steve bargdill

🏠💡 **Are Age Barriers Holding You Back in Home Buying?** 🚷👵

Age shouldn’t be a barrier to securing your dream home, but often, it is. Did you know that the Equal Credit Opportunity Act (ECOA) prohibits age discrimination in mortgage approval? Yet, older applicants are still 30% more likely to be rejected.

👉 In our latest blog post, we dive deep into the top issues older home buyers face, from restrictive lending practices to the volatile real estate market impacting property availability and affordability.

### **Spotlight on Solutions**
We explore why working with a mortgage broker can provide a more customized and effective path to securing a mortgage, especially if traditional banks have let you down. Local brokers offer a responsiveness that can’t be matched, turning potential roadblocks into smooth pathways.

### **A Story You Can’t Miss**
Hear about how one of my clients, despite being ghosted by their broker on vacation, managed to secure a crucial pre-approval in the nick of time—thanks to a local expert stepping in. Imagine securing a mortgage approval while your broker is teeing off at Disney World! 🏌️‍♂️✨

### **But Wait, There’s More…**
How are these issues even more compounded by market dynamics that make affordable properties seem like “shitholes”? What are the real implications of this for buyers who are told they’re too old?

🔗 **Dive into the full story and discover the unexpected advice I have for navigating these waters—advice that might just change the way you think about buying a home in your golden years.**

Let’s reshape the narrative around aging and homeownership together. What’s been your experience with age and home buying?

#RealEstate #HomeBuying #AgeDiscrimination #MortgageBrokers #Investment

🏡 **Navigating the Complex World of Homeowners’ Associations**

In today’s real estate market, the role of Homeowners’ Associations (HOAs) can be as influential as the location of the property itself. But what is it really like to live within the governance of an HOA? From the power dynamics at play to the unexpected financial implications, our latest blog dives deep into the realities of HOA communities.

Here are three critical insights we discuss:
1. **The Power Dynamics and Conflicts**—Understand how internal politics within HOAs can impact your living experience.
2. **Financial Burdens and Hidden Costs**—Explore the potential financial pitfalls of HOA fees and special assessments.
3. **Impact on Property Values and Personal Freedoms**—Discover how HOAs can both protect and limit the value of your investment and your autonomy as a homeowner.

Are HOAs a protective shield or a financial burden? Whether you’re a first-time buyer, a seasoned investor, or just curious about the state of real estate, this article provides a nuanced perspective that could influence your next big decision.

Feel free to share your experiences with HOAs in the comments or share this post with someone who might find it insightful! #RealEstate #HomeBuying #HOAs #PropertyInvestment #CommunityLiving

**Beyond BuzzFeed: Unpacking the 25 Toughest Homeownership Questions**

🏠 Are you really ready to buy a home? Rising costs, high interest rates, and concerns about construction quality are making homeownership a daunting pursuit for many. A recent Buzzfeed piece highlighted 25 major issues faced by today’s homebuyers—issues that we’re diving into with our new blog series.

🔍 In today’s feature, we tackle the real challenges behind the glossy new-build facades. With building materials like “plywood, staples, glue, and plastic,” are these homes really worth their hefty price tags? We explore the often-unseen pitfalls of the modern real estate market, contrasted with the hidden potential in older properties.

🛠️ From the “rugged” streets of New Hampshire, where historical homes tell a story of resilience and value, to the sharp critiques of today’s construction practices, our series offers a candid look at what it truly takes to find quality and value in today’s market.

💡 But is the dream of homeownership out of reach, or just misunderstood? Dive deeper with us as we unravel the myth vs. the reality of buying a home in 2024.

🤔 Will the allure of new homes hold up against the test of quality and investment wisdom? Stay tuned.