{"id":3290,"date":"2021-08-19T03:14:13","date_gmt":"2021-08-19T03:14:13","guid":{"rendered":"http:\/\/192.249.121.232\/~karlispahr\/?page_id=3290"},"modified":"2023-01-11T18:17:45","modified_gmt":"2023-01-11T18:17:45","slug":"learning-center","status":"publish","type":"page","link":"https:\/\/mega4.vonkdigital.com\/~spahr\/learning-center\/","title":{"rendered":"Learning Center"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1641934236228{padding-top: 150px !important;padding-bottom: 120px !important;background-color: #f9f9f9 !important;}&#8221;][vc_column]<style>.vcex-heading.vcex_6a700f1561067{font-size:.9em;font-weight:600;text-transform:uppercase;letter-spacing:1px;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-text-center vcex_6a700f1561067\"><span class=\"vcex-heading-inner wpex-inline-block\">Learning Center<\/span><\/div><div class=\"vcex-spacing wpex-w-100 wpex-clear\" style=\"height:10px;\"><\/div><style>.vcex-heading.vcex_6a700f1562c15{width:700px;font-size:40px;font-weight:700;}@media (max-width:767px){.vcex-heading.vcex_6a700f1562c15{font-size:35px;}}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-text-center wpex-max-w-100 wpex-mx-auto vcex_6a700f1562c15\"><span class=\"vcex-heading-inner wpex-inline-block\">Learn everything you need to know about buying a home.<\/span><\/h2><div class=\"vcex-spacing wpex-w-100 wpex-clear\" style=\"height:20px;\"><\/div>[vc_column_text text_align=&#8221;center&#8221; width=&#8221;500px&#8221; align=&#8221;center&#8221;]I am an education based Loan Officer. Please read through the articles below to help you learn more about the home buying process.[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1673290753225{margin-top: 60px !important;}&#8221;][vc_column]<style>.vcex-button.vcex_6a700f1563309{background:var(--wpex-accent);font-size:24px;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.youtube.com\/channel\/UCR5f5_4Znr6rWuPjEtqLDQQ\" class=\"vcex-button theme-button align-center inline wpex-shadow-lg vcex_6a700f1563309\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Subscribe Now<\/span><\/a><\/div> <div class=\"vcex-spacing wpex-w-100 wpex-clear\" style=\"height:35px;\"><\/div>[vc_raw_js]JTNDc2NyaXB0JTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZhcHBzLmVsZnNpZ2h0LmNvbSUyRnAlMkZwbGF0Zm9ybS5qcyUyMiUyMGRlZmVyJTNFJTNDJTJGc2NyaXB0JTNFJTBBJTNDZGl2JTIwY2xhc3MlM0QlMjJlbGZzaWdodC1hcHAtZDBjNjQ3NmEtMWMwZS00NjUwLTgxNGItMzliMmZlYmJjZjEyJTIyJTNFJTNDJTJGZGl2JTNF[\/vc_raw_js][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1636134507228{padding-top: 80px !important;}&#8221;][vc_column]<div class=\"wpex-post-cards wpex-post-cards-blog_3 wpex-relative\"><div class=\"wpex-post-cards-inner\"><div class=\"wpex-post-cards-loop wpex-post-cards-grid wpex-row wpex-clr\"><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3579 type-post cat-226\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/a-step-by-step-guide-to-shopping-for-a-new-home\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Shopping-for-a-New-Home.jpg\" class=\"wpex-align-middle\" alt=\"Shopping for a New Home\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Shopping-for-a-New-Home.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Shopping-for-a-New-Home-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Shopping-for-a-New-Home-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Shopping-for-a-New-Home-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/a-step-by-step-guide-to-shopping-for-a-new-home\/\" class=\"wpex-inherit-color-important\">A Step-by-Step Guide to Shopping for a New Home<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Whether this is your first or tenth home purchase, shopping for a new home is an exciting time. It can&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3715 type-post cat-226\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/understanding-cash-to-close\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/holding-money.jpg\" class=\"wpex-align-middle\" alt=\"holding money\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/holding-money.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/holding-money-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/holding-money-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/holding-money-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/understanding-cash-to-close\/\" class=\"wpex-inherit-color-important\">Understanding Cash to Close<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>If you have received your Closing Disclosure from your lender, you are almost done with your home buying journey. The&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3648 type-post cat-226\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/first-time-homebuyers-checklist\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/checklist.jpg\" class=\"wpex-align-middle\" alt=\"Writing in a journal\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/checklist.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/checklist-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/checklist-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/checklist-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/first-time-homebuyers-checklist\/\" class=\"wpex-inherit-color-important\">First-Time Homebuyer\u2019s Checklist<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Ready to purchase your first home? Use this easy-to-follow checklist to navigate the path to home ownership. Determine Your Budget:&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3681 type-post cat-226\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-get-preapproved-for-a-mortgage\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/stamping-paper.jpg\" class=\"wpex-align-middle\" alt=\"Stamping paper\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/stamping-paper.