[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fa17lf9if0s56":3,"$ffeh0925h8cuz":39,"$fbwk2pqjjqsc7":43},{"item":4,"previous":27,"next":33},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":13,"bodyImage":14,"isInfographic":15,"categories":16,"isVideo":15,"videoThumbnail":9,"videoSource":9,"publishedAt":25,"updatedAt":26},1559,"how-trusted-professionals-make-homebuying-easier-to-understand","How Trusted Professionals Make Homebuying Easier to Understand","In the spring, many excited buyers get ready to enter the housing market. Others continue dreaming about the homes they’d like to buy. The truth is, many potential buyers continue to dream longer than they need to, simply because they’re confused about the homebuying process. Thankfully, working with a trusted real estate professional can help ease those concerns and make the process to homeownership much easier to understand.","","blog","https:\u002F\u002Ffiles.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2020\u002F02\u002F15110635\u002F20200218-KCM-Share.jpg","In the spring, many excited buyers get ready to enter the housing market. Others continue dreaming about the homes they’d like to buy. The truth is, many potential buyers continue to dream longer than they need to, simply because they’re confused about the homebuying process. Thankfully, working with a trusted real estate professional can help ease those concerns and make the process to homeownership much easier to understand.\u003C!--more-->\r\n\r\nA recent \u003Ca href=\"http:\u002F\u002Fwww.freddiemac.com\u002Ffmac-resources\u002Fresearch\u002Fpdf\u002Fgen_z_consumer_research.pdf\">survey\u003C\u002Fa> conducted by \u003Cem>Ipson and Freddie Mac\u003C\u002Fem> reveals the confidence level of Gen Z and Millennial buyers regarding the homebuying process. The graph below shows the breakdown of the top results, clearly indicating there’s a significant portion of younger buyers who are not yet confident with some of the steps in the homebuying process.\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2020\u002F02\u002F20200218-MEM-Eng-1.jpg\">\u003Cimg class=\"aligncenter wp-image-41776\" src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2020\u002F02\u002F20200218-MEM-Eng-1.jpg\" alt=\"How Trusted Professionals Make Homebuying Easier to Understand | Simplifying The Market\" width=\"650\" height=\"366\" \u002F>\u003C\u002Fa>Between the \u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002F2019\u002F03\u002F29\u002F10-steps-to-buying-a-home-infographic\u002F\">\u003Cstrong>homebuying\u003C\u002Fstrong>\u003C\u002Fa>\u003Cstrong> process\u003C\u002Fstrong> and the \u003Cstrong>mortgage process\u003C\u002Fstrong>, there are \u003Ca href=\"https:\u002F\u002Fwww.flkeysboardofrealtors.com\u002Fwp-content\u002Fuploads\u002F2014\u002F12\u002FThe_Critical_Role_of_the_REA_2.pdf\">230\u003C\u002Fa> possible steps in the transaction. With trusted professionals on your side, you certainly don’t have to know them all to have a successful experience.\r\n\r\nThere are many reasons why these steps can change as you move through each one. Depending on your personal circumstances, the term or your mortgage, and the type of loan you use, the path you take may need to vary. That’s why guidance and support from the experts is key.\r\n\r\nIn addition to the process itself, respondents in the survey definitely expressed concerns about understanding the \u003Cstrong>types of loans available\u003C\u002Fstrong>. Here are just a few of the basic loans to consider. Be sure to speak with your lender about the specifics of what will work best for you:\r\n\u003Cul>\r\n \t\u003Cli>\u003Cstrong>FHA: \u003C\u002Fstrong>Loans guaranteed by the \u003Ca href=\"https:\u002F\u002Fwww.hud.gov\u002Fbuying\u002Floans\">\u003Cem>Federal Housing Administration\u003C\u002Fem>\u003C\u002Fa> for first-time buyers. They generally enable qualified borrowers to enter the housing market with a lower down payment.\u003C\u002Fli>\r\n \t\u003Cli>\u003Cstrong>Conventional:\u003C\u002Fstrong> Loans that usually require a larger \u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002F2019\u002F08\u002F06\u002Fhow-much-do-you-know-about-down-payments\u002F\">down payment\u003C\u002Fa>. Repeat buyers usually use these types of loans since they have an established credit history as well as more money from the sale of their previous home (called equity) for a bigger down payment.\u003C\u002Fli>\r\n \t\u003Cli>\u003Cstrong>VA:\u003C\u002Fstrong> \u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002F2019\u002F11\u002F11\u002F75-years-of-va-home-loan-benefits\u002F\">Loans\u003C\u002Fa> available for Veterans of the U.S. Armed Forces and their spouses. They are guaranteed by the \u003Ca href=\"https:\u002F\u002Fwww.benefits.va.gov\u002Fhomeloans\u002F\">\u003Cem>Department of Veteran Affairs\u003C\u002Fem>\u003C\u002Fa>.