{"id":3064,"date":"2020-07-07T05:00:01","date_gmt":"2020-07-07T10:00:01","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/taking-advantage-of-homebuying-affordability-in-todays-market\/"},"modified":"2020-07-07T05:00:01","modified_gmt":"2020-07-07T10:00:01","slug":"taking-advantage-of-homebuying-affordability-in-todays-market","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/taking-advantage-of-homebuying-affordability-in-todays-market\/","title":{"rendered":"Taking Advantage of Homebuying Affordability in Today\u2019s Market"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/07\/06162208\/20200707-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Taking Advantage of Homebuying Affordability in Today\u2019s Market | Simplifying The Market\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Everyone is ready to buy a home at a different time in their lives, and a health crisis or not, today is no exception. Understanding how affordability works and the main market factors that impact it may help those who are ready to buy a home narrow down their optimal window of time to make a purchase.<span id=\"more-42627\"><\/span><\/p>\n<p>There are three main factors that go into determining how affordable homes are for buyers:<\/p>\n<ol>\n<li>Mortgage Rates<\/li>\n<li>Mortgage Payments as a Percentage of Income<\/li>\n<li>Home Prices<\/li>\n<\/ol>\n<p>The <em>National Association of Realtors<\/em>\u00a0(NAR), produces a\u00a0<a href=\"https:\/\/www.nar.realtor\/research-and-statistics\/housing-statistics\/housing-affordability-index\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Housing Affordability Index<\/a>, which takes these three factors into account and determines an overall affordability score for housing. According to NAR, the index:<\/p>\n<blockquote>\n<p><em>\u201c\u2026measures whether or not a typical family earns enough income to qualify for a mortgage loan on a typical home at the national and regional levels based on the most recent price and income data.\u201d<\/em><\/p>\n<\/blockquote>\n<p>Their methodology states:<\/p>\n<blockquote>\n<p><em>\u201cTo interpret the indices, a value of 100 means that a family with the median income has exactly enough income to qualify for a mortgage on a median-priced home. An index above 100 signifies that family earning the median income has more than enough income to qualify for a mortgage loan on a median-priced home, assuming a 20 percent down payment.\u201d<\/em><\/p>\n<\/blockquote>\n<p>So, the higher the index, the more affordable it is to purchase a home. Here\u2019s a graph of the index going back to 1990:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/07\/06162211\/20200707-MEM-Eng-1.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-42629\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2020\/07\/06162211\/20200707-MEM-Eng-1.jpg?resize=650%2C366&#038;ssl=1\" alt=\"Taking Advantage of Homebuying Affordability in Today\u2019s Market | Simplifying The Market\" width=\"650\" height=\"366\" \/><\/a>The green bar represents today\u2019s affordability. We can see that homes are more affordable now than they have been at any point since the housing crash when distressed properties (foreclosures and short sales) dominated the market. Those properties were sold at large discounts not seen before in the housing market.<\/p>\n<h4><strong>Why are homes so affordable today?<\/strong><\/h4>\n<p>Although there are three factors that drive the overall equation, the one that\u2019s playing the largest part in today\u2019s homebuying affordability is historically low <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/06\/22\/homebuyers-are-in-the-mood-to-buy-today\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">mortgage rates<\/a>. Based on this primary factor, we can see that it is <strong>more affordable to buy a home today than at any time in the last seven years. <\/strong><\/p>\n<p>If you\u2019re considering purchasing your first home or moving up to the one you\u2019ve always hoped for, it\u2019s important to understand how affordability plays into the overall cost of your home. With that in mind, buying while mortgage rates are as low as they are now may save you quite a bit of money over the life of your home loan.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>If you feel ready to buy, purchasing a home this season may save you significantly over time based on historic affordability trends. Let\u2019s connect today to determine if now is the right time for you to make your move.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Everyone is ready to buy a home at a different time in their lives, and a health crisis or not, today is no exception. Understanding how affordability works and the main market factors that impact it may help those who are ready to buy a home narrow down their optimal window of time to make [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3065,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-3064","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Taking Advantage of Homebuying Affordability in Today\u2019s Market&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/taking-advantage-of-homebuying-affordability-in-todays-market\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Taking Advantage of Homebuying Affordability in Today\u2019s Market&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Everyone is ready to buy a home at a different time in their lives, and a health crisis or not, today is no exception. 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