{"id":2634,"date":"2022-09-28T07:30:00","date_gmt":"2022-09-28T07:30:00","guid":{"rendered":"https:\/\/www.khov.com\/blog\/?p=2634"},"modified":"2025-01-15T16:01:53","modified_gmt":"2025-01-15T16:01:53","slug":"why-now-is-the-perfect-time-to-buy-a-home","status":"publish","type":"post","link":"https:\/\/blog.khov.com\/blog\/why-now-is-the-perfect-time-to-buy-a-home\/","title":{"rendered":"Why Now Is the Perfect Time to Buy a Home"},"content":{"rendered":"\n<p>After a few years of record-setting low interest rates and a bustling homebuying market, you may be wondering if you\u2019ve waited too long to <a href=\"https:\/\/www.khov.com\/new-construction-homes\/\" target=\"_blank\" rel=\"noreferrer noopener\">buy a home<\/a> \u2013 or if, on the other hand, you should wait even longer, in case future market conditions prove more favorable for your needs and circumstances. After all, no one likes the idea of missing out on potential savings down the road, should interest rates go down.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2634_6b51ba-27{margin-bottom:-30px;}.kb-row-layout-id2634_6b51ba-27 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2634_6b51ba-27 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2634_6b51ba-27 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id2634_6b51ba-27 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_6b51ba-27 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id2634_6b51ba-27 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_6b51ba-27 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2634_9a7d01-60 > .kt-inside-inner-col,.kadence-column2634_9a7d01-60 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_9a7d01-60 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_9a7d01-60 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_9a7d01-60 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_9a7d01-60 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_9a7d01-60{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_9a7d01-60 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_9a7d01-60 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_9a7d01-60 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p>And while we understand that it\u2019s natural to want to pick your moment, the state of the market when you close on your home might actually matter less than you think.<\/p>\n\n\n\n<p> There are a variety of options out there that can help you adapt your home loan in the future, to ensure that you not only have your ideal mortgage, but that you haven\u2019t had to delay your next chapter, or put off <a href=\"https:\/\/www.khov.com\/blog\/new-home-buying-process\/\">buying a home<\/a> at what could have been the perfect time.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2634_e4a116-45 > .kt-inside-inner-col,.kadence-column2634_e4a116-45 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_e4a116-45 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_e4a116-45 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_e4a116-45 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_e4a116-45 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_e4a116-45{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_e4a116-45 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_e4a116-45 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_e4a116-45 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-uagb-image uagb-block-07911d08 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><img loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/www.khov.com\/blog\/wp-content\/uploads\/2022\/09\/49955_Family-Moving-with-Boxes--1024x655.jpg \" src=\"https:\/\/www.khov.com\/blog\/wp-content\/uploads\/2022\/09\/49955_Family-Moving-with-Boxes--1024x655.jpg\" alt=\"Buying a Home - Why now is the Perfect Time to Buy a Home\" class=\"uag-image-2654\" width=\"1024\" height=\"655\" title=\"\"\/><\/figure><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>1. You can get an adjustable-rate mortgage.<\/strong><\/h2>\n\n\n\n<p>A simple way to benefit from favorable market conditions in the future is to take out a mortgage that adjusts to the market automatically, without any effort on your part \u2013 otherwise known as an adjustable-rate mortgage (ARM).&nbsp;&nbsp;<\/p>\n\n\n\n<p>Unlike a fixed-rate mortgage, in which your interest rates always stay the same, an adjustable-rate mortgage adapts to market conditions after an initial period of fixed-rate payments, often at a below-market interest rate. (This initial period generally ranges from 5-10 years, although it could be as short as a few months). After that, your monthly payments will align with the market, usually adjusting to current interest rates once a year.&nbsp;<\/p>\n\n\n\n<p>ARMs can be a great choice for first-time homebuyers, easing them into the mortgage payment process with lower payments at the start, whatever the state of the market. If you\u2019re expecting a financial windfall, or a higher salary in the future, an ARM will keep payments affordable until you get there \u2013 and if you plan to move or refinance before the initial low-interest period ends, you could pay be paying that same low rate the whole time you&#8217;re in your home.<\/p>\n\n\n\n<p>So if you\u2019re worried about the prospect of locking in your rate now, only to kick yourself as you watch interest rates go down in the future, an ARM can be a great way to avoid missing out on those interest rates, without having to go through the refinance process. Of course, there\u2019s always the possibility that things don\u2019t go as planned, but if you\u2019re comfortable with a certain amount of risk, an ARM could be the perfect choice for you. <\/p>\n\n\n<style>.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col{box-shadow:0px 0px 25px 0px #e5e5e5;}.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col,.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col:before{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col{background-color:var(--global-palette1, #3182CE);}.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_7fe0c3-6a{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_7fe0c3-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_7fe0c3-6a inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id2634_e1a7f8-f0{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:1140px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, calc(10% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(90% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id2634_e1a7f8-f0{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;overflow:clip;isolation:isolate;}.