El Paso: A Hot Housing Market with Affordable Homes and Well-Paying Jobs

El Paso: A Hot Housing Market with Affordable Homes and Well-Paying Jobs

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El Paso sits in the westernmost section of Texas, and it is across the border of Ciudad Juarez in Mexico. The Rio Grande divides the two busy cities which have economies that rely on each other. Like Austin and Dallas, the city is growing and busy, but it offers a different cultural experience than those two popular Texas locales. El Paso also differentiates itself from other cities in Texas as it has a thriving and growing housing market. 

 

 

Current Housing Market in El Paso

In 2020, many cities have seen housing markets change. But, in El Paso, the market is continuing to flourish, despite issues with the COVID-19 pandemic. This experience differs from other towns around the country, where home sales have become stagnant. In El Paso, some homeowners are finding themselves feeling uncertain about offering their homes for sale. This is because of uncertainties involving the economy due to the pandemic. With the supply down, the demand has gone up for homebuyers. 

 

According to real estate news article from realtor.com, El Paso homes are averaging $188,000 in May 2020. This is a price increase of 4.8% since the same time last year. As many home buyers are looking for homes under $250,000, this price is keeping the El Paso market hot. Interestingly, the supply and demand of homes in El Paso are about the same in 2020 as it was in 2019, proving the pandemic hasn’t had much of an effect on the current market. 

 

One metric has changed in May 2020. Homes in El Paso, Texas remain on the market for an average of 68 days. Compared to April 2020, the average number of days on the market has increased, but it is lower than the average from 2019. 

 

 

 

El Paso Housing Market Trends and Prediction for 2020 – 2021

There are several expectations for the upcoming year in El Paso. The expectation is that the town will continue to be a hot real estate market, much like other cities in Texas. Economists are paying close attention to both the housing market and the economy in the city, especially since both are so closely tied to trade between Mexico and the United States. 

 

The thriving market is due to the affordability of homes. When compared to other economic hotspots in Texas, El Paso has the lowest median prices. The properties are in so much demand that homebuyers get into bidding wars over them. Homeowners then receive top dollar after receiving multiple offers. 

 

 

 

el paso homesReasons to Invest in El Paso

El Paso may not have the same name recognition as Austin, Houston, or Dallas, but many people are finding it a good investment option. Unlike the other large cities in Texas, El Paso still remains affordable. The housing market is 40% lower than the national average, which makes it attractive to investors who are looking for opportunities. They are hoping that when they buy low, they can eventually sell high. 

 

Along with an affordable housing market, there are several areas that also have affordable rental options. This is also attractive to investors who look to own properties for the long haul in an effort to bring in revenue from renters. The hot areas for rental properties include

  • Central
  • Cielo Vista
  • Mesa Hills

 

Even though El Paso has an affordable housing market, there are expensive options, too. These are in the northwestern and eastern parts of the city and its surrounding suburbs. 

 

Another good reason people are making an investment in El Paso is that it offers a strong job market. The trade crossing the river means there are opportunities in government, hospitality, and logistics. There are also opportunities on the rise in healthcare and finance. The unemployment rate is a low 4%. 

 

 

 

How the Overall Economy is Helping El Paso

The economy varies around the country, but there are some trends that are helping move the El Paso housing market. 

 

 

 

Reducing Restrictions on Loan Requirements

Financial institutions have relaxed their requirements for conventional loans. The housing problems of 2008 are a distant memory, so lenders are allowing higher debt levels. They are also allowing new homebuyers to put down less money in the past, especially as monthly rental costs eat up a significant part of many down payments. 

 

 

 

 real estate market in el pasoLow Mortgage Rates

Along with reduced restrictions, mortgage rates have remained low and are expected to stay that way. This gives reluctant homebuyers more reason to get in on the hot market – if they can find a property. Many believe the rates will stay below 4.5% for a while, but no one knows for sure as interest rates are still highly volatile. 

 

 

 

Investors Appreciate the Draw of Rental Properties

As some people are reluctant to invest in a home, investors are all too ready to put their money into rental properties. The newer apartment complexes draw renters by offering family-friendly environments within walking distance. The multi-use offerings include movie theaters, public parks, community gardens, dining opportunities, and more all surrounded by modern apartments. 

