Lacy McCaffrey Realtor

09/11/2026

Data centers probably weren't on your list of things to think about when buying or selling a home.

09/10/2026

09/10/2026

Repeat buyers, you’ve got a big leg up on your next move.

It’s your equity, the difference between what your house is worth and what you still owe on your mortgage. Sell, and that equity turns into cash you can roll right into your next down payment.

That’s how a lot of repeat buyers put down 20% or more. But why do they, especially when they don’t necessarily have to?

Because putting more down saves you money in the long run. A bigger down payment means a smaller loan, so your monthly payment is lower and you’re paying less interest over time.

You can also skip private mortgage insurance, or PMI, which is an additional monthly fee required for loans with less than 20% down.

Talk to a trusted lender to figure out what down payment makes the most sense for your budget. And when you’re ready to kick start your move, let’s talk.

09/08/2026

09/07/2026

For most first-time buyers, the hardest part of buying a home is making the numbers work. You budget, you save, and the finish line still feels far away.

09/06/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.

09/05/2026

You've been waiting for something to change before you buy. It just might not be the thing you expected…

09/04/2026

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home.