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-layout-overlay{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kb-row-layout-id2634_e1a7f8-f0{background-color:#7ab4ba;}.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-id2634_e1a7f8-f0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_e1a7f8-f0 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-right-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column2634_c41e42-d4 > .kt-inside-inner-col,.kadence-column2634_c41e42-d4 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_c41e42-d4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_c41e42-d4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_c41e42-d4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_c41e42-d4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_c41e42-d4{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_c41e42-d4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_c41e42-d4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_c41e42-d4 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-icon.kt-svg-icons2634_a8cdd5-38{justify-content:flex-end;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons2634_a8cdd5-38 alignnone kb-icon-valign-bottom\"><style>.kt-svg-item-2634_08b159-fa .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-2634_08b159-fa .kb-svg-icon-wrap{color:#ffffff;font-size:50px;}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-2634_08b159-fa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_info-circle\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M256 8C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm0 110c23.196 0 42 18.804 42 42s-18.804 42-42 42-42-18.804-42-42 18.804-42 42-42zm56 254c0 6.627-5.373 12-12 12h-88c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h12v-64h-12c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h64c6.627 0 12 5.373 12 12v100h12c6.627 0 12 5.373 12 12v24z\"\/><\/svg><\/span><\/div>\n<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{display:flex;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{padding-top:20px;padding-right:10px;padding-bottom:0px;padding-left:15px;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col,.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:0px;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2634_9f1ba0-0a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_9f1ba0-0a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{background-color:#f7fafc;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_9f1ba0-0a{position:relative;}.kadence-column2634_9f1ba0-0a, .kt-inside-inner-col > .kadence-column2634_9f1ba0-0a:not(.specificity){margin-top:0px;margin-right:0px;margin-left:0px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2634_9f1ba0-0a{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_9f1ba0-0a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column2634_9f1ba0-0a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_9f1ba0-0a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column2634_9f1ba0-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column2634_9f1ba0-0a {overflow:hidden;}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_9f1ba0-0a inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p>For more information on other mortgage options, including ARMs, see our post on <a href=\"https:\/\/www.khov.com\/blog\/types-of-home-loans\/\">types of home loans<\/a>.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. You\u2019re always free to refinance.<\/strong><\/h2>\n\n\n\n<p>Generally speaking, what is financed can be refinanced. There are a lot of misconceptions about mortgages, one of which is that a 30-year mortgage means a 30-year commitment, and that the terms you agree to when you buy your home are permanent and binding till the end of time. Certainly your home price will stay the same, but the amount you pay from one month to another can be adjusted in a variety of ways, as your personal economic situation, general market conditions, or both change over time.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Refinancing your mortgage is one of the most popular ways to make those kinds of adjustments, by replacing your current mortgage with a new one that\u2019s better suited to your circumstances and needs. And there\u2019s no legal limit on how often you can refinance your mortgage, although some lenders do have waiting periods between mortgage refinances.&nbsp;<\/p>\n\n\n\n<p>Let\u2019s look at some of the basic kinds of mortgage refinances.<\/p>\n\n\n\n<p><\/p>\n\n\n<style>.kadence-column2634_97835c-dc > .kt-inside-inner-col{padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}.kadence-column2634_97835c-dc > .kt-inside-inner-col{box-shadow:0px 0px 25px 0px rgba(0, 0, 0, 0.2);border-left:10px solid #7ab4ba;}.kadence-column2634_97835c-dc > .kt-inside-inner-col,.kadence-column2634_97835c-dc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_97835c-dc > .kt-inside-inner-col{column-gap:0px;}.kadence-column2634_97835c-dc > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_97835c-dc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_97835c-dc > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column2634_97835c-dc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_97835c-dc{text-align:left;}.kadence-column2634_97835c-dc{position:relative;}.kadence-column2634_97835c-dc, .kt-inside-inner-col > .kadence-column2634_97835c-dc:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;}@media all and (max-width: 1024px){.kadence-column2634_97835c-dc > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_97835c-dc > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_97835c-dc kb-section-dir-vertical inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2634_cf924e-75 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2634_cf924e-75 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2634_cf924e-75 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2634_cf924e-75 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_cf924e-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2634_cf924e-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_cf924e-75 