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Welcome to Property Action

Whether you\u2019re a current homeowner or taking your first steps toward owning your first home, we are a resource and advocate who will support you through each phase of the homeownership journey.

We work closely with state and local REALTOR\u00ae associations to raise awareness about key real estate policies and to tackle pressing challenges like housing affordability, housing supply, rising taxes, and other emerging barriers to homeownership.

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Watch Their Journey Home

Discover inspiring stories from the real lives of people who recently overcame affordability hurdles, navigated competitive markets and took their first bold steps toward homeownership.

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Title fraud is a serious crime that can be overlooked and result in a property owner unknowingly losing the title of their property. Here\u2019s what you need to know about title fraud, how it happens, who\u2019s most at risk, and how you can prevent it from happening to you.

What is title fraud, and how is it different from other scams?

Title fraud, or deed theft, is when someone illegally transfers the title or deed of your property without your knowledge, often using forged documents or fake IDs. The criminal\u2019s goal is to steal your money by making it seem like someone else owns your property or that you transferred your property to someone else. When left unaddressed, title fraud can result in foreclosure or eviction\u2014even if you still live in the home.

How can someone steal my home\u2019s title?

A scammer might forge your signature to transfer the property\u2019s title to themselves using a fake ID and file it with the local recorder's office. This makes it appear that you willingly transferred over the title of your home to them, and they now own it. Another scenario is where a scammer attempts to list and sell a property or take out a loan against it, claiming to be the owner. Fraudulent filings can be difficult to spot unless someone is actively monitoring public records.

What are some red flags that could indicate title fraud?

Scammers often target properties that are unoccupied or do not have a mortgage, but there are specific behaviors that can signal something is wrong. Warning signs include a seller who is offering a vacant property for significantly less than its market value, communicates only through electronic means while avoiding phone or video conversations, or insists on using their own remote notary to close the sale. These tactics are designed to avoid detection and can be a sign that the transaction\u2014or even the seller\u2014is fraudulent. Agents who are REALTORS\u00ae can help you avoid instances of potential title fraud by working with trusted title and escrow companies, guiding you through secure transactions, and helping make sure your ownership is properly recorded and protected.

How can I protect myself from title fraud, especially when buying a home?

If you currently own property, ask your local county if they offer fraud alerts for property documents, periodically check online tax and property records, and keep your ownership records in a secure place. When buying, make sure a full title search is done and consider purchasing owner\u2019s title insurance, a common step during the process of buying your first home. You should verify wiring instructions by phone to avoid related scams during the transaction process.

What does title insurance do?

Title insurance protects you from title-related issues, including fraudulent claims on a home. One of its key protections is legal defense and loss coverage in the event that someone else claims to own your property because of a forged deed. In fact, if you are financing your home with a mortgage, most lenders will require title insurance because it protects them from defects in the title and ensures that documents are valid and enforceable.

What are some warning signs that I might be a victim of title fraud?

Warning signs include if you stop receiving property tax bills or receive mail for someone else at your address. Unexpected notices from banks or government offices may also be a sign that someone has tampered with your home\u2019s title.

What should I do if I think I\u2019m a victim of title fraud?

Alert the FBI via the Internet Crime Complaint Center, contact your local police, and speak to a real estate attorney as soon as possible. Report the fraud to your county recorder and notify your title insurance provider if you have coverage. Acting fast can help limit the damage. You may also want to place a fraud alert or credit freeze on your accounts to prevent further identity misuse.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

As a home seller, one of the most important questions to ask your agent is how to determine your home\u2019s listing, or asking, price. Here is what sellers should know about home pricing:

What characteristics of my home will my agent evaluate?

Agents will consider many factors when determining their recommended listing price, including, but not limited to, your home\u2019s size, location, amenities, and property condition.

How does the market affect home pricing?

In addition to the specific characteristics of your home, current market conditions can have a significant impact on your ultimate asking price. For example, in a market where high interest rates are discouraging prospective home buyers, your agent may recommend lowering the asking price to attract more buyers. Neighborhood developments and trending buyer preferences will also help your agent fine-tune their pricing strategy.

What are \u201ccomps\u201d?

Comparable sales, or comps, are similar properties that have recently sold in the same area and are used to create a comparative market analysis (CMA). A CMA is an estimate of a property\u2019s value based on comps in the market area that have recently sold, are under contract, or are currently active. This research will help your agent determine your home\u2019s suggested listing price.

What if I want to sell my home as quickly as possible?

Your agent will factor your goals and timeline into their listing price recommendation. If you want to sell quickly, you may price your home more competitively, while sellers who have more time may set a higher asking price.

Are there any actions I can take to increase my home value?

In addition to evaluating the condition of your property, your agent will consider any upgrades or renovations that may increase its value, as well as any issues or repairs that may need to be addressed before listing. You can work with your agent as you prepare to sell your home to decide how best to maximize your home\u2019s value through these potential actions. You may also consider offering certain concessions to help attract buyers, such as covering the cost of home repairs.

Can I ask multiple agents how they would price my home before deciding who to work with?

Yes. While you may receive similar recommendations from different agents, an agent\u2019s familiarity with your property\u2019s market may affect their suggested listing price. You can meet with multiple agents before choosing your preferred agent and signing a listing agreement, which includes the established listing price for your home.

Do I have the final say on my asking price?

Yes. Your agent will work with you to recommend a listing price that best meets your goals, but you have the final say. However, a key benefit of working with agents who are REALTORS\u00ae is leveraging their expertise and knowledge of useful tools, such as the REALTORS\u00ae Property Resource, to help inform these decisions.

Is it ever a good idea to accept an offer below my listing price?

Your agent will help you evaluate offers. Sometimes the highest offer is not the best offer\u2014cash offers, for example, can speed up the sale process. Contingencies, or the absence of, can also have an impact on the strength of an offer.

Why might my agent recommend lowering my listing price?

While the decision to lower the asking price will depend on your specific goals, your agent may recommend considering a lower ask for a variety of reasons, including factors that are dependent on the current market conditions.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Closing day is an exciting milestone for buyers and sellers alike. To complete the process of a home sale, a property\u2019s ownership rights are formally transferred from the seller to the buyer. Here\u2019s what you should know about deeds and titles:

What is a deed?

A deed is a legal document that formally transfers ownership of a property from the seller to the buyer. While contract requirements vary by state, all deeds must include the names of both parties and the seller\u2019s signature at a minimum. Many also require the buyer\u2019s signature and a description of the property. Deeds are typically filed with the government as part of the public record.

What is a title?

While a deed is a physical document, a title is an abstract concept of ownership rights to a property, which is transferred to the new owner through the deed. The transfer of a property title triggers a one-time transfer tax separate from annual property taxes, which can be paid by either the buyer or seller, depending on local laws.

Are there different types of deeds?

Yes. The ownership rights of a property can vary depending on the type of deed, and an agent who is a REALTOR\u00ae can help you find information on what rights are granted by your deed. However, most home sales use general-warranty deeds, which provide the highest level of protection for buyers. This type of deed guarantees the buyer full legal ownership and the right to sell the property.

What is a title search?

Title searches\u2014an important step between signing and closing on a home\u2014identify clouds on a title, such as liens, which are legal claims on a person\u2019s property by their creditor to recover an unpaid debt or obligation. Liens can cause significant complications for property sales, and lenders may not be willing to finance homes with outstanding liens. Some sellers may offer to cover the costs of a title search as a concession to help attract buyers or close a deal. If you are financing your home with a mortgage, your lender will typically require a title search to verify the seller owns the home.

What is title insurance?

While homeowners insurance covers unexpected losses or damages toat your home or property, title insurance protects your actual ownership right to your home. This can include protection against fraudulent claims against your ownership, as well as mistakes made in earlier sales, like name misspellings or inaccurate property descriptions.

Is title insurance required?

If you are financing your home with a mortgage, your lender will require title insurance because it protects them from defects in the title and ensures the validity and enforceability of the mortgage document. However, in addition to the policy your lender requires to protect their investment\u2014which is equal to the amount of your mortgage at its inception\u2014you may choose to purchase an owner\u2019s policy that provides coverage up to the purchase price of the home.

Will I have a deed and title if I buy a home in an HOA community or condo?

Owners of individual properties in a homeowners association (HOA) community hold the deed and title to their property and lot, just as they would for a home without an HOA. However, because HOAs enforce rules and regulations for residents and their properties, there may be deed restrictions regarding property use (such as for modifications) dictated by an HOA\u2019s covenants. Similarly, condo owners typically hold the deed to the units they live in but also have an ownership interest in the building\u2019s common areas.

How do ownership rights work for co-ops?

Unlike condos or homes in HOA communities, individuals living in a co-op own shares in the entire complex and have a proprietary lease on a specific apartment, rather than a traditional deed.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

When selling a home, sellers must disclose certain characteristics of the property to potential buyers. An agent who is a REALTOR\u00ae can help you understand why and what you need to disclose, but here are the basics:

What are seller disclosures?

Seller disclosures are certain material defects\u2014elements of a home that may negatively impact its value\u2014that sellers must disclose to buyers in a legal document. While specific disclosures are dependent on state and local law, sellers are typically required to list any completed repairs, information about natural hazards, property defects, missing essentials, land-use limitations, HOA guidance, deaths on the property, and any other conditions that might negatively impact the property\u2019s value. Your agent can help you consult state and local law to see what you are required to disclose.

Why are seller disclosures important?

Seller disclosures are important because they help protect both the buyer and the seller. The disclosures allow buyers to choose whether they want to make an offer on the house based on what the seller is disclosing about the property, or can influence the offer amount. For sellers, the disclosure can help protect them from legal liability, meaning they will not be responsible for any issue that arises on the property after the sale as long as it was previously disclosed.

Where are seller disclosures listed?

Seller disclosures are listed on a legal document called a \u201cseller disclosure form\u201d or a \u201cproperty disclosure statement.\u201d Most states have a standard template that the seller fills out, but some states allow the seller to disclose more conservatively, meaning that they are not required to provide as much disclosure detail. Your agent can help you understand the correct way to list your disclosures according to your state\u2019s laws.

Which defects, if any, need to be disclosed?

Consult with your real estate professional to help understand what defects need to be disclosed. While it is not required, you can also conduct a home inspection before listing, which can help identify potential issues that you can consider repairing before showing your home to potential buyers and use as a differentiator for your property. If you uncover possible issues that may appear during a buyer\u2019s inspection, you will have time to make any necessary changes that could impact your home\u2019s asking price, as well as defects you may need to disclose depending on state laws.

What if there are no defects that need to be disclosed?

A seller can state that there are no material defects on a property on the disclosure form. However, even if you are unsure as to whether a potential defect needs to be disclosed, it is best practice to disclose it to avoid potential legal liabilities in the future.

When do material defects need to be disclosed?

In most states, seller disclosures are often required before the buyer signs a binding contract of sale, and some sellers choose to disclose as early as home tours. However, sellers should check with state and local guidance, as conditions vary by state.

What happens if a material defect about a property is not disclosed?

If a seller knowingly withholds information regarding a required seller disclosure, there may be legal consequences. A buyer could cancel the sale, or the seller could be legally liable. Sellers should be honest with any and all details they are required to disclose about the home.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

NAR\u2019s new MLS policy is being implemented across the country through September 30, 2025. Please note that delayed marketing-exempt listings may not be available in all markets until that date.

Home sellers looking to market their homes may have different preferences for how they do so. An agent who is a REALTOR\u00ae can help you craft a marketing strategy that best suits your needs. Here are the basics:

What role do MLSs play in marketing a home?

Multiple Listing Services (MLSs) are online platforms that compile home listings from brokerages in a given market. MLSs can help sellers reach the largest pool of prospective buyers, as they allow other agents to see, share, and promote homes for sale. MLSs also share listings with public, consumer-facing websites that collect and display available homes for sale. Many MLSs require that your agent add your home listing within one business day after your property is publicly marketed (for example, putting a \"For Sale\" sign in the yard or posting about your home on social media), which ensures equal opportunity and access and promotes fair housing.

What if I want certain control over where and how my listing is shown?
There are options for sellers who would like to limit the exposure of their home listing for privacy or other reasons. NAR calls these \"exempt listings,\" and there are two types:

Office Exclusive Exempt Listing:
This type of listing means that your property will \tnot be shared on an MLS or publicly marketed. It will only be available to other \tagents at your listing agent's brokerage. While your agent may still need to submit \tyour listing to the MLS to comply with local MLS requirements, it will not be visible \tto other agents with MLS access.

Delayed Marketing Exempt Listing:
This type of listing means that your property \twill be shared on an MLS, but it will not be available for others to advertise through \tIDX and Syndication for a set period of time (aka the \"delayed marketing\" period, \twhich varies locally). IDX and Syndication are advertising mechanisms, which allow \tothers to advertise listings on their public, consumer-facing websites. You may \thave browsed some of these sites yourself! While your property is in the delayed \tmarketing period, you and your agent can advertise your home as much or as little \tas you'd like, in any manner you'd like (e.g., listing broker's website, yard signs, ads \tin the paper, etc.). Your agent will work with you to determine the right approach for \tyou and your home.

How will my agent find buyers through an office- exclusive listing?

Sellers who choose to pursue the office exclusive route can find buyers directly through the listing firm. This means that buyer's agents at the firm with clients who may be interested in purchasing the home can connect with the listing agent to discuss an offer.

How will my agent find buyers through a delayed marketing listing?

During the delayed marketing period, home sellers and their listing agents can still market the listing to buyers in a way that fits the sellers' needs and goals. Buyer's agents with access to the MLS will see your delayed marketing listing and can reach out to your listing agent if the buyer's agents believe their clients may be interested in purchasing your home.

What is the first step if I want to pursue an exempt listing option?

If you determine you'd like to pursue an office exclusive or delayed marketing exempt listing, your agent will ask you to sign a disclosure in which you will acknowledge that you are waiving the benefits of the MLS and/or public marketing\u2014either entirely or for a set period of time (through IDX and syndication).

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

If you choose to work with a real estate professional to sell your home, one of the first things you\u2019ll do is negotiate and sign a listing agreement with the agent you\u2019ve selected. Here\u2019s what you need to know:

What is a listing agreement?

A listing agreement is a contract between you and your agent that says the agent can represent you and market your property to potential buyers and their agents and establishes the sales price for your home. It will also lay out the type of professional representation and services your agent will provide and what they will be paid for those services. Agent compensation is fully negotiable and not set by law.

What are my options for agent representation?
The options available may vary based on where you are selling your home or who you are working with. Some of the most common arrangements include:

Exclusive Agency Listing Agreement:

You work with just one agent and agree to compensate them if they sell your home. This allows you to retain the option to sell your home yourself without having to compensate your agent for the sale.

Exclusive Right-to-Sell Listing Agreement:

You work with just one agent, but you are responsible for your agent\u2019s compensation no matter who sells the property.

Limited-Service Listing Agreement:

You work with just one agent who provides a limited set of services, such as publicly marketing your home on a Multiple Listing Service (MLS)\u2014an online platform that compiles home listings from different sources\u2014but may not provide other services, such as arranging showings, providing input on purchase offers, or supporting the negotiation process.

Non-Exclusive Listing Agreement:

You work with one agent or multiple agents and agree to compensate the agent who ultimately sells your home.

What services might be included in a listing agreement?

The listing agreement typically lays out the agreed- upon methods your agent will use to sell your home. Your agreement might include information on how your property will be marketed. This could include listing on an MLS, offering a seller concession covering some costs associated with purchasing a home for the buyer, or offering compensation to a buyer\u2019s agent. Read more about MLSs, offers of compensation, and seller concessions.

Are offers of compensation mandatory?

No. It is up to you to determine if making or authorizing an offer of compensation is the best approach for selling your property. Agents who are REALTORS\u00ae are here to help guide you on marketing strategies so that you can make a decision that works for you.

How do I know what will work best for me?

When you work with a REALTOR\u00ae, you are working with a professional guided by ethical duties under the REALTOR\u00ae Code of Ethics.pdf, including the pledge to protect and promote the interests of their clients. Your agent will work with you to help you understand the market and to weigh your options, answer questions, and reach an agreement that you are confident in. If you have any concerns about your agreement or don\u2019t understand it, you should consult an attorney.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

If you\u2019re ready to sell your home, you should feel empowered to find and work with the agent who is the best fit for your needs. Here are ten questions you should consider when selecting an agent:

1. Are you a REALTOR\u00ae?

2. What types of services can you provide me?

Your agent can help you with marketing your property, interfacing with buyer\u2019s agents, handling showings and open houses, negotiating the purchase agreement on your behalf, assisting throughout the closing process, and more.

3. Are you familiar with the market where I am selling my home?

Your agent must be licensed where you are selling your home. But they should also have the market knowledge to facilitate a successful transaction. While prior experience with the market where your property is located is not a requirement, local knowledge could help your agent develop a strategy that resonates with local buyers.

4. What will be included in our listing contract?

At the outset of your relationship, you and your agent will sign a listing agreement that says the agent can represent you and market your property to potential buyers and their agents, and establishes the sale price for your home. It will also lay out the type of professional representation your agent will provide and what they will be paid for those services. Remember that agent compensation is fully negotiable and not set by law.

5. How did you arrive at your suggested list price for my home?

Setting a strong initial asking price based on your agent\u2019s knowledge of the market is important for capturing buyer interest and securing the best possible offer. Your agent should conduct market research to determine an appropriate price that both attracts prospective buyers and ensures you receive a fair market value for your home.

6. How will you market my home?

Agents may use a variety of marketing methods to reach potential buyers, and they should walk you through the pros and cons of each option. For example, one tool agents use to market properties is a Multiple Listing Service (MLS), an online platform that compiles home listings from brokerages in a given market, to reach the largest possible pool of buyers and potentially attract the best offer.

7. How do I attract potential buyers?

There are many strategies that may help attract potential buyers. For example, offers of compensation\u2014when you or your agent compensate another agent for bringing a buyer to successfully close the transaction\u2014and seller concessions\u2014when you cover certain costs associated with purchasing a home for the buyer\u2014may lead to a better or faster offer by reducing out-of-pocket and upfront expenses for prospective buyers.

8. What do I need to do to get my house ready?

To prepare your home for listing, your agent may suggest investing in necessary repairs or other upgrades that may help enhance buyer interest infor the property.

9. How will you vet potential buyers?

An important part of selling your home is ensuring that prospective buyers are financially prepared to follow through with their offer. Discuss with your agent how they plan to evaluate prospective buyers, which may include requiring a pre-approval letter to be submitted alongside the offer.

10. Do you have references I can speak with?

Many agents will be happy to connect you with satisfied clients they have worked with in the past who can speak to their experience.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Once you decide to sell your home, your agent will work with you to determine the best strategy to reach potential buyers and attract strong offers. Here are some considerations when marketing your home:

What does it mean to market my home?

Marketing your home refers to different ways you can promote your home to attract potential buyers. This may include staging, professional photography, social media, signage, open houses, and competitive pricing. When selecting an agent to work with, it is important to ask how agents would consider marketing your home and what methods may be most effective.

How do buyers and other agents know I\u2019m selling my home?

Simple tools like placing a \u201cfor sale\u201d sign outside your home can advertise an open house or attract attention from the public. Listing on Multiple Listing Services (MLSs)\u2014online platforms that compile home listings from brokerages in a given market\u2014usually provides the broadest exposure to prospective buyers.

How can showings and open houses help me attract buyers?

Showings and open houses give potential buyers a chance to see a property in person and ask questions. While showings require appointments, open houses allow sellers and agents to meet with multiple potential buyers at the same time.

How do I arrange showings and open houses?

Your agent will help you schedule and plan for these events, including making sure your home looks great for visitors, potentially through staging. Timing considerations are also important: holding your first open house the weekend after your property goes on the market can help maximize exposure, but you should also consider any competing events that may be a conflict for interested buyers.

How can staging and other cosmetic updates make my home more marketable to potential buyers?

Before taking photos of your home for marketing materials or holding showings and open houses, you should consider maximizing the visual appeal of your home. While you are not required to make any cosmetic updates, cleaning and decluttering, including cleaning the windows, carpets, lighting fixtures, and walls, can make a big difference. You may also consider staging, the process of cleaning a home and temporarily filling it with furniture and decorations that may help buyers better see themselves living in the home. Some agents may include staging in the services they provide you.

What is \u201ccurb appeal\u201d?

Curb appeal refers to how a home looks to potential buyers when viewed from the street. Your agent may recommend updates to landscaping or paint jobs to improve your home\u2019s external appearance, as this will affect visitors\u2019 first impression of your property.

What role does home pricing play in marketing?

Competitively pricing your home can help attract potential buyers. Based on your goals and how quickly you want to sell your home, your agent may recommend a more competitive listing price, which can help expand your pool of interested buyers.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Once you decide to sell your home, you might have questions about how to prepare it for listing and viewing by potential buyers. An agent who is a REALTOR\u00ae can guide you through this process. Here are some common considerations as you prepare your home to sell:

How do I find the right agent to sell my home?

You should feel empowered to find and work with the agent who is the best fit for your needs. To guide this process, NAR has a dedicated resource with questions to consider when selecting a seller\u2019s agent. When you work with an agent who is a REALTOR\u00ae, you are working with a professional guided by ethical duties under the REALTOR\u00ae Code of Ethics, including the pledge to protect and promote the interests of their clients.

Do I need to have my home inspected before putting it up for sale?

No, a pre-sale inspection is not required. However, an inspection can be used to identify potential issues in your home that you can consider repairing before showing your home to potential buyers, and use as a differentiator for your property. If you choose to conduct a pre-sale inspection, an inspector will assess your home\u2019s condition, including its structure, exterior, roof, plumbing, electrical systems, heating and air conditioning, interiors, ventilation / insulation, and fireplaces. It may also include tests for problems that can affect human health, like mold, radon gas, lead paint, and asbestos. Sometimes buyers may also conduct their own inspection as a contingency in their purchase agreement. If you uncover possible issues that may appear during a buyer\u2019s inspection, you will have time to make any necessary changes that could impact your home\u2019s asking price. You should also talk to your agent about disclosure requirements in your state if a pre-sale inspection uncovers an issue.

What should I do if something in my home needs to be fixed or replaced soon?

If something in your home requires a significant repair\u2014such as a roof, a system such as HVAC, or an appliance like a dishwasher or washer / dryer\u2014you should determine how much the repair will cost, even if you do not plan to fix it before selling the home. These estimates will help sellers determine the costs that buyers might take into consideration when negotiating a purchase agreement.

Am I required to make any cosmetic updates to my home before putting it up for sale?

No, but you may want to clean the windows, carpets, lighting fixtures, and walls, and store away clutter before showing your home to potential buyers. Sellers may also look for ways to improve \u201ccurb appeal\u201d\u2014how the home looks to a potential buyer when viewed from the street\u2014by updating aspects such as landscaping, the front entrance, and paint jobs. These steps may help improve the home\u2019s appearance in photos, which can play an important role in attracting potential buyers.

Do I need to provide information about appliances that will stay in the home after it\u2019s sold?

You should locate warranties, guarantees, and user manuals for the furnace, washer / dryer, dishwasher, and any other appliances or systems that will stay in the house with a new buyer. It is recommended that you find these items now to avoid any lost paperwork causing an issue with a potential buyer when you reach the time of finalizing, or \u201cclosing,\u201d the transaction.

What does it mean to stage my home?

Staging is the process of cleaning a home and temporarily filling it with furniture and decorations that may help buyers better see themselves living in the home. While it is not required, some sellers may work with a stager to focus on certain key areas of their home that are important to buyers. Some agents may also include staging in the services they provide you.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

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div > div.widget-wrapper.widget-wrapper-5 > div > div.cards-section-background > div > div > div > div > div:nth-child(2) {\n color: #004282;\n font-size: 30px;\nfont-weight: 900;\ntext-align: center;\nline-height: 34px;\n}\n}\n\n.cards-section-card {\nmax-height:500px;\n\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-5 > div > div.cards-section-background {\n border-bottom: 10px solid #004282;\npadding-top: 0px;\n}", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 10668, "archived": false, "name": "Tax Bill", "action_center": 4278, "path": "/TaxBill/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"text": "Breaking Down the Tax Bill: Big News for Homebuyers and Sellers.", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2025-07-08/92b59a5712b60afc54f6c8c850176f47/nNqfIzOZw3XrXxGQpwhu_HomePage_TaxRefom_2.0_FINAL.jpg", "includeText": true, "imageContain": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "Big Wins for Homeowners and Homebuyers in the New Tax Bill", "content": "

The American Dream of homeownership just got a little brighter.

New legislation was just signed into law, delivering meaningful benefits for homeowners, future homebuyers, and the broader housing economy. The new law includes key provisions that protect and promote homeownership, ease the tax burden for families, and invest in building more homes nationwide.

