Mortgage Monday: Is now a good time to buy a house?

Our latest report on the housing market ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/d7463fc4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBkOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzExMDYmYWZmX3N1YjQ9MDYxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTEwNiZ1dG1fY29udGVudD0wNjE2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=gWn17gdUkRbWWsFWxTbajAxR1Y2YP1yxjQQ8xfZkDW8)   The Fed's pause on interest rate hikes was music to the ears of anyone shopping for a mortgage. But does that mean it's a good time to buy a house? We investigated, and we're sharing what we found with you. Here on Mortgage Monday, we're also reporting on the bad money habits that might be preventing you from buying a home, how to boost your checking account if you already have $1K stashed in it and how to [increase your income as a homeowner](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/3947ba53?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBkOSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvaW5jcmVhc2UtaW5jb21lLWhvbWUtb3duZXItcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTA2JmFmZl9zdWI0PTA2MTYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDYmdXRtX2NvbnRlbnQ9MDYxNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=I7jchKa0mcn_J_gJ-oUt3hDeXYNo1fRsVvWTFGPgooc)(current or aspiring).          654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/d874782f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=UnsXD0AziUpSdQ7w79lcU-9f1y19eJ4DigwOsCxGnek  [TPH Investigates: Is Now a Good Time to Buy a House?](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/3be037a1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=50su7Qw_rYhFArn3JUqA1JSu0upuhFDBIy_PgTx1k8g)  When will it be safe to go back in the water? Victims of great white sharks and aspiring home buyers want to know. We surveyed the current landscape of the always-volatile housing market, and here's what we found.          [🏡 7 Bad Money Habits Preventing You From Buying a Home](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/af734d95?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=0nyrXrjUBMFX0o5B0m8fd-Kr9T5XvEriaJpk3uNRxKw)  Making bad financial assumptions not only makes an A-S-S out of U and ME, it can also keep you from buying a home. For example, [don't assume it's okay to carry non-mortgage debt](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/db14f334?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBkZCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZGFuZ2Vyb3VzLWZpbmFuY2lhbC1hc3N1bXB0aW9ucy1wcnRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzExMDYmYWZmX3N1YjQ9MDYxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTEwNiZ1dG1fY29udGVudD0wNjE2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=20xtqVA5J2EZhRoJdQ_O1ViLVuj5KCwD7CJz_Yt43gE) from month to month. Find out what other economically deadly sins you should be avoiding if you're preparing to apply for a home loan.          654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/64e769ce?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBkZSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvaW5jcmVhc2UtaW5jb21lLWhvbWUtb3duZXItcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTA2JmFmZl9zdWI0PTA2MTYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDYmdXRtX2NvbnRlbnQ9MDYxNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=n00xr2IX0-kbO_9iB9eydGn_wtcJAss__kSYWQP6uL4  [5 Ways to Increase Your Income as a Homeowner](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/b6881766?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBkZiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvaW5jcmVhc2UtaW5jb21lLWhvbWUtb3duZXItcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTA2JmFmZl9zdWI0PTA2MTYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDYmdXRtX2NvbnRlbnQ9MDYxNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=wDIhpQzX1MhPP7hvecHcxKeKzSfFp_gn7-UQl6bYgJE)  You finally did it — you put in the hard work, you made the sacrifices and now you're a homeowner. But as we often say around here, getting your name on a deed likely costs more than anything else in your life. Offset the cost of your monthly mortgage with these [five ways to boost your income as a homeowner](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/e7adf7ed?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBkOSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvaW5jcmVhc2UtaW5jb21lLWhvbWUtb3duZXItcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTA2JmFmZl9zdWI0PTA2MTYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDYmdXRtX2NvbnRlbnQ9MDYxNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=I7jchKa0mcn_J_gJ-oUt3hDeXYNo1fRsVvWTFGPgooc). (Pro tip: These moves also work for aspiring homeowners.)          [🏦 Aspiring Home Buyers: $1,000 in Your Account Is Just a Good Start](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/56cace05?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=JrP-pMbG86HYTeerv2V60sC-S6f3p3S_slOeeKhu5oI)  Getting your first grand in the bank can feel like a major milestone, and it is! But it's only the beginning if you're trying to save for a major purchase like a house. Now it's time to [start multiplying that money](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/a9f2acc8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBlMSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvMTAwMC1jaGVja2luZy1hY2NvdW50LW1ha2UtNC1tb3Zlcy1wcnRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzExMDYmYWZmX3N1YjQ9MDYxNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTEwNiZ1dG1fY29udGVudD0wNjE2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=ODSPu5fR5rFBa5OKq4VwrtHYCGon9ntDTUxuJw_IOUU) to help you put aside what you'll need for a down payment.     [TPH Explains: What to Do When You Can’t Find Affordable Housing](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/57c226f3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBlMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2ZpbmQtYWZmb3JkYWJsZS1ob3VzaW5nXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTA2JmFmZl9zdWI0PTA2MTYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMDYmdXRtX2NvbnRlbnQ9MDYxNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=5hdedPk7ShzNyf3xO4eR451ywjVXd3XP11Etyn9NgsI)  If none of these resources help you achieve the dream of homeownership, we feel for you, and we want to help. Nothing is more challenging right now than finding affordable housing. That's why we put together this explainer on what to do when you run out of options for housing you can truly afford.          [Was this email forwarded to you? Subscribe Now. It's free!](654567fd9c2b565a1101d0a4:ot:631faf77229f6550ab06f0cf:1/06759057?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTkyNjkzOTAsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NDU2YTZiMGVhMmY5YjQ3OTBhYjBlMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTEwNiZhZmZfc3ViND0wNjE2JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTA2JnV0bV9jb250ZW50PTA2MTYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=wBbfJ2hwSw9o1f35WlZ7eiyAUuKak1mfw0NicJpTWsk)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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