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/stamping-paper-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/stamping-paper-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/stamping-paper-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-get-preapproved-for-a-mortgage\/\" class=\"wpex-inherit-color-important\">How to Get Preapproved for a Mortgage<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Before you begin your new home search, talk to a lender about getting preapproved for a mortgage. This important step&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3576 type-post cat-226\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/5-strategies-to-save-for-a-home\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/home-saving.jpg\" class=\"wpex-align-middle\" alt=\"home saving\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/home-saving.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/home-saving-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/home-saving-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/home-saving-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/5-strategies-to-save-for-a-home\/\" class=\"wpex-inherit-color-important\">5 Strategies to Save for a Home<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Buying a home is a big purchase, one that takes time to save up to afford. Many homebuyers use a&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3643 type-post cat-226\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/finding-the-right-location-to-buy-a-home\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Map.jpg\" class=\"wpex-align-middle\" alt=\"Holding a map in a car\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Map.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Map-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Map-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Map-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/finding-the-right-location-to-buy-a-home\/\" class=\"wpex-inherit-color-important\">Finding the Right Location to Buy a Home<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>They say that buying a home is all about location, location, location. But what if you do not know what&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3637 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/expenses-first-time-home-buyers-need-to-save-for\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Piggy-Bank.jpg\" class=\"wpex-align-middle\" alt=\"Piggy Bank\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Piggy-Bank.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Piggy-Bank-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Piggy-Bank-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Piggy-Bank-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/expenses-first-time-home-buyers-need-to-save-for\/\" class=\"wpex-inherit-color-important\">Expenses First Time Home Buyers Need to Save For<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>If you are getting ready to purchase your first home, there are a few expenses that you need to prepare&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3702 type-post cat-11 cat-221 cat-226 cat-229 cat-227\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/should-i-buy-or-rent\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Buy-vs-Rent.jpg\" class=\"wpex-align-middle\" alt=\"Buy Versus Rent\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Buy-vs-Rent.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Buy-vs-Rent-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Buy-vs-Rent-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Buy-vs-Rent-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/should-i-buy-or-rent\/\" class=\"wpex-inherit-color-important\">Should I Buy or Rent?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/rent-vs-buy\/\" class=\"wpex-hover-underline has-term-227-color\">Rent Vs Buy<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>The biggest question those considering homeownership need to answer is simple: Should I buy or rent my home? Here is&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3710 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/understanding-an-appraisal-contingency\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Price-of-Home.jpg\" class=\"wpex-align-middle\" alt=\"Price of Home\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Price-of-Home.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Price-of-Home-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Price-of-Home-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Price-of-Home-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/understanding-an-appraisal-contingency\/\" class=\"wpex-inherit-color-important\">Understanding an Appraisal Contingency<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>When buying a new home, you have the chance to put in a number of contingencies to the purchase contract&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3670 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-much-income-do-i-need-to-buy-a-house\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/putting-money-into-jar.jpg\" class=\"wpex-align-middle\" alt=\"putting money into jar\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/putting-money-into-jar.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/putting-money-into-jar-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/putting-money-into-jar-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/putting-money-into-jar-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-much-income-do-i-need-to-buy-a-house\/\" class=\"wpex-inherit-color-important\">How Much Income Do I Need to Buy a House?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Homeownership is not just for the ultra wealthy. While income is an important factor when buying a house, knowing exactly&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3729 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-you-need-to-know-about-cosigning-a-mortgage\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/woman-thinking.jpg\" class=\"wpex-align-middle\" alt=\"Woman thinking\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/woman-thinking.