Here\u2019s what\u2019s in the bill that benefits you:

Lower Taxes, Permanently

The bill locks in lower individual tax rates, giving families and individuals more room in their budgets to save, invest, and buy a home.

Bigger SALT Deductions

Starting in 2025, the cap on deductions for state and local taxes (SALT) will be temporarily quadrupled, making homeownership more affordable for millions of Americans, especially in higher-tax states.

Mortgage Interest Deduction, Protected

Homeowners can continue to deduct the interest paid on their mortgages, one of the most important financial benefits of owning a home.

More Help for Independent Workers

Whether you\u2019re self-employed or run your own small business, the 20% deduction for qualified business income (Section 199A) is now permanent, putting more money in your pocket for housing.

Expanded Child Tax Credit

Families will benefit from an increased child tax credit of $2,200 per child, indexed to inflation, to help parents better manage the cost of housing and other essentials.

Support for Affordable Housing

The bill enhances the Low-Income Housing Tax Credit, which supports the development of more affordable homes and apartments across the nation.

Stronger Generational Wealth Tools

With a higher estate and gift tax threshold (now $15 million), families can preserve and pass on their home equity and other assets without a significant tax burden. This helps you Plant Roots and Grow Wealth.

Why It Matters

This bill includes major wins for housing, supporting first-time buyers, protecting existing homeowners, and encouraging the construction of more affordable homes. Whether you already own a home or hope to buy one soon, these changes are designed to support your goals, reduce your tax burden, and help build long-term financial security.

This legislation helps Americans build a future where more people can find and afford a place to call home.

This is progress we can all see from the front porch.

Welcome to Property Action

Whether you\u2019re a current homeowner or taking your first steps toward owning your first home, we are a resource and advocate who will support you through each phase of the homeownership journey.

", "title": "Who We Are", "buttonUrl": "/about/?", "mediaType": 1, "buttonText": "Find Out More", "hideCtaButton": false, "isLeftAligned": true, "useBackgroundColor": false}, "widgetType": 23}, {"props": {"text": "Discover the latest homeownership issues and advocacy efforts happening in your\nstate. Stay connected and make an impact locally. Get local news, opportunities\nto take action on state advocacy campaigns and learn more about your state's\nproperty rates.
\n
\n", "title": "Homeownership in Your State", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-12/2a91afae54a662aa8a9f00f945b888d7/US5yXJ1hCxCcS6sQ65sh_NAR_USMAP.png", "buttonUrl": "/GetLocal/", "mediaType": 2, "buttonText": "Learn More", "imageContain": true, "hideCtaButton": false, "isLeftAligned": false, "backgroundColor": "#e9e9eb", "useBackgroundColor": true}, "widgetType": 23}, {"props": {"text": "

Watch Their Journey Home

Discover inspiring stories from the real lives of people who recently overcame affordability hurdles, navigated competitive markets and took their first bold steps toward homeownership.

