ARE YOU STILL RENTING? Maybe it’s time to ask yourself WHY. You pay the rent every month. You pay the utilities. You furnish the apartment. You take care of the place. And when the year is over? You still don’t own a thing. Maybe you’ve been telling yourself: “I can’t afford to buy a house.” “Interest rates are too high.” “I’ll buy when rates come down.” “I’ll save some more money first.” We understand. But here’s something worth thinking about… What if you don’t need a $300, 000 house to become a homeowner? What if your first home could simply be a good, honest little house that you can afford? Take a look at this. $128, 000 2 BEDROOMS • 1 BATH • APPROX. 900 SQ. FT. A charming 1910 home with the character and feel that newer apartments simply can’t duplicate. And right now, the seller is offering: $5, 000 TOWARD YOUR CLOSING COSTS Yes, interest rates are around 7%. We’re not pretending otherwise. But here’s the question: If you’re already paying $1, 000+ every month for a two-bedroom apartment, shouldn’t you at least find out what it would take to own your own home? For illustration, a 30-year mortgage at 7% on $123, 000 is approximately $818 per month in principal and interest. Your actual payment will depend on your down payment, taxes, insurance, loan program and other costs. But unlike rent, part of your mortgage payment can go toward building equity in something you own. And someday? THE HOUSE IS YOURS. Not your landlord’s. YOURS. You don’t have to wait until interest rates are perfect. You don’t have to buy your forever home. You don’t have to start with something fancy. YOU JUST HAVE TO START. This little house could be your first step. Your first mortgage. Your first set of house keys. Your first piece of real estate. And perhaps, years from now, you’ll look back and be glad you stopped renting and finally took the plunge. $128, 000 2 BR • 1 BA • ~900 SQ. FT. • 1910 SELLER WILL PAY $5, 000 TOWARD BUYER’S CLOSING COSTS. Don’t decide you can’t afford it before you find out. CALL. ASK. RUN THE NUMBERS. You may be closer to owning than you think.