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2634_d1666e-8f > .kt-inside-inner-col,.kadence-column2634_d1666e-8f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_d1666e-8f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_d1666e-8f > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_d1666e-8f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_d1666e-8f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_d1666e-8f{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_d1666e-8f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_d1666e-8f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_d1666e-8f inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2634_03e3d9-46, .wp-block-kadence-advancedheading.kt-adv-heading2634_03e3d9-46[data-kb-block=\"kb-adv-heading2634_03e3d9-46\"]{display:block;font-size:22px;font-weight:900;font-style:normal;text-transform:uppercase;letter-spacing:1px;color:#7ab4ba;}.wp-block-kadence-advancedheading.kt-adv-heading2634_03e3d9-46 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2634_03e3d9-46[data-kb-block=\"kb-adv-heading2634_03e3d9-46\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<span class=\"kt-adv-heading2634_03e3d9-46 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2634_03e3d9-46\">Rate-and-terms refinance:<\/span>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p>As the name suggests, this is the kind of refinance where you benefit from changing the rate and\/or terms of your original mortgage. One of the most common reasons for this is lowered interest rates; if you take out a mortgage with 5% interest, and interest rates later drop to 3%, refinancing at a new interest rate could save you thousands per year. You can also lower monthly payments by simply restarting or lengthening your loan term (as you\u2019ll now owe less money overall). Or you could switch between a fixed-rate mortgage and an adjustable-rate mortgage, or between a private lender and a government-backed loan. You could also stop paying <a href=\"https:\/\/www.khov.com\/blog\/private-mortgage-insurance-what-it-is-and-when-you-need-it\/\">private mortgage insurance<\/a> (PMI), depending on what kind of home loan you have and how much you\u2019ve paid off.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n<style>.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{box-shadow:0px 0px 25px 0px rgba(0, 0, 0, 0.2);border-left:10px solid #7ab4ba;}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col,.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{column-gap:0px;}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_2ce4bf-28{text-align:left;}.kadence-column2634_2ce4bf-28{position:relative;}.kadence-column2634_2ce4bf-28, .kt-inside-inner-col > .kadence-column2634_2ce4bf-28:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;}@media all and (max-width: 1024px){.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_2ce4bf-28 > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_2ce4bf-28 kb-section-dir-vertical inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2634_6f38a2-75 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2634_6f38a2-75 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2634_6f38a2-75 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2634_6f38a2-75 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_6f38a2-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2634_6f38a2-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_6f38a2-75 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col,.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_e0b34b-c0{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_e0b34b-c0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_e0b34b-c0 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2634_e31e10-a3, .wp-block-kadence-advancedheading.kt-adv-heading2634_e31e10-a3[data-kb-block=\"kb-adv-heading2634_e31e10-a3\"]{display:block;font-size:22px;font-weight:900;font-style:normal;text-transform:uppercase;letter-spacing:1px;color:#7ab4ba;}.wp-block-kadence-advancedheading.kt-adv-heading2634_e31e10-a3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2634_e31e10-a3[data-kb-block=\"kb-adv-heading2634_e31e10-a3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<span class=\"kt-adv-heading2634_e31e10-a3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2634_e31e10-a3\"><strong>Cash-out refinance:<\/strong> <\/span>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p>A cash-out refinance is a smart way to borrow money, and take advantage of the equity you\u2019ve already been building by making mortgage payments. For example, if you originally take out a $200,000 home loan and have paid $50,000 of it so far, you can take out a new mortgage for the total amount your home is worth, even if you owe less than that. So if your home value has remained stable over time (and remember, it may have increased), you can take out a new $200,000 mortgage, and keep the leftover $50,000. This can be a great way to meet other financial goals, like higher education costs, home renovations, paying off debt, or anything else that requires a new influx of cash.&nbsp;&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n<style>.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{box-shadow:0px 0px 25px 0px rgba(0, 0, 0, 0.2);border-left:10px solid #7ab4ba;}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col,.kadence-column2634_e85b3c-16 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{column-gap:0px;}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column2634_e85b3c-16 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_e85b3c-16{text-align:left;}.kadence-column2634_e85b3c-16{position:relative;}.kadence-column2634_e85b3c-16, .kt-inside-inner-col > .kadence-column2634_e85b3c-16:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;}@media all and (max-width: 1024px){.