\n
Estimated Property Tax Rate: 1.20%; Median Taxes Paid: $4,836.00\" data-id=\"MA\" d=\"m 956.31178,153.05085 -0.29118,-0.19412 0,0.29119 0.29118,-0.0971 z m -2.91189,-2.6207 0.67944,-0.29119 0,-0.38825 -0.67944,0.67944 z m 12.03583,-7.57092 -0.0971,-1.35889 -0.19412,-0.7765 0.29119,2.13539 z m -42.41659,-9.9975 -0.67944,0.29119 -5.5326,1.65007 -1.94126,0.67944 -2.23245,0.67944 -0.7765,0.29119 0,0.29119 0.29118,5.04728 0.29119,4.65903 0.29119,4.27078 0.48532,0.29119 1.74714,-0.48532 7.86211,-2.32951 0.19412,0.48531 13.97709,-5.33847 0.0971,0.19413 1.26182,-0.48532 4.4649,-1.74713 4.27078,5.14434 0,0 0.58238,-0.48531 0.29119,-1.45595 -0.0971,2.32952 0,0 0.97063,0 0.29119,1.16475 0.87357,1.65008 0,0 4.56197,-5.5326 3.78546,1.26182 0.87357,-1.94126 6.21204,-3.30015 -2.62071,-5.14435 0.67945,3.30015 -3.20309,2.42658 -3.59133,0.29119 -7.18267,-7.66799 -3.20309,-4.85315 3.20309,-3.39721 -3.30015,-0.19413 -1.35888,-3.20308 -0.0971,-0.19413 -5.53259,6.01791 -12.22996,4.07666 -3.97959,1.26182 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Minnesota
Estimated Property Tax Rate: 1.10%; Median Taxes Paid: $2,606.00\" data-id=\"MN\" d=\"m 558.54712,73.847349 1.94126,6.891482 4.07665,24.848159 1.94126,9.90044 0.58238,8.73568 2.23246,5.24141 0.48531,4.4649 0.38825,1.45595 -0.0971,0.29119 -3.88252,6.40616 2.52364,4.27078 4.85315,34.16622 0.19413,4.4649 4.85315,-0.29119 19.12144,-1.06769 47.75505,-3.97959 4.7561,-0.48532 0,-0.48531 -1.35889,-7.47386 -5.92085,-3.00896 -4.65903,-4.85315 -7.37679,-4.46491 -2.32952,-0.19412 -3.59133,-2.71777 0.97063,-13.39471 -3.39721,-3.10602 1.16476,-5.43554 6.21204,-5.62966 -1.0677,-11.64757 2.23245,-2.52364 0,0 7.57093,-7.95918 8.63861,-11.065195 3.30015,-2.329514 5.82379,-2.814831 6.11497,-4.561967 -4.07665,0.776505 -2.42658,-1.844199 -9.31806,1.261821 -1.45594,-1.747136 -8.34743,3.397209 -6.69736,-2.814831 -1.84419,-2.232452 -5.33848,0.388253 -3.59133,-1.844199 1.16476,-1.358884 -4.56197,-1.455947 -4.07665,0 -6.50323,2.814831 -1.26182,-1.941263 -10.28869,-1.455947 -3.49427,-8.73568 -0.38826,-2.620705 -4.4649,-1.26182 0.38825,7.47386 -11.8417,0.873568 -14.65653,0.582379 -0.97063,0.09706 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Montana
Estimated Property Tax Rate: 0.80%; Median Taxes Paid: $2,026.00\" data-id=\"MT\" d=\"m 465.65771,72.973781 -32.12789,-2.135389 -23.39221,-2.232451 -23.29515,-2.717768 -14.46241,-1.941262 -23.10102,-3.591336 -11.55051,-1.941262 -25.81879,-4.950219 -2.71777,-0.582379 -4.17371,19.800877 1.8442,3.591335 1.45595,5.532598 -0.87357,0.776505 1.8442,5.047282 2.52364,2.135389 7.18267,12.035829 0.67944,2.03832 2.91189,-0.19412 -3.39721,15.91835 -1.35888,0.38825 -1.8442,5.33847 9.60925,0.67944 0.77651,4.46491 5.43553,13.29765 0.97063,0.7765 3.78546,7.76505 0.97063,-0.7765 8.05624,-0.0971 10.19163,1.0677 2.52364,-3.30015 3.00896,5.43553 0.58238,0.29119 0.0971,-0.58237 1.35888,-9.51219 33.19559,4.07665 26.49823,2.52364 13.97709,1.16476 24.94522,1.45595 1.26182,0.0971 0.29119,0 0.0971,-1.35888 0.29119,-6.69736 0.38825,-8.83274 0.0971,-2.23246 0.19413,-3.88252 1.55301,-30.47782 1.26182,-23.683401 0.0971,-3.882525 -1.8442,-0.09706 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n North Dakota
Estimated Property Tax Rate: 1.00%; Median Taxes Paid: $1,977.00\" data-id=\"ND\" d=\"m 556.50879,73.847349 -29.31306,0.582379 -20.48032,-0.09706 -17.56842,-0.388253 -20.57738,-0.776505 -1.0677,-0.09706 -0.0971,3.882525 -1.26182,23.683405 -1.55301,30.47782 -0.19413,3.88252 3.78546,0.19413 42.80484,1.16476 39.50469,-0.29119 16.40367,-0.48532 3.30014,-0.19412 -0.38825,-1.45595 -0.48531,-4.4649 -2.23246,-5.24141 -0.58238,-8.73568 -1.94126,-9.90044 -4.07665,-24.848163 -1.94126,-6.891482 -2.03833,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Hawaii
Estimated Property Tax Rate: 0.30%; Median Taxes Paid: $1,788.00\" data-id=\"HI\" d=\"m 416.34965,514.99923 -3.00896,-2.23245 -2.6207,0.67944 0.58238,5.43553 -3.59134,4.46491 3.10602,7.08561 0.87357,7.27973 3.59133,2.32951 2.23246,-3.59133 3.97958,-2.91189 4.85316,-1.26183 5.33847,-4.56196 -5.24141,-4.46491 -0.0971,-2.71776 -9.9975,-5.5326 z m -17.66549,-7.86211 -1.45595,-1.26182 -1.35888,1.8442 2.81483,-0.58238 z m -7.27973,-4.17372 0.38825,-3.59133 -1.8442,-0.29119 1.45595,3.88252 z m 6.11497,-5.92085 -1.65007,0.77651 1.16476,3.6884 2.52364,0.19412 0.7765,3.20308 2.71777,1.16476 6.01791,-2.81483 -5.62966,-4.65903 -5.92085,-1.55301 z m -12.42408,-3.97959 -0.87356,2.62071 4.17371,-0.0971 3.88252,0.97063 -2.03832,-3.20309 -5.14435,-0.29119 z m -12.22995,-7.66798 -2.23245,-2.13539 -4.27078,3.30015 2.71777,5.04728 1.94126,-2.03833 5.5326,1.16476 -0.48532,-2.32952 -3.20308,-3.00895 z m -43.48428,-4.27078 0.58238,-1.35888 1.65007,-0.87357 -2.23245,2.23245 z m 15.43304,-8.83274 -6.79442,2.52364 -0.67944,1.8442 2.71777,1.94126 3.78546,0.97063 2.71776,-5.33847 -1.74713,-1.94126 z m -47.07561,-17.85962 0,-0.0971 -0.19413,0 0.19413,0.0971 z m -51.44346,-12.71527 0,0.19413 0.0971,0 -0.0971,-0.19413 z m -26.98355,-4.4649 0.0971,0.0971 0,0 -0.0971,-0.0971 z m -1.06769,-1.94126 0,0 0,0 0,0 z m -0.87357,-0.97063 -0.19412,0 0,0.0971 0.19412,-0.0971 z m 0.67944,0 -0.0971,0 0.0971,0 0,0 z m -0.0971,-0.0971 0,0 0,0.0971 0,-0.0971 z m -30.47782,-25.04228 -0.0971,-0.29119 0,0.0971 0.0971,0.19413 z m -66.48824,-21.25682 -0.29119,0.29118 0.19413,0.0971 0.0971,-0.38825 z m -70.370758,-49.01688 0,0 0,0 0,0 z m 2.426578,0.0971 -0.09706,0 0,0 0.09706,0 z m -0.485316,-0.0971 0,0 0,0 0,0 z m -41.445952,-18.1508 0.291189,-0.0971 0,-0.19412 -0.291189,0.29119 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Idaho
Estimated Property Tax Rate: 0.70%; Median Taxes Paid: $1,553.00\" data-id=\"ID\" d=\"m 309.0949,52.881715 -8.63862,-1.747136 -2.81483,-0.679442 -1.26182,-0.291189 -11.25932,50.666952 0.48532,4.17371 -0.38826,4.36784 0.19413,0.97063 0,0.0971 0.0971,1.84419 3.30015,3.59134 -4.75609,11.93876 -10.09457,13.20059 -0.29119,2.42658 2.62071,6.21204 -9.221,38.24287 -0.38825,2.03832 2.71776,0.58238 27.46887,5.43553 10.96813,2.03833 2.81483,0.48532 2.71777,0.48531 13.97709,2.23245 25.04228,3.78546 2.81483,0.38826 0.38825,-3.20309 0.87357,-6.3091 3.30015,-25.23641 1.74714,-12.52114 0.38825,-3.20309 -0.58238,-0.29119 -3.00896,-5.43553 -2.52364,3.30015 -10.19163,-1.0677 -8.05624,0.0971 -0.97063,0.7765 -3.78546,-7.76505 -0.97063,-0.7765 -5.43553,-13.29765 -0.77651,-4.46491 -9.60925,-0.67944 1.8442,-5.33847 1.35888,-0.38825 3.39721,-15.91835 -2.91189,0.19412 -0.67944,-2.03832 -7.18267,-12.035829 -2.52364,-2.135389 -1.8442,-5.047282 0.87357,-0.776505 -1.45595,-5.532598 -1.8442,-3.591335 4.17371,-19.800877 -0.0971,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Washington
Estimated Property Tax Rate: 1.00%; Median Taxes Paid: $3,513.00\" data-id=\"WA\" d=\"m 192.13384,77.050432 0.0971,-1.650073 -0.19412,0.09706 0.0971,1.55301 z m 20.67445,-8.832744 0.58237,-0.970631 -0.67944,-0.09706 0.0971,1.067694 z m -1.8442,-1.747136 0.58237,-1.941262 -0.58237,-0.194127 0,2.135389 z m 7.0856,-2.814831 -0.0971,-1.941262 -1.65007,2.523641 1.74713,-0.582379 z m 0.19413,-4.076651 0.29119,-1.941262 -0.19413,-0.485316 -0.0971,2.426578 z m 0.29119,-9.512185 -0.0971,-1.067695 -0.38826,-0.09706 0.48532,1.164758 z m 3.10602,-6.406166 -0.87357,-0.09706 -1.74713,2.717767 2.6207,-2.620704 z m -2.42658,-2.620705 0.48532,-0.388252 0.0971,-0.291189 -0.58238,0.679441 z m -0.48531,0.29119 -0.29119,-1.941263 -0.87357,1.650073 1.16476,0.29119 z m -0.48532,-2.717768 -0.87357,-0.388252 0.67944,0.970631 0.19413,-0.582379 z m 2.91189,1.650074 0,-1.261821 -0.29119,0.485316 0.29119,0.776505 z m 0.87357,-1.261821 -0.38825,-0.291189 -0.0971,0 0.48531,0.291189 z m -5.5326,-2.135389 -0.48531,-0.388252 -0.19413,-0.09706 0.67944,0.485315 z m 3.59134,-0.388252 -2.6207,0.679442 0.67944,0.194126 1.94126,-0.873568 z m -2.13539,-0.194126 -0.48531,-0.582379 -0.0971,0.09706 0.58238,0.485316 z m 2.03833,-1.164758 -0.38826,0 0.48532,0.194126 -0.0971,-0.194126 z m -19.02438,49.793381 3.49428,3.785461 -0.58238,7.279734 0.67944,1.8442 5.24141,2.81483 14.75359,1.35888 0.58238,1.74714 6.98855,0.0971 6.60029,0.87357 10.774,-1.16476 5.33848,0.87357 1.45594,-0.67944 27.27474,6.21204 1.8442,0.38825 -0.19413,-0.97063 0.38826,-4.36784 -0.48532,-4.17371 11.25932,-50.666952 -1.55301,-0.29119 -22.71277,-5.338471 -19.80087,-5.047282 -22.42159,-6.21204 -6.69735,-1.650073 1.55301,8.444491 -1.45595,2.717768 -2.6207,-1.358884 2.52364,11.744637 -2.71777,3.882525 -1.26182,3.591336 0,3.688398 -5.72672,3.979588 -2.42658,-1.55301 -2.32952,1.164758 4.27078,-5.532598 -1.06769,3.785462 2.42658,-2.620705 1.94126,0.388253 -0.58238,-4.853156 1.26182,0.194126 2.6207,-5.823787 -0.87356,-0.873568 -3.39721,4.36784 -2.23246,0.09706 2.42658,-2.717767 2.71777,-0.679442 -0.97063,-4.950219 -2.71777,-0.679442 -1.35888,-2.329515 -1.65008,0.873568 -8.9298,-3.882524 -7.86211,-6.114977 -2.13539,5.92085 -0.19413,2.523641 1.65007,4.464904 -1.06769,14.462405 -0.77651,2.232452 4.36784,0.388252 -4.36784,3.10602 2.32952,1.164757 -1.8442,6.21204 -0.87357,-4.853156 -1.65007,5.629661 2.23245,2.717767 2.42658,-0.194126 2.91189,1.747136 1.45595,2.814831 1.74713,0 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Arizona
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $1,559.00\" data-id=\"AZ\" d=\"m 372.18593,309.90486 -32.71027,-4.07665 -17.56843,-2.52365 -25.04228,-3.97958 -2.52364,-0.38826 0,0.19413 -4.27078,18.83025 -2.23245,-0.0971 -3.39721,-3.00895 -4.27078,3.59133 -0.0971,15.43304 -1.55301,3.30014 0,0.29119 0,0.0971 -0.19413,2.42657 3.39721,9.12394 3.00896,4.07665 -5.43554,3.20308 -2.13539,3.97959 -3.49427,8.54155 -1.74713,0.38826 -0.0971,7.0856 3.00896,2.23246 -1.55301,4.27077 -3.49427,0.19413 0,0 -2.03833,3.78546 6.98855,4.36784 13.20058,7.3768 40.76651,21.64507 34.55447,4.27078 0.38825,0 2.71777,-28.63362 0.67944,-7.08561 7.27974,-75.12685 0.38825,-3.49427 -2.52364,-0.29119 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n California
Estimated Property Tax Rate: 0.70%; Median Taxes Paid: $3,994.00\" data-id=\"CA\" d=\"m 206.01387,363.77489 0.38825,2.13539 0,0.38825 -0.38825,-2.52364 z m -14.26828,-8.34743 0.67944,1.45595 0.38825,-0.0971 -1.06769,-1.35888 z m 16.98604,-0.29119 0.29119,2.52364 1.74714,1.26182 -2.03833,-3.78546 z m -11.74463,-13.78296 -1.0677,-0.29119 0.87357,0.38825 0.19413,-0.0971 z m -10.77401,-2.9119 -2.6207,1.55301 0.67944,0.67945 1.94126,-2.23246 z m -5.04728,-1.8442 -0.19413,0.77651 0.87357,0.19413 -0.67944,-0.97064 z m 8.54155,1.94127 4.27078,2.42658 0.77651,-0.67945 -5.04729,-1.74713 z m -33.09852,-85.51261 -0.0971,0.0971 0.0971,-0.0971 0,0 z m 10.38575,0.48531 -0.0971,-0.29119 0,0.38826 0.0971,-0.0971 z m 56.00542,-73.6709 -3.78546,-0.97064 -41.54301,-11.45344 -15.43304,-4.65903 0,0.38825 -0.87357,9.60925 -4.07665,11.35638 -6.79442,8.44449 -0.19412,4.27078 3.30014,5.92085 1.65008,7.76505 -2.32952,6.3091 0.38825,6.30911 -1.16475,2.6207 3.97958,8.63862 2.52364,3.30015 -0.19412,9.41512 6.01791,5.72672 3.49427,-5.82378 3.78547,3.00895 1.45594,-1.35888 -5.24141,0.97063 -0.0971,4.95022 1.0677,6.21204 -2.9119,-2.81483 -1.65007,-3.78546 -0.48532,5.2414 1.35889,10.38576 5.43553,6.69735 -3.59133,4.65903 0.58237,5.92085 3.88253,6.01792 6.79442,18.63612 2.13539,1.16475 -0.67945,12.9094 1.0677,1.55301 14.55947,5.24141 4.4649,4.75609 1.55301,3.10602 4.27078,2.42658 4.65903,0.87357 1.94126,5.33847 3.88252,1.8442 5.82379,6.89148 5.43554,9.02687 -0.38826,8.34743 3.00896,3.97958 39.69882,3.88253 0,0 3.49427,-0.19413 1.55301,-4.27077 -3.00896,-2.23246 0.0971,-7.0856 1.74713,-0.38826 3.49427,-8.54155 2.13539,-3.97959 5.43554,-3.20308 -3.00896,-4.07665 -3.39721,-9.12394 0.19413,-2.42657 0,-0.0971 -2.52364,-3.39721 -7.76505,-10.38575 -15.04479,-21.15976 -20.96563,-30.08957 -11.8417,-16.40366 -11.45345,-16.50074 13.20058,-56.00542 0.87357,-3.68839 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Colorado
Estimated Property Tax Rate: 0.50%; Median Taxes Paid: $1,868.00\" data-id=\"CO\" d=\"m 489.6323,255.54951 0.38826,-19.02437 -4.65903,-0.19413 -23.6834,-0.87357 -2.32952,-0.0971 -1.94126,-0.0971 -28.82775,-1.8442 -19.2185,-1.55301 -23.97459,-2.32952 -2.32951,-0.29119 -0.29119,2.52365 -5.24141,50.56988 -1.8442,17.66549 -0.7765,7.66799 -0.19413,2.52364 3.00896,0.29119 48.91981,4.27077 21.54801,1.35889 21.45095,0.97063 3.10602,0.0971 1.94126,0.0971 4.07665,0.0971 1.94127,0.0971 6.11497,0.19413 1.55301,0 0,-1.94127 1.0677,-51.34639 0.0971,-5.72672 0,-1.8442 0.0971,-1.26182 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Nevada
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $1,660.00\" data-id=\"NV\" d=\"m 294.82662,295.8307 10.09457,-62.79983 5.14434,-31.44846 0.58238,-3.10601 -2.81483,-0.48532 -10.96813,-2.03833 -27.46887,-5.43553 -2.71776,-0.58238 -2.71777,-0.58238 -13.6859,-3.00895 -24.55697,-5.82379 -2.71777,-0.67944 -0.87357,3.68839 -13.20058,56.00542 11.45345,16.50074 11.8417,16.40366 20.96563,30.08957 15.04479,21.15976 7.76505,10.38575 2.52364,3.39721 0,-0.29119 1.55301,-3.30014 0.0971,-15.43304 4.27078,-3.59133 3.39721,3.00895 2.23245,0.0971 4.27078,-18.83025 0,-0.19413 0.48531,-3.10602 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n New Mexico
Estimated Property Tax Rate: 0.80%; Median Taxes Paid: $1,399.00\" data-id=\"NM\" d=\"m 472.45213,324.75551 0.0971,-2.52364 0.0971,-2.52364 0.0971,-2.52364 -3.10602,-0.0971 -21.45095,-0.97063 -21.54801,-1.35889 -48.91981,-4.27077 -3.00896,-0.29119 -0.38825,3.49427 -7.27974,75.12685 -0.67944,7.08561 -2.71777,28.63362 0.38826,0.0971 13.39471,1.26183 1.26182,-6.79442 2.42658,-1.94127 27.17767,2.42658 0.19413,0 -2.42658,-4.75609 12.32701,0.87357 30.76901,1.74713 19.2185,0.87357 3.30015,-91.0452 0.67944,0.0971 0.0971,-2.62071 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Oregon
Estimated Property Tax Rate: 0.90%; Median Taxes Paid: $3,161.00\" data-id=\"OR\" d=\"m 162.2384,162.75717 15.43304,4.65903 41.54301,11.45344 3.78546,0.97064 2.71777,0.67944 24.55697,5.82379 13.6859,3.00895 2.71777,0.58238 0.38825,-2.03832 9.221,-38.24287 -2.62071,-6.21204 0.29119,-2.42658 10.09457,-13.20059 4.75609,-11.93876 -3.30015,-3.59134 -0.0971,-1.84419 0,-0.0971 -1.8442,-0.38825 -27.27474,-6.21204 -1.45594,0.67944 -5.33848,-0.87357 -10.774,1.16476 -6.60029,-0.87357 -6.98855,-0.0971 -0.58238,-1.74714 -14.75359,-1.35888 -5.24141,-2.81483 -0.67944,-1.8442 0.58238,-7.279734 -3.49428,-3.785461 -0.29118,0.09706 -0.67945,0.485315 -4.85315,-2.523641 -2.9119,0.873568 -1.94126,-0.970631 -2.03832,8.347429 -1.35889,2.329514 -6.01791,14.656531 -1.74714,8.05624 -1.06769,0.0971 -5.62966,13.39471 -3.78546,5.72672 -1.35889,0.97063 -3.49427,6.79442 -0.67944,7.18267 -2.13539,6.40617 1.26182,5.82378 0,0.0971 z m 35.5251,-79.688825 -0.29119,-0.873568 -0.0971,0.679442 0.38825,0.194126 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Utah
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $1,837.00\" data-id=\"UT\" d=\"m 352.38505,204.97962 -25.04228,-3.78546 -13.97709,-2.23245 -2.71777,-0.48531 -0.58238,3.10601 -5.14434,31.44846 -10.09457,62.79983 -0.48531,3.10602 2.52364,0.38826 25.04228,3.97958 17.56843,2.52365 32.71027,4.07665 2.52364,0.29119 0.19413,-2.52364 0.7765,-7.66799 1.8442,-17.66549 5.24141,-50.56988 0.29119,-2.52365 -1.94126,-0.19412 -24.7511,-3.00896 -3.78546,-0.48531 2.42658,-18.92731 0.19412,-1.26182 -2.81483,-0.38826 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Wyoming
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $1,380.00\" data-id=\"WY\" d=\"m 461.38694,192.16729 0.7765,-15.14184 0.97063,-20.38326 0.0971,-2.52364 -1.26182,-0.0971 -24.94522,-1.45595 -13.97709,-1.16476 -26.49823,-2.52364 -33.19559,-4.07665 -1.35888,9.51219 -0.0971,0.58237 -0.38825,3.20309 -1.74714,12.52114 -3.30015,25.23641 -0.87357,6.3091 -0.38825,3.20309 -0.19412,1.26182 -2.42658,18.92731 3.78546,0.48531 24.7511,3.00896 1.94126,0.19412 2.32951,0.29119 23.97459,2.32952 19.2185,1.55301 28.82775,1.8442 1.94126,0.0971 0.0971,-2.52364 0.48532,-10.19163 0.87357,-17.76255 0.38825,-7.57092 0.0971,-2.52364 0.0971,-2.62071 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Arkansas
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $828.00\" data-id=\"AR\" d=\"m 690.4559,328.05566 -10.48282,1.55301 4.27078,-6.79442 -1.8442,-3.78546 -36.98105,3.59134 -31.25432,2.52364 -4.56197,0.29119 0.58238,2.71776 3.78546,19.60675 0.0971,4.36784 1.0677,26.40117 0.0971,4.36784 0.29119,0.0971 1.45595,1.55301 5.82378,-0.19413 0.58238,8.54155 0.19413,2.42658 3.00896,-0.29119 9.22099,-0.67944 36.5928,-3.39721 0.19412,0 -0.0971,-2.13539 0.97063,-0.67944 -1.74713,-3.30014 3.6884,-15.5301 -1.45595,-1.74714 5.5326,-6.11498 -0.38826,-5.2414 4.07665,-6.79442 0,-0.0971 -0.19412,-0.19412 3.49427,-3.20309 -0.97063,-3.88252 2.71777,-4.27078 -0.58238,-3.97959 2.91189,-5.62966 0,-0.0971 -0.0971,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Iowa
Estimated Property Tax Rate: 1.60%; Median Taxes Paid: $2,402.00\" data-id=\"IA\" d=\"m 661.53109,197.69989 -5.33847,-2.81483 -2.9119,-3.97959 -0.97063,-5.72672 0.77651,-2.62071 -2.81483,-3.39721 0,0 -4.7561,0.48532 -47.75505,3.97959 -19.12144,1.06769 -4.85315,0.29119 -2.03833,0.0971 1.65008,10.77401 -1.35889,5.14435 2.13539,3.20308 0,0.67944 0.67944,0.0971 3.10602,9.12394 3.00896,4.75609 0.19413,5.43554 3.30014,4.56196 -0.58238,1.94126 3.00896,12.22996 0,0.29119 0,0 19.89794,-0.58238 21.25682,-1.8442 20.86857,-2.62071 4.7561,4.17372 0.19412,0.19412 0.87357,-0.38825 -0.67944,-3.78546 3.59133,-2.23245 1.45595,-9.90044 -1.45595,-0.67944 0.87357,-5.04728 4.36784,-0.87357 4.85316,-3.49427 2.13539,-6.11498 0.0971,-3.10602 -3.88252,-3.6884 -1.16476,-2.32951 -3.6884,-2.32952 0.19413,-0.48531 0.0971,-0.48532 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Kansas
Estimated Property Tax Rate: 1.40%; Median Taxes Paid: $2,223.00\" data-id=\"KS\" d=\"m 608.92288,312.71969 -2.42658,-41.0577 -4.36784,-2.52364 -0.38825,-1.94127 -3.49428,-3.10602 3.39721,-4.17371 -1.35888,-2.42658 -2.52364,0.0971 -2.32952,-1.65008 -0.97063,-0.7765 -3.30014,0.19412 -35.81629,1.35889 -16.40367,0.38825 -32.61321,0 -13.10352,-0.19413 -3.6884,-0.0971 0,1.8442 -0.0971,5.72672 -1.0677,51.34639 0,1.94127 4.17372,0.0971 22.51864,0.29119 52.70528,-0.77651 37.56342,-1.74713 3.6884,-0.29119 -0.0971,-2.52364 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Missouri
Estimated Property Tax Rate: 1.00%; Median Taxes Paid: $1,569.00\" data-id=\"MO\" d=\"m 653.66898,242.44599 -4.7561,-4.17372 -20.86857,2.62071 -21.25682,1.8442 -19.89794,0.58238 0,0 -0.0971,0.58238 2.42657,4.65903 2.23246,1.553 2.6207,4.65903 0.38825,0.38826 0.97063,0.7765 2.32952,1.65008 2.52364,-0.0971 1.35888,2.42658 -3.39721,4.17371 3.49428,3.10602 0.38825,1.94127 4.36784,2.52364 2.42658,41.0577 0.0971,2.52364 0.19413,2.52364 0.0971,2.52364 0.19413,2.6207 0.0971,2.52365 4.56197,-0.29119 31.25432,-2.52364 36.98105,-3.59134 1.8442,3.78546 -4.27078,6.79442 10.48282,-1.55301 0.0971,0 0,-0.7765 0.19413,-4.46491 1.94126,-2.42658 -0.58238,-2.71776 -0.0971,-0.0971 -0.0971,-0.0971 0.38825,-1.26182 0.58238,0.19413 0.29119,0.7765 -0.0971,0.29119 0,0.0971 0,0.77651 0.38826,0.0971 0.7765,-0.97063 0,-0.0971 0.0971,-0.29119 2.52364,-1.55301 0.38826,-0.19413 0.87357,-7.95917 -0.19413,-0.38826 -0.29119,-0.0971 -6.89148,-5.62966 1.06769,-2.03833 -1.94126,-5.53259 -3.49427,-2.71777 -6.60029,-2.9119 -4.17372,-3.3972 0.48532,-6.98855 1.26182,-6.50323 -6.98855,0.38825 -2.13539,-2.23245 -0.97063,-4.4649 -11.06519,-9.31806 -3.10602,-8.63862 0.7765,-4.27078 0,0 -0.19412,-0.19412 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Nebraska
Estimated Property Tax Rate: 1.70%; Median Taxes Paid: $2,762.00\" data-id=\"NE\" d=\"m 572.33008,204.68843 -3.00895,-3.00895 -10.57988,-3.10602 -3.39721,-0.0971 -5.14435,1.45594 -6.11498,-3.88252 -19.12143,0.19412 -27.85712,-0.29119 -32.90439,-1.06769 -2.9119,-0.0971 -0.0971,2.52364 -0.38825,7.57092 -0.87357,17.76255 -0.48532,10.19163 -0.0971,2.52364 2.32952,0.0971 23.6834,0.87357 4.65903,0.19413 -0.38826,19.02437 -0.0971,1.26182 3.6884,0.0971 13.10352,0.19413 32.61321,0 16.40367,-0.38825 35.81629,-1.35889 3.30014,-0.19412 -0.38825,-0.38826 -2.6207,-4.65903 -2.23246,-1.553 -2.42657,-4.65903 0.0971,-0.58238 0,-0.29119 -3.00896,-12.22996 0.58238,-1.94126 -3.30014,-4.56196 -0.19413,-5.43554 -3.00896,-4.75609 -3.10602,-9.12394 -0.67944,-0.0971 -1.8442,-0.19413 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Oklahoma
Estimated Property Tax Rate: 0.90%; Median Taxes Paid: $1,270.00\" data-id=\"OK\" d=\"m 609.50526,322.91131 -0.19413,-2.6207 -0.0971,-2.52364 -0.19413,-2.52364 -3.6884,0.29119 -37.56342,1.74713 -52.70528,0.77651 -22.51864,-0.29119 -4.17372,-0.0971 -1.55301,0 -6.11497,-0.19413 -1.94127,-0.0971 -4.07665,-0.0971 -1.94126,-0.0971 -0.0971,2.52364 -0.0971,2.52364 -0.0971,2.52364 -0.0971,2.62071 0.58238,0 23.48927,0.58238 24.84816,0.29119 0.29119,33.19558 1.74714,5.82379 3.88252,3.6884 4.17372,0.19413 0.87356,-1.74714 5.72673,5.24141 7.47386,0.7765 1.35888,1.55301 2.71777,-1.26182 6.79442,3.20309 0,1.84419 2.52364,-0.0971 2.6207,-2.23245 4.85316,3.10602 4.56197,1.65007 3.10601,-4.27077 9.90044,4.65902 3.6884,-3.00895 3.00896,-1.16476 2.42658,0.58238 9.12393,-2.6207 4.85316,2.03832 4.36784,2.81483 3.78546,0.67944 0.0971,0 -0.0971,-4.36784 -1.0677,-26.40117 -0.0971,-4.36784 -3.78546,-19.60675 -0.58238,-2.71776 -0.0971,-2.52365 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n South Dakota
