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Let’s break it down in the way you might have learned in third grade. Imagine every $1,000 you borrow for a mortgage—your payment increases by roughly $0.08 for every one-eighth of a percent in interest. That’s about $8 for every $100,000 you borrow. When you understand this, and you’re shown how the numbers actually work, the mystery disappears. Suddenly, homeownership feels not just possible—but smart.

A common mental block we hear is: “I can’t go over $3,000 a month.” But ask yourself, where did that number really come from? Was it based on a real budget or just a feeling? What if the home you love—one that checks 80–90% of your wish list—costs just $60 more per month? Would you really let that stop you from living in a space where your family could thrive and your investment could grow?

That $60 isn’t just a number—it’s the barrier between renting and building equity, between uncertainty and stability. And most importantly, it’s not a fixed roadblock. There are ways to adjust your financing to work within your budget, and that’s where guidance from the right mortgage professional comes in.

Here at David Haley Mortgage, we don’t just run numbers—we help you see the possibilities. Nobody taught us this in school. Most people don’t grow up learning how mortgage interest really works, or how homeownership leads to long-term wealth. But we believe you should know.

The younger you start, the more powerful the impact. If you buy a home now—before your friends who wait another 10 years—your equity, your appreciation, and your financial footing will likely be far stronger by the time you all reach the same age.

This isn’t just about owning a property. It’s about owning your future. That’s the real power of owning a home.