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Una encuesta prevé que las tasas hipotecarias alcancen el 10% dentro de 3 años, un salto significativo. Los hogares esperan ↑ al 8,7% en las tasas hipotecarias en 2025 y ↑ al 9,7% en 2026.

Review the contract carefully to ensure you are getting the agreed-upon interest rate and understand any lender fees. Be aware of your prepayment privilege and any prepayment penalties associated with paying off your mortgage early.

FHA appraisal determines home value and checks for safety issues. It's required for FHA loans to ensure property meets standards.

Cost of Living: $47,000 annually Disposable Income: $13,000 annually Average Salary: $60,000 annually Income Taxes: $3,000 annually Average Monthly Housing Costs: $1,600 Median Home Prices: $280,000 Rental Costs: $1,300/month Mortgage Payments: $1,900/month

Typically, 5-6% of the home's sale price is split between buyer's and seller's agents. Traditionally, the seller pays both agents from the sale proceeds, not out-of-pocket for the buyer.

There are special government-backed loans, like VA loans and USDA loans, that require no down payment. You can leverage first-time homebuyer programs that offer grants or low-interest loans to cover the down payment.

The Fed plans just one interest rate cut this year, down from an earlier forecast of three. Inflation has moved closer to the Fed's 2% target but remains elevated.