Meet with your lender in PERSON, so use a Tyler/Smith County lender. Mortgages are different now as FHA loans only require 3% down, VA requires 0 down & others can be small down payments. 20% is still a goal, as monthly payments less but small down payments & can invest some in the stock market. MANY OPTIONS NOW!

BUT in the moderate price range. Upper price range is not selling as quickly. Affordability is what consumers are looking. What happened with Amazon in New York is a cautionary tale. Average wages increased to $23.18 per hour, up 3.5%. Consumer confidence is following suit. Typically medium-priced home is now $259,300, but may rise. BUY NOW WITH INTEREST RATES LOW.

With interest rates still low best for a fixed interest rate mortgage, but still choices. 20% down is a reasonable cash to put into a home, but now FHA only requires 3% cash down. Some conventional lenders may require only 3.5% down & some with 10% or less. You can stash your cash to use in the stock market. JUST TALK TO SEVERAL IN-TOWN LENDERS!