05/29/2026
π° FINANCE FRIDAY TIP
Don't shop for a home based on LIST PRICE.
Shop based on MONTHLY PAYMENT. π°
Here's why this matters:
Two homes. Same $400K price. VERY different monthly payments.
Home A: 20% down, 6.5% rate = $1,916/month
Home B: 5% down, 6.5% rate = $2,290/month
Same price. $374/month difference. $4,488/year difference.
Over 30 years? That's $180,000+ on the SAME HOUSE.
What affects your monthly payment:
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Interest rate
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Down payment amount
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Property taxes
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Homeowners insurance
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HOA fees
The smart way to shop:
1οΈβ£ Know your COMFORTABLE monthly payment (honest number)
2οΈβ£ Work backward to your price range
3οΈβ£ Shop confidently in that range
4οΈβ£ Explore your down payment options
Real Fort Worth example:
Couple earning $80K/year
Comfortable monthly payment: $1,600
Wrong approach: 'We can afford $400K'
Result: Over budget, stressed, unsustainable
Right approach: 'Here's our monthly budget'
Result: Pre-approved for $280K, confident, sustainable
Down payment options:
FHA: 3.5% down (first-time buyers)
Conventional: 3-5% down
VA: 0% down (veterans)
USDA: 0% down (rural)
First-time buyer programs
The benefit:
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No budget stretching
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Confident decisions
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Long-term affordability
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Sleep well at night
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Sustainable homeownership
A home's list price is just a number. Your monthly payment is what you live with for 30 years.
Which matters more?
Get your real numbers:
π Call: (817) 881-6125
π§ Email: [email protected]
In 20 minutes I'll show you:
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Your comfortable monthly payment
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Your true price range
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Your down payment options
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How different scenarios work
Fort Worth homebuyers deserve affordable, sustainable homeownership.
Let's find YOUR number.
Movement Mortgage | Fort Worth
NMLS: 250451