Pixabay<\/a><\/p>\n\n\n\n

\u00a9National Association of REALTORS\u00ae
Reprinted with permission<\/p>\n","protected":false},"excerpt":{"rendered":"

Cash-strapped clients need guidance on choosing a loan that meets their needs. Know the different types they\u2019ll likely be interested in. Real estate pros need to stop focusing on higher interest rates and return to the basics of business\u2014and brokers need to help steer that ship, Peter West, broker-partner of Bishop West Real Estate in … <\/p>\n

Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-22230","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"\nMortgage Products That Help Buyers Save - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.anthonydidonato.net\/wordpress\/mortgage-products-that-help-buyers-save\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/mortgage-products-that-help-buyers-save\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/mortgage-products-that-help-buyers-save\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"headline\":\"Mortgage Products That Help Buyers Save\",\"datePublished\":\"2023-05-16T11:22:17+00:00\",\"dateModified\":\"2023-05-16T11:22:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/mortgage-products-that-help-buyers-save\\\/\"},\"wordCount\":714,\"publisher\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"image\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/mortgage-products-that-help-buyers-save\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/man-2425121_1280-1024x682.jpg\",\"keywords\":[\"Anthony DiDonato\",\"News\",\"Real Estate\",\"tips\"],\"articleSection\":[\"News\",\"Real Estate Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/mortgage-products-that-help-buyers-save\\\/\",\"url\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/mortgage-products-that-help-buyers-save\\\/\",\"name\":\"Mortgage Products That Help Buyers Save - 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