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Message
re: First Time Home Buyer Mortgage Questions
Posted on 4/13/26 at 12:02 pm to BestBanker
Posted on 4/13/26 at 12:02 pm to BestBanker
quote:
Again, it depends.
Yep, like everything
What can you get on the money you don't put into mortgage, what are your interest rates, etc. Hell, if the options is available, put the 5% down or whatever and then make a lump sum principle contribution with the remaining funds and recast your loan (if they will allow you to). Lot of times that will be a better deal long term for you than doing a 20% down payment in the traditional sense. So yea as you said, there definitely can be reasons not to put a full 20% down.
This post was edited on 4/13/26 at 12:04 pm
0
Posted on 4/13/26 at 6:08 pm to CuseTiger
In the process myself as well, I hate it almost as bad as buying a car. The market sucks right now where we are looking so everything is going to a bidding war. Which really sucks being that we are only looking to be in it 3-5yrs ideally.
This post was edited on 4/13/26 at 6:10 pm
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