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Experts Were Wrong—Rates Didn’t Drop! Now What?! Creative Mortgage Solutions in 2025: How to Buy a Home with Confidence By Apryle Borst, Realtor If you’ve been thinking about buying a home in 2025 but feel hesitant because of rising mortgage rates, you’re not alone. The good news? There are smart mortgage options that can make homeownership more affordable, even in today’s market. With rates hovering around 6.5%, it’s time to explore creative financing strategies that can help you save money and move forward with confidence. Adjustable Rate Mortgages (ARMs): A Flexible Solution An Adjustable Rate Mortgage (ARM) can be a great option for buyers who want lower initial payments. These mortgages typically offer a lower interest rate at the beginning of the loan, giving you time to build equity or refinance later if rates improve. If you’re planning to stay in your home for a shorter time or expect your income to grow, an ARM could be a perfect fit. Understanding Mortgage Buydowns A mortgage buydown is a lesser-known tool that can make your monthly payments more manageable. With this strategy, either the buyer or seller pays to temporarily reduce the interest rate, typically for the first 1–3 years of the loan. It’s a smart move in a high-rate environment — giving you breathing room while still moving into the home you want. Assumable Mortgages: Take Over a Lower Rate One of the best-kept secrets in real estate right now is the assumable mortgage. This allows a buyer to take over the seller’s existing mortgage — including their low interest rate. Imagine locking in a 3% or 4% rate in a 6.5% market! Not all loans are assumable, but when available, this can be a powerful way to save significantly over time. Why Smart Buyers Choose Winter If you’re looking for a clear, less stressful pathway to homeownership, consider these benefits of buying in winter: 15% Lower Home Prices: Imagine saving a significant amount simply by choosing to buy during the off-season. Opportunities for Negotiation: The winter market puts you in a prime position to negotiate without the pressure of intense competition. A Smoother Process: Without the frantic pace of spring, you can take your time and make a well-informed decision. Why Mortgage Strategy Matters in 2025 Real estate in 2025 is all about strategy. With home prices expected to rise later in the year, acting now with the right financing approach can give you a serious advantage. Whether you’re looking to buy a home with lower interest rates or build home equity through smart decisions, I’m here to help you find the best home loan options for your situation. Let’s Find the Right Fit for You As your trusted guide in the housing market, I’ll help you break down the numbers, explore every option, and find a loan that works with your goals. 📞 Reach out today — let’s unlock your path to homeownership with smart financing that works for you. — Apryle Borst, Realtor – Helping You Move Smarter in 2025

Discover Why Arizona is Your Next Home: Stunning Scenery, Affordable Living & More Why Arizona Should Be Your Next Home: A Place to Live, Work, and Play By Apryle Borst, Realtor When considering where to relocate, Arizona has quickly become a top choice for many. From its affordable housing market to its diverse landscapes and friendly climate, Arizona offers a unique blend of benefits that make it the ideal place to call home. Whether you’re thinking about purchasing your first home or you’re looking to retire in Arizona, the state is full of opportunities. In this blog, I’ll break down why Arizona real estate is booming and why more and more people are choosing to move to Arizona. 1. The Affordable Arizona Housing Market Arizona real estate is one of the most affordable markets in the country, especially when +compared to major metropolitan areas like California, New York, or Washington D.C. Housing prices in Arizona have remained relatively low, offering homebuyers great value for their money. From urban condos in Phoenix to suburban homes in Scottsdale, there’s an option for every budget. Tip: If you’re looking for affordable homes in Arizona, the market has plenty of options in both urban and rural areas, with property values that are steadily increasing over time. 2. Stunning Natural Beauty and Outdoor Living Arizona’s natural beauty is one of the primary reasons people love living here. From the Grand Canyon to the high deserts and snow-capped mountains, the state offers endless outdoor activities. Whether you’re into hiking, biking, or just enjoying the breathtaking scenic beauty, Arizona offers an active lifestyle year-round. Tip: Arizona’s dry, sunny climate is perfect for those who love the outdoors. The state has plenty of recreational facilities and national parks, giving you access to some of the most stunning scenery in the U.S. 3. Diverse Communities for Every Lifestyle Arizona offers a variety of living environments, making it one of the most versatile states in terms of lifestyle benefits. From the bustling city life in Phoenix to the relaxed vibes of Tucson, or the upscale suburban living in Scottsdale, you’re sure to find a community that suits your needs. Phoenix: The state capital offers a vibrant downtown, urban amenities, and a growing job market. Scottsdale: Known for its luxury homes, golf courses, and resorts, Scottsdale offers a top-tier lifestyle. Tucson: A more relaxed pace of life with a rich cultural heritage and unique Southwestern charm. Tip: No matter where you choose to live in Arizona, you’ll find communities that embrace diversity, with options for all budgets and lifestyles. 4. An Ideal Climate for Year-Round Outdoor Living Arizona is known for its sunny climate, with over 300 days of sunshine a year. This makes it a perfect place for people who enjoy outdoor activities, whether it’s hiking in the desert or golfing year-round. The climate is particularly appealing to those looking for warmth and sun, especially during colder months. Tip: Arizona’s mild winters and long summers provide a pleasant environment for those looking to spend more time outdoors, whether at the golf course, hiking trails, or exploring Arizona’s many natural wonders. 5. Growing Job Market and Economic Opportunities Arizona is not just about beautiful homes and landscapes — the state also boasts a strong and growing economy. From the high-tech industry in Phoenix to the tourism sector in Sedona, Arizona is quickly becoming a hub for business and innovation. For those looking to relocate for work, Arizona offers plenty of job opportunities. Tip: Arizona’s low taxes, combined with a growing economy, make it an attractive destination for both entrepreneurs and those seeking employment in various industries. 6. A Great Place to Retire Arizona is one of the most popular states for retirement, thanks to its low property taxes, warm climate, and affordable living. Cities like Scottsdale and Mesa are home to numerous senior living communities, offering activities, golf courses, and a laid-back lifestyle that retirees often seek. Tip: Arizona’s mix of affordable living and exceptional healthcare options makes it a perfect destination for those ready to enjoy their golden years in comfort. 7. A High Quality of Life What truly sets Arizona apart is its high quality of life. Between its excellent schools, diverse job opportunities, and a rich cultural scene, you’ll find everything you need to enjoy life in this beautiful state. Whether you’re seeking an active lifestyle, a more relaxed pace, or a vibrant cultural scene, Arizona delivers. Tip: Arizona offers a family-friendly environment with a variety of events, museums, art galleries, and restaurants to explore. Ready to Make the Move to Arizona? Arizona’s affordable real estate market, scenic beauty, and high quality of life make it one of the top destinations to move to. With its diverse communities, outdoor activities, and growing economy, Arizona is a great place to live, work, and play.  Interested in finding your dream home in Arizona? Reach out to me today, and let’s explore the options available to you in this fantastic state!