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_e85b3c-16 > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_e85b3c-16 kb-section-dir-vertical inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2634_cfc3e3-11 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2634_cfc3e3-11 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2634_cfc3e3-11 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2634_cfc3e3-11 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_cfc3e3-11 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2634_cfc3e3-11 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_cfc3e3-11 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2634_6c6164-9a > .kt-inside-inner-col,.kadence-column2634_6c6164-9a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_6c6164-9a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_6c6164-9a > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_6c6164-9a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_6c6164-9a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_6c6164-9a{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_6c6164-9a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_6c6164-9a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_6c6164-9a inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2634_8c3bef-15, .wp-block-kadence-advancedheading.kt-adv-heading2634_8c3bef-15[data-kb-block=\"kb-adv-heading2634_8c3bef-15\"]{display:block;font-size:22px;font-weight:900;font-style:normal;text-transform:uppercase;letter-spacing:1px;color:#7ab4ba;}.wp-block-kadence-advancedheading.kt-adv-heading2634_8c3bef-15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2634_8c3bef-15[data-kb-block=\"kb-adv-heading2634_8c3bef-15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<span class=\"kt-adv-heading2634_8c3bef-15 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2634_8c3bef-15\"><strong><strong>Debt consolidation refinance: <\/strong><\/strong><\/span>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p>Speaking of paying off debt, if you\u2019d rather not have the temptation of cash in your bank account, you can also opt for a debt consolidation refinance, in which the leftover loan funds can go directly towards credit card debt, student loans, or other kinds of debt. This can not only simplify your financial situation by reducing the number of payments you need to keep track of, but can save you serious money if your mortgage interest rates are lower than those on your other debts.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n<style>.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{box-shadow:0px 0px 25px 0px rgba(0, 0, 0, 0.2);border-left:10px solid #7ab4ba;}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col,.kadence-column2634_bb9afa-73 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{column-gap:0px;}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column2634_bb9afa-73 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_bb9afa-73{text-align:left;}.kadence-column2634_bb9afa-73{position:relative;}.kadence-column2634_bb9afa-73, .kt-inside-inner-col > .kadence-column2634_bb9afa-73:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;}@media all and (max-width: 1024px){.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_bb9afa-73 > .kt-inside-inner-col{border-left:10px solid #7ab4ba;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_bb9afa-73 kb-section-dir-vertical inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id2634_ed910f-75 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2634_ed910f-75 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2634_ed910f-75 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id2634_ed910f-75 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_ed910f-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2634_ed910f-75 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_ed910f-75 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2634_d79679-e6 > .kt-inside-inner-col,.kadence-column2634_d79679-e6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_d79679-e6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_d79679-e6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_d79679-e6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_d79679-e6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_d79679-e6{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_d79679-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_d79679-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_d79679-e6 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading2634_6b14d3-2c, .wp-block-kadence-advancedheading.kt-adv-heading2634_6b14d3-2c[data-kb-block=\"kb-adv-heading2634_6b14d3-2c\"]{display:block;font-size:22px;font-weight:900;font-style:normal;text-transform:uppercase;letter-spacing:1px;color:#7ab4ba;}.wp-block-kadence-advancedheading.kt-adv-heading2634_6b14d3-2c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading2634_6b14d3-2c[data-kb-block=\"kb-adv-heading2634_6b14d3-2c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<span class=\"kt-adv-heading2634_6b14d3-2c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading2634_6b14d3-2c\"><strong>Cash-in refinance:<\/strong><\/span>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p>On the other side of the coin, you can opt for a cash-in refinance, where you put more money into your mortgage all at once to lower your total balance. This may speed up your repayment schedule or qualify you for lower interest rates, as your loan-to-value ratio (the amount of your loan compared to the value of your house) goes down \u2013 which lenders generally love to see.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>The process of refinancing your mortgage is largely the same as applying for your original mortgage, which means you\u2019ll already be familiar with <a href=\"https:\/\/www.khov.com\/blog\/6-reasons-why-your-mortgage-approval-could-be-withdrawn\/\">the process<\/a>. That said, they\u2019ll also have a similar set of upfront costs, like appraisals, application fees, and <a href=\"https:\/\/www.khov.com\/blog\/what-are-closing-costs\/\">closing costs<\/a> (though closing costs on mortgage refinances can be lower than first-time mortgages). If that\u2019s starting to sound a little dizzying, there\u2019s a wealth of <a href=\"https:\/\/www.bankrate.com\/mortgages\/refinance-calculator\/\">refinance calculators<\/a> and other online tools that can quickly give you a rough idea of what you\u2019d be likely to save, though it\u2019s best to speak with a financial advisor before making any final decisions. And at the end of the day, it\u2019s important to remember that you\u2019ll always have the option to refinance in the future.