Estimated Property Tax Rate: 1.30%; Median Taxes Paid: $2,248.00\" data-id=\"SD\" d=\"m 566.89455,135.57949 -16.40367,0.48532 -39.50469,0.29119 -42.80484,-1.16476 -3.78546,-0.19413 -0.0971,2.23246 -0.38825,8.83274 -0.29119,6.69736 -0.0971,1.35888 -0.29119,0 -0.0971,2.52364 -0.97063,20.38326 -0.7765,15.14184 -0.0971,2.62071 2.9119,0.0971 32.90439,1.06769 27.85712,0.29119 19.12143,-0.19412 6.11498,3.88252 5.14435,-1.45594 3.39721,0.0971 10.57988,3.10602 3.00895,3.00895 1.8442,0.19413 0,-0.67944 -2.13539,-3.20308 1.35889,-5.14435 -1.65008,-10.77401 2.03833,-0.0971 -0.19413,-4.4649 -4.85315,-34.16622 -2.52364,-4.27078 3.88252,-6.40616 0.0971,-0.29119 -3.30014,0.19412 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Louisiana
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $926.00\" data-id=\"LA\" d=\"m 688.99995,469.2825 -1.26182,0.29119 -0.58238,0.58238 1.8442,-0.87357 z m 4.07665,0 -0.67944,-0.29119 -0.19412,0.29119 0.87356,0 z m 2.32952,-0.77651 -0.67944,0 -0.38826,0.48532 1.0677,-0.48532 z m -1.16476,-0.67944 -0.19413,-0.29119 -0.0971,0.29119 0.29119,0 z m 7.76505,-5.14434 -0.29119,0.19412 0.48532,0 -0.19413,-0.19412 z m 13.58884,-5.72673 0.58238,-0.7765 -0.67945,0.87357 0.0971,-0.0971 z m 1.94126,-2.52364 -0.19413,0.0971 0,0.0971 0.19413,-0.19413 z m -49.89044,8.54156 1.45594,-1.8442 -3.97959,-1.0677 -1.74713,1.45595 4.27078,1.45595 z m 40.28119,-8.44449 -0.38825,-0.38826 -0.0971,0.19413 0.48532,0.19413 z m 1.06769,-1.74714 -0.97063,-0.29119 0.29119,0.97063 0.67944,-0.67944 z m 7.95918,-1.65007 0,-0.29119 0,0.0971 0,0.19413 z m 1.94126,-1.26182 -0.0971,-0.0971 0.0971,0.19413 0,-0.0971 z m -0.7765,-0.19413 -0.19413,-0.0971 -0.0971,0.29119 0.29119,-0.19413 z m -6.79442,-0.29119 0.87357,-0.29119 0,-0.29119 -0.87357,0.58238 z m 0.48532,-0.48532 0.48531,-0.48531 -0.0971,-0.0971 -0.38825,0.58237 z m -3.39721,-3.59133 -0.19413,0.19413 0.0971,0 0.0971,-0.19413 z m -35.8163,-54.35535 -0.19412,0 -36.5928,3.39721 -9.22099,0.67944 -3.00896,0.29119 0.0971,2.32952 1.94126,18.73318 3.20309,4.4649 0.0971,2.62071 3.10602,5.43553 2.52364,7.95918 -0.87357,4.4649 -0.67944,11.0652 -1.45594,3.59133 0.19412,0 0.29119,2.52364 -1.65007,2.32952 12.03582,-1.35889 9.41513,2.62071 6.69735,0.87357 3.39721,-2.42658 -1.8442,-2.42658 6.21204,-1.94126 -0.19412,2.13539 3.20308,-0.77651 2.6207,4.07665 2.23245,-0.7765 5.82379,3.97959 -3.59133,1.26182 8.25036,2.42657 3.10602,0 1.8442,-2.23245 3.97959,-2.13539 2.81483,4.07666 1.94126,-3.6884 -0.58238,-5.82379 5.24141,2.03833 0.58238,1.74713 6.21204,0.77651 3.10602,2.52364 -0.38825,2.03832 4.36784,-4.07665 -1.65008,-2.13539 -7.27973,-1.8442 -2.71777,-1.55301 -0.0971,-2.91189 3.00896,0.38825 2.32951,-4.75609 -3.00896,-4.17371 -1.65007,3.97958 -3.78546,-0.67944 2.6207,-4.27078 -1.74713,-0.48531 -4.27078,3.00896 -6.11498,0.38825 -1.74713,-1.35889 2.81483,-4.95021 3.30014,-0.0971 5.62967,1.8442 4.07665,0.38825 0,0 -2.23245,-2.81483 -4.27078,-8.34742 1.16476,-4.65903 -33.48678,3.68839 1.26182,-1.26182 -1.35888,-3.49427 2.03832,-3.00896 1.16476,-7.57092 7.3768,-12.6182 -3.59134,-4.36784 0.19413,-3.20309 -2.23246,-5.24141 0,-0.67944 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Texas
Estimated Property Tax Rate: 1.80%; Median Taxes Paid: $3,281.00\" data-id=\"TX\" d=\"m 573.98015,536.93549 -4.65902,-17.56842 0,3.30015 4.65902,14.26827 z m -1.06769,-30.86607 -3.30015,6.21204 -0.38825,2.03833 3.6884,-8.25037 z m 2.6207,-4.56196 3.10602,-4.07666 -2.23245,1.35889 -0.87357,2.71777 z m 10.96814,-9.90044 -7.27974,3.78546 2.03833,-0.38825 5.24141,-3.39721 z m 0.97063,-1.35889 2.03832,-1.65007 -0.7765,0.19413 -1.26182,1.45594 z m -115.11686,-162.87191 -0.67944,-0.0971 -3.30015,91.0452 -19.2185,-0.87357 -30.76901,-1.74713 -12.32701,-0.87357 2.42658,4.75609 0.0971,0.0971 10.48282,10.48281 6.01791,7.08561 7.95917,5.92085 5.62967,10.28869 2.13538,10.77401 4.56197,3.00895 3.59134,3.97959 5.14434,1.8442 7.47386,4.75609 3.39721,1.26183 4.65903,-4.65903 1.45595,-4.95022 2.42658,-4.7561 7.57092,-3.00895 2.91189,1.45594 8.44449,0.67945 7.66799,4.75609 5.24141,0.97063 -1.45595,2.71777 3.00896,1.94126 2.81483,3.39721 0.58238,3.59133 1.8442,2.42658 4.27077,10.28869 4.27078,3.59134 3.30015,5.43553 4.17371,4.27078 1.8442,0.58238 1.55301,11.06519 4.56197,2.52365 0.19412,3.49427 1.16476,-0.29119 7.95918,9.70631 3.97959,0.87357 5.04728,3.00896 7.76505,0 5.62966,3.10601 6.69735,-1.45594 -3.00895,-2.81483 -2.71777,-8.1533 -1.06769,-7.08561 -1.55301,-2.32952 0.67944,-4.75609 -2.03833,-0.19413 -2.71777,-4.4649 3.10602,3.30015 3.59134,-1.26182 1.94126,-5.14435 -3.88252,-5.24141 5.82378,0.67944 2.71777,-4.17371 -0.38825,-1.45595 2.42658,-3.20308 -0.58238,2.81483 2.71777,-2.13539 -1.0677,-3.78546 3.49427,1.8442 4.46491,-2.52364 -4.36784,-4.56197 2.71776,1.0677 5.04729,0.29119 6.60029,-1.45595 7.3768,-4.95022 4.4649,-3.6884 0.67944,-2.71777 2.71777,-2.81483 -1.45595,-4.65903 0.29119,-2.91189 4.85316,-2.13539 -0.38826,5.14435 2.9119,0 -3.20308,2.71776 12.90939,-6.79441 2.13539,-0.0971 1.35888,-6.21204 0.38826,0 1.45594,-3.59133 0.67944,-11.0652 0.87357,-4.4649 -2.52364,-7.95918 -3.10602,-5.43553 -0.0971,-2.62071 -3.20309,-4.4649 -1.94126,-18.73318 -0.0971,-2.32952 -0.19413,-2.42658 -0.58238,-8.54155 -5.82378,0.19413 -1.45595,-1.55301 -0.29119,-0.0971 -0.0971,0 -3.78546,-0.67944 -4.36784,-2.81483 -4.85316,-2.03832 -9.12393,2.6207 -2.42658,-0.58238 -3.00896,1.16476 -3.6884,3.00895 -9.90044,-4.65902 -3.10601,4.27077 -4.56197,-1.65007 -4.85316,-3.10602 -2.6207,2.23245 -2.52364,0.0971 0,-1.84419 -6.79442,-3.20309 -2.71777,1.26182 -1.35888,-1.55301 -7.47386,-0.7765 -5.72673,-5.24141 -0.87356,1.74714 -4.17372,-0.19413 -3.88252,-3.6884 -1.74714,-5.82379 -0.29119,-33.19558 -24.84816,-0.29119 -23.48927,-0.58238 -0.58238,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Connecticut
Estimated Property Tax Rate: 2.10%; Median Taxes Paid: $5,966.00\" data-id=\"CT\" d=\"m 936.99622,143.34454 -13.97709,5.33847 -0.19412,-0.48531 -7.86211,2.32951 -1.74714,0.48532 0.19413,0.97063 3.68839,14.26828 1.16476,1.45595 -2.52364,3.10602 1.74714,1.65007 0,0 5.62966,-5.43554 3.00895,-4.17371 0.58238,1.16476 14.17122,-6.30911 0.29119,-0.29118 -0.0971,-2.32952 -0.58237,-2.03833 -3.00896,-8.44449 -0.38825,-1.06769 -0.0971,-0.19413 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n New Hampshire
Estimated Property Tax Rate: 2.10%; Median Taxes Paid: $5,796.00\" data-id=\"NH\" d=\"m 923.8927,75.982738 -1.26182,1.55301 -1.45594,-0.29119 -0.77651,6.406166 0,0.09706 2.32952,8.735681 -0.19413,1.747136 -4.17372,5.532598 1.0677,5.047281 0,6.30911 -0.77651,5.82378 4.36784,15.91836 0,0 0,0 3.97959,-1.26182 12.22996,-4.07666 5.53259,-6.01791 0,0 0,-1.55301 0.29119,-2.52364 -0.67944,0.29119 -0.0971,-0.58238 -6.11498,-7.47386 -0.19413,-0.67944 -14.07415,-33.001465 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Rhode Island
Estimated Property Tax Rate: 1.60%; Median Taxes Paid: $4,345.00\" data-id=\"RI\" d=\"m 946.50841,152.08022 -0.0971,-2.03832 -0.29119,0.7765 0.38825,1.26182 z m 1.94126,-1.55301 -1.26182,-2.42657 -0.0971,2.52364 1.35888,-0.0971 z m -0.58238,-3.00895 0.67944,1.74713 0.87357,1.55301 0.58238,-1.16475 -0.87357,-1.65008 -0.29119,-1.16475 -0.97063,0 0,0.67944 z m -10.774,-3.97959 0.38825,1.06769 3.00896,8.44449 0.58237,2.03833 0.0971,2.32952 0.19412,-0.29119 4.65903,-3.6884 -0.87356,-6.60029 1.94126,-0.38826 0,0 -4.27078,-5.14434 -4.4649,1.74713 -1.26182,0.48532 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Vermont
Estimated Property Tax Rate: 1.90%; Median Taxes Paid: $4,392.00\" data-id=\"VT\" d=\"m 923.01913,132.86173 -4.36784,-15.91836 0.77651,-5.82378 0,-6.30911 -1.0677,-5.047278 4.17372,-5.532598 0.19413,-1.747136 -2.32952,-8.735681 -1.26182,0.485316 -5.33847,1.941262 -5.24141,2.038326 -12.03583,4.36784 -0.67944,0.194126 4.36784,10.191633 1.45595,9.60924 5.14434,8.05624 4.85316,15.91835 0.19413,-0.0971 0.7765,-0.29119 2.23245,-0.67944 1.94126,-0.67944 5.5326,-1.65007 0.67944,-0.29119 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Alabama
Estimated Property Tax Rate: 0.40%; Median Taxes Paid: $608.00\" data-id=\"AL\" d=\"m 718.31301,344.84758 0.38826,0.77651 1.35888,0.87356 0.58238,39.79588 0.19413,21.8392 4.95021,29.89545 0.38826,-0.0971 4.36784,0.87357 1.16475,-8.63862 1.94127,4.85316 3.30014,3.00896 6.30911,-3.6884 -0.67945,-0.58238 0.19413,0.0971 -4.36784,-9.9975 41.93127,-6.79442 2.81483,-0.48531 0,-0.0971 -2.62071,-4.95022 -0.19412,-7.0856 -2.13539,-3.88253 1.06769,-7.57092 1.74714,-1.94126 -7.18267,-12.81234 -13.00646,-39.60175 -0.0971,-0.19413 -2.9119,0.48532 -15.5301,2.52364 -7.76504,0.97063 -16.30661,2.23245 0.0971,0.19413 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Florida
Estimated Property Tax Rate: 0.90%; Median Taxes Paid: $1,992.00\" data-id=\"FL\" d=\"m 854.6867,535.28542 -0.19413,0 0.0971,0.0971 0.0971,-0.0971 z m -0.87357,-0.0971 0,0.0971 0.0971,0 -0.0971,-0.0971 z m 0.19413,-0.0971 0,-0.0971 0,0.0971 0,0 z m -13.20059,1.45594 0,0 0,0.0971 0,-0.0971 z m -0.19412,0.0971 0,-0.0971 0,0.0971 0,0 z m 0.0971,-0.0971 0,0 0,0 0,0 z m -0.97063,0.0971 -0.0971,0 0,0.0971 0.0971,-0.0971 z m 27.56592,-6.11498 -0.0971,0 0.0971,0.19412 0,-0.19412 z m 2.62071,-0.67944 0,-0.19413 -0.19413,0.29119 0.19413,-0.0971 z m -0.97063,-0.19413 -0.38826,-0.38825 -0.0971,0.0971 0.48532,0.29119 z m -0.29119,0.77651 -1.16476,-1.45595 0.67944,1.26182 0.48532,0.19413 z m 9.22099,-5.72673 0,0.38825 0.19413,-0.19412 -0.19413,-0.19413 z m 1.35889,-0.97063 0.29119,-0.48532 -0.38826,0.38826 0.0971,0.0971 z m 0.29119,-0.97063 -0.0971,0 0,0.0971 0.0971,-0.0971 z m -1.74714,-0.29119 -0.0971,-0.0971 0.0971,0.0971 0,0 z m 0.87357,-1.45595 -0.0971,-0.0971 0,0.19413 0.0971,-0.0971 z m -2.62071,-0.0971 -0.0971,-0.0971 0.0971,0.0971 0,0 z m 3.30015,-2.23245 -0.19413,0.0971 0.29119,0.0971 -0.0971,-0.19412 z m 0.38825,0 -0.19412,-0.19413 0.0971,0.29119 0.0971,-0.0971 z m -0.67944,-0.19413 -0.0971,-0.0971 0,0.19412 0.0971,-0.0971 z m 3.59134,-0.67944 0,-0.0971 -0.19413,0.38825 0.19413,-0.29119 z m -4.07665,0.38825 -0.19413,0 0.19413,0.0971 0,-0.0971 z m 2.03832,-1.16476 -0.29119,0 -0.0971,0.0971 0.38825,-0.0971 z m 0.77651,-0.48531 0,0 -0.0971,0 0.0971,0 z m -8.15331,0.38825 0,-0.19412 -0.0971,0.19412 0.0971,0 z m 0.87357,-0.29119 -0.29119,0 0.29119,0.58238 0,-0.58238 z m -2.32951,0.0971 0,-0.58238 -0.48532,0.0971 0.48532,0.48532 z m -1.35889,-0.97064 0.48532,0.48532 0,-0.19413 -0.48532,-0.29119 z m 14.26828,0.58238 -1.74713,0.77651 0.58237,0.0971 1.16476,-0.87357 z m -13.58883,-0.87356 -0.58238,0 0,0.19412 0.58238,-0.19412 z m 15.33597,-4.85316 0.0971,-0.48532 0.0971,-1.26182 -0.19412,1.74714 z m 0.0971,-5.43554 -0.38825,-0.97063 -0.19413,0.38826 0.58238,0.58237 z m -22.42158,2.42658 -0.19413,0.29119 0.48532,0.0971 -0.29119,-0.38825 z m -1.8442,-0.87357 -0.87357,0.29119 0.67945,0.0971 0.19412,-0.38826 z m -1.94126,0.19413 0,-0.29119 -0.0971,0.0971 0.0971,0.19413 z m -2.03833,-0.0971 -0.58238,0.38825 0.77651,0.38825 -0.19413,-0.7765 z m 2.71777,0.0971 -0.0971,-0.29119 -0.48532,-0.0971 0.58238,0.38825 z m -12.71527,-9.51219 -0.58238,0.29119 1.16476,0.38826 -0.58238,-0.67945 z m -2.32951,-3.10602 -0.77651,-1.16475 0.29119,0.87357 0.48532,0.29118 z m 3.00895,1.94127 -1.35888,-3.10602 -0.97063,-0.29119 2.32951,3.39721 z m -3.88252,-3.88253 -0.29119,-0.7765 -0.19413,-0.48532 0.48532,1.26182 z m -8.05624,-10.774 -1.74714,-1.26182 0.67945,0.67944 1.06769,0.58238 z m 43.6784,-6.50323 -7.0856,-11.8417 -0.38826,0 7.47386,11.8417 z m -49.01687,-18.92731 -0.29119,-0.0971 0.29119,0.19412 0,-0.0971 z m -0.58238,-0.67944 -0.0971,0.0971 0.0971,0.0971 0,-0.19412 z m -0.67944,-0.97063 0,-0.0971 -0.0971,0.0971 0.0971,0 z m 0.38825,-0.38826 0.29119,0.19413 0,-0.19413 -0.29119,0 z m 0.58238,-0.38825 -0.38825,0.0971 0.0971,0 0.29119,-0.0971 z m -0.67944,-0.0971 -0.29119,-0.29119 0.0971,0.0971 0.19413,0.19413 z m -0.67944,-1.0677 -0.19413,0 0.29119,0.0971 -0.0971,-0.0971 z m 0.67944,-1.16475 -0.38826,0 -0.0971,0.0971 0.48532,-0.0971 z m 0.38825,0.19412 -0.48532,-0.48531 0.19413,0.0971 0.29119,0.38825 z m -3.6884,-4.17371 -0.19413,-0.0971 0,0.0971 0.19413,0 z m -4.17371,0 -0.29119,-0.38825 0.0971,0.48531 0.19413,-0.0971 z m -35.33098,-3.20309 2.91189,-2.23245 -3.20308,2.13539 0.29119,0.0971 z m 5.82379,-4.65902 0.29119,-0.29119 -1.16476,0.48531 0.87357,-0.19412 z m -36.88399,-6.50323 -10.57988,3.39721 5.82379,-1.65008 4.75609,-1.74713 z m 26.30411,-16.50073 -2.81483,0.48531 -41.93127,6.79442 4.36784,9.9975 0.29119,0.0971 -1.06769,3.97959 3.10602,-1.35888 3.3972,-3.00896 5.82379,-0.19412 6.69736,-2.42658 4.56196,0.67944 -1.06769,1.65007 8.34743,2.81483 7.18267,3.49428 1.65007,3.88252 5.33847,-1.16476 12.61821,-10.28869 4.65903,0.19413 19.02437,14.36534 3.88252,-0.77651 4.07666,5.43554 0.7765,8.63862 -1.26182,5.43553 0.58238,2.71777 3.39721,6.79442 -1.55301,-5.33847 4.36784,-0.0971 0.38825,3.88253 -2.32951,6.01791 8.05624,11.0652 3.00895,0.0971 -2.52364,-3.39721 3.10602,0.38825 1.8442,-1.16475 -0.7765,6.21204 4.17371,3.30014 2.81483,7.57093 3.78546,2.32951 4.85316,1.26182 6.69735,8.54156 3.49428,1.84419 -4.65903,0.29119 2.13538,2.42658 7.66799,-2.52364 3.78546,-2.13539 3.49427,-12.22995 -1.74713,-19.02437 -0.38825,-1.94127 -9.31806,-15.53009 -7.95918,-11.25933 -4.4649,-9.22099 3.78546,3.20308 0.7765,-0.58238 1.65008,8.05624 4.27077,6.11498 -4.17371,-8.1533 0.19413,-3.88253 -12.52115,-15.23891 -3.00895,-4.75609 -3.97959,-8.05624 -2.71777,-6.79442 -2.13539,-2.42658 -0.48531,-3.10602 -0.0971,-0.0971 -6.69735,-0.38825 -2.62071,2.03832 -1.45594,7.47386 -1.35889,-3.49427 -45.81379,5.72672 -3.30014,-5.14434 0.0971,-0.0971 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Georgia
Estimated Property Tax Rate: 0.90%; Median Taxes Paid: $1,726.00\" data-id=\"GA\" d=\"m 845.85395,396.09691 -0.0971,-2.9119 -0.67944,2.52364 0.7765,0.38826 z m 1.0677,-4.46491 -0.38825,-2.23245 -0.29119,1.35889 0.67944,0.87356 z m -45.42554,-61.14976 -1.26182,0.29119 -3.6884,0.7765 -13.58884,2.81483 -1.26182,0.29119 -1.35888,0.19413 -7.57093,1.45595 -2.03832,0.38825 -8.25037,1.55301 -1.74713,0.19412 0.0971,0.19413 13.00646,39.60175 7.18267,12.81234 -1.74714,1.94126 -1.06769,7.57092 2.13539,3.88253 0.19412,7.0856 2.62071,4.95022 0,0.0971 -0.0971,0.0971 3.30014,5.14434 45.81379,-5.72672 1.35889,3.49427 1.45594,-7.47386 2.62071,-2.03832 6.69735,0.38825 0,0 -0.58237,-10.48282 1.26182,-2.23245 -0.67945,-4.17371 1.35889,-3.97959 2.03832,-2.23245 -1.45594,-1.35889 3.39721,-4.17371 -0.0971,0 -5.82378,-5.43554 -7.95918,-11.35638 -4.36784,-2.03833 -18.73318,-15.72422 -4.56197,-5.82379 -8.83274,-3.6884 -0.48532,-1.94126 2.71777,-5.33847 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Mississippi
Estimated Property Tax Rate: 0.80%; Median Taxes Paid: $998.00\" data-id=\"MS\" d=\"m 716.76,442.78427 -0.48531,0.0971 0,0.0971 0.48531,-0.19412 z m 9.02687,-1.16476 -1.35888,0 1.26182,0.0971 0.0971,-0.0971 z m -11.25932,0.97063 -0.38825,0.38825 0.0971,0.0971 0.29119,-0.48532 z m 9.12394,-0.7765 -3.6884,0 3.49427,0.0971 0.19413,-0.0971 z m -40.47533,-92.50116 0,0.0971 -4.07665,6.79442 0.38826,5.2414 -5.5326,6.11498 1.45595,1.74714 -3.6884,15.5301 1.74713,3.30014 -0.97063,0.67944 0.0971,2.13539 0,0.67944 2.23246,5.24141 -0.19413,3.20309 3.59134,4.36784 -7.3768,12.6182 -1.16476,7.57092 -2.03832,3.00896 1.35888,3.49427 -1.26182,1.26182 33.48678,-3.68839 -1.16476,4.65903 4.27078,8.34742 2.23245,2.81483 0,-0.0971 3.59133,-4.07665 7.57093,-1.65007 6.98854,0.7765 1.06769,-1.35888 0,-0.0971 -4.95021,-29.89545 -0.19413,-21.8392 -0.58238,-39.79588 -1.35888,-0.87356 -0.38826,-0.77651 -0.19412,0 -4.85316,0.67944 -8.54155,1.16476 -19.41263,2.42658 -2.13539,0.19412 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n South Carolina
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $962.00\" data-id=\"SC\" d=\"m 801.49611,330.48224 0,0 -2.71777,5.33847 0.48532,1.94126 8.83274,3.6884 4.56197,5.82379 18.73318,15.72422 4.36784,2.03833 7.95918,11.35638 5.82378,5.43554 0,0 0.97063,-4.4649 -1.55301,-4.27078 4.17372,3.10602 2.32951,-1.8442 -3.97959,-3.30015 4.85316,-0.29119 7.57092,-6.40616 -0.87356,-1.65008 4.65903,-3.59133 -0.48532,-1.74714 3.39721,-2.13539 0.19413,-4.95022 5.33847,-9.90043 3.59133,-4.56197 0.38826,-0.19413 -21.64508,-13.6859 -8.05624,1.55301 -10.96813,-0.38825 -5.43554,-2.81483 -32.22495,10.19163 -0.29119,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Illinois
Estimated Property Tax Rate: 2.20%; Median Taxes Paid: $4,529.00\" data-id=\"IL\" d=\"m 661.43403,198.18521 -0.19413,0.48531 3.6884,2.32952 1.16476,2.32951 3.88252,3.6884 -0.0971,3.10602 -2.13539,6.11498 -4.85316,3.49427 -4.36784,0.87357 -0.87357,5.04728 1.45595,0.67944 -1.45595,9.90044 -3.59133,2.23245 0.67944,3.78546 -0.87357,0.38825 0,0 -0.7765,4.27078 3.10602,8.63862 11.06519,9.31806 0.97063,4.4649 2.13539,2.23245 6.98855,-0.38825 -1.26182,6.50323 -0.48532,6.98855 4.17372,3.3972 6.60029,2.9119 3.49427,2.71777 1.94126,5.53259 -1.06769,2.03833 6.89148,5.62966 0.29119,0.0971 -0.58238,-0.58238 1.94126,-4.56196 7.47386,2.03832 1.8442,-2.13539 -1.45594,-4.27077 6.11497,-3.59134 -1.65007,-2.32951 1.45595,-3.30015 0,-0.29119 -0.38826,-0.0971 0.0971,-8.63862 2.13539,-1.55301 3.68839,-8.63862 -0.7765,-3.78546 -2.42658,-4.56196 1.35888,-5.14435 -6.79441,-47.85212 -0.97064,-1.06769 -2.52364,-5.72673 -2.03832,-2.13539 -0.87357,-5.62966 0,-0.19412 -13.10352,1.8442 -7.86211,0.97063 -21.15976,2.42658 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Indiana
Estimated Property Tax Rate: 0.80%; Median Taxes Paid: $1,240.00\" data-id=\"IN\" d=\"m 750.34384,200.22353 -14.85065,2.62071 -3.39721,0.67944 -12.03583,1.94126 -2.52364,2.03833 -3.78546,1.74713 -1.45595,-0.0971 -1.74714,-0.87357 -0.58237,-0.58238 6.79441,47.85212 -1.35888,5.14435 2.42658,4.56196 0.7765,3.78546 -3.68839,8.63862 -2.13539,1.55301 -0.0971,8.63862 0.38826,0.0971 0.38825,-0.0971 1.45595,-2.71777 3.59133,0 4.36784,-1.45595 5.43554,2.03833 0.58237,-2.23245 3.10602,-2.32952 4.65903,0.67945 2.52365,-4.95022 6.89148,0.58237 -0.0971,-2.81483 6.11498,-8.05623 -0.97063,-3.6884 4.27078,-0.0971 5.2414,-4.17371 -1.26182,-4.75609 0.19413,-0.19413 -0.19413,-1.65007 -5.82378,-34.36035 -2.62071,-14.65653 -0.29119,-1.55301 -0.29119,-1.26182 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Kentucky
Estimated Property Tax Rate: 0.90%; Median Taxes Paid: $1,252.00\" data-id=\"KY\" d=\"m 693.17367,317.18459 -0.29119,-0.7765 -0.58238,-0.19413 -0.38825,1.26182 0.0971,0.0971 1.06769,-0.0971 0.0971,-0.29119 z m 66.39117,-63.47928 -0.19413,0.19413 1.26182,4.75609 -5.2414,4.17371 -4.27078,0.0971 0.97063,3.6884 -6.11498,8.05623 0.0971,2.81483 -6.89148,-0.58237 -2.52365,4.95022 -4.65903,-0.67945 -3.10602,2.32952 -0.58237,2.23245 -5.43554,-2.03833 -4.36784,1.45595 -3.59133,0 -1.45595,2.71777 -0.38825,0.0971 0,0.29119 -1.45595,3.30015 1.65007,2.32951 -6.11497,3.59134 1.45594,4.27077 -1.8442,2.13539 -7.47386,-2.03832 -1.94126,4.56196 0.58238,0.58238 0.19413,0.38826 -0.87357,7.95917 -0.38826,0.19413 -2.52364,1.55301 -0.0971,0.29119 2.81483,-0.38826 19.60675,-2.6207 -0.97063,-3.88252 3.30015,-0.0971 39.50469,-5.24141 27.76005,-4.65903 0.38825,-0.29119 0.67944,-0.7765 7.27974,-3.88252 5.62966,-7.3768 0.7765,-2.52364 3.6884,-2.9119 4.65903,-5.92085 0.67944,-0.97063 -0.29119,-0.0971 -2.42657,0 -3.10602,-1.74714 -5.5326,-6.69735 -1.94126,-6.79442 0,-0.19413 -0.19413,-0.19412 -4.07665,-2.32952 -1.8442,-3.10602 -3.6884,3.59134 -2.32951,0.58238 -2.9119,-1.16476 -2.52364,1.94126 -5.24141,-2.32951 -1.35888,0.58237 -4.95022,-4.27077 -2.52364,-1.26182 -4.75609,0.58238 -0.77651,0.7765 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n North Carolina
Estimated Property Tax Rate: 0.80%; Median Taxes Paid: $1,489.00\" data-id=\"NC\" d=\"m 890.2118,332.22937 -1.06769,1.0677 0.19412,0.19413 0.87357,-1.26183 z m 0.7765,-5.62966 -0.48531,0.77651 0.19413,0.7765 0.29118,-1.55301 z m 5.82379,-9.02687 -1.45594,0.97063 -0.77651,1.16476 2.23245,-2.13539 z m 12.52114,-6.11497 -0.58237,-0.38826 -1.26182,-0.0971 1.84419,0.48532 z m -2.6207,-0.58238 -0.87357,0 -1.45594,0.7765 2.32951,-0.7765 z m 3.00896,1.06769 2.81483,-6.98854 -1.94126,2.91189 -0.87357,4.07665 z m 4.17371,-9.22099 1.26182,-1.8442 -0.67944,0 -0.58238,1.8442 z m 8.1533,-7.57093 -2.13539,-10.774 1.8442,5.62966 0.29119,5.14434 z m -11.8417,-24.55697 -0.19412,0.0971 -0.29119,0.0971 0,0 0.0971,0 5.33847,9.02687 4.17372,4.17371 -9.12394,-13.39471 0,0 z m -1.74713,0.58238 -0.77651,0.19413 0,0 0.19413,0.0971 1.65007,0 -0.19413,-0.58238 0,0 -0.29118,0.0971 -0.29119,0 0,0 0,0.19412 -0.19413,0.0971 -0.0971,-0.0971 0,0 z m -89.78339,22.13039 -0.48532,1.45595 0.0971,4.17371 -1.0677,-0.0971 -2.52364,5.14435 -2.81483,0.29119 -5.24141,5.14434 -2.32951,-0.87357 -3.00896,4.46491 -7.95917,7.18267 -3.88253,0.97063 -4.07665,3.78546 -0.19413,2.52364 -3.59133,1.94126 0.0971,4.27078 0,0.97063 1.26182,-0.29119 13.58884,-2.81483 3.6884,-0.7765 1.26182,-0.29119 0.29119,0 32.22495,-10.19163 5.43554,2.81483 10.96813,0.38825 8.05624,-1.55301 21.64508,13.6859 0.38825,-0.29119 9.9975,-4.07665 0.0971,-5.33847 3.59134,-6.50323 3.88252,-3.6884 8.05624,-5.33847 1.0677,-1.94126 2.13538,0.97063 0.97064,-6.40616 -1.16476,2.23245 -4.07665,1.35888 -3.88253,0.0971 4.7561,-3.49427 -1.45595,-1.55301 1.65007,-3.49427 -9.12393,-1.45595 -0.38825,-0.48531 7.76505,-1.45595 2.52364,1.26182 3.20308,-0.29119 2.6207,-1.94126 1.94127,-3.78546 1.74713,-0.48532 -0.29119,-5.33847 -2.23245,-2.13539 -2.23245,2.03833 0.48531,5.14434 -1.65007,-6.3091 -1.26182,-0.29119 -9.60925,3.97959 4.27078,-4.17372 0.19413,-1.65007 4.4649,-1.06769 1.26182,-3.30015 3.00896,1.74714 -3.20309,-4.7561 -2.23245,-1.94126 0,0 -38.82525,11.0652 -24.75109,6.3091 -25.04229,4.65903 -0.0971,-0.19413 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Ohio