 

 

 

Aggressive Millennial Homebuyers

As the number of homes on the market is low, buyers have to be aggressive. It is common for buyers to make offers above the asking price so they can find a home. These aggressive buyers are making it interesting for sellers to list their homes – even with the possible risk of not being able to find something new. Millennials are earning competitive salaries, and many are ready to start families. So, they want homes, at prices under $250,000. 

 

 

 

Stated by credit repair El Paso specialists, El Paso is an affordable housing market with homes in the ideal price range. The thriving economy and welcoming economic trends are making things interesting for buyers and sellers alike in El Paso. With international trade growing between Mexico and the United States, the port in El Paso continues to offer jobs in a variety of industries. Many of the jobs pay well and offer security, like those in the military, government, and logistics industries. 

The Chicago Housing Market Outlook in 2020

The Chicago Housing Market Outlook in 2020

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Chicago is always one of the best places to invest. This trend remains in 2020. Chicago has a diverse economy that makes it one of the wealthiest cities in the world. It’s also the most popular tourist location in the US for both leisure visitors and business travelers. If you’re thinking of buying a home in Chicago, here are the things you should know.

 

 

Chicago Housing Market Outlook 2020

If you’re considering getting in on the Chicago housing market, whether for an investment or to purchase your forever home, you’re making an excellent choice, and the outlook appears excellent. Just a year prior, in 2019, the housing market in Chicago was fairly weak. In terms of growth, the line was flat and showed no real increase. The picture for 2020 is quite the opposite.

 

Chicago is now a warm market for real estate, and it doesn’t look like that will change any time soon. When it comes to supply and demand, there are more real estate buyers than there are sellers. This portends good things for all sectors of real estate, buyers, and sellers included. 

 

When demand is higher than available supply, home prices naturally increase, which initially benefits sellers. However, in January, Zillow reported that 14.5% of Chicago’s listings had a price cut at the beginning of 2020, which could make increased pricing now more along the line of true value. These houses also have greater appreciation when purchased earlier on. After rising slightly since last year, the current trend for median days on the market has flattened out. You can expect homes placed on the Chicago market to only last for 86 days before they sell.

 

 

Chicago Housing Market Predictions for the Rest of 2020

Purchasing a home in Chicago is an excellent investment, whether you’re buying and renting out or purchasing your permanent home. Housing prices are expected to flatten out on a national level, only increasing by 0.8%. This will allow buyers the option of moving and purchasing houses that are within their affordability level. Overall, we can expect to see mid-sized markets benefitting the most from these flattened prices.

 

Though the 0.8% increase is expected, the last quarter saw a higher appreciation rate for Chicago to the tune of 1.29%. This bump would correlate to an annual upward adjustment forecast of 5% to 6%. So while prices nationwide might be lower, Chicago still appears to be appreciating at a faster rate, though not so fast that buyers cannot benefit.

 

Chicago is still a strong renter’s market and will continue to trend positive for rental properties. More than 50% of Chicago’s residents rent, making the option to purchase real estate for use as a rental property a strong move. Despite recent population loss, Chicago still ranks as the most populated city in the Midwest with three million people in Chicago proper, and another ten million in the surrounding metro area.

 

When considering home prices and purchase timing, forecasts are assuming a 3.2% rise by the end of the next twelve months. If you want to purchase a home, it now appears to be the best time.

 

credit in chicago

 

What Credit Score Do You Need to Buy a Home in Chicago?

As a general rule, the higher your credit score, the better chances you have to purchase the home of your dreams. The lower your score, the harder time you’ll have to convince a home mortgage lender of your qualifications to obtain the loan. Generally, the minimum credit score you need to purchase a house is around 620. Though you can find some lenders who are willing to work with lower credit down as far as 580.

 

 

Loan Options by Credit Score for Buying a House

The options you have for obtaining a home loan depend almost solely on your credit score. Here are the typical options you can expect for varying credit score ranges.

 

300-499: At this score, you have few to no options for obtaining a home loan. If you can obtain a loan, the interest rate will almost certainly be prohibitively high, resulting in an interest payment totaling more than 20% of your total home cost.

 

500-579: Here, there are several poor credit score mortgage programs you can obtain loans through. Options are slim, however, so you won’t get your choice of interest rates or payment options.

 

580-619: At this point, you can take advantage of a few low down payment programs. Interest rates will still be higher than you might have a budget for, so consider the interest rate before you sign on the dotted line for your mortgage.

