Wondering who the 2023 first-time homebuyer is? According to recent studies and industry data: Millennials and Gen Z: These generations are taking the lead in first-time home purchases, with their housing preferences and priorities shaping the market. Tech-Savvy: They embrace digital tools and online resources for property searches, mortgage applications, and virtual tours. Financially Savvy: Today's first-time buyers are diligent savers, often with a solid understanding of mortgage rates, credit scores, and loan options. Urban Dwellers: Many are drawn to city living but also value space, convenience, and sustainability in their home choices. Student Loan Holders: Managing student debt is a common challenge, influencing their financial decisions and home affordability strategies. Source: National Association of Realtors Are you a first-time homebuyer? Share your experiences and questions in the comments below! 🏠🔍 #FirstTimeHomebuyer #2023Trends #RealEstateInsights

Common Missteps Buyers Make When Choosing a Mortgage

By Christi Milroy • October 30, 2025
Buying a home is one of the most significant financial decisions most people will ever make. Yet, many buyers rush through the mortgage process, focusing on getting approved rather than fully understanding their options. As a mortgage professional, I see it often—borrowers end up with loans that don’t truly fit their needs, leading to higher costs, unnecessary stress, or even long-term financial strain.

Exploring Mortgage and Financing Options for Home Buyers

By Christi Milroy • October 14, 2025
Buying a home is one of the biggest financial moves you’ll ever make — and how you choose to finance it can make all the difference. Mortgages aren’t one-size-fits-all. The right loan depends on your budget, credit, long-term goals, and even where you plan to buy.  Whether you’re a first-time buyer or upgrading to your next home, understanding your financing options can help you make a confident and informed decision. Here’s an overview of some of the most common mortgage types and what they mean for you.

How to Handle Low Appraisals as a Buyer or Seller

By Christi Milroy • September 24, 2025
When buying or selling a home, one of the key factors in finalizing a deal is appraisal. A home appraisal is an unbiased estimate of the property's value, conducted by a professional appraiser.
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