Estimated Property Tax Rate: 1.50%; Median Taxes Paid: $2,320.00\" data-id=\"OH\" d=\"m 818.19096,206.6297 -2.42657,-10.48282 -0.48532,-2.13539 -2.71777,-11.93876 -3.49427,2.23245 -7.47386,5.72672 -4.85315,5.92085 -3.78547,0.58238 -6.98854,3.97959 -3.88253,-2.32951 -11.74463,-1.35889 0,0 -6.21204,1.55301 -6.11498,1.45595 -6.40617,1.35888 -0.97063,0.29119 0.29119,1.55301 2.62071,14.65653 5.82378,34.36035 0.19413,1.65007 0.77651,-0.7765 4.75609,-0.58238 2.52364,1.26182 4.95022,4.27077 1.35888,-0.58237 5.24141,2.32951 2.52364,-1.94126 2.9119,1.16476 2.32951,-0.58238 3.6884,-3.59134 1.8442,3.10602 4.07665,2.32952 0.19413,0.19412 0,0 4.17371,-2.03832 1.45595,-3.20309 -1.16476,-3.30014 3.30014,-5.04728 2.42658,-0.38826 -0.29119,-4.27077 3.97959,-5.43554 0.67944,0.77651 3.59134,-2.71777 3.10602,-4.65903 0.48531,-21.25682 0.19413,-0.0971 -0.48532,-2.03832 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Tennessee
Estimated Property Tax Rate: 0.70%; Median Taxes Paid: $1,217.00\" data-id=\"TN\" d=\"m 786.2572,300.48973 -27.76005,4.65903 -39.50469,5.24141 -3.30015,0.0971 0.97063,3.88252 -19.60675,2.6207 -2.81483,0.38826 0,0.0971 -0.7765,0.97063 -0.38826,-0.0971 0,-0.77651 0,-0.0971 -1.06769,0.0971 0.0971,0.0971 0.58238,2.71776 -1.94126,2.42658 -0.19413,4.46491 0,0.7765 0,0.0971 -2.91189,5.62966 0.58238,3.97959 -2.71777,4.27078 0.97063,3.88252 -3.49427,3.20309 0.19412,0.19412 2.13539,-0.19412 19.41263,-2.42658 8.54155,-1.16476 4.85316,-0.67944 0.19412,0 -0.0971,-0.19413 16.30661,-2.23245 7.76504,-0.97063 15.5301,-2.52364 2.9119,-0.48532 1.74713,-0.19412 8.25037,-1.55301 2.03832,-0.38825 7.57093,-1.45595 1.35888,-0.19413 0,-0.97063 -0.0971,-4.27078 3.59133,-1.94126 0.19413,-2.52364 4.07665,-3.78546 3.88253,-0.97063 7.95917,-7.18267 3.00896,-4.46491 2.32951,0.87357 5.24141,-5.14434 2.81483,-0.29119 2.52364,-5.14435 1.0677,0.0971 -0.0971,-4.17371 0.48532,-1.45595 -1.55301,0.29119 -5.5326,1.55301 -6.60029,1.35889 -16.59779,3.39721 -1.74714,0.29118 -0.38825,0.29119 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Virginia
Estimated Property Tax Rate: 0.80%; Median Taxes Paid: $2,304.00\" data-id=\"VA\" d=\"m 908.75086,270.98255 0.29119,0 0.29118,-0.0971 0,0 -0.19412,-0.48531 -0.38825,0.58238 0,0 z m -3.30015,-10.87107 0,0.48531 0.48532,-0.29119 -0.48532,-0.19412 z m 1.74714,-3.39721 -0.0971,-0.77651 0,0 0.0971,0.77651 z m -0.58238,1.16475 -0.19413,1.26183 -0.29119,0.48531 0.48532,-1.74714 z m 0.87357,-2.52364 0.0971,-0.58238 -0.19413,0.58238 0.0971,0 z m 0.58237,-2.6207 0.29119,-0.67944 -0.48531,1.74713 0.19412,-1.06769 z m 0.0971,-1.45595 0.38825,-2.13539 -0.48532,0.48532 0.0971,1.65007 z m 1.74713,-9.60925 0.19413,-0.87356 -0.0971,0.19412 -0.0971,0.67944 z m -0.38825,-2.23245 -1.26182,0.48532 -1.94126,0.87357 -0.67944,0.87356 0.29119,0.0971 -2.32952,14.4624 0.87357,2.32952 1.35888,-6.01792 2.52364,-7.86211 1.16476,-5.14435 0,-0.0971 z m 1.94126,-0.7765 -0.29119,0.0971 -0.0971,0.38825 -0.48531,3.00896 0.38825,-1.0677 0.48531,-2.42657 z m -101.43096,37.17517 -0.67944,0.97063 -4.65903,5.92085 -3.6884,2.9119 -0.7765,2.52364 -5.62966,7.3768 -7.27974,3.88252 -0.67944,0.7765 1.74714,-0.29118 16.59779,-3.39721 6.60029,-1.35889 5.5326,-1.55301 1.55301,-0.29119 0.0971,0.19413 25.04229,-4.65903 24.75109,-6.3091 38.82525,-11.0652 0,0 -0.29119,-0.48531 -0.0971,-0.29119 0.67944,0.67944 0,0 0,0 0.77651,-0.19413 -0.0971,-0.0971 -0.67944,-3.30015 0.48532,0.0971 1.55301,2.91189 0,0 0,0 0.29119,-0.0971 0.19412,-0.0971 -0.38825,-0.7765 -3.97959,-6.11498 -4.95022,0.87357 -2.23245,1.8442 -2.13539,-1.94126 -7.27973,-2.42658 -5.04728,-0.19413 9.80337,-0.87357 5.43554,3.6884 1.55301,-2.42658 -4.36784,-5.53259 3.10602,0.19412 -1.65008,-4.4649 -3.88252,0.19413 -9.221,-7.47386 -1.16476,0 13.00646,6.40616 -0.87357,-4.4649 0.87357,-1.45595 -6.60029,-2.52364 -5.72672,-0.38825 -2.81483,-2.52364 -2.32952,1.45594 -0.87357,-6.69735 0.97063,0.19412 -0.19412,-5.43553 -0.19413,-0.19413 -0.19413,0.0971 -0.19412,-0.0971 -0.48532,-0.38825 -0.29119,-0.29119 -3.10602,-1.35888 -3.20308,-2.32952 -4.4649,-1.16475 -0.29119,-0.0971 0,0.0971 -0.58238,4.07665 -9.02687,-3.88253 0.19413,5.62966 -4.95022,9.41513 -3.00896,3.30014 -1.94126,5.72673 -5.92085,-2.03833 -2.9119,13.20058 -2.32951,4.46491 -0.38825,5.82379 -1.74714,2.81483 -6.50323,1.94126 -5.33847,4.17371 -2.52364,0.38825 -2.42658,2.13539 -6.11498,-2.23245 -1.06769,-3.00896 -0.19413,-0.0971 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Wisconsin
Estimated Property Tax Rate: 1.80%; Median Taxes Paid: $3,370.00\" data-id=\"WI\" d=\"m 705.79187,134.80299 -2.42658,3.00896 -1.45594,4.36784 0.67944,2.42657 3.20308,-9.80337 z m -55.71423,-22.80983 1.45595,-2.03833 -1.0677,0.97063 -0.38825,1.0677 z m 2.23245,-3.20309 -0.48531,-0.58238 -1.0677,0.67945 1.55301,-0.0971 z m -21.15976,5.43554 -2.23245,2.52364 1.0677,11.64757 -6.21204,5.62966 -1.16476,5.43554 3.39721,3.10602 -0.97063,13.39471 3.59133,2.71777 2.32952,0.19412 7.37679,4.46491 4.65903,4.85315 5.92085,3.00896 1.35889,7.47386 0,0.48531 0,0 2.81483,3.39721 -0.77651,2.62071 0.97063,5.72672 2.9119,3.97959 5.33847,2.81483 -0.0971,0.48532 0,0 21.15976,-2.42658 7.86211,-0.97063 13.10352,-1.8442 -0.38825,-1.45595 0,-4.56197 -2.62071,-4.85315 -0.67944,-6.11498 1.26182,-6.79442 -0.67944,-5.24141 2.32952,-6.50322 -0.87357,-1.0677 0.19412,-6.01791 1.26182,-4.56197 -1.45594,-1.55301 -2.81483,0.97063 -1.55301,4.07665 -3.6884,2.13539 1.16476,-5.14434 3.30014,-4.36784 0.19413,-1.94127 0.0971,-0.0971 -4.65903,-4.65903 0,-6.60029 -5.24141,-4.27078 -7.18267,-0.48531 -7.3768,-1.94127 -15.91835,-4.85315 -3.10602,-1.74714 -0.29119,0.29119 -4.95022,-0.67944 -1.65007,0.97063 0.67944,-7.08561 -7.95917,4.07665 -9.70631,1.55301 -0.0971,-0.19412 z m 19.02437,-5.14435 -0.19412,-0.67944 -0.67944,0.29119 0.87356,0.38825 z m -3.49427,-0.67944 0.29119,-0.58238 -0.19413,-0.19413 -0.0971,0.77651 z m 7.08561,-1.65007 -0.29119,-1.35889 -0.29119,1.65008 0.58238,-0.29119 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n West Virginia
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $719.00\" data-id=\"WV\" d=\"m 836.73002,223.71281 -13.78296,3.39721 -4.27078,-18.442 0,0 -0.19413,0.0971 -0.48531,21.25682 -3.10602,4.65903 -3.59134,2.71777 -0.67944,-0.77651 -3.97959,5.43554 0.29119,4.27077 -2.42658,0.38826 -3.30014,5.04728 1.16476,3.30014 -1.45595,3.20309 -4.17371,2.03832 0,0 0,0.19413 1.94126,6.79442 5.5326,6.69735 3.10602,1.74714 2.42657,0 0.29119,0.0971 0.19413,0.0971 1.06769,3.00896 6.11498,2.23245 2.42658,-2.13539 2.52364,-0.38825 5.33847,-4.17371 6.50323,-1.94126 1.74714,-2.81483 0.38825,-5.82379 2.32951,-4.46491 2.9119,-13.20058 5.92085,2.03833 1.94126,-5.72673 3.00896,-3.30014 4.95022,-9.41513 -0.19413,-5.62966 9.02687,3.88253 0.58238,-4.07665 0,-0.0971 0,0 -2.81483,-4.85315 -5.82379,-0.67945 -3.39721,2.62071 0,1.94126 -2.91189,0.67944 -4.27078,3.00896 -2.23245,0.48532 -4.46491,6.3091 -2.23245,-10.19163 -1.94126,0.48532 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Delaware
Estimated Property Tax Rate: 0.60%; Median Taxes Paid: $1,468.00\" data-id=\"DE\" d=\"m 893.80314,207.69739 0.38825,1.45595 8.05624,23.00396 9.22099,-2.71777 -0.0971,-0.19413 0.19413,0 0.29119,0.0971 0,0 0.19412,-0.0971 -0.19412,-0.38825 -2.32952,-6.21204 -11.35638,-10.774 0.48531,-7.47386 0,0 -2.32951,0 -1.74714,1.35888 -0.7765,1.94126 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n \n Maryland
Estimated Property Tax Rate: 1.10%; Median Taxes Paid: $3,508.00\" data-id=\"MD\" d=\"m 911.56569,238.27227 0.67944,-5.2414 -0.58238,3.88252 -0.38825,1.65007 -0.0971,0.19413 0.29119,-0.0971 0.0971,-0.38826 z m 0.48531,-9.02687 -0.19412,0.0971 0.19412,0.58238 0,1.16475 0,-1.8442 0,0 z m -73.37972,-6.01791 2.23245,10.19163 4.46491,-6.3091 2.23245,-0.48532 4.27078,-3.00896 2.91189,-0.67944 0,-1.94126 3.39721,-2.62071 5.82379,0.67945 2.81483,4.85315 0,0 0.29119,0.0971 4.4649,1.16475 3.20308,2.32952 3.10602,1.35888 0.29119,0.29119 0.38826,-0.7765 1.65007,-0.0971 1.35888,0.77651 -1.26182,2.32951 0,0.0971 -1.8442,5.62966 6.01792,3.88252 6.01791,0.29119 3.97959,1.8442 -1.65008,-4.65903 -5.14434,-1.74714 -1.26182,-3.97958 3.20308,4.27077 2.62071,0.38826 -2.32952,-2.32952 -1.8442,-6.89148 0.48532,-3.97959 -2.03833,-4.36784 2.13539,-1.74713 1.55301,-5.62967 -0.58238,8.34743 1.65007,2.81483 1.55301,-3.30014 0.87357,5.43553 -1.65007,3.97959 4.75609,1.74714 -4.07665,1.35888 2.13539,3.97959 3.49427,1.16475 1.94126,-3.3972 -0.19412,4.75609 3.30014,-0.0971 2.13539,2.42657 0.0971,0 0.67944,-0.87356 1.94126,-0.87357 1.26182,-0.48532 -0.0971,-0.19412 2.52364,-7.47386 0,-0.29119 -0.48532,-1.94127 0,-0.0971 -9.22099,2.71777 -8.05624,-23.00396 -0.38825,-1.45595 -1.65008,0.48532 -6.89148,2.13539 -37.95168,10.57988 -6.89148,1.8442 -1.74714,0.48531 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n New Jersey
Estimated Property Tax Rate: 2.50%; Median Taxes Paid: $8,489.00\" data-id=\"NJ\" d=\"m 916.80709,207.30914 -0.48531,-1.16476 0,1.16476 0.48531,0 z m 0.97064,-3.59134 0.29119,-2.91189 -0.58238,2.52364 0.29119,0.38825 z m -3.97959,-29.79837 -10.19163,-2.52365 -1.74714,-0.48531 -1.65007,-0.38825 0,0 -4.07665,9.02687 1.74714,2.13539 -0.0971,6.50322 1.8442,0.29119 3.78546,9.90044 -0.19412,0.29119 -4.75609,6.98855 0.48531,5.33847 11.45345,3.88252 0.0971,4.46491 2.62071,-3.6884 0.38825,-5.33847 2.71777,-1.8442 -1.0677,-3.97959 2.03833,-4.75609 0,-10.38576 -0.67944,-3.39721 -4.56197,0.0971 1.16476,-4.65903 0.67944,-7.47386 0,0 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n New York
Estimated Property Tax Rate: 1.70%; Median Taxes Paid: $5,590.00\" data-id=\"NY\" d=\"m 913.50695,181.78154 -1.45595,2.03832 -0.38825,0.58238 1.8442,-2.6207 z m 13.39471,-4.75609 4.85316,-4.27078 0,-0.19413 -4.85316,4.46491 z m -12.71527,3.00895 0,-3.30014 -0.29119,1.74713 0.29119,1.55301 z m 22.51864,-15.5301 -1.16475,-0.29119 -0.19413,0.87357 1.35888,-0.58238 z m 2.62071,-1.74713 -0.0971,0.97063 0.19412,-0.58238 -0.0971,-0.38825 z m -2.71777,0.0971 -6.50323,6.01791 -9.9975,4.27078 -2.6207,2.23245 -0.19413,2.13539 -2.71777,2.23245 0.38826,2.9119 4.17371,-1.65008 6.11498,-4.95022 6.79441,-3.59133 10.2887,-9.70631 -7.27974,5.53259 -2.32951,0.97064 3.88252,-6.40617 z m 3.00896,-4.07665 0.38825,-0.58238 -1.16476,1.35888 0.77651,-0.7765 z m -109.09895,-3.59134 -1.55301,-0.19412 1.16476,1.55301 0.38825,-1.35889 z m 32.22496,-29.70131 0.19412,-1.0677 -0.7765,0.97064 0.58238,0.0971 z m 0.48531,-6.98855 -0.38825,0.19413 -0.48532,1.06769 0.87357,-1.26182 z m -41.0577,55.13186 0.67944,2.91189 5.14435,1.26182 29.50719,-8.05624 29.70131,-8.92981 5.43554,4.17372 1.06769,2.42658 6.3091,2.71776 0.19413,0.38826 1.65007,0.38825 1.74714,0.48531 10.19163,2.52365 -0.19413,-0.48532 0.87357,3.97959 1.94126,-0.48532 1.0677,-4.36784 0,-0.0971 -1.74714,-1.65007 2.52364,-3.10602 -1.16476,-1.45595 -3.68839,-14.26828 -0.19413,-0.97063 -0.48532,-0.29119 -0.29119,-4.27078 -0.29119,-4.65903 -0.29118,-5.04728 0,-0.29119 -0.19413,0.0971 -4.85316,-15.91835 -5.14434,-8.05624 -1.45595,-9.60924 -4.36784,-10.191633 -0.58238,0.29119 -20.28619,6.794418 -4.07665,4.367845 -4.56197,8.73568 0.19413,1.94126 -6.01791,9.12393 3.68839,1.26182 1.0677,6.89148 -4.27078,5.62967 -12.81233,7.76504 -2.42658,-0.97063 -9.51218,1.35889 -8.83275,5.33847 0.48532,2.81483 3.10602,2.71777 -1.74714,8.54155 -6.98854,8.1533 -0.0971,0.0971 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Pennsylvania
Estimated Property Tax Rate: 1.60%; Median Taxes Paid: $2,917.00\" data-id=\"PA\" d=\"m 900.01517,170.13396 -6.3091,-2.71776 -1.06769,-2.42658 -5.43554,-4.17372 -29.70131,8.92981 -29.50719,8.05624 -5.14435,-1.26182 -0.67944,-2.91189 -1.65007,1.26182 -2.6207,1.8442 -4.7561,4.85315 -0.58238,0.48532 2.71777,11.93876 0.48532,2.13539 2.42657,10.48282 0.48532,2.03832 0,0 4.27078,18.442 13.78296,-3.39721 1.94126,-0.48532 1.74714,-0.48531 6.89148,-1.8442 37.95168,-10.57988 6.89148,-2.13539 1.65008,-0.48532 0,0 0.7765,-1.94126 1.74714,-1.35888 2.32951,0 0.29119,-0.87357 3.78546,-4.27078 0.38825,-0.67944 0.29119,-0.19413 -3.78546,-9.90044 -1.8442,-0.29119 0.0971,-6.50322 -1.74714,-2.13539 4.07665,-9.02687 0,0 -0.19413,-0.38826 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Maine
Estimated Property Tax Rate: 1.30%; Median Taxes Paid: $2,614.00\" data-id=\"ME\" d=\"m 946.7996,118.39932 -0.0971,0 0.19412,0.0971 -0.0971,-0.0971 z m 7.18267,-20.674443 -0.77651,-1.164758 0,0.582379 0.77651,0.582379 z m -1.35888,-1.067695 0,-0.970631 -0.0971,-0.582379 0.0971,1.55301 z m 3.49427,-4.076651 -0.19413,-0.09706 0.0971,0.291189 0.0971,-0.194126 z m 9.70631,-4.853156 -0.19413,-1.455947 -0.38825,0.679442 0.58238,0.776505 z m -2.42658,0.582379 0.0971,-1.067694 -1.16476,0.194126 1.06769,0.873568 z m 3.59134,-3.203083 -0.38825,0 0,0.194126 0.38825,-0.194126 z m -4.85316,1.455947 -0.87357,-0.194126 -0.0971,0.873568 0.97063,-0.679442 z m 4.95022,-3.008957 0.87357,0.679442 -0.29119,-0.776505 -0.58238,0.09706 z m -2.6207,0.09706 -0.87357,1.650073 1.16476,-0.582379 -0.29119,-1.067694 z m -4.17372,0.09706 -0.38825,0.582379 0.29119,0.873568 0.0971,-1.455947 z m 5.72673,-3.203083 -0.0971,-0.776505 -0.29119,0.485316 0.38826,0.291189 z m -0.48532,0.388253 -0.87357,-0.776505 0,0.679442 0.87357,0.09706 z m -5.43553,2.232452 -0.19413,-1.067695 -0.38825,0.873568 0.58238,0.194127 z m 9.22099,-3.39721 -1.45594,2.135389 -0.0971,-1.55301 1.55301,-0.582379 z m 7.08561,-6.503229 -0.67944,-0.970631 -0.38825,0.194126 1.06769,0.776505 z m 2.6207,-4.36784 -0.58237,-0.291189 -0.0971,0.291189 0.67944,0 z m 1.26183,-7.570923 -0.87357,0 0.97063,0.291189 -0.0971,-0.291189 z m 1.45594,0.970631 -0.29119,-1.747136 -0.7765,-0.09706 1.06769,1.8442 z m -1.55301,-1.55301 -0.19412,-1.844199 -0.67945,1.26182 0.87357,0.582379 z m -56.29661,15.23891 14.07415,33.001458 0.19413,0.67944 6.11498,7.47386 0,-0.0971 0.97063,-0.29119 0.19413,-5.5326 1.55301,-1.94126 0.97063,-5.14435 -0.87357,-0.87357 1.65007,-5.047274 5.62966,-2.620704 3.6884,-4.464904 1.35888,-7.765049 5.92085,-0.388253 -0.7765,-3.979588 7.3768,-2.81483 0.48531,-4.36784 1.74714,0.388252 4.85315,-3.979588 2.13539,-5.144345 -4.95022,-4.950219 -5.2414,-1.067695 -1.94127,-3.979588 0,-2.329515 -3.20308,0.970632 -3.59134,-1.261821 0,-3.979588 -9.70631,-20.965634 -7.0856,-3.688398 -7.86212,6.600292 -2.13539,-0.388253 -1.8442,-3.397209 -2.52364,0.970631 -3.59133,17.859614 1.26182,5.823788 1.06769,11.8417 -2.81483,9.123934 1.94126,1.455946 -2.32951,4.464904 -2.52364,-0.388253 -0.19413,0.194127 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Michigan
Estimated Property Tax Rate: 1.50%; Median Taxes Paid: $2,441.00\" data-id=\"MI\" d=\"m 719.96309,138.2002 -0.48532,-0.77651 -0.0971,0.97063 0.58238,-0.19412 z m 1.55301,-1.74714 -1.16476,-1.55301 -0.19413,0.67944 1.35889,0.87357 z m 0.97063,-6.98854 -0.97063,-0.87357 0,0.19412 0.97063,0.67945 z m -2.42658,76.00042 12.03583,-1.94126 3.39721,-0.67944 14.85065,-2.62071 0.29119,1.26182 0.97063,-0.29119 6.40617,-1.35888 6.11498,-1.45595 6.21204,-1.55301 -0.0971,-0.29119 3.20309,-6.3091 -0.29119,-5.24141 3.59133,-9.02687 2.81483,1.65007 1.0677,-2.03832 -0.29119,-7.76505 -2.62071,-4.85316 -3.88252,-10.28869 -3.39721,-3.78546 -1.74714,-0.48531 -6.3091,4.36784 0.67944,0.87356 -3.30014,6.21204 -3.20309,-0.58238 -0.97063,-6.50322 1.35889,-0.48532 2.81483,-6.50323 0.29119,-11.45345 -4.36784,-9.70631 -9.70632,-1.65007 -0.97063,-1.45595 -9.02687,-2.6207 -4.07665,5.04728 0.38825,4.36784 -3.10602,3.88252 0.67945,6.01792 -3.00896,2.13539 0,-7.57093 -2.71777,5.72673 -3.20308,5.04728 -2.13539,1.65007 1.06769,5.33847 -1.35888,5.5326 0.77651,6.89148 -0.97064,3.39721 6.98855,13.39471 0.87357,5.14435 -0.87357,9.51218 -4.65903,10.67695 -0.58238,0.38825 z m 20.77151,-87.45387 -2.52364,0.19412 1.55301,1.16476 0.97063,-1.35888 z m -14.7536,2.52364 -0.7765,0 0.87357,0.38825 -0.0971,-0.38825 z m 16.98605,-12.32702 -0.97063,-1.55301 -0.38825,0.0971 1.35888,1.45594 z m -87.93919,7.08561 3.10602,1.74714 15.91835,4.85315 7.3768,1.94127 7.18267,0.48531 5.24141,4.27078 0,6.60029 4.65903,4.65903 0,-0.0971 3.78546,-10.96814 4.56197,-3.20308 3.49427,-3.88252 0.58238,3.49427 3.59134,-5.5326 8.63861,-3.30014 0.67945,-1.35889 8.73568,1.0677 3.39721,1.74713 1.65007,-4.27077 1.55301,0.97063 6.79442,-1.0677 -1.65008,-2.71777 -3.00895,-1.74713 0.58238,-6.3091 -5.92085,3.30014 -5.43554,-0.67944 -1.74714,-4.17371 0.58238,-1.358888 -7.37679,3.494268 -4.7561,0.29119 -8.54155,5.24141 -0.97063,1.94126 -5.24141,-1.26182 -3.30015,1.45595 -6.60029,-5.72672 -14.65653,-4.46491 -0.29119,-1.747133 -9.41512,9.026873 -5.33847,1.35888 -7.57093,5.72673 -0.29119,0.19412 z m 34.36035,-22.033327 -11.35639,5.629661 3.78546,3.688396 1.45595,-3.688396 3.88253,-4.756093 2.23245,-0.873568 z M 676.77,79.962326 l -7.76505,5.338471 -0.38825,2.620704 6.11497,-4.464903 2.03833,-3.494272 z\" style=\"stroke-width:0.97063118000000004;fill:#f9f9f9\">\n Alaska
Estimated Property Tax Rate: 1.20%; Median Taxes Paid: $3,339.00\" data-id=\"AK\" d=\"m 101.28276,542.95341 -0.48532,0.19412 0.38826,0.0971 0.0971,-0.29119 z m 3.59134,0.58238 0,0 0,0.0971 0,-0.0971 z m -1.74714,-1.65008 0,0.29119 0.19413,-0.0971 -0.19413,-0.19413 z m -0.87357,-0.48531 0,-0.0971 0,0 0,0.0971 z m 1.8442,0.97063 0,-0.19413 -0.0971,0.0971 0.0971,0.0971 z m -0.19413,-0.19413 0,-0.0971 -0.19412,0 0.19412,0.0971 z m -75.709229,-63.77047 -0.09706,0.67945 0.194126,1.94126 -0.09706,-2.62071 z m -0.485315,-2.6207 0.09706,0.87357 0.09706,-0.29119 -0.194126,-0.58238 z m 76.194544,65.22642 0.0971,-0.58238 -0.38825,0.19412 0.29118,0.38826 z m 11.0652,4.75609 -0.0971,-0.0971 0.19412,0.38825 -0.0971,-0.29119 z m -7.18267,-3.39721 -1.06769,-0.97063 0,2.32951 1.06769,-1.35888 z m 2.42658,2.13539 -0.0971,-0.67944 -1.65007,-0.0971 1.74714,0.77651 z m 5.82378,1.35888 -0.0971,0.19413 0.19413,0 -0.0971,-0.19413 z m 0.38826,0.0971 -0.19413,0 0.38825,0.0971 -0.19412,-0.0971 z m 1.16475,0.38826 -0.0971,0 -0.0971,0 0.19412,0 z m -85.70673,-65.8088 0.388252,0.0971 0.29119,-0.0971 -0.679442,0 z m 83.57135,64.44991 -0.77651,-0.0971 0.29119,0.29119 0.48532,-0.19413 z m -88.812759,-72.02083 -1.358883,-0.58238 -0.09706,0.29119 1.455947,0.29119 z m 91.239329,72.21496 -0.19412,-0.0971 0,0.0971 0.19412,0 z m 5.92085,1.16476 -3.78546,0.29119 -0.87357,0.38825 4.65903,-0.67944 z m -104.05166,-88.61863 -1.067695,0 0.194127,0.29119 0.873568,-0.29119 z m 115.7963,93.08353 0,-0.38825 -0.19412,0 0.19412,0.38825 z m 5.04728,0.0971 0.19413,-0.19412 -0.19413,-0.19413 0,0.38825 z m 3.78547,1.0677 0.19412,-0.0971 -0.0971,0 -0.0971,0.0971 z m -3.10602,-1.74714 -0.0971,-0.38825 -0.19412,0 0.29119,0.38825 z m 6.50322,1.45595 -0.0971,0.0971 0.0971,0 0,-0.0971 z m -127.443872,-98.90732 -1.455946,0.19413 1.844199,1.65007 -0.388253,-1.8442 z m 122.299532,97.45137 0.19413,-0.58238 -0.0971,0 -0.0971,0.58238 z m 16.40367,-1.45594 0.0971,-0.19413 -0.19413,-0.0971 0.0971,0.29119 z m -2.42658,-0.87357 -3.39721,3.00895 2.42658,-0.19412 2.81483,-2.23245 -1.8442,-0.58238 z m 6.11498,1.06769 -0.67945,-0.19412 0.48532,0.38825 0.19413,-0.19413 z m 1.35888,0.0971 -1.0677,-0.29118 -0.19412,0.0971 1.26182,0.19412 z m -3.6884,-1.35888 -1.06769,0 1.8442,0.48532 -0.77651,-0.48532 z m 4.4649,0.97063 -0.0971,-0.19412 -0.38825,0.0971 0.48531,0.0971 z m -2.91189,-1.16476 -0.38825,-0.19412 0,1.06769 0.38825,-0.87357 z m 12.42408,2.42658 -0.0971,-0.0971 -0.19413,0 0.29119,0.0971 z m 0.19413,-0.0971 0,-0.0971 -0.19413,-0.0971 0.19413,0.19413 z m -1.65008,-0.58238 0.19413,0.38825 0,-0.0971 -0.19413,-0.29119 z m 0.87357,0 -0.87357,-0.29119 1.0677,0.77651 -0.19413,-0.48532 z m 1.26182,-0.97063 0,0 0,0.0971 0,-0.0971 z m 11.55051,1.45595 -0.19412,-0.38826 -0.0971,0 0.29119,0.38826 z m 104.43992,-6.50323 -0.19413,-0.19413 0.0971,0.19413 0.0971,0 z m -117.6405,3.00895 0,-0.0971 -0.0971,0.0971 0.0971,0 z m 120.45533,-4.75609 0.29119,0.38825 0.19413,0 -0.48532,-0.38825 z m -106.08999,7.27974 -0.0971,0.0971 0,0.29119 0.0971,-0.38825 z m -12.03583,-1.74714 0.19413,-0.77651 -0.0971,0 -0.0971,0.77651 z m 123.75548,-7.76505 -0.87357,0.48532 0.77651,0.38825 0.0971,-0.87357 z m -122.00834,7.27973 -0.0971,-0.19412 0.0971,0.19412 0,0 z m -7.27973,-2.13539 -2.42658,0.48532 -2.13539,2.81483 4.56197,-3.30015 z m 17.37429,3.6884 -0.58237,0.48532 0.58237,-0.0971 0,-0.38826 z m 111.91378,-9.31806 -0.19412,-0.38825 -0.0971,0.19413 0.29119,0.19412 z m -121.23184,6.79442 -0.67944,-0.0971 0.67944,0.67944 0,-0.58238 z m 114.82568,-5.5326 -0.19413,0.19413 0.19413,0.67944 0,-0.87357 z m -113.27267,5.43554 -0.29118,0.0971 0.38825,0.29119 -0.0971,-0.38825 z m 7.18268,2.03832 -0.29119,0 -0.19413,-0.19412 0.48532,0.19412 z m -7.95918,-2.03832 -0.48532,-0.29119 0.19413,0.29119 0.29119,0 z m 6.50323,1.06769 -0.87357,0.29119 -0.58238,1.55301 1.45595,-1.8442 z m 105.41055,-6.79441 0,0.67944 0.38825,-0.48532 -0.38825,-0.19412 z m -116.864,3.68839 0.77651,-0.19412 -0.0971,0 -0.67944,0.19412 z m -0.97063,-0.58238 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The assistance may take the form of downpayment assistance or loan programs.

