{"id":3404,"date":"2021-02-11T05:00:11","date_gmt":"2021-02-11T11:00:11","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/47-of-new-buyers-surprised-by-how-affordable-homes-are-today\/"},"modified":"2021-02-11T05:00:11","modified_gmt":"2021-02-11T11:00:11","slug":"47-of-new-buyers-surprised-by-how-affordable-homes-are-today","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/47-of-new-buyers-surprised-by-how-affordable-homes-are-today\/","title":{"rendered":"47% of New Buyers Surprised by How Affordable Homes Are Today"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/10130507\/20210211-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"47% of New Buyers Surprised by How Affordable Homes Are Today | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Headlines matter. Right now, it\u2019s hard to read about real estate without seeing a headline that suggests homes have become unaffordable for most Americans. In reality, there\u2019s hard evidence that shows how owning a home is more affordable than <a href=\"https:\/\/www.attomdata.com\/news\/market-trends\/home-sales-prices\/attom-data-solutions-2021-rental-affordability-report\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">renting<\/a> in most parts of the country, as record-low interest rates are keeping monthly mortgage payments about 23% <a href=\"https:\/\/www.corelogic.com\/blog\/2020\/12\/affordability-challenges-ahead-large-demographic-tailwind-has-arrived-amid-lowest-inventory-of-homes-for-sale.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">lower<\/a> than the typical payment of 20 years ago. Despite the facts, misleading headlines persist, and they impact how hopeful homebuyers perceive the market.<span id=\"more-43850\"><\/span><\/p>\n<p>In a recent <a href=\"https:\/\/news.move.com\/2021-02-03-Affordability-Surprises-First-Time-Homebuyers-While-Parental-Assistance-Savings-and-Wishlist-Compromises-Prove-Common-Survey-Finds\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">survey<\/a> by <em>realtor.com<\/em>, home shoppers indicated they were surprised by what they could actually afford when buying their first home. In fact, 47% discovered their budget was larger than they expected. George Ratiu, <em>Senior Economist<\/em> at <em>realtor.com<\/em>, explains:<\/p>\n<blockquote>\n<p><em>&#8220;For first-time buyers, especially, the drop in the 30-year mortgage rate\u2026has provided unexpected leverage. Lower rates allowed many buyers to stretch and buy more expensive homes while keeping their monthly budget the same.&#8221;<\/em><\/p>\n<\/blockquote>\n<h4><strong>So why do these negative headlines that cast doubt on affordability continue to exist?<\/strong><\/h4>\n<p>Most analysts only look at two of the three elements that make up the affordability equation: <strong>price<\/strong> and <strong>income<\/strong>. It\u2019s true that incomes haven\u2019t kept up with the <em>price<\/em> of houses. However, <a href=\"https:\/\/www.simplifyingthemarket.com\/2020\/09\/22\/the-cost-of-a-home-is-far-more-important-than-the-price\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">affordability<\/a> is about the <em>cost<\/em> of the home, not just the price. For that reason, <strong>mortgage rates<\/strong>, the third element of the affordability equation, are important to consider.<\/p>\n<p data-wp-editing=\"1\">For example, here\u2019s the <em>typical mortgage payment<\/em> for assorted dates going back to 2000, as calculated by <a href=\"https:\/\/www.corelogic.com\/blog\/2020\/12\/affordability-challenges-ahead-large-demographic-tailwind-has-arrived-amid-lowest-inventory-of-homes-for-sale.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><em>CoreLogic<\/em><\/a>:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/10130509\/20210211-MEM-Eng-1.jpg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-43852\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/02\/10130509\/20210211-MEM-Eng-1.jpg?resize=650%2C488&#038;ssl=1\" alt=\"47% of New Buyers Surprised by How Affordable Homes Are Today | Simplifying The Market\" width=\"650\" height=\"488\" \/><\/a>Outside of the housing crash (when short sales and foreclosures drove prices down), it\u2019s more affordable to buy a home today when you consider all three elements of the affordability equation: <strong>price, income,<\/strong> <strong>and mortgage rate<\/strong>.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Whether you\u2019re a first-time buyer or a move-up buyer, don\u2019t let the headlines scare you away from your dream of homeownership. Instead, connect with mortgage and real estate professionals to determine what you can afford and what\u2019s available at that price. Like almost half of the buyers in the survey, you may be pleasantly surprised.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Headlines matter. Right now, it\u2019s hard to read about real estate without seeing a headline that suggests homes have become unaffordable for most Americans. In reality, there\u2019s hard evidence that shows how owning a home is more affordable than renting in most parts of the country, as record-low interest rates are keeping monthly mortgage payments [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3405,"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-3404","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>47% of New Buyers Surprised by How Affordable Homes Are Today&#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\/47-of-new-buyers-surprised-by-how-affordable-homes-are-today\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"47% of New Buyers Surprised by How Affordable Homes Are Today&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Headlines matter. Right now, it\u2019s hard to read about real estate without seeing a headline that suggests homes have become unaffordable for most Americans. 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