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Your home is truly a blessing to you when you are ready for homeownership. What would that look like?

Homeownership is a responsibility and should not be awarded hastily. Why?

Because a bad homeownership that ends up in foreclosure will pretty much leave a very bad taste in your mouth about the whole experience. But when done right, it is one of life's most satisfied experience.

So, how can you enjoy a blissful homeownership?

Have no consumer debts (credit cards, auto loans, school loans, etc.) and you have 3 - 6 months worth of living expenses saved up.

Murphy's Law states that "things will go wrong in any given situation, if you give them a chance". Murphy will move into your home because life happens whether you own your home or not. If you have your budget planned too "positively" with no margins to spare, things break down, cars break down and people get sick. If you had paid off your consumer debts, now you have extras to pad life with when you do not need to make those minimum monthly payments.

It is a choice to make today for a better, well-prepared tomorrow. Consider it very carefully as we prepare ourselves or our clients to a blessed homeownership.

Can you still enjoy your homeownership without those recommendations?

Sure you can. Provided that life is always on your side. And "life" never happens to you. I have seen homeowners budget themselves too tight and an increase in $100/month in property taxes would throw off their monthly budget. Then, they go into a cycle of constantly refinancing for payments to decrease. Every two or three years, they refinance the home back into a 30-year note. These are real and it's happening to homeowners.

Don't be a statistic. Have a blissful homeownership by setting your foot off in the right path. I promise you that you will be glad you did.

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DAILY FIXED MORTGAGE RATES

Mortgage	Rate	APR
FHA 15-Year (1Pt)	4.250%	4.903%
FHA 15-Year (0Pt)	4.500%	4.999%
Conv 15-Year (1Pt)	4.250%	4.549%
Conv 15-Year (0Pt)	4.375%	4.523%
FHA 30-Year (1Pt)	4.875%	5.259%
FHA 30-Year (0Pt)	5.125%	5.421%
Conv 30-Year (1Pt)	4.750%	4.924%
Conv 30-Year (0Pt)	5.000%	5.087%

*Rates subject to change without notice

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