 

620-699: There are several government-backed programs, as well as some conventional options available at this score range.

 

700-739: This is when you can start to take advantage of good credit score mortgage programs. At this point, you’ll be able to obtain better interest rates that will benefit your budget in the long run.

 

740 and above: Here, you’ll have your pick of lending options and will obtain the best interest rates the industry has to offer.

 

 

 

Common Mortgage Types in Chicago, IL

There are several types of mortgage options to consider when purchasing a home.

 

Conventional Mortgage: This is a mortgage offered through a private home loan lender, or Fannie Mae or Freddie Mac

 

credit score chicagoFHA Loans: This is a loan insured by the Federal Housing Administration. These loans allow down payments of only 3.5% for credit scores beginning at 580. Borrowers likely will be required to pay mortgage insurance to protect the lender against default.

 

VA Loans: Available to veterans, these loans offer no down payments and are federally guaranteed.

 

USDA Loans: These loans require no down payment and are available for low to moderate-income homebuyers. With a USDA loan, you can finance 100% of your home’s purchase price.

 

Illinois Housing Development Authority: If you already reside in Illinois, the IHDA loan program will help assist with up to 4% of your home’s purchase price, up to $6,000, and a 30-year fixed-rate mortgage with reasonable interest.

 

 

Chicago: A Great Place to Invest

Stated by a credit repair Chicago specialist, if you are interested in buying a home in Chicago, start by preparing your credit score. Shoot for a score as high as possible, then determine which options you have when applying for your mortgage. With its diverse economy and affordable homes, Chicago is an excellent place to live and invest.

 

Current Housing Market in New York City

Current Housing Market in New York City

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New York City is an expensive housing market. However, this is one of the most progressive cities around the world, and numerous circumstances point to it being a relatively good time to be a buyer in the New York City housing market. Due to the mid-March news of the COVID-19 breakout, especially, home prices are on the decline.

 

New York City Housing Market 2020

The New York City housing market has experienced quite a turbulent year thus far. The first quarter of 2020 looked to be incredibly competitive for home shopping, benefiting both buyers and sellers. However, once the Covid-19 outbreak hit NYC in March, the housing market plummeted to all-time lows. 

Based on statistics from Streeteasy.com, they saw 73% fewer new listings placed on the website from March 15 through March 29 than just the two weeks prior. Buyer activity also slowed dramatically. During the same period, 58% fewer homes entered into contract compared to the first two weeks of March. Even rentals fell 52% during the Covid-19 outbreak. Rent prices didn’t change, and, in fact, 20% fewer landlords offered discounted rental rates for new contracts.

 

New York City Housing Market Prediction for the Rest of the Year

What do all these numbers mean for the rest of 2020? Good news for buyers! If you’re looking to purchase a home in NYC during 2020, now is absolutely the time to get in. According to Zillow’s index, you can expect the median home price in NYC to be lower – a lot lower. In 2015, the median housing price was $652,728. Today, it’s at $509,000. That’s a 28.24% drop in median housing prices. Over the past year, houses decreased by 0.8% across all homes on the market. If you want to buy, get in now. Prices are expected to bounce back and increase by 3% over the next twelve months. 

 

Buying a House in NYC: What Credit Score Do You Need?

When you’re getting started in the home buying process, the first thing you’ll need to address is your credit score. A home loan or mortgage lenders use your credit score as the primary way to determine how much of a loan they will give you and at what interest rate. If your score is high enough, you’ll have your pick of loan options and premium interest rates. A score that is too low, however, will give you only limited options and interest rates that might even be prohibitive to purchasing a house at all.

A score of 740 or higher is ideal and considered to be “excellent” credit. Scores of 700 to 740 are still in a beneficial zone, with most loan options available. Once your score dips below 700, however, you’ll find that fewer loan options are available, and your interest rates will start to increase.

Another factor of your credit that lenders will examine is how much credit you have and how you use it. Do you have credit cards? Student loans? Car loans? It’s fine to have all of these – as long as you’re paying them off each month. Twelve-month payment history is beneficial to prove reliability.

buying home in new york city

What Credit Score Do You Need to Rent in NYC? 