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/woman-thinking-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/woman-thinking-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/woman-thinking-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-you-need-to-know-about-cosigning-a-mortgage\/\" class=\"wpex-inherit-color-important\">What You Need to Know About Cosigning a Mortgage<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>If your credit, debt, or income is keeping you from buying a house, you may be tempted to have another&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3707 type-post cat-11 cat-221 cat-231 cat-226 cat-1 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/popular-loans-for-buying-a-home\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Conventional-Loan.jpg\" class=\"wpex-align-middle\" alt=\"Conventional Loan\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Conventional-Loan.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Conventional-Loan-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Conventional-Loan-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/Conventional-Loan-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/popular-loans-for-buying-a-home\/\" class=\"wpex-inherit-color-important\">Popular Loans for Buying a Home<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-trends\/\" class=\"wpex-hover-underline has-term-231-color\">Home Trends<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-news\/\" class=\"wpex-hover-underline has-term-1-color\">Mortgage News<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Finding a great deal on your home purchase requires that you understand the different types of home loans available. Here&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3674 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-buy-a-house-with-no-money-down\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/couple-looking-at-home.jpg\" class=\"wpex-align-middle\" alt=\"Couple looking at home\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/couple-looking-at-home.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/couple-looking-at-home-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/couple-looking-at-home-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/couple-looking-at-home-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-buy-a-house-with-no-money-down\/\" class=\"wpex-inherit-color-important\">How to Buy a House with No Money Down<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Do you dream of homeownership but can\u2019t come up with the required down payment? Don\u2019t worry. You may be eligible&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3633 type-post cat-11 cat-221 cat-226 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/do-i-need-a-realtor-to-buy-a-house\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/realtor.jpg\" class=\"wpex-align-middle\" alt=\"Couple with real estate agent\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/realtor.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/realtor-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/realtor-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/realtor-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/do-i-need-a-realtor-to-buy-a-house\/\" class=\"wpex-inherit-color-important\">Do I Need a Realtor to Buy a House?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>When you are ready to make a new home purchase, the first thing to consider is who you want on&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3667 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-much-do-i-need-for-a-house-down-payment\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Down-Payment.jpg\" class=\"wpex-align-middle\" alt=\"Couple looking at computer\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Down-Payment.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Down-Payment-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Down-Payment-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Down-Payment-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-much-do-i-need-for-a-house-down-payment\/\" class=\"wpex-inherit-color-important\">How Much Do I Need for a House Down Payment?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>One of the first hurdles that potential homeowners must overcome is saving up a down payment. It can take years,&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3653 type-post cat-221 cat-226 cat-222 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/a-home-appraisal-checklist\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Appraisal.jpg\" class=\"wpex-align-middle\" alt=\"Home Appraisal\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Appraisal.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Appraisal-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Appraisal-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Appraisal-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/a-home-appraisal-checklist\/\" class=\"wpex-inherit-color-important\">A Home Appraisal Checklist<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-refinance\/\" class=\"wpex-hover-underline has-term-222-color\">Mortgage Refinance<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Searching for and finding the perfect new home is just one step of the home buying process. Once you find&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3718 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-is-an-fha-mortgage-insurance-premium\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/FHA-loan.jpg\" class=\"wpex-align-middle\" alt=\"FHA Loan\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/FHA-loan.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/FHA-loan-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/FHA-loan-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/FHA-loan-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-is-an-fha-mortgage-insurance-premium\/\" class=\"wpex-inherit-color-important\">What Is an FHA Mortgage Insurance Premium?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>FHA mortgages are great for homebuyers without a sizable down payment or with low credit. Each situation is unique and&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3658 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/a-home-inspection-checklist\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Inspection.jpg\" class=\"wpex-align-middle\" alt=\"Home Inspection\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Inspection.