{"id":31,"date":"2026-10-26T10:00:00","date_gmt":"2026-10-26T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/brianvincentteam-com\/2026\/10\/26\/2026-first-time-buyers-need-savings-strategy\/"},"modified":"2026-10-26T10:00:00","modified_gmt":"2026-10-26T10:00:00","slug":"2026-first-time-buyers-need-savings-strategy","status":"publish","type":"post","link":"https:\/\/www.brianvincentteam.com\/blog\/2026\/10\/26\/2026-first-time-buyers-need-savings-strategy\/","title":{"rendered":"2026 First-Time Buyers Need Savings Strategy"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/brian-vincent-2\/saving-house-buyers\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>First-time buyers need more than a deposit: closing costs, moving expenses, insurance, taxes, lender fees, and repairs all belong in the plan.<br \/>\n2026 may offer decent opportunities for stable, prepared buyers, with 30-yr fixed mortgages in the low-6% range and easing forecast ahead this yr.<br \/>\nA buyer&#039;s market can expand choices and strengthen negotiation, especially when inventory exceeds demand and fewer buyers compete for similar nearby homes.<br \/>\nSaving ~20% remains a common target; conventional loans require 620 credit scores, while government-backed options may allow 580, or lower with larger deposits.<br \/>\nPre-approval helps buyers set a realistic range before house hunting, and emergency savings help manage urgent repairs while building habits for future purchases.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>First-time buyers need more than a deposit: closing costs, moving expenses, insurance, taxes, lender fees, and repairs all belong in the plan. 2026 may offer decent opportunities for stable, prepared buyers, with 30-yr fixed mortgages in the low-6% range and easing forecast ahead this yr. A buyer&#039;s market can expand choices and strengthen negotiation, especially [&hellip;]<\/p>\n","protected":false},"author":596,"featured_media":32,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/users\/596"}],"replies":[{"embeddable":true,"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":0,"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/posts\/31\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/media\/32"}],"wp:attachment":[{"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/media?parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/categories?post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.brianvincentteam.com\/blog\/wp-json\/wp\/v2\/tags?post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}