If you’re only looking to rent, instead of buy, you won’t need as high of a score to qualify. Landlords and apartment managers will look for a minimum of “fair” credit scores. The better your score, the more likely they are to approve your application. If you have a particularly high score, you’ll be aided in negotiations if you want to ask for a better price. Higher scores tell landlords that they won’t have any trouble with you paying your rent regularly and on time.

If you want a number average, most NYC landlords look for a credit score in the range of 650-700 at a minimum. Those with 680 are rarely turned away.

 

Common Mortgage Types

Now that you know what scoring range to shoot for, you can look at loan types and determine which ones you qualify for. Here are the four most commonly available mortgages.

 

Conventional Mortgage

A conventional mortgage is a home loan offered by a bank or other standard loan institution. They will be looking for higher credit scores to approve due to the risk they take on when offering a loan. The better your score, the more likely they are to approve you for a loan. Higher scores receive the lowest interest rates, as well.

 

FHA Loans

The Federal Housing Authority offers home loans to qualifying home buyers with a credit score of 580 and higher. They also allow minimal down payments, starting at 3.5%. The only downside to these loans is that buyers will need to pay mortgage insurance. Mortgage insurance protects lenders in case of a default, and payments are made for the life of the loan.

 

VA Loans

If you’re a service member, you can qualify for a VA loan. These home loans offer a $0 down payment and allow you to finance the total price of your home. If you need to refinance a current mortgage, you can also use a VA loan for refinancing purposes. These can only be used when purchasing your primary residence. So if you’re thinking of buying a vacation home, you’ll need to apply through a different avenue.

 

USDA Loans

These loans are available to those with a credit score of at least 640 and are low-interest with zero down payment required. These are specifically designed for low-income Americans who lack high enough credit to qualify for conventional mortgages. If you apply for this loan, you are required to purchase a home in a designated coverage area that is suburban or rural.

 

New York City: A Thriving Place to Live

New York City is an expensive city to live in, but that doesn’t mean that it won’t be worth it. NYC is a thriving place to live and work that rewards its residents with a fast-paced and satisfying life. Stated by a credit repair NYC specialist, if you’re planning to buy a home in NYC, figure out what credit score you need, then go forth and apply for those home loans.

The Houston Housing Market in 2020 and How Your Credit Score Affects Home Loans

The Houston Housing Market in 2020 and How Your Credit Score Affects Home Loans

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Houston is the fourth largest city in the U.S and the biggest city in Texas, with a population of 2.3 million people. Houston is one of the top markets in the nation for real estate investing with its diversified economy and a huge demand for housing. In 2019, the housing market Houston ended strong, and now that we’re in 2020, it continues to perform well.

 

 

Current Housing Market in Houston

COVID-19 has caused disruption in every sector, from real estate to farming and everything in between. Not only individual health has been compromised, but business health has been affected, as well. During the last week of March, the housing market also saw a small downturn compared to the rest of March’s performance. 

 

However, there is good news for the housing market. Even though COVID-19 interrupted the regular stream of sales, Houston sales were over 11% ahead of March 2019 levels. That is excellent year-on-year growth. Given the fact that we’re dealing with sales figures during a pandemic, these numbers are very encouraging. 

 

Why are we seeing such impressive growth during a pandemic? The federal government has lowered interest rates to the point where they are now at all-time lows. As a result, mortgage rates are also at an all-time low, and consumers are taking advantage of this fact. 

 

So, what are the numbers we’re seeing? March numbers, according to the Update from Houston Association of Realtors, recorded 7,566 single-family homes sold in 2020 compared to 6,995 in 2019. In total, that is an 8.2% increase and nine consecutive positive months for house sales.

 

Stated by credit repair Houston analyst, the most purchased homes fall in the single-family category with a price range of $500,000 to $750,000 for March. Single-family homes in the range of $250,000 to $500,000 came next. Families that leased single-family homes also increased during March.

 

Median pricing for single-family homes rose 4.1% to $249,900, and average home prices rose 3.8% to $309,785. When it comes to home sales in March, these numbers represent the highest prices ever recorded. 

 

Total sales for all property types equaled 8,965 for March, representing a 6.9% increase from March 2019. The total dollar amount for home sales rose 11% year-on-year to just over $2.6 billion.

 

houston housing

 

Houston Housing Market Predictions for 2020

Prospective homebuyers face competition when looking to purchase low to mid-range houses for the rest of 2020. Homes priced between $150,000 to $200,000 are already in low supply, and we’re only a few months into the year. 

