Tim Moore Movement Mortgage NMLS #20855

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

National housing headlines don't always tell the whole story.

According to Zillow Research, starter-home inventory increased 4.5% year over year in June, while luxury-home inventory declined 5.2%.*

That could mean more options for some buyers searching at lower price points. Zillow also found that price cuts were more common among starter homes, with 25% of listings receiving a price cut in June. Market conditions can vary significantly by location, so what's happening nationally may look very different in your area.

Reach out to learn more about the inventory available in your area and price range.

*Source: Zillow Research, “Starter Homes Are Piling Up While Luxury Homes Fly Off the Market,” July 29, 2026. Starter homes are defined by Zillow as homes in the 5th–35th percentile of home values in a given region. Market conditions vary by location and are subject to change.

The reason most people don't grow their investment portfolio isn't opportunity, it's capital. Every dollar tied up in a down payment is a dollar that can't go toward the next deal. Investor Plus was built for exactly that problem. As little as 10% down on an investment property, no mortgage insurance on single units, short-term rental eligible.

If you've been waiting until you have enough, let's figure out what enough actually looks like. DM me.

Note: For qualified borrowers. Additional restrictions apply. Must meet all loan program and borrower requirements.

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

Back-to-School Pop Quiz!
Do you need:
❌ Perfect credit?
❌ 20% down?
❌ Everything figured out?

Not necessarily.

One of the biggest homebuying misconceptions is thinking you're not ready when you may be closer than you realize. If you've checked a few items on this Homebuyer Checklist, it might be time to explore your options and see what's possible.

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20% down.

Many prospective buyers assume they won't qualify because of factors like student loans, credit concerns, limited savings, or past financial challenges. The reality is that every buyer's situation is unique. Having one or more of these factors doesn't necessarily mean homeownership isn't an option. One way to better understand your options is to have a conversation with a loan officer and review your individual circumstances. You may learn more about the mortgage options available to you and the steps that could help you prepare for homeownership.

When home prices go higher, your financing options should too. Jumbo loans can help qualified buyers purchase homes that exceed conventional loan limits while providing competitive financing solutions along the way.
Ready to explore your options? Let's connect.