NEW JERSEY
SEPTEMBER 6, 2024

Cape May Lead Inspection STR
Cape May is looking to require STR to be inspected for lead, which could mean every single time there is guest turnover, which is unnecessary, adds time constraints, and costs for all rentals properties.

NORTH CAROLINA
SEPTEMBER 5, 2024

Ashville Zoning Changes
Changes to Unified Development Ordinance (UDO) will relax the standards for flag lots and cottage developments and thereby activate thousands of new housing lots in the city for possible development. \n

RHODE ISLAND
AUGUST 12, 2024

Newport STR Restrictions
Previously the city banned short-term rentals in Residential Areas, allowing them in General Business and Waterfront Business districts only, with special permits outside these areas.\n

NEW YORK
AUGUST 15, 2024

City of Beacon Good Cause Eviction
The City of Beacon, NY is considering a proposal called good cause evictions which would limit the ability of landlords to evict tenants unless they meet a very specific reason laid in the bill.

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The latest data from the National Fair Housing Alliance (NFHA) indicates that fair housing complaints in the U.S. reached a record high in 2022, with 33,007 complaints reported. This represents a 5.7% increase compared to 2021, when 31,216 complaints were documented. The rise reflects heightened issues such as discrimination based on source of income, domestic violence and other protected categories. Disability-based complaints continue to dominate, accounting for more than half of all complaints filed nationally.
"}, "widgetType": 4}, {"props": {"cards": {"0": {"title": "What is the Fair Housing Act?", "buttonUrl": "#fastfacts", "buttonText": "Fast Facts", "description": "The Fair Housing Act (FHA) prohibits discrimination against anyone buying or renting a home or securing financing for any housing. It prohibits discrimination based on:\u00a0race, color, disability, family status, national origin, religion\u00a0or gender.", "cardLinkType": 3}, "1": {"title": "More Fair Housing Resources", "buttonUrl": "https://s3.amazonaws.com/pub-attachments/136876a7-c3b5-4910-b7c4-096ea91ff732.pdf", "buttonText": "View Guide", "description": "NAR\u2019s Consumer Guide for Fair Housing covers what fair housing is and how consumers and agents have rights and responsibilities to promote a homebuying or selling process free of discrimination.", "cardLinkType": 3}, "2": {"cardLinkType": 1}}, "title": "", "layout": 2, "cardColor": "006bb7", "useCardColor": true, "backgroundColor": "#E9E9EB", "sameCardSizeWidth": false, "useBackgroundColor": true}, "widgetType": 21}, {"props": {"text": "With over 50 years in the industry, Frank Williams has played an integral part in fighting racism and championing the fair housing movement.", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-20/3674d19febadbb93981efbaeddf9ed10/welqE0N5FrxeasY2KpZn_TellYourStory_FrankWilliams.jpg", "buttonUrl": "/Frank/?", "buttonText": "Read Frank's Story", "includeText": true, "imageContain": true, "includeButton": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "Fast Facts about Fair Housing", "autoPlay": false, "showIndex": false, "showBullets": false, "carouselItems": [{"imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/mWE25tj4Zup8hjMxozhP_FairHousingFactsCarousel.jpg", "carouselItemType": 1}, {"imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/xLM7X01PsdNM3Bc7jLGu_FairHousingFactsCarousel2.jpg", "carouselItemType": 1}, {"imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/xKGDR4FMTZYWWKhsxCOR_FairHousingFactsCarousel3.jpg", "carouselItemType": 1}, {"imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/rDBJqfUAbwFbwZ4lT0qF_FairHousingFactsCarousel4.jpg", "carouselItemType": 1}, {"imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/3QpCXC8ZeTwnO2uFe6cN_FairHousingFactsCarousel5.jpg", "carouselItemType": 1}, {"imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/bJTlABe7RVfJryDJh7jm_FairHousingFactsCarousel6.jpg", "carouselItemType": 1}], "slideInterval": "3000", "originalHeight": "300"}, "widgetType": 24}, {"props": {"text": "Pedro Hernandez remembers a time before the passage of the Fair Housing Act when discrimination ran rampant in the neighborhoods of Miami, Florida. ", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-19/e0b40ca3bece01026686211488a1646b/DBwG0ffxxo7Ehyf95Oyz_TellYourStory_PedroHernandezcopy.jpg", "buttonUrl": "/Pedro/?", "buttonText": "Read Pedro's Story", "includeText": true, "imageContain": true, "includeButton": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "", "content": "

Housing Discrimination Hotline

1(800) 669-9777

Know your Fair Housing Rights. Call the number above for consumer complaints of unfair treatment or discrimination. This service is available in English and Spanish. \ufeff

With our informative and easy-to-use First-Time Homebuyer guide, you\u2019ll find resources, tips and answers to common questions to help you make the right choices when beginning the journey toward homeownership.

\n\n

EN ESPA\u00d1OL

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Buying your first home can be a scary proposition - especially in today's housing market where inventory is low, inflation is high, and prices of homes see to be growing by the day.

\n\n

Don't panic.
\n There are things you can do that will get you prepared to buy a home and also give you a leg up on the competition when it comes time to actually make that down payment.

\n\n\n

FIRST

Check your credit score. It's good to know where you are at right from the jump. That way, as you take the next steps, experts can tell you where you need to get to in order to qualify for the loans and mortgage you need to buy that first-home.
Talk to a mortgage broker or banker, even if you have been turned down in the past. They can tell you what you will qualify for now and what you will need to do to get the rest of the way.
Find out which programs you qualify in your state for help with mortgage rates, down payment assistance, and tax benefits. Every state has some programs in place, with some states trending toward allowing you to save money, tax-free, into a first-time homebuyers savings account, to come up with that down payment faster than ever before.

\n\n\n

Taking into account all of your finances, determine what you can actually afford to spend? Potential homeowners should consider the down payment, all of your monthly payments in a given year, property taxes, and general upkeep costs when deciding what you can afford.
Consult a local REALTOR\u00ae and work with them to find the home that is right for you. Not only can a REALTOR\u00ae help you find your home, but they can also help you to negotiate the best deal possible in a competitive housing market.
Did you look for a home a few months back and gave up because you were constantly outbid, or never even had a chance to put in a bid because the home sold so quickly? Now is the time to try again. Many potential home buyers have stopped looking out of similar frustration. Take advantage of that and ramp up your pursuit because there may be less competition now in your housing market.
Determine your best financing option - do you want a standard mortgage, or is it better to have federally-backed home loans? Combine that with your state's First-Time Homebuyer incentive programs while always keeping an eye out for comparative mortgage interest rates.

\n\t\n\n

THEN

Consider moving to a different part of town or a different town altogether. If this is doable, it could be beneficial because even though home prices are up, they aren't up everywhere, and you could find a steal waiting for you in a place you may have never thought to look originally.
Also, consider a home that needs work. Mortgages can include loans for remodeling that make a fixer-upper into a dream home in no time.
Be willing to compromise. Be clear ahead of time on what's on your wish list, but break the wish list down into must haves, would like to haves, and not necessaries. This will help you get your foot in the door faster.

\n\t\n

FINALLY

Make an offer - once you've found the right home, if you followed the steps above, you should be prepared to take the plunge.
Get a home inspection - It's a cost, but it's worth it. This will ensure that the home you are buying is safe and won't incur unexpected expenses in the future.
Once the inspection is complete and you've come to an agreement with the seller, you will then close on the deal and sign all of the necessary paperwork. It typically takes a couple of days for your loan to be funded, but once the check is delivered to the seller, there is only one more step\u2026
Move in and fall in love with your new home.

\n\n\n

\n \n \n

What type of home is best for you? Decide if you're looking for a house, a condo, or a non-traditional home.

\n\n

What features are you looking for in your home? Make sure to take into account everything you're looking for in a home, such as size, number of bathrooms, outdoor space, appliances, and the school district and neighborhood.

\n\n

How can you finance a home? Typically, homes are bought outright or financed over time with a mortgage.

\n\n

What can you actually afford to spend? Potential homeowners should consider your down payment, all of your monthly payments, property taxes, and general upkeep costs when deciding what they can afford.

\n\n

Who can help you with the home buying process? Consult your local REALTOR\u00ae and work with them to find the home that is right for you.

\n\n

\n \n \n

CHECK YOUR CREDIT

Your credit score plays a huge part in your ability to secure a mortgage. Check your credit with your credit card company, online, or with a major credit bureau such as Equifax or Experian.

\n\n

FIGURE OUT WHAT YOU CAN AFFORD

Crunch some numbers to decide how much you can afford to spend on a down payment, monthly payments, and expenses.

\n\n

CHOOSE A LENDER

Find the right lender for you and get pre-approved for a home loan.

\n\n

FIND A REALTOR\u00ae

Find an experienced REALTOR\u00ae to help you through this process. Not only can they help you to find dozens of homes in your budget that meet your requirements, but they can also help you to negotiate the best deal possible in a competitive housing market.

\n\n

FIND YOUR DREAM HOME

Work with your REALTOR\u00ae to find the perfect home within your budget.

\n\n

DETERMINE YOUR BEST FINANCING OPTION

Take your time to research all of your financing options such as standard mortgages, federally-backed home loans, your state's financial incentives and programs for First-Time Homebuyers. Also be sure to keep an eye out for comparative mortgage interest rates.

\n\n

MAKE AN OFFER

Once you've found the right home and financing option, it's time to take the plunge and make an offer to purchase your new home.

\n\n

OBTAIN HOME INSPECTION

To ensure that the home is safe and won't incur large unexpected expenses in the future, be sure to get a home inspection before closing on your new home.

\n\n

COORDINATE THE PAPERWORK AND CLOSE THE SALE

Once the inspection is complete and you've come to an agreement with the seller, you will then close on the deal and sign all of the necessary paperwork. It typically takes a couple of days for your loan to be funded, but once the check is delivered to the seller, there is only one more step\u2026

\n\n

MOVE IN!

\n\n

You did it! Now kick your feet up and enjoy your new home.

\n\n

\n\n \n

Of course, there are obstacles that may arise when buying a home, but no problem is insurmountable when given the right approach. Be sure to discuss these issues with your REALTOR\u00ae and/or loan officer if they are applicable to you. They will likely have insight into how others have addressed these obstacles.

\n\n

Student debt burden

Many Americans are paying off high student loan debt, which makes it much harder to afford a home.

\n\n

Declining single-family housing affordability

Single-family homes are rising in price, making them more difficult to afford for many families.

\n\n

Insufficient single-family housing supply

While single-family homes are becoming more expensive, they're also harder to find on the market in most states.

\n\n

\n\n \n

The Fair Housing Act (FHA) prohibits discrimination against anyone who is buying or renting a home or securing financing for any housing. It prohibits discrimination\nbased on:

Race
Color
Disability
Family status
National origin
Religion
Gender

Know your rights. You can learn more by visiting our Fair Housing page.

\n\n\n

\n\n \n

There are dozens of incentives when it comes to homeownership such as tax deductions and first-time home buyers savings accounts. Some states offer tax-preferred savings accounts to make it more affordable for first-time homebuyers to purchase their first home. Be sure to check your state's Department of Housing & Urban Development for First-Time Homebuyer Programs and Incentives for specifics and local policies.

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Looking for more information?

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\ufeff\ufeffThis shortfall has made the cost of owning a home out of reach for most A\ufeffmericans. The time is now to push for policies that will help address this disparity.

"}, "widgetType": 4}, {"props": {"cards": {"0": {"title": "The More Homes on the Market Act", "description": "The legislation allows homeowners to exclude up to $500,000 in capital gains for single filers and $1 million for married joint filers when selling their home, while also indexing these amounts for future inflation to protect homeowner equity.", "cardLinkType": 1}, "1": {"title": "The Neighborhood Homes Investment Act", "description": "By attracting private investment for building and rehabilitating owner-occupied homes through tax credits, we promote neighborhood stability and sustainable homeownership.", "cardLinkType": 1}, "2": {"title": "The Choice in Affordable Housing Act", "description": "This bipartisan legislation incentivizes housing providers to participate in the HUD Housing Choice Voucher program, ensuring safe and reliable housing for low-income individuals and families.", "cardLinkType": 1}}, "title": "", "layout": 3, "useCardColor": false, "backgroundColor": "e9e9eb", "sameCardSizeWidth": false, "useBackgroundColor": true}, "widgetType": 21}, {"props": {"title": "Learn More About Affordable Housing", "content": " \n

By revitalizing neighborhoods and encouraging investment, affordable housing initiatives can lead to an appreciation in property values in the surrounding areas, making it a win-win for homeowners and communities alike.¹

\n\n

\n\n \n

By providing housing options closer to employment centers popular destinations, affordable housing helps reduce the need for long commutes, easing traffic congestion and contributing to a more sustainable urban environment.²

\n\n

\n\n \n

The construction and maintenance of affordable housing developments stimulate local economies by creating jobs in construction, property management, and various support services, while also generating additional tax revenue through increased economic activity.³

\n\n

\n\n \n

Offering affordable housing options near workplaces can reduce commute times and housing-related stress for employees, leading to improved productivity, job satisfaction, and overall well-being.⁴

\n\n

\n\n \n

Affordable housing is occupied by individuals and families who are employed and own the home or pay rent, debunking the myth that it leads to an increase in crime; instead, it helps foster a stable and engaged community.⁵

\n\n

\n \n

Footnotes

https://www.nar.realtor/effects-of-low-income-housing-on-property-values

https://housingforwardva.org/toolkits/affordable-housing-101/myths-of-affordable-housing

https://www.bloomberg.com/news/articles/2019-02-05/how-affordable-housing-can-boost-the-economy

https://hbr.org/2023/03/what-employers-can-do-to-address-high-housing-costs

https://www.nytimes.com/2020/11/05/us/affordable-housing-suburbs.html

\t\t\t\t\t\t\t\t\n

\n"}, "widgetType": 4}, {"props": {"title": "Affordable Housing Quiz (Click All That Apply)", "content": "

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Tell your elected officials to support practical solutions that incentivize homeownership and make it more accessible.

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Whether you're a current homeowner or taking your first steps toward owning a home, we are a resource and advocate that will support you through each phase of the homeownership journey.

\n We work closely with state and local REALTOR\u00ae associations to raise awareness about key real estate policies and to tackle pressing challenges like housing affordability, housing supply, rising taxes and other emerging barriers to homeownership.

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For those taking their first steps toward homeownership, Property Action is dedicated to breaking down the barriers that stand in the way of achieving your dreams. Whether you\u2019re saving for a down payment, navigating mortgage options, or learning about homebuying, we provide the tools and advocacy to make the process smoother.

Our efforts for future homeowners include:

Housing Affordability Advocacy: Working with policymakers to expand affordable housing options and develop solutions to reduce barriers to entry for first-time buyers.
Homebuyer Education: Providing resources, guides, and resources to empower future homeowners with knowledge about saving for a home, the buying process, and financing options.
Expanding Housing Supply: Advocating for zoning reforms, smart growth initiatives, and incentives that encourage new housing development at all income levels.
Down Payment Assistance Programs: Connecting aspiring homeowners with resources and programs that help make saving for a home more attainable.

\n\n

Together, these resources and initiatives help future homeowners realize their aspirations, ensuring more people can experience the benefits of homeownership.

\n\n

By working for both current and future homeowners, we help create a strong foundation for a thriving and equitable housing market.

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As a current homeowner, your property is one of your most significant investments, and we\u2019re here to help you protect it. We provide resources and advocate for policies that ensure your home remains a stable asset. Our initiatives include:

\n\n

Advocacy Against Rising Property Taxes: Collaborating with state and local REALTOR\u00ae associations to address policy proposals that could unfairly burden homeowners.\n
Protecting Property Rights: Championing regulations that safeguard your ability to use and enjoy your home, while opposing measures that could limit your property rights.\n
Disaster Preparedness and Recovery Resources: Offering tools and guidance to help you secure your home before disasters strike and assist you in recovering quickly if they do.\n
Improving Neighborhoods: Supporting initiatives that enhance community infrastructure, safety, and access to quality schools and amenities.

\n\n

With these efforts, we ensure that your home remains a sound investment, a safe haven, and the cornerstone of your future by building generational wealth.

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Watch Their Journey Home

Discover inspiring stories from the real lives of people who recently overcame affordability hurdles, navigated competitive markets and took their first bold steps toward homeownership.

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Mick Harvard:

\"We spent 16 amazing years in our dream neighborhood\u2014raising our son, building a life, and loving the community. As we became empty nesters, we recently downside from living in a very sought after neighborhood to an adjacent neighborhood due to affordability. The taxes in our previous neighborhood were so high, but were a tradeoff for the great school system we were in! Once our son graduated from school, there was no longer a need to live there and it was time for us to start a new chapter. problem we faced was availability. We had to get creative, and ended up purchasing an older home which we turned into our dream home by tearing it down to the studs and doing a full renovation.Homeownership, to me, is about freedom\u2014to create the life and legacy you envision. It's not just about where you live today, but about building something lasting for your children and grandchildren.\"

", "title": "Everything is Possible with Determination", "videoUrl": "https://www.youtube.com/watch?v=4KtqZKu5Wl4&list=PLTNXCv17K3Z7XKB5pq9dUtnpxNradfPDP", "mediaType": 3, "hideCtaButton": true, "isLeftAligned": true, "useBackgroundColor": false}, "widgetType": 23}, {"props": {"text": "

Stacey Freeman:

\"Ever feel like homeownership is just out of reach? I\u2019ve been renting in L.A. for years, telling myself the market\u2019s too tough. But then I saw this stat: In 2023, the median net worth of homeowners was $396,200. For renters? $10,400. That 40x wealth gap stopped me in my tracks. I realized that homeownership isn\u2019t just about having a place\u2014it\u2019s about building wealth, stability, and a future for my family. So I'm starting to take steps to reach my goal of homeownership: I\u2019m exploring neighborhoods I hadn\u2019t considered. I\u2019m using tools and resources that make the process less overwhelming. And I\u2019m staying hopeful. I found a wealth of helpful resources and guides to assist me on my path to homeownership on www.propertyaction.realtor.\"

", "title": "Ever Feel Like Homeownership Is Just Out Of Reach?", "videoUrl": "https://www.youtube.com/watch?v=vqJ21h_76E0&list=PLTNXCv17K3Z7XKB5pq9dUtnpxNradfPDP&index=2", "mediaType": 3, "hideCtaButton": true, "isLeftAligned": true, "useBackgroundColor": false}, "widgetType": 23}, {"props": {"text": "

Jayna Glover:

\"We wanted our home so badly and almost gave up, but our REALTOR was amazing! There are so many great tools and tips on this website that I wish I had known about! So if you are looking, check out www.propertyaction.realtor.\"

", "title": "We Wanted Our Home So Badly and Almost Gave Up", "videoUrl": "https://www.youtube.com/watch?v=urODO1yRXsI&list=PLTNXCv17K3Z7XKB5pq9dUtnpxNradfPDP&index=3", "mediaType": 3, "hideCtaButton": true, "isLeftAligned": true, "useBackgroundColor": false}, "widgetType": 23}, {"props": {"text": "

\ufeffAshley Houston:

\"We couldn\u2019t afford our dream neighborhood\u2026 so we got creative. We explored new areas, leaned on tools and checklists, and ended up in a home that became everything we didn\u2019t know we needed. Homeownership hasn\u2019t been easy, but it\u2019s changed our future. The net worth of homeowners is 40x higher than renters, and it\u2019s one of the best ways to build wealth and stability for your family. If you're looking for resources to help you find your dream home, I suggest checking out www.propertyaction.realtor or visiting the link in my bio for homeownership guides and support. Let Property Action help you Find Your Way Home. Plant Roots. Grow Wealth.\"

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Ashley & Malori Anthony:

\"When people asked about our plans for homeownership, we always told them it was five to ten years out in the future - if at all. But then with the encouragement of family to do some research and an unexpected need to move out of our rental, we learned it was all possible! We spoke with agents, did our research, and eventually found the perfect new build in our budget. We did have to adjust some expectations, having to move further from family to a new, growing area, and we are so proud to own our first home, where we will grow our family and plant our roots!\"

", "title": "We Never Believed Homeownership Was Possible For Us!", "videoUrl": "https://www.youtube.com/watch?v=LmL9gw4obSU&list=PLTNXCv17K3Z7XKB5pq9dUtnpxNradfPDP&index=5", "mediaType": 3, "hideCtaButton": true, "isLeftAligned": true, "useBackgroundColor": false}, "widgetType": 23}, {"props": {"text": "

Vanessa Bahena:

\"You know how parents always have those motivational quotes that don\u2019t always make sense until you look back years ago? You could say that my parents walked so I could run. With their example of \u201cMija, todo se puede, con ganas\u201d (everything is possible with determination) we went through the homebuying process to put our stake in the ground of the American dream and to pave a path our families hadn\u2019t walked down before. To learn more about homeownership, please visit: www.propertyaction.realtor.\"

", "title": "Everything is Possible with Determination", "videoUrl": "https://www.youtube.com/watch?v=EfLMmeDTuc0&list=PLTNXCv17K3Z7XKB5pq9dUtnpxNradfPDP&index=8", "mediaType": 3, "hideCtaButton": true, "isLeftAligned": true, "useBackgroundColor": false}, "widgetType": 23}, {"props": {"text": "

Avelyn Castillo

\"Para realizar tus sue\u00f1os de ser due\u00f1o de tu propia casa.\"

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Shantaquilette Carter Williams

\"Home is where your story begins. I bought my first home at 29, and it\u2019s been a journey of dreams, memories, and future possibilities. Every corner of our home holds a story filled with laughter, love, and growth. This home isn\u2019t just a place; it\u2019s a legacy for our children, a foundation for building generational wealth and securing their future. Home is where our story of love, growth, and endless possibilities begins. \ud83c\udfe1\u2764\ufe0f To learn more about homeownership, please visit: http://www.propertyaction.realtor.\"

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Find Your Way Home

Watch the second video in our series to inspire you to open the door to your future by taking that first step toward homeownership.

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Watch Their Journey Home

Discover inspiring stories from the real lives of people who recently overcame affordability hurdles, navigated competitive markets and took their first bold steps toward homeownership.

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View resources aimed at providing homebuyers with more detailed information about the process of buying a home.

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As of August 17, 2024, many real estate professionals nationwide will be asking buyers to enter into a written agreement prior to touring a home. But what if you are just attending an open house? Here\u2019s what you should know:

I am attending an open house without an agent. Do I need a written buyer agreement in order to tour the home?

No. If you are simply visiting an open house on your own or asking a real estate professional about their services, you do not need to sign a written buyer agreement.

Is an agent who is hosting an open house required to enter into written agreements with the potential buyers who attend the open house?

No. In this case, since the agent is only there at the direction of the listing broker or seller, the agent is not required to have a written agreement with the buyers touring the home.

When will I be asked to sign an agreement with an agent?

After you begin \u201cworking with\u201d an agent, and at any point before you tour your first house together.

What does \u201cworking with\u201d an agent mean?

A buyer is \u201cworking with\u201d an agent as soon as the agent begins to provide services, such as identifying potential properties and arranging tours. Agents who are simply marketing their services or speaking to a buyer at an open house or by providing a buyer with access to a house they have listed are not considered to be working with the buyer.

What does it mean to \u201ctour\u201d a home?

Under the terms of the settlement, a \u201ctour\u201d is when a buyer working with an agent enters a home that is for sale or directs their agent to enter the home on their behalf. This includes when the buyer\u2019s agent provides a live, virtual tour to a buyer who is not physically present.

What is the purpose of written buyer agreements?

Clarity and transparency. Written buyer agreements lay out the services your real estate professional will provide and what they will be paid. Buyers should not sign anything that includes terms they do not agree with or do not understand. You are in the driver's seat with these agreements, which are fully negotiable.

Where can I learn more about buyer agreements?

Review Property Action\u2019s dedicated resource on written buyer agreements.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

America is facing a major housing shortage, with 4.7 million homes needed to meet demand. That means prices are high and options are limited. Increased supply helps stabilize prices, revitalize communities and support the American Dream of homeownership. The good news? Lawmakers in Washington, D.C., are working on solutions to help people like you find a home that fits your needs and your budget.

Here\u2019s how:

More Homes, More Options
The bipartisan Housing Supply Framework Act (H.R. 2840/S.1299) would make it easier to build and sell homes, helping to bring more listings to the market and easing price pressure.

Support for First-Time Buyers
The Uplifting First-Time Homebuyers Act (H.R. 3526) would let first-time buyers use more of their retirement savings, penalty-free, to help with a down payment.

Turning Empty Buildings into Homes
The bipartisan Revitalizing Downtowns and Main Streets Act (H.R. 2410) would help turn unused commercial buildings, like old offices, into apartments or mixed-use spaces, adding housing in walkable areas.

Protecting Fair Housing for Everyone
Support the Fair and Equal Housing Act to add sexual orientation and gender identity as protected classes under the Fair Housing Act.

Smart Tax Updates to Unlock Homes
Tax law changes in the bipartisan More Homes on the Market Act (H.R. 1340) would decrease the equity penalty and encourage long-time homeowners to sell, opening up more homes for today\u2019s buyers.

Read more about Property Action\u2019s legislative agenda and take action on campaigns.