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Inspection-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Inspection-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Home-Inspection-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/a-home-inspection-checklist\/\" class=\"wpex-inherit-color-important\">A Home Inspection Checklist<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>When purchasing a home, it is always a good idea to have it professionally inspected. Many lenders even require it&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3726 type-post cat-11 cat-221 cat-226 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-to-look-for-in-a-neighborhood-when-buying-a-house\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/neighborhood.jpg\" class=\"wpex-align-middle\" alt=\"Mother Walks With Son As He Rides Scooter Along Sidewalk\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/neighborhood.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/neighborhood-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/neighborhood-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/neighborhood-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-to-look-for-in-a-neighborhood-when-buying-a-house\/\" class=\"wpex-inherit-color-important\">What to Look for in a Neighborhood When Buying a House<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Evaluating a potential new home\u2019s features is just one part of finding the perfect place to buy. You should also&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3582 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/buydown-to-reduce-your-mortgage-interest-rate\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/points.jpg\" class=\"wpex-align-middle\" alt=\"points\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/points.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/points-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/points-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/points-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/buydown-to-reduce-your-mortgage-interest-rate\/\" class=\"wpex-inherit-color-important\">Buydown to Reduce Your Mortgage Interest Rate<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>If you are buying a home, you have probably looked at all kinds of ways to reduce your monthly mortgage&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3587 type-post cat-11 cat-221 cat-226 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/buying-a-house-without-a-real-estate-agent\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Without-a-Real-Estate-Agent.jpg\" class=\"wpex-align-middle\" alt=\"Without a Real Estate Agent\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Without-a-Real-Estate-Agent.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Without-a-Real-Estate-Agent-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Without-a-Real-Estate-Agent-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2020\/09\/Without-a-Real-Estate-Agent-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/buying-a-house-without-a-real-estate-agent\/\" class=\"wpex-inherit-color-important\">Buying a House without a Real Estate Agent<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Working with a real estate agent can be very helpful when purchasing a house, especially if you are a first-time&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3677 type-post cat-11 cat-221 cat-225 cat-226 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-determine-if-you-are-in-a-buyers-market-or-sellers-market\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/house-for-sale.jpg\" class=\"wpex-align-middle\" alt=\"House for sale\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/house-for-sale.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/house-for-sale-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/house-for-sale-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/house-for-sale-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-determine-if-you-are-in-a-buyers-market-or-sellers-market\/\" class=\"wpex-inherit-color-important\">How to Determine if You Are in a Buyer\u2019s Market or Seller\u2019s Market<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/in-the-news\/\" class=\"wpex-hover-underline has-term-225-color\">In the news<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Being a savvy real estate buyer or seller requires that you know and understand the market conditions. This includes the&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3663 type-post cat-11 cat-221 cat-226 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-long-does-it-take-to-buy-a-house\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Calendar.jpg\" class=\"wpex-align-middle\" alt=\"Calendar\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Calendar.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Calendar-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Calendar-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/02\/Calendar-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-long-does-it-take-to-buy-a-house\/\" class=\"wpex-inherit-color-important\">How Long Does It Take to Buy a House?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>The home buying process is exciting but can be lengthy, especially if you have a purchase fall through and have&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3684 type-post cat-221 cat-226 cat-224 cat-230\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-get-your-house-ready-to-sell\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/console-table.jpg\" class=\"wpex-align-middle\" alt=\"Console table\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/console-table.