How Owning a Home Can Boost Your Well-Being

September is Self-Care Month: How Owning a Home Can Boost Your Well-Being 

As we embrace September’s theme of self-care, it’s the perfect time to reflect on how our surroundings contribute to our overall well-being. While self-care often brings to mind spa days and meditation, did you know that owning a home can also play a significant role in enhancing your physical and mental health? 

Let’s explore how investing in a home can be a powerful form of self-care and how our Employee Homeownership Program can guide you in making this beneficial life change. 

The Health Benefits of Homeownership 

Owning a home is more than just having a place to live; it offers a host of benefits that contribute to a healthier, happier life. Here’s how: 

Stability and Security: Homeownership provides a sense of stability and security, which is a cornerstone of well-being. Studies show that homeowners are more likely to feel in control of their lives, leading to reduced stress and anxiety. 

Community Connection: Being a homeowner often encourages greater community engagement. Research from the National Association of Realtors shows that homeowners are more likely to volunteer, vote, and participate in community activities, fostering a sense of belonging and support. 

Financial Wellness: Owning a home is a significant step toward building wealth and financial security. The U.S. Federal Reserve reports that the net worth of a homeowner is typically 40 times greater than that of a renter. This financial stability can reduce stress and provide peace of mind, allowing you to focus on other aspects of your life. 

Long-term Health Benefits: According to a study published in the American Journal of Public Health, homeowners report better physical and mental health outcomes compared to non-homeowners. The stability and predictability of homeownership contribute to these positive health effects.  Make Homeownership Part of Your Self-Care Routine 

With all these benefits, why not consider making homeownership a part of your self-care routine? Your Employee Homeownership Program is here to support you every step of the way. We provide expert guidance and exclusive benefits that can help you save money and navigate the home-buying process with confidence and ease. 

Why Choose Your Employee Homeownership Program? 

Expert Guidance: Gain access to a wealth of knowledge from industry experts who will guide you through the home-buying process, ensuring you make informed decisions. 

Exclusive Benefits: Enjoy special benefits that can save you thousands when buying, selling, or refinancing your home. 

Tailored Support: Our program is designed to simplify the home-buying process and maximize your savings, empowering you to achieve your homeownership goals. 

Bottom Line 

This Self-Care Month, take a step toward enhancing your well-being by exploring the benefits of homeownership. With the stability, community connection, and financial security that comes with owning a home, you’ll be investing in a healthier, happier future for yourself and your loved ones. 

Let’s connect and see how our Employee Homeownership Program can help you on this rewarding journey. Contact us today to learn more! 

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The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Advantage Home Plus does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence 

What Every Homeowner Should Know About Their Equity 

What Every Homeowner Should Know About Their Equity 

Curious About Selling Your Home? Understanding how much equity you have is the first step to unlocking what you can afford when you move. The real estate market has seen some exciting trends over the past few years, and understanding how much equity you have is the first step to unlocking what you can afford when you move. With home prices having risen significantly, many homeowners have more equity than they realize. 

So, what exactly is home equity, and how can it help you when selling your home? Let’s dive in!  

Home Equity: What Is It and How Much Do You Have? 

Home equity is essentially the portion of your home that you truly own, free and clear. It’s the difference between your home’s current market value and what you still owe on your mortgage. For example, if your house is worth $400,000 and you only owe $200,000, your equity is a whopping $200,000! 

Recent data from the Census and ATTOM reveals that Americans are sitting on substantial equity right now. In fact, more than two out of three homeowners have either completely paid off their mortgages or have at least 50% equity in their homes.  

This means that today, more homeowners are getting a larger return on their homeownership investments when they sell. Imagine the possibilities that come with that kind of financial leverage! 

Using Your Employee Homeownership Program to Maximize Your Sale 

Here’s where your Employee Homeownership Program comes into play. This incredible resource empowers you with the knowledge and tools to navigate the complexities of selling a home, ensuring you make informed decisions every step of the way. Whether you’re considering buying, selling, or refinancing, our program can help you save money and simplify the process.  

What You Should Do Next 

Thinking about selling your house? Here’s how to proceed: 

Understand Your Equity: Knowing your home equity is crucial. It provides a clear picture of your financial standing and helps you set realistic expectations for your next move. 

Leverage Expert Advice: Work with your Employee Homeownership Program and tap into the expert resources available to you. These experts will guide you through the selling process, helping you understand market conditions, pricing strategies, and how to maximize your equity.  

Bottom Line 

The rise in home prices means your equity has likely increased too. By connecting with the right team and utilizing your Employee Homeownership Program, you can confidently move forward when you sell your home. Let’s explore how much equity you have and discover the potential it holds for your future. Contact us today to learn more and start planning your next steps!  

