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Save Money for a Down Payment

Save Money For a Down Payment

Many renters dream of owning their own home. They  would love to paint the walls, make repair decisions, and gain equity with their monthly payments. Unfortunately, many renters cannot afford a down payment. According to a survey we found, 62% of Americans have under $1,000 in savings. Here are some tips on how to get yourself out of renting and save up for a down payment.

Talk to a lender and you know your goals

Call a great local lender – if you need one call us for recommendations – and find out how much home you can afford. Once you and the lender come to an agreement on what you can afford, set a hard goal and start saving.

Get a side gig

Find a side job such as Lyft, Rover, Instacart, or even a part-time job at a local restaurant or retail store. Put this money into a separate account so you cannot easily access it. This can add up to be a big portion of your savings.

Save your tax refund

As tempting as it may be, do not spend it! Simply put it away and pretend it no longer exists. You will thank yourself later when you become a homeowner!

Open a high-yield savings or money market account

All the money you are saving, put into an account that earns interest. Over time, that earned interest really adds up. By opening a different account, it also makes your money harder to access therefore resulting in you not spending it.

Drop the monthly memberships

Many people have memberships that are never used! Drop the monthly memberships to gyms, tanning salons, or other clubs you belong to that you don’t use regularly. It’s actually cheaper, in the long run, to buy a treadmill than to pay monthly gym fees.

Check your spending habits

Print out your bank statements and review them. It’s best to print them so you can truly analyze your spending. Highlight unnecessary expenses and start to cut back. With these tips in mind, you should be able to cut back your spending and save money for a down payment in no time! We wish you luck, call us to start your home buying process!


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6 Easy Steps To Homeownership

Interested in buying a home, but have no idea where to start?  Check out our easy steps to home ownership below —


  1. Pre-Approval

Critical 1st step in knowing your buying power and a valuable tool in helping your offer to be accepted by sellers.

  1. Hire an Agent

Having a trusted Real Estate Team working for you will save you time, money & stress in finding the right property.

  1. Home Search

Make a list of your must-haves. Select homes that meet your property & budget criteria

  1. Make Offer/Sign Contract

Once your offer is accepted you and the seller will sign a contract!

  1. Property & Documentation

The home is inspected & appraised to support value. Your documentation is verified.

  1. Closing & Your Keys!

Upon final loan approval, Title Company schedules your signing appointment to close and your keys are delivered!


The Strange Team and Summit Funding Inc. are ready and willing to make your home owning dreams come true!

For more information, contact The Strange Team at info@thestrangeteam.com or 720.295.4350 and our lending partner, Dustin Hodges at Summit Funding, Inc. (NMLS ID# 3199)

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Dustin Hodges
Direct: 303.668.7605
Email: dustin.hodges@summitfunding.net
NMLS ID#: 269783
DORA ID#: LBM100030291


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