Mortgage rates just jumped to 7.40% nationally—up from 6.27% a year ago. Remember, that’s an average; your personal rate can be lower with solid credit, a bigger down payment, or a different loan product. I’m walking my buyers through the numbers so they know what’s realistic and where they can still save. #MortgageRates #HomeBuyingTips #FirstTimeBuyer #InterestRateWatch

Zero tax when: Sale price equal the building value. Standard dwelling. Residential building max 4 floors.

Over 20% of first‑time buyers leaned on family or friends – it’s more common than you think. Most people aren’t debt‑free or perfect on paper when they close on their first home; they just work with what they have. If you’re worried your finances aren’t spotless, you’re not alone. #FirstTimeBuyer #FamilySupport #HomeBuyingReality #CreditJourney

Thinking of buying your first home? Here are 10 clear signs you’re ready to buy your first property, from stable income to savings.

Do you need a high income to buy a house in Cebu? Not necessarily. Here’s how budgeting, Pag-IBIG, and financing make ownership possible.

Roger Owens Realtor S.179116's Post Roger Owens Realtor S.179116 about a minute ago 1m · Spring might feel like the safe bet, but a solid agent will already have a plan for inspection surprises, low appraisals, or a competing offer. If they just say “we’ll cross that bridge later,” you know they’re not ready for the real work. Ask the tough questions now and see if they’ve got your back. #HomeBuying #RealtorAdvice #FirstTimeBuyer #RealEstateTips Like Comment See more from Roger Owens Realtor S.179116 Email or phone number Password Log In Forgot password? or Create new account

Before you start scrolling through listings, have a quick chat with a lender. Knowing your budget and loan options turns guesswork into a clear plan. When you know the numbers, you can focus on the houses that actually work for you. #FirstTimeBuyer #MortgageAdvice #HomeBuyingTips