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If you’ve been thinking about buying a home, chances are you’ve asked yourself (or Google): “When is the best time to buy?” It’s a fair question—but the real answer might surprise you. While many people try to “time the market,” the best time to buy a home isn’t just about seasons or interest rates. At Homeperk , we believe the best time to buy is when you’re ready —financially, emotionally, and strategically. Let’s unpack what that really means—and why waiting for the “perfe

Enhanced digital platform streamlines access to employer-sponsored down payment assistance programs for employers and employees nationwide Columbia, MO — July 17, 2025 — HomePerk , a leading fintech innovator helping employees overcome barriers to homeownership, today announced the launch of its completely overhauled website at www.myhomeperk.com . The new website represents a significant enhancement to the company’s online presence, offering improved user experience and str

Columbia, MO — December 11, 2024 — HomePerk , a leading fintech innovator helping employees overcome barriers to homeownership, is pleased to announce a new partnership with EquipmentShare , marking another step in expanding access to meaningful financial wellness benefits in the workplace. Founded in 2015 and based in Columbia, MO, EquipmentShare is the fastest-growing equipment solutions provider in the U.S. specializing in construction equipment rental, sales, and technol

HomePerk’s nationwide employer-sponsored down payment assistance program provides an easy-to-implement win-win solution for the employees as an opportunity to purchase a home and for the employers as a recruiting and retention tool Columbia, MO — August 12, 2025 — HomePerk, a leading fintech innovator helping employees overcome barriers to homeownership, is pleased to announce strategic partnerships with Big Tree Medical and PT Partners , marking the company’s official entr

Buying your first home is a big milestone. But what if your starter home could also be the start of your real estate portfolio? With the right strategy, you can purchase a home using a primary residence mortgage — which often comes with lower down payments and better interest rates—and later convert it into a cash-flowing rental property . Here’s how the process works, what to watch out for, and how to make it a smart step toward building wealth. ✅ Step 1: Buy Smart with the

When you rent, your monthly payments go to the landlord—helping them build wealth, not you. When you own a home, each mortgage payment builds your equity —the portion of the home you actually own. Over time, your equity grows as you pay down the loan and as your property value appreciates. It’s a form of forced savings that can help you build long-term wealth. 1. Build Equity Instead of Paying Rent One of the biggest benefits of this strategy is financing. Lenders offer more

Congratulations! You’ve crossed the exciting finish line and officially become a homeowner. Owning a home is an incredible milestone, but it also comes with new responsibilities—and a learning curve. At Homeperk , we want to help you enjoy your new home stress-free and build a foundation for long-term success. Whether this is your first home or your first time managing your own place, here are some essential tips every new homeowner should know. Create a Home Maintenance Sche

If you’re planning to buy a home, you’ve probably heard you’ll need to bring money to the table at closing. But what exactly are you paying for? At Homeperk , one of the most common questions we hear from new buyers is: “What are closing costs—and how are they different from a down payment?” That’s a great question—and knowing the answer can help you avoid surprises and feel confident when you’re ready to buy. Let’s break it all down. 🏦 First: What Is a Down Payment? Your do

If you’ve been exploring the idea of buying a home, you’ve probably heard a catchy phrase tossed around by real estate agents and lenders: “Date the rate, marry the home.” But what does it actually mean—and is it good advice? At Homeperk , we help people understand every step of the homebuying journey. And this popular saying is more than a sales pitch—it’s a mindset shift that can help you move forward with confidence, even in a high-interest rate market. Let’s break it down

For many aspiring homeowners, the dream of buying a home runs into a common obstacle: a low credit score . Whether it’s due to past financial challenges or limited credit history, a low score can make getting approved for a mortgage difficult—or more expensive. 💳 Why Credit Scores Matter for Homebuyers Your credit score is one of the most important numbers in your life when you’re trying to buy a home. It affects: Whether you qualify for a mortgage What kind of interest rate

Buying a home is one of the most important—and expensive—milestones in life. For many would-be buyers, it’s not the monthly mortgage payment that’s the biggest hurdle. It’s the down payment . That’s where Down Payment Assistance (DPA) programs come in. These programs are designed to help eligible buyers overcome the upfront cost of buying a home and finally step through the front door of a place they can call their own. If you’re thinking about buying your first home (or ret

If you’re thinking about buying a home, you’ve probably heard that you should “get pre-approved first.” But what does that actually mean—and why is it so important? At Homeperk , we help first-time homebuyers every day who are just starting the journey. One of the best early moves you can make is to get pre-approved for a mortgage . Here’s everything you need to know about what it is, how it works, and how it helps you move forward with confidence. 🏦 What Is a Mortgage Pre-A

When you’re buying a home, you want your offer to stand out. But did you know that the type of mortgage loan you use can influence how sellers perceive your offer? At Homeperk , we help buyers understand the ins and outs of mortgage options—and how choosing the right loan can give you an edge in competitive markets. One key insight: offers backed by conventional loans are often seen as stronger by sellers. Here’s why—and what you should know. What Is a Conventional Loan? A co