$\"Shape\"$ Once you sign a purchase agreement on your new home, there are still several steps to complete before you can finalize\u2014or \u201cclose\u201d\u2014the transaction. While the process differs in each state, here are the basics of what you can expect during the period between signing and closing:

What happens after I sign a purchase agreement?\u202f

Once you have signed a purchase agreement, you will enter \u201cescrow,\u201d an arrangement that protects both buyers and sellers during real estate transactions. Escrow means that a third party controls payments between you and the seller in a separate account and will only release the funds once both you and the seller meet the terms of your agreement. An agent who is a\u202fREALTOR\u00ae\u202fcan help you navigate this process.

What goes into an escrow account?\u202f

Typically, a buyer puts money into the account to show they intend to close on the home, called \u201cearnest money.\u201d This may be a percentage of your purchase price or a set amount. The seller\u2019s property documents will also be held in escrow by a designated person, such as an attorney or another agent. Once you close on the home, your money will typically be applied towards your down payment and other closing costs.

What do I need to do before I can close?\u202f

If you are paying for your home over time, you will first and foremost need an approved\u202fmortgage loan\u202fbefore closing. Mortgage lenders typically require certain tasks to be completed before closing, such as a home appraisal and a title search, which verifies the seller owns the home. Lenders may also require that you purchase homeowners or other types of insurance. Homeowners insurance is important because it will cover you for unexpected losses at your home, which can help you repair or rebuild after damage, replace your belongings and/or cover medical expenses if someone is injured on your property. You may also want to consider other types of insurance, such as mortgage, flood or title insurance, depending on your circumstances. If your down payment is less than 20%, you may be required to have mortgage insurance as well.

What is an appraisal?\u202f

A home appraisal is a professional opinion of a home\u2019s value by a\u202flicensed or certified residential appraiser\u202fthat helps the lender ensure the purchase price is in line with the property value. Your purchase agreement might have a \u201ccontingency\u201d on an appraisal\u2014a condition that the market value and purchase price must align in order for the transaction to continue. A mismatch between a home\u2019s appraised value and the purchase price could impact how much your lender allows you to borrow for your mortgage. Some lenders also have appraisers verify certain things, like chipped paint or handrails, to ensure the home is safe. If you are not using a mortgage and are paying for a home \u201cin cash\u201d\u2014money you currently have available\u2014you may still make your offer contingent on an appraisal or do one independently, but it is not required.

Do I need an inspection?\u202f

While not required, some buyers include a home inspection as a contingency in their purchase agreement. An inspection protects you from costly problems you may not have noticed until after moving in. An inspector will look for potential problems throughout the interior and exterior of the home, which could include tests for radon, lead paint and asbestos. Your agent can help you\u202ffind a trustworthy inspector\u202fand determine which type of inspection will work best for you.

How long will all this take, and when can I move in?\u202f

These steps may take several weeks or more, depending on your situation. Each part of the process operates on its own independent timeline, so the length of the process is influenced by many factors, such as when you schedule home inspections and how long it takes for your mortgage application to be approved.

What happens at closing?\u202f

You can expect to sign documents, exchange keys and bring your cash to close\u2014the amount of which can vary depending on your down payment, credits and other fees for things like the inspection, loan processing or costs related to purchased insurance policies.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

One of the\u202fsteps between signing and closing\u202fon a home is when homebuyers typically deposit money into an escrow account. An agent who is a\u202fREALTOR\u00ae\u202fcan help advise you on your offer and how to keep your deposits safe. When it comes to escrow, here\u2019s what homebuyers should know:

What is escrow?

Escrow is a financial agreement in which a third party, such as an attorney or another settlement or title agent, controls payments between the buyer and seller, releasing the funds involved only when all the terms of the contract are met. As the buyer, once you close on the home, the money you\u2019ve placed in escrow will often be applied toward your down payment and other closing costs.\u202f

What is \u201cearnest money?\u201d

Also known as a \u201cgood faith deposit,\u201d an earnest money deposit is paid by a homebuyer to show their interest is legitimate and they intend to close on a home. This may be a percentage of the purchase price or a set amount. To protect the funds, earnest money will be held securely in an escrow account until closing or any disputes are resolved. During this time, the buyer and seller will be unable to access the funds. Importantly, earnest money is NOT the same as a down payment, which is the money you put toward the home\u2019s purchase price.

What happens to the earnest money deposit if the transaction is canceled or interrupted?

If the seller stops the sale, the funds in escrow are returned to the buyer. Additionally, if contingencies included in the purchase contract, such as a home inspection, appraisal or financing, are unable to be resolved, then the money gets refunded to the buyer. However, if the buyer interrupts the sale for other reasons, the seller may get to keep the money. For example, if a buyer waives contingencies prematurely, fails to meet set deadlines or gets cold feet and abandons the transaction,\u202famong other circumstances, this could result in the loss of their earnest money deposit. Work with your agent and a legal professional to ensure you understand the terms of your contract to avoid putting the transaction and your money at risk.

Is an earnest money deposit required?

There are no laws requiring an earnest money deposit to be attached to a home offer. However, it is a common practice, particularly in some competitive markets and when a buyer\u2019s down payment is less than 20% of the purchase value. Certain sellers may require or request earnest money deposits or look favorably at offers that include them.

How much earnest money should I offer?

Earnest money deposits can be any amount, but typically range from 1% to 10% of the home\u2019s purchase price. The size of your deposit may depend on several factors, including the competitiveness of the market, your down payment amount, whether you include contingencies in your offer and the seller\u2019s preferences. Fixed earnest money amounts\u2014rather than percentages of the home\u2019s sale price\u2014are also becoming more common in some regions.

Are there any risks to placing my money in an escrow account?

As with any transaction, the risk of fraud exists when wiring money, but there are steps you can take to protect yourself during the home closing process involving the transfer of funds. Your agent can educate you on how to avoid falling victim to wire fraud scams. Always confirm wire instructions with your bank, lender and any other known parties involved in person or on the phone before initiating the transfer. Check out our resource on protecting your money from scams.\u202f

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Home sellers often offer concessions to attract buyers or close a deal. Here\u2019s what you need to know:

What are seller concessions, and why do they make them?

A concession is when a seller pays for certain costs associated with purchasing a home for the buyer. Concessions could make the property more attractive to buyers or lead to a better or faster offer. Concessions also help make homeownership more accessible for buyers by reducing upfront expenses, so buyers with limited cash reserves may be able to stretch their budget further.

What are some examples of concessions they may offer?

Concessions can include covering costs associated with a title search, loan origination, inspection, homeowners\u2019 associations, real estate taxes or home repairs and updates. They can also be used to cover fees for professionals like agents and appraisers.

How do seller concessions work?

Concessions can be advertised upfront or negotiated as part of a home purchase agreement. In the agreement, a concession is often written as a specific dollar amount. Seller concessions aren\u2019t usually binding until they are put into a contract, like a purchase agreement.

What\u2019s the difference between a concession and an offer of compensation?

Concessions can cover a variety of costs or fees associated with purchasing a home, whereas an offer of compensation is specifically made when the seller or their agent agrees to compensate a buyer\u2019s agent for bringing a buyer who successfully closes the transaction.\u202f

How do I know if a seller is offering concessions?

Concessions can be advertised publicly, shared on a Multiple Listing Service (MLS)\u2014an online platform that compiles home listings from different sources\u2014or discussed during purchase negotiations. Keep in mind that not all MLSs allow concessions to be advertised, and some only allow you to indicate whether a seller is offering a concession with a simple \u201cyes\u201d or \u201cno.\u201d

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

You\u2019ve decided it\u2019s time to buy a home and want to work with an agent to guide you through the process. The next step is to interview agents and negotiate a written agreement that outlines the services the agent will provide and the compensation they will receive. Here\u2019s what you need to know about negotiating an agreement with an agent who is a\u202fREALTOR\u00ae:

When will I be able to negotiate?

Written buyer agreements are required for many real estate professionals before you tour a home with them, either in person or a live virtual tour. These agreements help ensure both you and your agent are clear about roles, responsibilities and agent compensation. If you are simply visiting an open house on your own or asking a real estate professional about their services, you do not need to sign a written buyer agreement. Learn more about\u202fwritten buyer agreements here, and learn more about\u202fopen houses and tours here.

What can I negotiate?

Agreements with your agent are negotiable, including terms about the services your agent will provide, how much your agent will be paid, how long your agreement will last and more. You and your agent will work together to reach an acceptable agreement that allows you to get the value and services you need in the homebuying process, while also enabling your agent to pursue fair compensation for their work. Remember: compensation is fully negotiable and not set by law. You should consult an attorney if you have any questions or concerns regarding an agreement.

How is my agent compensated?

Agent compensation can take many forms, such as a flat fee, a percentage of the purchase price or an hourly fee. Agents cannot agree to an open-ended amount or range of compensation, such as \u201cthe agent\u2019s compensation will be whatever amount the seller is offering\u201d or \"between X and Y percent.\" You can also ask the seller to offer compensation to your agent, which can be sought in the purchase agreement. More info can be found in our\u202foffers of compensation guide here.

What types of services can my agent provide?

Agents may offer many types of services, such as finding and showing you homes that meet your criteria, accompanying you to showings, sharing their analysis of available properties, negotiating on your behalf and more.

How do I start the conversation?

You may want to talk to a few agents to find the best match to help you on your homebuying journey. Start by asking questions about the options available to you. If you are working with a REALTOR\u00ae, they are bound by a Code of Ethics to have open and transparent conversations with you about your options.

What if we can\u2019t agree?

You don\u2019t have to sign an agreement that you don\u2019t agree with, and you or the agent can walk away from a negotiation at any time. Keep looking for the right fit\u2014another agent may be able to better meet your needs.

Can we change the terms of the agreement after we make it?

Yes. You and your agent can mutually agree to change the terms of your agreement. But your agreement and/or state law may govern when it can be changed or terminated. Read your agreement closely and speak with your agent if you would like to change or exit your agreement.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

If you\u2019re a homebuyer working with an agent who is a\u202fREALTOR\u00ae, it means you are working with a professional ethically obligated to work in your best interests. As of August 17, 2024, you will be asked to sign a written buyer agreement after you\u2019ve chosen the professional you want to work with. Here\u2019s what you should know about these agreements:

What is a \u201cwritten buyer agreement?\u201d What does it do?\u202f

A written buyer agreement is an agreement between you and your real estate professional that outlines the services they will provide, and what they will be paid for those services.

Why am I being asked to sign an agreement?\u202f

Written buyer agreements became a nationwide requirement for many real estate professionals as part of the National Association of REALTORS\u00ae\u2019 proposed settlement of litigation related to broker commissions. The requirement went into effect on August 17, 2024.

Are these agreements new?\u202f

In some places, yes. Many states have required them for years, while some have not. As a result, it is entirely possible that you or others you know have not used them recently. Regardless, they are now a nationwide requirement for many real estate professionals.\u202f

Are these agreements negotiable?\u202f

Yes! You should feel empowered to negotiate any aspect of the agreement with your real estate professional, such as the services you want to receive, the length of the agreement and the compensation, if any. Compensation between you and your real estate professional is negotiable and not set by law. In the written agreement, the compensation must be clearly defined (e.g., $0, X flat fee, X percent, X hourly rate) and should not be open-ended or a range. Only sign an agreement that reflects what you have agreed to with your real estate professional.\u202f

How do I benefit from these agreements?\u202f

These agreements clearly lay out what services you (as a homebuyer) expect your real estate professional to provide, and what your real estate professional will be paid. These agreements make things clear and reduce any potential confusion at the outset of your relationship with your real estate professional.\u202f

When do I need to sign an agreement?\u202f

You will be asked to enter into a written buyer agreement with your real estate professional before \u201ctouring\u201d a home with them, either in person or virtually. If you are simply visiting an open house on your own or asking a real estate professional about their services, you do not need to sign a written buyer agreement.\u202f

Does this mean I have to pay my real estate professional out-of-pocket?\u202f

Not necessarily. While you are responsible for paying your real estate professional as outlined by your agreement, you can still request, negotiate for and receive compensation for your real estate professional from the seller or their agent.\u202f

Do agreements dictate a specific type of relationship I need to have with my real estate professional?\u202f

No. You are allowed to enter into any type of business relationship with your real estate professional, as allowed by state law where you live.\u202f

Can I change or exit an agreement?\u202f

Yes. You and your real estate professional can mutually agree to change your agreement. Agreements may have specific conditions under which they can be exited, so read the text of the agreement and speak with your real estate professional if you would like to change or exit your agreement.\u202f

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

For many homeowners, the mortgage interest deduction can offer meaningful tax savings. If you're navigating tax season or planning to buy a home, understanding how this deduction works can help you make smarter financial decisions. Here\u2019s what you need to know:

What is the mortgage interest deduction?

The mortgage interest deduction allows you to subtract the interest paid on a qualifying home loan from your taxable income. This means you\u2019re taxed on a smaller amount, which can lower your overall tax bill. It\u2019s one of several financial advantages of owning a home, especially for those moving on from renting or weighing the costs and benefits of homeownership.

Who qualifies for this deduction?

To claim this deduction, you must itemize deductions on your tax return instead of taking the standard deduction. Your mortgage must meet\u202fIRS rules, typically being $750,000 or less, and be secured by a primary or secondary residence. Other factors\u2014like local property taxes,\u202fHOA fees or home-related expenses\u2014can affect whether itemizing makes sense for your situation.

What types of loans are eligible?

The deduction applies to loans used to buy, build or substantially improve a home. This includes first mortgages, refinances and some home equity loans, as long as the funds go toward significant renovations or upgrades. Even loans related to construction or land may qualify under specific conditions, especially with permits or active building plans.

How much can I deduct?

Your deduction depends on your loan size and how much interest you paid during the year\u2014figures you\u2019ll find on Form 1098 from your lender. It's smart to check this early, especially if you refinanced your mortgage, paid in lump sums or had a late-year closing. Understanding how this ties in with\u202fclosing costs, insurance and\u202ftitle fees\u202fcan also help clarify your true homeownership costs.

Does everyone benefit from this deduction?

Unfortunately not. Since the standard deduction was nearly doubled in 2018, more than 90% of tax filers have a higher standard deduction than if they itemized, and this includes many homeowners. If your mortgage or other deductible expenses are low, the standard deduction may save you more, particularly for\u202ffirst-time buyers\u202fwith modest mortgage payments or homeowners who are close to paying off their loans. But itemizing often pays off for households with larger loans, higher property taxes or charitable contributions. Your home\u2019s location and local tax rates can also influence the decision, so it\u2019s worth reviewing each year.

Can I deduct mortgage interest on a second home?

Yes, mortgage interest on a second home can qualify for the deduction, as long as the loan meets the same requirements that apply to your primary residence. The total combined mortgage debt for both homes generally must stay within the $750,000 cap. You\u2019ll also need to itemize deductions and use the second home for personal purposes, not just as a rental.

What happens to my deduction if I sell or refinance my home?

If you sell your home, you can typically still deduct the mortgage interest paid up to the date of sale. If you refinance, your ability to deduct interest depends on how you use the new loan. Interest is still deductible if the refinance is used to substantially improve the home or pay off original mortgage debt. However, if you take cash out and use it for unrelated expenses, that portion of interest will not be deductible as mortgage interest. Review your new loan terms carefully and keep your Form 1098 from both lenders.

How is the National Association of REALTORS\u00ae working to preserve the tax benefits of homeownership?

NAR\u2019s Advocacy Team works tirelessly to advance public policies that build strong communities, protect property interests and promote a vibrant business environment, including the tax benefits of homeownership.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

The National Association of REALTORS\u00ae and Property Action proudly support those who serve our country on their journey to achieve the American Dream of homeownership. Veterans and active servicemembers often have unique needs when looking for a home, and agents who are\u202fREALTORS\u00ae\u202fare committed to ensuring those needs continue to be met following the real estate practice changes that went into effect on August 17, 2024. Here is what you need to know:

I\u2019d like to take advantage of my Department of Veterans Affairs (VA) Home Loan benefit. Am I allowed to pay for a real estate agent under VA rules?

Yes. On August 10, 2024, the VA enacted a temporary policy allowing buyers with VA home loans to pay for real estate professional representation. NAR advocated extensively for this outcome to give veterans greater access to professional representation in their pursuit of homeownership. NAR\u2019s efforts include meeting directly with VA officials, engaging lawmakers and gathering support from our industry partners, as well as submitting a\u202fletter\u202furging the department to lift the ban.

Why is the policy only temporary? Will it be made permanent?

The VA will decide if a formal rulemaking is necessary to make this policy permanent. NAR is advocating for this policy to become permanent through continued engagement with lawmakers and the VA, sharing examples of how this policy change benefits consumers.

Why am I being asked to sign a written agreement?

Written buyer agreements lay out the services your real estate professional will provide and what they will be paid for those services. The practice changes require written agreements for many real estate professionals nationwide. You are in the driver's seat with these agreements, which are fully negotiable. You should not sign anything that includes terms you do not agree with or do not understand. For more information on written buyer agreements, see our resource guide.

How does my buyer\u2019s agent get paid?

This is determined in your written buyer agreement. Methods of paying a buyer\u2019s agent may include, but are not limited to, the seller or their listing broker offering to compensate the buyer\u2019s agent, the buyer requesting that the seller pay the buyer\u2019s broker as part of the purchase offer or the buyer paying their agent directly out of pocket.

What has NAR done to promote access to financing for veterans?

\u2022 NAR has been a strong supporter of the VA Home Loan Guaranty program, which has helped American veterans obtain more than 24 million home loans.

\u2022 NAR continues to advocate for the VA to offer flexible and competitive loan products. For example, some veterans are still losing out due to the VA\u2019s strict appraisal requirements for properties they insure.

\u2022 NAR continues to work with the VA and Congress to ensure that the descendants of certain veterans may use an unused home loan benefit.

\u2022 NAR advocates for allowing a veteran to sell their home to a buyer who can assume their existing interest rate.\u202f

Why should veterans and active service members work with an agent who is a REALTOR\u00ae?

REALTORS\u00ae are obligated under NAR\u2019s Code of Ethics to work in your best interests. Additionally, many REALTORS\u00ae have obtained\u202fa Military Relocation Professional (MRP) certification\u202fto better prepare them to work with veteran buyers. Find a REALTOR\u00ae who has earned the MRP certification here.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Buying a home is one of the largest personal and financial decisions you can make. For many buyers, the process includes finding a loan that will help you pay for your new home over time. An agent who is a\u202fREALTOR\u00ae\u202fcan help you learn about your options. Here\u2019s what else you need to know:

What is a mortgage, and how do I get one?\u202f

A mortgage is a loan offered by a bank or lender that lets you borrow money to purchase a home and repay it over time with interest. Mortgages can take many forms, but one of the most popular options is a 30-year fixed-rate mortgage. Many factors can affect the mortgage options available to you, including your down payment, personal finances (e.g., credit score, income, existing debt, employment history) and other factors like government policies, current interest rates and the lender you work with. Certain buyers, like\u202ffirst-time homebuyers\u202fand\u202fveterans, might be eligible for special financial assistance programs.

What types of loans are there?\u202f

Factors like where you are searching for a home and how long you plan to stay in your new home will help determine which loan type best suits you. Some options include:

- \u2022 Fixed-rate mortgage:\u202fSets an interest rate and monthly payment for the life of the loan, which is typically 15 or 30 years.
- \u2022 Adjustable-rate mortgage (ARM):\u202fARMs may offer interest rates that are lower than you could get with a fixed-rate mortgage for a chunk of the life of the loan, such as 5 or 10 years. However, after that point, your interest rates are subject to change approximately once per year based on market conditions.

What is a down payment, and how much will it cost?\u202f

Some lenders require buyers to pay a percentage of the home\u2019s purchase price up front, which is known as a \u201cdown payment.\u201d Your down payment can vary substantially depending on your mortgage agreement. Typically, if you pay more money up front, your monthly mortgage payment will be lower. Many local governments and non-profit organizations offer down payment assistance grants and loans if you meet certain requirements. Ask your agent or reach out to your local\u202fREALTOR\u00ae association\u202ffor recommendations and guidance on what\u2019s available.

What is the difference between conventional and federal home loans?\u202f

Conventional loans are financed by private lenders, such as banks, credit unions and mortgage companies. They require stronger credit and higher down payments, but may offer better rates. Federal loans are government-backed, meaning lenders carry less risk and can pass savings onto eligible borrowers who may not have pristine credit. Some federal loans include:

- \u2022 Federal Housing Administration (FHA) Loan: FHA loans\u202fcater to first-time buyers and have flexible requirements and down payment options as low as 3.5%, depending on your credit score or debt-to-income ratio.
- \u2022 Department of Veterans Affairs (VA) Loan:\u202fIf you served in the U.S. military, you are eligible for a\u202fVA loan\u202fwith no down payment and no mortgage insurance requirements.
- \u2022 U.S. Department of Agriculture (USDA) Loan:\u202fThe\u202fUSDA Rural Development loan\u202fis designed for families purchasing a home in rural areas, requires zero down payment and offers discounted mortgage interest rates.

Are there other ways I can lower my out-of-pocket costs?\u202f

Some sellers may offer to pay certain costs associated with purchasing a home for you, which are called concessions. Certain limits apply to concessions\u2014please consult our\u202fguide to seller concessions\u202ffor more information. You can also ask the seller to\u202fpay for your agent\u2019s compensation, which does not count towards concession limits, as part of your purchase offer. Both are options that may reduce out-of-pocket and upfront expenses, helping you stretch your budget. However, keep in mind that the current banking system does not allow for agent compensation to be financed through a mortgage. Talk to your agent about building a home purchase plan that works with your budget.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

If you\u2019re ready to buy a home, you should feel empowered to find and work with a real estate agent who is the best fit for your needs. Here are ten questions you should consider when selecting an agent:

1. Are you a REALTOR\u00ae?

When you work with an agent who is a\u202fREALTOR\u00ae, you are working with a professional guided by\u202fethical duties\u202funder the REALTOR\u00ae\u202fCode of Ethics, including the pledge to protect and promote the interests of their clients.

2. What types of services can you provide me?

Agents may offer many types of services, including finding homes that meet your criteria, accompanying you to showings, sharing their analysis of the market and available properties, negotiating on your behalf and more.

3. How well do you know the markets where I am searching for a home?

Your agent must be licensed where you are buying a home. But they should also have the market knowledge to help you successfully find a home where you are searching.

4. Do you have experience working with buyers in my situation?

Many agents specialize in working with certain types of buyers, such as first-time buyers and\u202fveterans. Some also earn the\u202fAccredited Buyer\u2019s Representative\u202fdesignation to gain specialized skills in working with buyers. Ask your prospective agent about their experience and any designations or certifications they have earned related to working with buyers like you.

5. Can you tell me about your approach to scouting properties?

Agents and brokerages across the country have different business models and use and provide various technologies, tools and resources to inform their search process. Discuss with your prospective agent how their unique approach will help you find the right home.

6. What will be included in our written buyer agreement?

Before touring a home with your agent, they may need to enter into a\u202fwritten buyer agreement\u202fwith you that outlines the services the agent will provide, and what they will be paid for those services. These agreements are\u202ffully negotiable.

7. How long will we work together?

Talk with your prospective agent about how long you would like to work together and ensure you feel comfortable with that arrangement. This term could be set out in your written buyer agreement.

8. What are my options for paying you?

Agent compensation is fully negotiable and can take many forms, such as a flat fee, a percentage of the purchase price or an hourly fee. The written buyer agreement will contain the amount of compensation you agree to. You can also ask the seller to\u202fpay your broker\u2019s compensation\u202fas part of your purchase offer. Alternately, if a seller offers a\u202fconcession, you may be able to use the funds to pay your broker for the value and services they provided.

9. Can you recommend service providers who can help me obtain a mortgage, make home repairs or support other closing tasks?

Your prospective agent may have prior experience or trusted relationships with providers in the area where you are purchasing a home, and can be a great resource for facilitating these introductions.

10. Do you have references I can speak with?

Many agents will be happy to connect you with satisfied clients they have worked with in the past who can speak to their experience.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Buying a home is a major financial decision. Whether you're saving for a down payment, managing debt or dealing with other barriers to entry, there are many resources to help you overcome barriers to homeownership.

How can I tell if I\u2019m financially ready to buy a home?\u202f

When\u202fpreparing for homeownership, first get a realistic sense of your budget. Look at your income, expenses, debt, credit score and savings. You can improve your credit by making consistent, on-time payments, reducing your credit card balances, avoiding new debt and reviewing your credit report for errors. Consider programs designed for\u202ffirst-time homebuyers, as well as flexible\u202ffinancing\u202foptions. You may qualify for a government-backed mortgage, such as a\u202fFederal Housing Administration (FHA) Loan, which requires a down payment of only 3-5% instead of the typical 10-20%.\u202fState and local programs\u202fmay also help cover closing costs or provide forgivable loans.

