8 Reasons to buy a home in 2022

Most first-time home buyers face feelings of uncertainty as they take the big step into ownership. Having reservations is a normal reaction, but the more you know about why you should buy a home, the less scary the entire process will be. Here are eight good reasons why you should consider buying a home in 2022.

Tax Benefits

Here in the U.S., our Tax Code allows for homeowners to deduct the interest that you pay on your mortgage, your property taxes, and some of the other costs associated with buying a home.


Historically, real estate has appreciated over time. The market has moved up and down, but ultimately it has proven to be a good financial investment. It is moving up in a big way right now.  Hot sellers market!


Owning your own home allows you to keep more of your hard-earned money. A rent payment is money that you will never see again, but a mortgage payment helps you to build equity ownership interest. The more you pay towards the principal balance, the quicker your equity increases.

Equity Loans

As you pay off your loan and build equity, it is possible to obtain a home equity loan. This money can be used for a variety of reasons such as starting a new business, going to college, or doing home improvements. Unlike credit card interest, this type of interest paid is tax deductible.


Owning and paying off your home is a simple savings plan. As long as you have lived in your home for at least two of the past five years, you can exclude up to $250,000 of profit for an individual or $500,000 of profit for a married couple from your capital gains. There is no age restriction, and you can repeat this every two years. Why not pocket your profit, free from taxation?


Rent prices fluctuate, but a fixed-rate mortgage stays the same for the duration of the loan. This can bring some peace of mind knowing that your monthly payment will not change.


You are free to do as you please in your own home. Paint, decorate, and upgrade as much as you would like! This is one of the great privileges as a homeowner.  


As a homeowner you build roots and long-lasting relationships within your community. You are in control of the reins, and you decide how long you stay in one place.  

There are many benefits to owning your own home, and it will be one of the most important financial decisions you will make. The important thing to remember is to keep your debt-to-income ratio as low as possible so that you are able to be financially comfortable and enjoy your home ownership experience.

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