\u003C\u002Fli>\r\n \t\u003Cli>\u003Cstrong>USDA:\u003C\u002Fstrong> Loans for those living in rural and suburban areas. A qualified lender can issue a USDA home loan, and they are guaranteed by the \u003Ca href=\"https:\u002F\u002Feligibility.sc.egov.usda.gov\u002Feligibility\u002FwelcomeAction.do\">\u003Cem>United States Department of Agriculture\u003C\u002Fem>\u003C\u002Fa>\u003Cem> (USDA)\u003C\u002Fem>.\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\u003Cstrong>Interest rates\u003C\u002Fstrong> also popped up as a common area of confusion among Gen Z and Millennial respondents in the survey. With today’s rates hovering at near historic lows, it’s a fantastic time for buyers to get more house for their money in the current market. Why? When mortgage rates are this low and wages are increasing as they are today, overall \u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002F2020\u002F01\u002F15\u002Fhomes-are-more-affordable-today-not-less-affordable\u002F\">affordability\u003C\u002Fa> increases, enabling home buyers to stretch their mortgage dollars further. It’s just another area where a trusted professional can help simplify the process and give guidance along the way.\r\n\u003Ch3>\u003Cstrong>Bottom Line \u003C\u002Fstrong>\u003C\u002Fh3>\r\nThere are many possible steps in a real estate transaction, but they don’t have to be confusing. To understand your best course of action, let’s get together today to ensure you have a trusted advisor who will help you feel confident and informed at every turn."," \r\nThere are many possible steps in a real estate transaction, but they don’t have to be confusing. To understand your best course of action, let’s get together today to ensure you have a trusted advisor who will help you feel confident and informed at every turn.","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2020\u002F02\u002F20200218-MEM-Eng-1.jpg",false,[17,21],{"id":18,"name":19,"slug":20},5,"For Buyers","buyers",{"id":22,"name":23,"slug":24},11,"First-Time Buyers","first-time-buyers","2020-02-18T10:00:28Z","2020-02-18T11:00:28Z",{"id":28,"slug":29,"title":30,"featuredImage":31,"publishedAt":32,"contentType":10,"isVideo":15},1558,"the-overlooked-financial-advantages-of-homeownership","The Overlooked Financial Advantages of Homeownership","https:\u002F\u002Ffiles.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2020\u002F02\u002F13092134\u002F20200217-KCM-Share.jpg","2020-02-17T10:00:23Z",{"id":34,"slug":35,"title":36,"featuredImage":37,"publishedAt":38,"contentType":10,"isVideo":15},1560,"the-many-benefits-of-aging-in-a-community","The Many Benefits of Aging in a Community","https:\u002F\u002Ffiles.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2020\u002F02\u002F18144056\u002F20200219-KCM-Share.jpg","2020-02-19T10:00:04Z",{"cover":40,"open":41,"shareSpread":42},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Cover-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Spread-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Magazine-original.png",[44,48,49,53,57,61,65,66,70,74,78,82,86,90,94,98,102,106,110,114,118,122,126,130,134,138,142,146,150,154],{"id":45,"name":46,"slug":47},1,"Uncategorized","uncategorized",{"id":18,"name":19,"slug":20},{"id":50,"name":51,"slug":52},6,"For Sellers","sellers",{"id":54,"name":55,"slug":56},7,"Foreclosures","foreclosures",{"id":58,"name":59,"slug":60},8,"Infographics","infographics",{"id":62,"name":63,"slug":64},9,"Home Prices","home-prices",{"id":22,"name":23,"slug":24},{"id":67,"name":68,"slug":69},34,"Senior Market","senior-market",{"id":71,"name":72,"slug":73},35,"Mortgage Rates","mortgage-rates",{"id":75,"name":76,"slug":77},38,"Move-Up","move-up",{"id":79,"name":80,"slug":81},41,"For Sale by Owner","for-sale-by-owner",{"id":83,"name":84,"slug":85},42,"Featured","featured",{"id":87,"name":88,"slug":89},45,"New Construction","new-construction",{"id":91,"name":92,"slug":93},52,"Luxury \u002F Vacation","luxury--vacation",{"id":95,"name":96,"slug":97},53,"Rent vs. Buy","rent-vs-buy",{"id":99,"name":100,"slug":101},80,"Time-sensitive","time-sensitive",{"id":103,"name":104,"slug":105},81,"Outdated","outdated",{"id":107,"name":108,"slug":109},147,"Internal","internal",{"id":111,"name":112,"slug":113},148,"Do Not Autopost","do-not-autopost",{"id":115,"name":116,"slug":117},320,"Inventory","inventory",{"id":119,"name":120,"slug":121},321,"Agent Value","agent-value",{"id":123,"name":124,"slug":125},322,"Affordability","affordability",{"id":127,"name":128,"slug":129},323,"Buying Tips","buying-tips",{"id":131,"name":132,"slug":133},324,"Downsize","downsize",{"id":135,"name":136,"slug":137},325,"Economy","economy",{"id":139,"name":140,"slug":141},326,"Equity","equity",{"id":143,"name":144,"slug":145},327,"Forecasts","forecasts",{"id":147,"name":148,"slug":149},328,"Selling Tips","selling-tips",{"id":151,"name":152,"slug":153},339,"Expired\u002FWithdrawn\u002FCanceled","expiredwithdrawncanceled",{"id":155,"name":156,"slug":157},340,"Price It Right\u002FOverpricing","price-it-rightoverpricing"]