Are your dreams of owning a home overshadowed by fear—fear of not qualifying for a loan – fear of not having a sufficient down payment, or fear you’ll be house-poor once you purchase the home? If you allow your fears to run wild, you could think of a gazillion reasons to be afraid of home ownership, but none of them would be valid. The truth of the matter is with the right guidance, tools, and resources you CAN become a homeowner and keep your shoe-shopping fund in the process.
No matter the source of your fears, rest assured, owning a home is not out of your reach. By the time you’ve read this article, your fears will be gone—you will feel empowered, inspired, and absolutely fearless as you prepare for your first home purchase. Now, are you ready to kick your fears and anxiety to the curb?
The Pride and Joys of Home Ownership
Buying a home is the most significant and emotional purchase you will ever make. Getting those keys at closing gives you a sense of pride, accomplishment, and belonging. Imagine coming home to your private garage—not having to compete for parking on the street—planting your favorite flowers or vegetables in your backyard, painting your walls without concern of the color choices, and grooming your lawn to perfection—many of the simple joys that are absent when you’re renting.
Of course, owning a home is so much more than those simple yet meaningful joys. Think about the memories that you and your family will create together in your new home. The many ‘firsts’ that you’ll reminisce for years to come. The cooking traditions and celebrations that you’ll pass down to your children—the neighbors who become friends—the community that embraces your children as their own. These and others are the life-enriching benefits that silence all fears of owning a home.
Face Your Fears?
You can’t conquer what you don’t confront. If you’re like most, your fears and anxieties hinge on money and creditworthiness. Suggestion—instead of assuming you can’t afford a home, sit down with a financial expert who can help you take a close look at your expenses and income to measure your financial stability and help you determine how much house you can afford or the budgetary steps to take to position yourself for future homeownership.
At HLS, we advocate ‘house smart,’ not house poor. We want you to purchase a home that you can afford and one that brings you years of enjoyment. If you’re struggling to make the payment, you won’t enjoy your home and will have defeated the purpose of home ownership, which is to enrich your life and that of your loved ones.
We Can Help YOU!
For over 15 years, our team of mortgage professionals has created home loan solutions for Southern Californians—helping thousands of families like yours realize their dreams of owning their first home.
You can kiss your fears goodbye and say hello to a lifetime of memories, laughter, love, and celebrations in your new home. Whether you’re ready to purchase today or you need some additional time, we hope we’ve inspired you to give your family the gift of stability and a safe and loving place to call home—their home.
Remember, you can’t conquer what you don’t confront, but you don’t have to face those fears alone. Our friendly staff is eager to provide the right resources to help you begin your exciting journey.