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Are you feeling paralyzed by the current real estate market? You’re in the same boat as many homeowners and potential buyers.
You might be sitting on a low interest rate, hesitant to sell or refinance. Perhaps you’ve found your dream home but haven’t sold your current one yet. Some buyers are ready to move forward but haven’t saved enough for a down payment. And for the self-employed, it’s common to worry that tax returns don’t reflect your true income.
If you’re in one of these situations, you’re not out of options. We recently spoke with Matt Steinmetz from Envoy Mortgage to explain five solutions that can help you move forward even in today’s market. Here are a few worth considering:
1. Home Equity Line of Credit (HELOC). Tap into your home’s equity when you need cash. A HELOC can be especially helpful for seniors on a fixed income or parents who want to help their kids purchase a home.
2. Reverse Mortgages. For seniors, this option can provide a steady lifeline by giving access to cash without monthly payments.
3. Buy Before You Sell Programs. If you’ve found the right home but haven’t sold your current one, these programs let you purchase first, so the transition feels less stressful.
4. Down Payment Assistance. If you haven’t saved enough for that down payment, there are programs designed to help you get over that hurdle.
5. Alternative Income Verification for Self-Employed. Self-employed buyers don’t always have tax returns that tell the full story. These programs offer more flexible ways to qualify and prove income.
Why does this matter now? High interest rates and tighter budgets have left many people feeling stuck. But with the right guidance, you don’t have to put your life on hold. The right program can give you the flexibility to buy, sell, or refinance even when the market feels challenging.
If you’re interested to learn more about these options, you can contact Matt Steinmetz at (925) 478-2040 or msteinmetz@envoymortgage.com.
As always, if you need some help with buying, selling, or investing in real estate, our lines are open. Contact us at (209) 834-2680 or at ron@homebuyersrealty.com or homefinder@homebuyersrealty.com. There may be more paths forward than you realize, and the first step is finding the one that fits your goals.