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The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Advantage Home Plus does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence 

 How Josh Transformed His Financial Future with his Employee Homeownership Program 

 How Josh Transformed His Financial Future with his Employee Homeownership Program

In a world where financial wellness is paramount, stories like Josh’s from OHSU inspire us all. Josh reached out to his Employee Homeownership Program advisor after hearing about the free refinance and debt analysis we offer. What he achieved is nothing short of transformative, and it’s a pleasure to share his success in this month’s newsletter. 

A Fresh Financial Start 

Josh was facing common challenges that many homeowners encounter: high monthly expenses and a mortgage setup that was less than ideal. Our team conducted a thorough analysis of Josh’s financial situation, identifying key areas where we could create impactful changes. The result? A refinance solution that not only lowered his monthly payments but also eliminated costly mortgage insurance. 

More Than Just Savings 

However, the benefits didn’t stop at monthly savings. With our guidance, this strategic move didn’t just save him money in the short term—it reshaped his entire financial landscape. 

“Thanks to the patience and dedication of the team, I’m not just saving money—I’m investing in my future,” says Josh. He is now saving over $800 each month, a substantial amount he’s funneling into his retirement investment accounts, accelerating his journey towards financial freedom.  

Our Commitment to You 

Josh’s story highlights the core of what we aim to achieve: empowering employees to make informed, beneficial financial decisions. His experience underscores the value of the Employee Homeownership Program, which is designed not just to meet immediate needs but to pave the way for long-lasting financial health. 

“You guys were super patient, helpful, and friendly,” Josh noted, reflecting on the support he received. “She walked me through everything, making the process not just easy, but enjoyable.”  

Let Us Help You Too 

Are you ready to take control of your financial future like Josh did? Contact us today to receive your refinance and debt analysis. Whether you’re looking to refinance, pay off debts, or simply explore your options, our team is here to provide the same patient, friendly guidance that made such a difference for Josh. 

Josh’s journey is more than a success story—it’s a testament to what’s possible when you have the right support at the right time. Let us help you rewrite your financial story, starting today!  

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The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Advantage Home Plus does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence 

  Unlocking Your Home’s Equity for a Better Life   

   Unlocking Your Home’s Equity for a Better Life   

Did you know that many Americans are sitting on a goldmine of home equity? Over the past few years, home prices have soared, and with them, the equity in our homes. This September, as we focus on self-care, let’s explore how you can use that equity to improve your life and well-being. 

Understanding Home Equity 

Home equity is the difference between your home’s market value and what you owe on your mortgage. For many homeowners, this equity has grown significantly due to rising property values. According to recent studies, U.S. homeowners have more equity than ever before. This presents a fantastic opportunity to use your home’s value to enhance your quality of life. 

Using Equity for Self-Care and Life Improvement 

Home Renovations: One of the most rewarding ways to use home equity is by investing in renovations that make your living space more comfortable and enjoyable. Whether it’s creating a cozy home office, upgrading your kitchen, or adding a relaxation area, these improvements can boost your well-being and increase your home’s value. 

Debt Consolidation: If high-interest debts are causing stress, using your home equity to consolidate them can be a smart move. By paying off high-interest credit cards and loans, you can improve your financial stability and reduce stress, making it easier to focus on self-care and other priorities. 

Education and Skill Development:  Investing in education or skill development can open doors to new opportunities and personal growth. Whether you’re considering going back to school, learning a new skill, or funding your child’s education, your home equity can provide the financial support you need to achieve these goals. By using equity to pay for tuition or training, you can ease the burden of educational expenses and ensure a brighter future for yourself and your family. 

Retirement Planning:  Your home equity can also play a crucial role in planning for a secure and comfortable retirement. By strategically using your equity, you can bolster your retirement savings and ensure peace of mind as you look to the future. 

Leveraging Your Employee Homeownership Program 

Your Employee Homeownership Program is here to help you make the most of your home equity. With personalized advice, financial planning, and significant savings, we provide the support you need to navigate your options confidently. Your homeownership benefits program empowers you to make informed decisions that align with your goals and improve your life. 

Steps to Access Your Home Equity 

  1. Evaluate Your Equity:  Start by determining how much equity you have. Your Homeownership Program Advisor can assist you in assessing your home’s value and mortgage balance, giving you a clear picture of your financial standing. 
  1. Explore Your Options:  Consider how you want to use your equity and what aligns with your self-care goals. Consult with your Employee Homeownership Program Specialist to explore the best options tailored to your situation. 
  2. Take Action:  Your Homeownership Specialist can guide you through accessing your equity, whether through refinancing, a home equity loan, or a home equity line of credit (HELOC), ensuring a smooth and informed process.  

Bottom Line 

Your home equity is a valuable asset that can help you improve your life in meaningful ways. This Self-Care Month, consider how you can use it to enhance your well-being, reduce stress, and invest in your future. Reach out today to learn more about how your Employee Homeownership Program can help you unlock the full potential of your home equity and achieve your dreams. 

Let’s embark on this journey together and make the most of the opportunities your home equity provides!   

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The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Advantage Home Plus does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence