Buying a home in your 30s as a couple?
Here’s the thing…The smartest money moves aren’t glamorous.
They’re the quiet, unsexy decisions that future-you will thank you for (and could save you over $100,000).
Here are 7 underrated tips I share with every couple in their 30s 👇
1️⃣ Go bi-weekly, not monthly.
It’s not exciting, but it’s life-changing. Paying half every two weeks instead of once a month can cut years off your loan.
2️⃣ Remove PMI early.
Once you hit 20% equity, ask your lender to cancel it. Most couples forget this step, and it’s like leaving free money on the table.
3️⃣ Make your first payment early.
Even if your loan “skips” the first month, paying it anyway can save tens of thousands in interest.
4️⃣ Ask for a seller rate buy-down.
Especially if the home’s been sitting for a bit. Many sellers will say yes to covering this.
5️⃣ Get 3 mortgage on the same day.
It won’t hurt your credit (seriously), and couples who do this save around $80K over time.
6️⃣ Explore local tax exemptions.
You might qualify just by living there full-time. Every city’s different, so look into it.
7️⃣ Grab your 1098 form every year.
It helps you claim mortgage interest, PMI, and property taxes on your taxes. Huge for homeowners.
These aren’t flashy. They don’t go viral.
But they’re what help couples in their 30s build wealth quietly and stress less about their mortgage.
— Richard Sarey, your go-to mortgage broker in Frisco TX.
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