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. You have personal reasons for buying.<\/strong><\/h2>\n\n\n\n<p>As convenient as it would be, we all know that we can\u2019t put our lives on hold until the stars align and circumstances are as favorable as they can possibly be. <\/p>\n\n\n<style>.kb-row-layout-id2634_becef6-b1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id2634_becef6-b1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id2634_becef6-b1 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, calc(45% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(55% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id2634_becef6-b1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id2634_becef6-b1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id2634_becef6-b1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id2634_becef6-b1 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column2634_86eb98-b8 > .kt-inside-inner-col,.kadence-column2634_86eb98-b8 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_86eb98-b8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_86eb98-b8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column2634_86eb98-b8 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column2634_86eb98-b8 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_86eb98-b8{position:relative;}@media all and (max-width: 1024px){.kadence-column2634_86eb98-b8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column2634_86eb98-b8 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_86eb98-b8 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p>Financial concerns are certainly important, but they\u2019re just part of the larger picture \u2013 and another part of that picture is <em>your <\/em>reasons for buying a home. <\/p>\n\n\n\n<p> Maybe you\u2019re relocating for your career, downsizing, want your kids to start in a new school district, dream of a backyard so you can finally get a dog, or simply need more space; whatever the reason(s), your personal motivators for being a homeowner don\u2019t go away when the market fluctuates.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{display:flex;}.kadence-column2634_0a3c28-74 > .kt-inside-inner-col,.kadence-column2634_0a3c28-74 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2634_0a3c28-74 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column2634_0a3c28-74{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_0a3c28-74{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2634_0a3c28-74 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column2634_0a3c28-74{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column2634_0a3c28-74{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_0a3c28-74{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column2634_0a3c28-74{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_0a3c28-74{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column2634_0a3c28-74 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column2634_0a3c28-74 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-uagb-image uagb-block-f5b78aa3 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><img loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/www.khov.com\/blog\/wp-content\/uploads\/2022\/09\/61790_Family-Buying-Home-1024x655.jpg \" src=\"https:\/\/www.khov.com\/blog\/wp-content\/uploads\/2022\/09\/61790_Family-Buying-Home-1024x655.jpg\" alt=\"Reasons for Buying a Home - Why Now is the Perfect Time to Buy a Home\" class=\"uag-image-2882\" width=\"588\" height=\"376\" title=\"\"\/><\/figure><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p>And particularly if you\u2019re renting now, there are a number of compelling reasons why <a href=\"https:\/\/www.khov.com\/blog\/6-benefits-of-owning-a-home-you-shouldnt-overlook\/\">owning<\/a> makes more sense than renting \u2013 and not only because rental prices are currently rising at <a href=\"https:\/\/www.npr.org\/2022\/06\/09\/1103919413\/rents-across-u-s-rise-above-2-000-a-month-for-the-first-time-ever\">unprecedented rates<\/a>. Visit our <a href=\"http:\/\/view.ceros.com\/k-hovnanian\/rentvsown\/p\/1\">online brochure<\/a> to learn more on the top reasons to stop renting and start owning.<\/p>\n\n\n\n<p>For anyone considering homeownership, it\u2019s more than understandable to be scanning market headlines and trying to pick your moment. Unfortunately, none of us have a crystal ball that will show us what the market will look like in the future. But what we <em>do <\/em>have is a variety of ways to adapt your home loan to fit your circumstances, whatever they may be, so that you can feel great about becoming a homeowner today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You don&#8217;t have to delay that next chapter in your life or put off buying a home, there are options out there to help you adapt your home loan and ensure you get your ideal mortgage.<\/p>\n","protected":false},"author":2,"featured_media":2654,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[4],"tags":[125,12,23,259],"class_list":["post-2634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying","tag-home-buying-2","tag-home-buying","tag-mortgage","tag-refinancing"],"featured_image_src":"\/blog\/wp-content\/uploads\/2022\/09\/49955_Family-Moving-with-Boxes--1600x1024.jpg","author_info":{"display_name":"K. Hovnanian Homes","author_link":"https:\/\/blog.khov.com\/blog\/author\/khovblog1\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Now Is the Perfect Time to Buy a Home<\/title>\n<meta name=\"description\" content=\"You don&#039;t have to delay that next chapter in your life or put off buying a home, there are options out there to help you adapt your home loan and ensure you get your ideal mortgage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.khov.com\/blog\/why-now-is-the-perfect-time-to-buy-a-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Now Is the Perfect Time to Buy a Home\" \/>\n<meta property=\"og:description\" content=\"You don&#039;t have to delay that next chapter in your life or put off buying a home, there are options out there to help you adapt your home loan and ensure you get your ideal mortgage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.khov.com\/blog\/why-now-is-the-perfect-time-to-buy-a-home\/\" \/>\n<meta property=\"og:site_name\" content=\"The K. 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