 

On the upside, low-interest rates will likely remain in place for the foreseeable future. With the economic downturn due to COVID-19 and falling oil prices, Houston’s economy is facing a slowdown with the rest of the nation. However, falling interest rates and strong year-on-year growth are reasons to remain positive regarding the long-term outlook of moving to Houston.

 

 

How Does Your Credit Score Affect Loan Options and What Scores Do You Need?

When you’re looking to purchase a house, you’ll need to shop around for a mortgage. The most critical factor in getting the best mortgage rate possible from lenders is your credit score. As a rule, the higher your credit score, the better interest rates you’ll qualify for. According to David Lin, a former risk management director for Barclays and Citibank, if you have a credit score of 700 or above, you’ll be able to land a beneficial interest rate.

 

With scores above 720, you fall into the category of “excellent” rated credit, and you’ll have access to the best possible interest rates. A score that falls in the range of 690 to 719 is considered “good,” and at this range, you’ll still qualify for beneficial rates, though some lenders will be warier. Once you dip below 690, your options will become more limited, and if your score is around 640 or lower, a conventional mortgage might not be possible to obtain. 

 

 

How to Improve Your Credit Score

If you have a credit score that needs improvement, there is good news! With time and dedication, all credit scores can be improved. So what can you do to see your score improve by ten, twenty, thirty, or one hundred points? 

 

Here are five ways to improve your credit score:

 

On-time Payment

Whether you have auto loans, credit card payments, or school bills, pay each installment on time. Lapsing at all will significantly damage your credit score. If you’ve already lapsed on one or more bills, get back on track as soon as possible. Paying your loans on time is the single most significant thing you can do to improve your credit score. 

 

Cap Your Spending

Set a spending limit of no more than 30% of your total credit limit. For example, if you have a credit limit of $3,000 combined from your credit cards, plan to put no more than $900 total on your credit cards.

credit score for home

Pay Off Balances

If you have cards that have high balances, pay them down or transfer your balance to free up credit. Paying off balances will improve your credit score significantly.

 

Find a Mortgage within 30 Days

When you apply for mortgages, lending companies will run your credit score. Each time this happens, your score will dip slightly. Finding your mortgage within thirty days will ensure that your interest rate isn’t impacted by credit checks.

 

Get Help

Sometimes the best thing you can do is work with a credit repair company to help improve your score. Companies can help you utilize strategies that are ideal for your specific situation.

 

 

Buy in Houston

Houston is one of the top markets for real estate. Acquiring a home in this area has lots of advantages, such as the low-interest rates for mortgages and a diverse economy in the city. Should you want to buy a house in Houston, achieving a high credit score is essential to get the lowest interest rate. We hope this article has given you an idea for improving your credit score to have a higher chance of getting the house that you want.

First-Time Homebuyers in Dallas: Average Credit Score & Tips for Budgeting

First-Time Homebuyers in Dallas: Average Credit Score & Tips for Budgeting

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Thinking about becoming a first-time homebuyer in Dallas? Congratulations! The decision to buy your first home is both exciting and overwhelming, especially when you start thinking about the financial impact it’s going to have on your life. 

 

You want to make sure that you’re in the best financial position possible so that when you approach mortgage and financing companies, you walk in with confidence. 

 

According to credit repair Dallas experts, if you’re looking to purchase your first home in Dallas, here is the credit score that you’ll need and additional tips to help you gain that financial confidence before heading to the bank.

 

Dallas Housing Market for First-Time Homebuyers

Average Home Prices in Dallas

The average pricing of single-family homes in Dallas is currently $385,000. As home values go up, the average price follows. Just in the past year, there has been a 3% increase in home prices, with a continued rise predicted by another 4.5% by September 2020. 

 

One of the primary reasons for the rising costs is because Dallas is becoming a major hub for large companies. As one of the leaders in the United States for employment and population growth, Dallas has a booming housing market that’s steadily growing year over year, with no end in sight. 

 

In fact, homes in the Dallas area are forecasting an 11.4% appreciation in just 3 years! 

 

If you’re eyeing Dallas for your first home purchase, you’d be better positioned to get in on it now rather than waiting. 

