{"id":3394,"date":"2021-02-04T05:00:55","date_gmt":"2021-02-04T11:00:55","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/why-owning-a-home-is-a-powerful-financial-decision\/"},"modified":"2021-02-04T05:00:55","modified_gmt":"2021-02-04T11:00:55","slug":"why-owning-a-home-is-a-powerful-financial-decision","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/why-owning-a-home-is-a-powerful-financial-decision\/","title":{"rendered":"Why Owning a Home Is a Powerful Financial Decision"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/01\/29162806\/20210204-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Why Owning a Home Is a Powerful Financial Decision | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>In today\u2019s housing market, there are clear financial benefits to owning a home: increasing <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/01\/06\/the-importance-of-home-equity-in-building-wealth\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">equity<\/a>, the chance to build your <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/10\/07\/a-homeowners-net-worth-is-40x-greater-than-a-renters\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">net worth<\/a>, and <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/01\/11\/what-does-2021-have-in-store-for-home-values\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">appreciating<\/a> home values, just to name a few. If you\u2019re a renter, it\u2019s never too early to think about how homeownership can propel you toward a stronger future. Here\u2019s a dive into three often-overlooked financial benefits of homeownership and how preparing for them now can steer you in the direction of greater financial security and savings.<span id=\"more-43800\"><\/span><\/p>\n<h4><strong>1. You Won\u2019t Always Have a Monthly Housing Payment<\/strong><\/h4>\n<p>Personal finance advisor Dave Ramsey <a href=\"https:\/\/www.daveramsey.com\/blog\/buy-vs-rent-myths-busted\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">explains<\/a>:<\/p>\n<blockquote>\n<p><em>\u201cEvery payment brings you closer to owning the house. When you pay your rent, that money is spent. Gone. Bye. Not returning. But when you pay your mortgage, you work toward full ownership.\u201d<\/em><\/p>\n<\/blockquote>\n<p>As a homeowner, you can eventually eliminate the monthly payment you make on your house. That\u2019s a huge win and a big factor in how homeownership can drive stability and savings in your life. As soon as you buy a home, your monthly housing costs begin to work for you as forced savings in the form of <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/12\/17\/homeowner-equity-increases-an-astonishing-1-trillion\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">equity<\/a>. When you build equity and grow your net worth, you can continue to reinvest those savings into your future, maybe even by buying that next dream home. The possibilities are truly endless.<\/p>\n<h4><strong>2. Homeownership Is a Tax Break<\/strong><\/h4>\n<p>One thing people who have never owned a home don\u2019t always think about are the tax advantages of homeownership. The same article states:<\/p>\n<blockquote>\n<p><em>\u201cYou have tax advantages. Many of the costs of owning a home\u2014like property taxes\u2014are tax deductible. And if you\u2019re paying off a mortgage, you\u2019ll get to count your mortgage interest as a deduction when you file your tax return.\u201d<\/em><\/p>\n<\/blockquote>\n<p>Whether you\u2019re living in your first home or your fifth, it\u2019s a huge financial advantage to have some tax relief tied to the interest you pay each year. It\u2019s one thing you definitely don\u2019t get when you\u2019re renting. Be sure to work with a tax professional to get the best possible benefits on your annual return.<\/p>\n<h4><strong>3. Monthly Housing Costs Are Predictable<\/strong><\/h4>\n<p>A third benefit is the fact that monthly costs start to become more predictable with homeownership, something that doesn\u2019t happen if you\u2019re renting. Ramsey also notes:<\/p>\n<blockquote>\n<p><em>\u201cRent rates will go up. Even if you found a killer deal in a hot area, inflation, competition, and rising property values will cause your rent to go up year after year.\u201d<\/em><\/p>\n<\/blockquote>\n<p>With a mortgage, you can keep your monthly housing costs relatively steady and predictable. Your monthly costs are most likely based on a fixed-rate mortgage, which allows you to budget your finances over a longer period of time. Rental prices have been <a href=\"http:\/\/www.census.gov\/housing\/hvs\/files\/currenthvspress.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">skyrocketing<\/a> since 2012, and with today\u2019s <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/01\/19\/should-i-wait-for-lower-mortgage-interest-rates\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">low<\/a> mortgage rates, it\u2019s a great time to get more for your money when purchasing a home. If you want to lock-in your monthly payment at a low rate and have a solid understanding of what you\u2019re going to spend in your mortgage payment each month, buying a home may be your best bet.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>If you\u2019re ready to start feeling the benefits of stability, savings, and predictability that come with owning a home, let\u2019s connect to determine if buying sooner rather than later is right for you.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In today\u2019s housing market, there are clear financial benefits to owning a home: increasing equity, the chance to build your net worth, and appreciating home values, just to name a few. If you\u2019re a renter, it\u2019s never too early to think about how homeownership can propel you toward a stronger future. Here\u2019s a dive into [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3395,"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-3394","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>Why Owning a Home Is a Powerful Financial Decision&#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\/why-owning-a-home-is-a-powerful-financial-decision\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Owning a Home Is a Powerful Financial Decision&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"In today\u2019s housing market, there are clear financial benefits to owning a home: increasing equity, the chance to build your net worth, and appreciating home values, just to name a few. 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