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/console-table-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/console-table-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/console-table-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-get-your-house-ready-to-sell\/\" class=\"wpex-inherit-color-important\">How to Get Your House Ready to Sell<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/renovations\/\" class=\"wpex-hover-underline has-term-230-color\">Renovations<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>You\u2019ve mastered the process of home buying, but are you ready to be a seller when it\u2019s time to move&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-1 span_1_of_3 post-3690 type-post cat-11 cat-221 cat-226 cat-229 cat-224\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/negotiating-a-house-price-as-a-buyer\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/men-at-table.jpg\" class=\"wpex-align-middle\" alt=\"Two Men sitting across from each other at a table.\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/men-at-table.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/men-at-table-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/men-at-table-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/men-at-table-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/negotiating-a-house-price-as-a-buyer\/\" class=\"wpex-inherit-color-important\">Negotiating a House Price as a Buyer<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Buying or selling a home often comes with some negotiation. In fact, it is expected and normal for both parties&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-2 span_1_of_3 post-3721 type-post cat-11 cat-221 cat-226 cat-229\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-is-the-average-down-payment-for-a-home\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/down-payment.jpg\" class=\"wpex-align-middle\" alt=\"Down Payment\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/down-payment.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/down-payment-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/down-payment-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/08\/down-payment-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/what-is-the-average-down-payment-for-a-home\/\" class=\"wpex-inherit-color-important\">What Is the Average Down Payment for a Home?<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>One of the biggest hurdles to homeownership is saving up the all-important down payment. It can impact how much house&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpex-post-cards-entry col col-3 span_1_of_3 post-3687 type-post cat-11 cat-221 cat-226 cat-229 cat-224 cat-227\"><div class=\"wpex-card wpex-card-blog_3\"><div class=\"wpex-card-inner wpex-flex wpex-flex-col wpex-flex-grow wpex-rounded wpex-surface-1 wpex-shadow-lg wpex-overflow-hidden\"><div class=\"wpex-card-media overlay-parent overlay-parent-1\"><div class=\"wpex-card-thumbnail wpex-relative\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-know-when-you-should-buy-a-house\/\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/family-moving.jpg\" class=\"wpex-align-middle\" alt=\"Unloading a moving van\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/family-moving.jpg 800w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/family-moving-300x200.jpg 300w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/family-moving-768x512.jpg 768w, https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2021\/07\/family-moving-415x276.jpg 415w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/div><\/div><div class=\"wpex-card-details wpex-p-30 wpex-last-mb-0\"><h2 class=\"wpex-card-title wpex-heading wpex-text-lg wpex-mb-5\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/how-to-know-when-you-should-buy-a-house\/\" class=\"wpex-inherit-color-important\">How to Know When You Should Buy a House<\/a><\/h2><div class=\"wpex-card-terms-list wpex-mb-15 wpex-text-xs wpex-font-semibold wpex-uppercase\"><a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/first-time-home-buyer\/\" class=\"wpex-hover-underline has-term-11-color\">First Time Home Buyer<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/home-owner-tips\/\" class=\"wpex-hover-underline has-term-221-color\">Home Owner Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/learn\/\" class=\"wpex-hover-underline has-term-226-color\">Learn<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/mortgage-tips\/\" class=\"wpex-hover-underline has-term-229-color\">Mortgage Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/real-estate-tips\/\" class=\"wpex-hover-underline has-term-224-color\">Real Estate Tips<\/a> &middot; <a href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/category\/rent-vs-buy\/\" class=\"wpex-hover-underline has-term-227-color\">Rent Vs Buy<\/a><\/div><div class=\"wpex-card-excerpt wpex-last-mb-0\"><p>Do you enthusiastically pore over home listings on online platforms in your spare time? Is driving around looking for For&hellip;<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>[\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1641934236228{padding-top: 150px !important;padding-bottom: 120px !important;background-color: #f9f9f9 !important;}&#8221;][vc_column][vc_column_text text_align=&#8221;center&#8221; width=&#8221;500px&#8221; align=&#8221;center&#8221;]I am an education based Loan Officer. Please read through the articles below to help you learn more&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"class_list":["post-3290","page","type-page","status-publish","hentry","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Learning Center - American Dream Home Team<\/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:\/\/mega4.vonkdigital.com\/~spahr\/learning-center\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Learning Center - American Dream Home Team\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=&#8221;stretch_row&#8221; remove_bottom_col_margin=&#8221;true&#8221; css=&#8221;.vc_custom_1641934236228{padding-top: 150px !important;padding-bottom: 120px !important;background-color: #f9f9f9 !important;}&#8221;][vc_column][vc_column_text text_align=&#8221;center&#8221; width=&#8221;500px&#8221; align=&#8221;center&#8221;]I am an education based Loan Officer. 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