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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Should People in Their 20s Consider a Mortgage?

Maybe you're in your twenties, and you're already thinking about buying your own home. Getting your house can be a great accomplishment– it's something that a lot of people look forward to in their lives. And considering the rapid growth in today's economy, it's now worth wondering why a lot of individuals who are in their twenties are now considering buying a home.

Getting a mortgage is getting another financial commitment added in to your expenses. Now, if you think you can handle paying the monthly home loan payments for more than a decade, then you should contact a lender in your area today! But for those who are still undecided, you might want to think twice before getting a loan. How do you know if you're ready?

Are you ready for the additional expense?

There are a lot of things that you need to take care of once your mortgage gets approved. You have to allot a portion of your paycheck for certain expenses such as your house's maintenance and emergency repairs. Allocating money for your home loan monthly payments is not enough to become a responsible homeowner.

How much can you afford?

You have to be prepared for anything that might happen throughout the term of your loan. Certain financial mishaps may occur in the next few years, so you have to be ready for these kinds of things. Do you have extra savings that you can tap into in case of a medical emergency? Would you be able to find a different job or even get support from your partner's income if you become unemployed? Most people in their twenties also have an existing student loans so you should make sure that you are able to pay both debts.

What are your plans?

Do you plan to raise kids in your dream house? If yes, then try to look for locations that are near schools and other establishments. Also, make sure that the house that you are buying has a low crime rate to ensure your family's safety. It is important that you work with a professional so you know what options you have when applying for a home loan. Try to keep an open mind when you are applying for a home loan. It's always best to get an opinion from a professional when it comes to such large expenditures!

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