Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart July 10, 2025

Creative Ways to Use Rent-to-Own Agreements to Buy a Home

A rent-to-own agreement is a contract that allows a tenant to rent a home with the option to buy it later. Part of the monthly rent payment typically goes toward the future down payment or purchase price. This approach can be ideal for buyers who need more time to improve their credit, save money, or get financially ready for homeownership. It blends the flexibility of renting with the long-term goal of owning.

Filed Under: Home Buyer Tips Tagged With: First Time Home Buyer, Home Buying Tips, Rent-to-Own Agreements

Emanuel Stewart July 9, 2025

The Psychology of Homebuying and Emotions vs. Financial Logic

Buying a home is not just a financial decision, it is an emotional one too. For many people, homeownership represents stability, success, and personal freedom. Whether it is the excitement of finding your dream kitchen or imagining holidays with family, emotions naturally come into play. These feelings can create a strong connection to a property and often influence the decisions buyers make, sometimes even more than logic does.

Filed Under: Home Buyer Tips Tagged With: Emotions vs Logic, First Time Home Buyer, Home Buying Tips

Emanuel Stewart June 19, 2025

How to Build Credit For a Mortgage Starting This National Homeownership Month

June is National Homeownership Month, a time to celebrate the dream of owning a home and offer guidance to those preparing to take that important step. One of the most impactful things you can do right now is to begin building or improving your credit. If you plan to purchase a home in the next 6 to 12 months, the work you do today could make a major difference in the loan terms you receive later.

Filed Under: Homeowner Tips Tagged With: Build Your Credit, First Time Home Buyer, Home Buying Goals

Emanuel Stewart April 11, 2025

The Top 3 Home Loan Programs First-Time Buyers Should Consider

Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. With so many loan options available, it is important to choose one that best suits your financial situation and long-term goals. Here are three of the most popular home loan programs that first-time buyers should consider.

Filed Under: Mortgage Tips Tagged With: First Time Home Buyer, Home Loans, Mortgage Tips

Emanuel Stewart October 23, 2024

Can I Buy a Duplex with an FHA Loan?

If you’re in the market to buy a duplex or similar multi-unit property, you may be wondering whether you can use an FHA loan to finance your purchase. FHA loans are well-known for helping first-time homebuyers, but they can also be used to purchase duplexes. Here’s everything you need to know about FHA loans, how they work, and whether they’re a good fit for your homebuying plans.

Filed Under: Home Mortgages Tagged With: FHA Loan, FHA Loan For Duplex, First Time Home Buyer

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