 

Credit Score Needed to Buy a Home in Dallas

Getting approved for a home loan or mortgage is one of the most daunting aspects of going through the first-time homebuyer process. One of the main factors that any bank will look at is your credit score.

 

For Texas homebuyers, the average credit score for first-timers is 671. But that doesn’t mean you can’t get a home loan with a rating under that. The minimum score depends on the type of loan that you’re requesting and lender guidelines. 

 

However:

You should also consider that the higher your credit score is, the better interest rate you’ll possibly get for your loan.

 

Conventional home loans are typically given through a private bank or financial institution. These loans usually have the highest credit score requirements, especially if you’re putting less than a 20% down payment. The minimum credit score for conventional loans is 620.credit score for house dallas

 

FHA or other government loans (USDA, VA, etc.) provide an alternative path for first-time homebuyers that can’t meet the stringent conventional home loan requirements. 

 

These lenders are often willing to take on riskier financial situations because they’re typically backed by mortgage insurance, as well as federal funding. While each situation is unique, you’ll want at least a 580 to qualify for a loan through one of these programs.

 

Getting in on the Dallas housing market can be tough, but with a tight financial situation, you’ll be well-positioned to get the home of your dreams!

 

Tips to Budget for Your First Home

As a way to help you get your finances in order, here is some of the best advice we have to get you ready for taking the homeowning journey!

 

Pre-Shop Early

What you want in a home is going to dictate the price you’re going to pay. If you know you’d like to buy a home in the next few years, start trying to figure out what your target location would be. Go to open houses, get a feel for different areas of the city, and decide what’s important to you. 

 

By checking out what you like and what you don’t like, you’ll be able to narrow down your requirements. For example, how important is the location? How big of a home do you want? Are there particular features that are important to you, like a garage or backyard?

 

Once you have an idea of what you’re actually looking for, you’ll have a greater understanding of how much you’re looking at spending and what you need to save for a downpayment. 

 

With a target number in mind, you’ll know what the goal is.

Figure Out Your Household Net Income

You have a goal amount for your downpayment, but where is that money going to come from? What you need to do to figure that out is understand how much money you actually have each month after taxes. 

 

Check your pay stub or use an online income calculator, and figure out how much money you get in your paycheck each month after taxes. 

 

Once you have that number figured out, you can then calculate your monthly household expenses, like bills, utilities, groceries, insurance, to see what you’re “disposable” income is. This is the sum of money you have to take a portion of towards saving that downpayment.

first time homebuyer budgeting

Know Where to Cut Back

Once you understand how much money you have each month, after your bills, you should be able to see where exactly your money goes. Are there areas where you are overspending, and can easily cut back? 

 

Think about things like how often you eat out or go shopping, and where you can cut those expenses back. Are there subscriptions that you really don’t use much, that you could live without? 

 

Remember, the end result you’re after is homeownership. The more you can make adjustments to your budget, the more you can put towards getting to your goal. The more you can build up your savings fund or pay down outstanding credit cards and loans, the quicker you’ll get there!

 

Pay Off Your Debt

Unless you plan on saving the entire sales price of a home before buying, you’re going to need a mortgage. And, with a mortgage application comes a credit check, so you’ll want to make sure your score is as high as possible.

 

Paying off outstanding debt improves your credit score immensely, and you should work on getting yours down not only for mortgage approval but for the best interest rate you can get. 

 

Many financial professionals suggest starting by paying off the debt with the highest interest rate first. This strategy will save you money in the long run because you won’t be paying interest as long. 

 

However, if this really isn’t feasible for you right now, a good rule of thumb is to pay off your debt on time and try to pay slightly more than the minimum payment. 

 

Even if this is all you can do, you’ll have all current accounts and a history of on-time payments at more than a minimum. These factors will play into a creditor’s evaluation of your finances.

 

If your credit score is significantly below the minimum, and you’re struggling with figuring out how to pay off your debts, consider hiring a credit repair company. They have the expertise and knowledge to put together a personalized plan to help you get out of debt, straighten out your credit score, and achieve your goal of homeownership in Dallas!

 

Buying your first home is a significant life change – both personally and financially. Ensure you’re making the best financial decision possible by planning ahead to understand what you’re getting yourself into. 

 

Understand your current finances and create an actionable budget to squirrel away that downpayment, and consider hiring a credit repair company to help you get there quicker. With just a few steps, your dream of owning your first home is within reach!

 

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