Nathan Rufty - Home Loans

Are you excited about what is happening in the housing market right now? Because I am, and here is why you should be too.

This is becoming a buyer's market. There is more inventory available right now than we have seen in years, which means buyers can make offers and actually get them accepted. If you are a buyer sitting on the fence or a realtor with a client who keeps waiting, this is a genuinely good time to move.

I hear the same objections all the time. No income, no credit, no down payment, or too much outside noise making people nervous. But here is the truth. What is happening across the world, in the Middle East, with gas prices, or with the cost of eggs does not determine whether you should buy a home today. What matters is your budget, your credit, and your plan. If you do not have the income we need to talk about where we can find it. If you have assets like a 401k, stocks, bonds, or mutual funds, selling something of value could be your down payment. And sellers are increasingly willing to cover closing costs right now, which I am seeing on more and more of my purchase transactions. If you do not know your credit score, a free credit report from a general agency is not a mortgage-related credit report. It will give you an inflated and often inaccurate picture. You need a mortgage professional to pull your actual report, and I can do a soft pull that will not affect your credit score at all.

I am Nathan Rufty with Canopy Mortgage and I want to talk to you. All my contact information is below. Let's get you on the path to homeownership.

To all the incredible nurses out there — thank you. 💙

You’re the heartbeat of every community, showing up day and night to care for others when it matters most.

This Nurse’s Appreciation Day, we just want to say how much you’re valued and appreciated.

If you’re a nurse looking to buy a home, you may qualify for special loan programs that make it easier to get started.

Let’s chat about your options — you deserve it!