Can I buy a home if I have student loans or other debt?\u202f

Yes. What matters most is how your monthly debt payments compare to your income, which helps lenders understand what you can afford to pay.

What laws protect my right to purchase a home?\u202f

The\u202fFair Housing Act\u202fprotects your right to access housing without being turned away because of personal characteristics, including race, color, sex (including sexual orientation and gender identity), national origin, religion, disability and familial status. You should expect to receive equitable treatment from participants at every stage of the process, including your agent, the seller, the seller\u2019s agent, appraisers, lenders and others involved in your home search and purchase. State and local laws also provide additional\u202ffair housing\u202fprotections.

What does housing discrimination under the Fair Housing Act look like, and how can I report it?

Discrimination in housing takes many forms, but the Fair Housing Act prohibits five types\u2014(i) being told a home \u201cisn\u2019t available\u201d when it is, (ii) being shown properties only in certain areas, (iii) hearing vague comments about who \u201ctypically lives\u201d in a neighborhood, (iv) use of advertising that favors certain people and (v) discrimination in the terms and conditions of a sale. Housing discrimination based on protected personal characteristics is illegal, and you have the right to equal treatment. If something feels off, report it to your local.

What is a housing counselor?\u202f

Housing counselors\u202fare trained professionals who offer free or low-cost advice on budgeting, credit and navigating the homebuying process. They don\u2019t work for a lender or real estate company, so their guidance is neutral and focused on your goals.

What resources are available for buyers with disabilities?\u202f

There are loan programs and grants that help with home modifications, accessibility features and financial assistance. Under the\u202fAmericans with Disabilities Act, you also have the legal right to request reasonable accommodation during the home-buying process. If you're unsure what support is available, a housing counselor or local advocacy group can help you identify the best resources for your needs.

How can I stay financially stable after buying a home?\u202f

Homeownership comes with ongoing responsibilities like property taxes, insurance and maintenance. Create a monthly budget, set aside emergency funds and stay on top of routine maintenance to protect your investment and reduce financial stress. Many communities also offer post-purchase counseling to support long-term success.

How are REALTORS\u00ae working to make housing more available and accessible?\u202f

There is a record housing shortage, affecting both buyers and renters. NAR is\u202fleading the national charge\u202fto update tax laws to promote homeownership, build stable communities and boost economic growth. REALTORS\u00ae also adhere to the highest ethical standards, such as providing equal treatment to all consumers.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

So, you\u2019re ready to find your first home. But where do you begin? And what resources are available to help you? Here\u2019s what you need to know as you embark on your homeownership journey:

Who is considered a first-time homebuyer?

The definition of \u201cfirst-time homebuyer\u201d might be broader than you think. For example, it can refer to a person who has never owned a home, a person who has not owned a home in the last three years or a single parent who has only previously owned a home with a spouse. The definition may vary by program, so check the Federal Housing Administration\u2019s definition of a first-time homebuyer.

How do I find an agent?

With the cost of housing at an all-time high, agents who are\u202fREALTORS\u00ae\u202fare here to help first-time homebuyers navigate challenges in the market and achieve the dream of homeownership. Agents may offer a wide range of services, such as finding available homes that meet your criteria, accompanying you to showings, negotiating on your behalf and\u202fmore. Consider asking prospective agents\u202fthese ten questions\u202fto determine if they are the best fit for your needs.

What is a written buyer agreement?

In many cases, the agent you\u2019ve selected will be required to enter into a\u202fwritten buyer agreement\u202fwith you before you tour a home together. This agreement outlines the services the agent will provide and what they will be paid for those services. These agreements are\u202ffully negotiable, and you should feel empowered to advocate for an agreement that meets your needs.

What are my options for securing financing assistance?

First-time homebuyers have multiple options for financing the purchase of their first home. Discuss with your agent the programs that might be available to you, including:

Conventional mortgage loans\u202fare financed by private lenders, such as banks, credit unions and mortgage companies. Mortgages typically require a down payment. You can use this\u202ftool\u202fto find down payment and closing cost assistance programs that you may be eligible for.

Federal loan programs are available for eligible buyers through the Federal Housing Administration, the Department of Veterans Affairs and the U.S. Department of Agriculture.

State-funded grants\u202ffor first-time homebuyers may be an option, depending on your location. Contact your state\u2019s housing financing agency for more information.

Local governments or non-profit organizations\u202fin your area may have programs available to borrowers that meet specific requirements.

Are there other ways I can lessen my cost burden?

Some sellers may offer to pay certain costs associated with purchasing a home for you, which are called\u202fconcessions. You can also ask the seller to\u202fpay for your agent\u2019s compensation\u202fas part of your purchase offer. Both are options that may reduce out-of-pocket and upfront expenses, helping you stretch your budget further. Your agent can advocate for you during purchase negotiations on these and other terms.

What other resources are available?

Agents who are REALTORS\u00ae and your state and local\u202fREALTOR\u00ae Associations\u202fcan direct you to many other resources. For example, first-time homebuyers should consider\u202fhomeownership education and counseling services, which provide tools and information to help resolve financial roadblocks, develop a budget and work on a plan to meet the financial requirements of homeownership. Your agent can refer you to a\u202fHUD-certified housing counselor.

How do I know what option is best for me?

When you work with an agent who is a REALTOR\u00ae, you are working with a professional guided by ethical duties under the REALTOR\u00ae Code of Ethics, including the pledge to protect and promote the interests of their clients. Your agent will work with you to weigh your options, answer questions and develop a strategy you are confident in.

Practices may vary based on state and local laws. Consult your real estate professional and/or consult an attorney for details about the state laws where you are purchasing a home.

Welcome to Property Action

Whether you\u2019re a current homeowner or taking your first steps toward owning your first home, we are a resource and advocate who will support you through each phase of the homeownership journey.

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It is where you put down roots, grow your family and become part of the fabric of a community. Homeownership is also the cornerstone for building and transferring wealth across generations, providing both financial returns and social benefits that contribute to long-term family stability and prosperity.

Your story matters. Owning a home is more than just a milestone\u2014it\u2019s a dream that reflects determination, perseverance, and hope. By sharing your journey, you can inspire others and show policymakers why access to homeownership is vital for individuals and families across the nation.

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Weaver (1907\u20131997) ", "description": "HOLD", "cardLinkType": 1}, "1": {"title": " Barbara Jordan (1936\u20131996)", "description": "HOLD", "cardLinkType": 1}, "2": {"title": "Thurgood Marshall (1908\u20131993)", "description": "HOLD", "cardLinkType": 1}, "3": {"title": "Marcia Fudge (1952\u2013Present)", "description": "HOLD", "cardLinkType": 1}}, "title": "Black Champions of Real Estate and Housing", "layout": 4, "useCardColor": false, "sameCardSizeWidth": false, "useBackgroundColor": false}, "widgetType": 21}, {"props": {"title": "Generational Wealth Video", "content": "UPLOAD to YOUTUBE"}, "widgetType": 11}], "requires_login": false, "widget_layout_type": 15, "custom_javascript": "", "custom_css": "", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 9267, "archived": false, "name": "TAKE ACTION", "action_center": 4278, "path": "/takeaction/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"text": "Make Your Voice Heard on Important Housing Legislation and Policy Issues", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-18/aaaa92d13444e62ec4e8b71bb1a8fa1b/nBMTrHyNEFmunTj5gp4s_TakeAction_Image2.0_FINAL.jpg", "includeText": true, "imageContain": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "", "content": " Thank you for wanting to be an advocate for homeownership!

There are no active campaigns right now, so please REGISTER on the site so that we can alert you when it's time to make your voice heard."}, "widgetType": 101}], "requires_login": false, "widget_layout_type": 5, "custom_javascript": " const elements = document.querySelectorAll('[class*=\"inline-cta\"]');\n\n for (var i = 0; i < elements.length; i++) {\n if (elements[i].innerHTML == \"Submit\") {\n elements[i].innerHTML = \"Take Action\";\n } \n }", "custom_css": ".call-to-action-background, .full-bleed-image {\nborder-top: 10px solid #004282;\nborder-bottom: 10px solid #004282;\nborder-radius: 0px;\n}\n\n#main-content > div > div {\nmargin: 0;\n}\n\n.btn-primary {\nborder: none !important;\n}\n\n@media (max-width: 768px) {\n /* --- HERO IMAGE ELEMENTS - SMALL SCREEN --- */\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image > img {\nobject-fit: cover;\nobject-position: 35%;\nheight: 100%;\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image {\nheight: 200px;\noverflow: hidden;\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image > div {\nposition: absolute;\ndisplay: flex;\nflex-direction: column;\nalign-items: center;\njustify-content: center;\nwidth: 100%;\nheight: 100%;\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image > div > div {\nmargin-left: 45% !important;\nfont-size: 22px !important;\n}\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image > div > div {\n margin-left: 45%;\n color: #004282;\n font-size: 45px;\n line-height: 50px;\n font-weight: 900;\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image > div {background-color: transparent;}", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 9415, "archived": false, "name": "FTHB Guide in Spanish", "action_center": 4278, "path": "/FTHBGuideSPN/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"text": "Herramientas y recursos esenciales para quienes compran una vivienda por primera vez", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-26/47e78823e6d4f2e9c720a72a7a372762/iWzG5Z7QOebTLSa0av1L_chUyctCueOBITLKX5hrO_WhoWeAre_FTHB_Resources_FINAL.jpg", "includeText": true, "imageContain": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "Gu\u00eda Para Compradores De Vivienda Por Primera Vez", "content": "Con nuestra gu\u00eda informativa y f\u00e1cil de usar para compradores de vivienda por primera vez, encontrar\u00e1 recursos, consejos y respuestas a preguntas comunes para ayudarle a tomar las decisiones correctas al comenzar el viaje hacia la propiedad de vivienda.\n\n

EN INGL\u00c9S

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\n \n\n

PRIMERO

Comprar su primera casa puede ser una propuesta aterradora, especialmente en el mercado inmobiliario actual, donde el inventario es bajo, la inflaci\u00f3n es alta y los precios de las viviendas parecen estar creciendo d\u00eda a d\u00eda.

No entre en p\u00e1nico.

Hay cosas que puede hacer que lo preparar\u00e1n para comprar una casa y tambi\u00e9n le dar\u00e1n una ventaja sobre la competencia cuando llegue el momento de hacer el pago inicial.

Compruebe su puntaje de cr\u00e9dito. Es bueno saber d\u00f3nde est\u00e1 desde el principio. De esa manera, a medida que completa los siguientes pasos, los expertos pueden decirle d\u00f3nde debe llegar para calificar para los pr\u00e9stamos y la hipoteca que necesita para comprar esa primera casa.

Hable con un br\u00f3ker de hipotecas o un banquero, incluso si ha sido rechazado en el pasado. Ellos pueden decirle para qu\u00e9 calificar\u00e1 ahora y qu\u00e9 deber\u00e1 hacer para completar el resto del camino.

Averig\u00fce para cu\u00e1les programas califica en su estado para obtener ayuda con las tasas hipotecarias, asistencia con el pago inicial y beneficios fiscales. Todos los estados cuentan con programas, y algunos tienden a permitirle ahorrar dinero, libre de impuestos, en una cuenta de ahorro para compradores de vivienda por primera vez, con el objetivo de reunir el dinero para el pago inicial m\u00e1s r\u00e1pido que nunca.

\n\n\n

Teniendo en cuenta todas sus finanzas, determine lo que realmente puede permitirse gastar. Los propietarios potenciales deben considerar el pago inicial, todos sus pagos mensuales en un a\u00f1o determinado, los impuestos sobre la propiedad y los costos generales de mantenimiento al decidir lo que pueden pagar.

Consulte a un REALTOR\u00ae local y trabaje con ellos para encontrar la vivienda adecuada para usted. Un REALTOR\u00ae no solo puede ayudarlo a encontrar su hogar, sino que tambi\u00e9n puede ayudarlo a negociar el mejor trato posible en un mercado inmobiliario competitivo.

\u00bfBusc\u00f3 una casa hace unos meses y se dio por vencido(a) porque constantemente le superaban la oferta, o nunca tuvo la oportunidad de presentar una oferta porque la casa se vendi\u00f3 muy r\u00e1pido? Ahora es el momento de volver a intentarlo. Muchos compradores potenciales de vivienda han dejado de buscar debido a una frustraci\u00f3n similar. Aproveche esto y acelere su b\u00fasqueda porque puede que ahora haya menos competencia en su mercado inmobiliario.

Determine su mejor opci\u00f3n de financiamiento: \u00bfquiere una hipoteca est\u00e1ndar o es mejor tener pr\u00e9stamos hipotecarios respaldados por el gobierno federal? Combine eso con los programas de incentivos para compradores de vivienda por primera vez de su estado y est\u00e9 siempre atento a las tasas de inter\u00e9s hipotecarias comparativas.

\n\t\n\n

ENTONCES

Considere mudarse a una parte diferente de la ciudad o a una ciudad completamente diferente. Si esto es posible para usted, podr\u00eda ser ben\u00e9fico porque a pesar de que los precios de las viviendas est\u00e1n altos, no lo est\u00e1n en todas partes, y podr\u00eda encontrar una ganga esper\u00e1ndolo en un lugar en el que quiz\u00e1s nunca pens\u00f3 buscar originalmente.

Adem\u00e1s, considere una casa que necesita trabajo. Las hipotecas pueden incluir pr\u00e9stamos para remodelaci\u00f3n que convierten una casa que necesita reparaciones en la casa de sus sue\u00f1os en muy poco tiempo.

Est\u00e9 dispuesto a ceder. Sea claro con anticipaci\u00f3n sobre lo que est\u00e1 en su lista de deseos, pero divida la lista de deseos en elementos imprescindibles, los que le gustar\u00eda tener y los no necesarios. Esto le ayudar\u00e1 a poner su pie en la puerta m\u00e1s r\u00e1pido.

\n\t\n

FINALMENTE

Haga una oferta: una vez que haya encontrado la casa adecuada, si sigui\u00f3 los pasos anteriores, debe estar preparado para dar el paso.

Mande a hacer una inspecci\u00f3n de la casa: es un costo, pero vale la pena. Esto asegurar\u00e1 que la casa que est\u00e1 comprando sea segura y que no incurrir\u00e1 en gastos inesperados en el futuro.

Una vez que se complete la inspecci\u00f3n y haya llegado a un acuerdo con el vendedor, cerrar\u00e1 el trato y firmar\u00e1 toda la documentaci\u00f3n necesaria. Por lo general, toma un par de d\u00edas para que se financie su pr\u00e9stamo, pero una vez que se entrega el cheque al vendedor, solo hay un paso m\u00e1s\u2026

M\u00fadese y enam\u00f3rese de su nuevo hogar.

\n\n\n

\n \n \n

\u00bfQu\u00e9 tipo de vivienda es mejor para usted? Decida si est\u00e1 buscando una casa, un condominio o una casa no tradicional.

\n\n

\u00bfQu\u00e9 caracter\u00edsticas busca en su hogar? Aseg\u00farese de tener en cuenta todo lo que busca en una casa, como el tama\u00f1o, la cantidad de ba\u00f1os, el espacio al aire libre, los electrodom\u00e9sticos y el distrito escolar y el vecindario.

\n\n

\u00bfC\u00f3mo se puede financiar una vivienda? Por lo general, las casas se compran directamente o se financian a lo largo del tiempo con una hipoteca.

\n\n

\u00bfCu\u00e1nto puede permitirse gastar realmente? Los propietarios potenciales deben considerar su pago inicial, todos sus pagos mensuales, los impuestos sobre la propiedad y los costos generales de mantenimiento al decidir lo que pueden pagar.

\n\n

\u00bfQui\u00e9n puede ayudarle con el proceso de compra de una vivienda? Consulte a su REALTOR\u00ae local y trabaje con ellos para encontrar la casa adecuada para usted.

\n\n

\n \n \n

Verifique su cr\u00e9dito

Su puntaje de cr\u00e9dito juega un papel muy importante en su capacidad para obtener una hipoteca. Verifique su cr\u00e9dito con la compa\u00f1\u00eda de su tarjeta de cr\u00e9dito, en l\u00ednea o con una agencia de cr\u00e9dito importante como Equifax o Experian.

\n\n

Averig\u00fce lo que puede pagar

Analice algunos n\u00fameros para decidir cu\u00e1nto puede gastar en el pago inicial, los pagos mensuales y los gastos.

\n\n

Elija a un prestamista

Encuentre al prestamista adecuado para usted y obtenga una aprobaci\u00f3n previa para un pr\u00e9stamo hipotecario.

\n\n

Encuentre a un REALTOR\u00ae

Encuentre a un REALTOR\u00ae con experiencia para que le ayude en este proceso. No solo pueden ayudarle a encontrar docenas de viviendas dentro de su presupuesto que cumplan con sus requisitos, sino que tambi\u00e9n pueden ayudarle a negociar la mejor oferta posible en un mercado inmobiliario competitivo.

\n\n

Encuentre la casa de sus sue\u00f1os

Trabaje con su REALTOR\u00ae para encontrar la casa perfecta que se ajuste a su presupuesto.

\n\n

Determine su mejor opci\u00f3n de financiamiento

T\u00f3mese su tiempo para investigar todas sus opciones de financiamiento, como hipotecas est\u00e1ndar, pr\u00e9stamos hipotecarios respaldados por el gobierno federal, los incentivos financieros de su estado y los programas para compradores de vivienda por primera vez. Tambi\u00e9n aseg\u00farese de estar atento a las tasas de inter\u00e9s hipotecarias comparativas.

\n\n

Haga una oferta

Una vez que haya encontrado la casa y la opci\u00f3n de financiamiento adecuadas, es hora de dar el paso y hacer una oferta para comprar su nueva casa.

\n\n

Mande a hacer una inspecci\u00f3n de la casa

Para asegurarse de que la casa sea segura y no incurra en grandes gastos inesperados en el futuro, aseg\u00farese de mandar a hacer una inspecci\u00f3n de la casa antes de cerrar el trato de su nueva casa.

\n\n

Coordine el papeleo y cierre la venta

\n\n

\u00a1V\u00e1yase a vivir a su nueva casa!

\n\n

Lo hizo! Ahora levante los pies y disfrute de su nuevo hogar.

\n\n

\n\n \n

Por supuesto, existen obst\u00e1culos que pueden surgir a la hora de comprar una vivienda, pero ning\u00fan problema es insalvable cuando se le da el enfoque adecuado. Aseg\u00farese de discutir estos temas con su REALTOR\u00ae y/u oficial de pr\u00e9stamos si se aplican a usted. Es probable que tengan una idea de c\u00f3mo otros han abordado estos obst\u00e1culos.

\n\n

Carga de la deuda estudiantil

Muchos estadounidenses est\u00e1n pagando una gran deuda de pr\u00e9stamos estudiantiles, lo que hace que sea mucho m\u00e1s dif\u00edcil pagar una casa.

\n\n

Disminuci\u00f3n de la asequibilidad de viviendas unifamiliares

Single-family homes are rising in price, making them more difficult to afford for many families.

\n\n

Insuficiente oferta de viviendas unifamiliares

Si bien las viviendas unifamiliares se est\u00e1n volviendo m\u00e1s caras, tambi\u00e9n se est\u00e1n volviendo m\u00e1s dif\u00edciles de encontrar en el mercado en la mayor\u00eda de los estados.

\n\n

\n\n \n

La Ley de Vivienda Justa (FHA, por sus siglas en ingl\u00e9s) proh\u00edbe la discriminaci\u00f3n contra cualquiera que est\u00e9 comprando o alquilando una casa o asegurando financiamiento para cualquier vivienda. La ley proh\u00edbe la discriminaci\u00f3n basada en:

Raza
Color
Discapacidad
Estado familiar
Origen nacional
Religi\u00f3n
G\u00e9nero

Conozca sus derechos. Puede obtener m\u00e1s informaci\u00f3n visitando nuestra p\u00e1gina de Vivienda Justa (en ingl\u00e9s).

\n\n\n

\n\n \n

Hay docenas de incentivos cuando se trata de ser propietario de una vivienda, como deducciones de impuestos y cuentas de ahorro para compradores de vivienda por primera vez. Algunos estados ofrecen cuentas de ahorro con preferencia fiscal para que sea m\u00e1s asequible para los compradores de vivienda primerizos comprar su primera vivienda. Aseg\u00farese de consultar el Departamento de Vivienda y Desarrollo Urbano de su estado para programas e incentivos para compradores de vivienda por primera vez para obtener informaci\u00f3n espec\u00edfica y pol\u00edticas locales.

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Preparing for the Journey Ahead

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Saving for a down payment and improving your credit score will put you in a stronger position to navigate the market in 2025. Take a look at our our First-Time Homebuyer Guide to learn more.

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Staying Ahead of the Trends

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\ufeff1. Tax Policy Changes

\tAny changes to mortgage interest deductions or property tax caps could impact affordability. For homeowners, these \t\t\tpolicy shifts could affect your tax returns, while buyers might need to adjust their financial planning.

2.\tInterest Rate Policy

\tThe Federal Reserve\u2019s approach to managing inflation will play a key role in determining mortgage rates. Buyers and \t\t\thomeowners should monitor economic policy announcements that could shift borrowing costs.

3.\tAffordable Housing and Inventory Growth

\tEfforts to expand affordable housing stock may gain momentum in 2025. Federal and state programs could provide \t\t\tmore opportunities for first-time buyers through down payment assistance, tax credits or subsidized loans. Policymakers \t\tare considering initiatives to incentivize new construction, including tax incentives for builders and grants for affordable housing projects. Property Action will update you on legislation that could help make homeownership more accessible.

4.\tZoning Reform

\tStates and municipalities are increasingly revisiting zoning laws to encourage denser housing and mixed-use \t\t\t\tdevelopments. If successful, these changes could lead to an increase in affordable housing options, especially in urban \t\tareas.

5.\tClimate Legislation

\tIncreasing focus on energy efficiency and climate resilience could impact building codes and renovation costs. Tax \t\t\tcredits for sustainable upgrades might offset some of these expenses for both buyers and current homeowners.

6.\tRent Control and Tenant Protections

\tFor those considering investment properties, new rent control measures and tenant-friendly legislation in various cities \t\t\tmay influence where and how you invest.

"}, "widgetType": 4}, {"props": {"title": "Final Thoughts: Plan, Don\u2019t Despair", "content": "

By staying informed on market trends, financial shifts, and legislative changes, you\u2019ll be well-positioned to navigate the market confidently \u2014 no matter where you are in your homeownership journey.\ufeff

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Home\n Prices: A Moderate Increase
\n After a few years of soaring prices, 2025 should bring more stability.\n However, prices will likely still climb modestly in most regions. Future\n buyers should plan for increased costs but may also find less competition\n than in the frenzied markets of recent years.
Mortgage\n Rates: A Wild Card
\n Mortgage rates are predicted to hover around 6-7%. While not as low as the\n record-breaking rates of the early 2020s, these are still historically\n reasonable. NAR predicts a gradual decline in mortgage rates in 2025.\n Rates may stabilize or drop from the high levels seen in 2024, which is\n good news for buyers. Lower rates may improve affordability slightly, but\n tight inventory could maintain competition. Buyers should focus on\n securing pre-approval and locking in rates as soon as possible whenever\n favorable terms are available.
Inventory:\n Slowly Improving
\n One bright spot for buyers is that housing inventory is expected as new\n construction ramps up in the spring and current homeowners consider\n selling. The current inventory shortage, exacerbated by homeowners locked\n into low mortgage rates and hesitant to sell, has contributed to rising\n prices and fewer options. While finding the perfect home will still take\n time, there should be more options than in recent years.
Affordability\n Challenges
\n Affordability remains a big hurdle, especially in high-demand urban and\n suburban areas. To combat rising costs future buyers should consider\n expanding their search radius or exploring government programs designed to\n assist first-time buyers.
Tip:\n Get Financially Fit Now
\n Saving for a down payment and improving your credit score in 2024 will put\n you in a stronger position to navigate the market in 2025. See our First-Time Homebuyer Guide to learn more.

"}, "widgetType": 4}, {"props": {"title": "For Current Homeowners: Staying Ahead of the Trends", "content": "

Home Values: Growth but Slower
If you own a home, its value will likely continue to appreciate, but at a slower pace than in recent years. This gradual growth provides stability for those considering selling or leveraging their equity.
Refinancing: A Limited Window
If you haven\u2019t refinanced yet, opportunities may be scarce. Homeowners with rates below the current market average are less likely to refinance unless rates drop unexpectedly. While NAR anticipates mortgage rates easing, current homeowners with rates locked in below 5% may still find refinancing unattractive. Monitor rate trends for opportunities to refinance if your current rate exceeds market averages\u200b.
Property Taxes and Insurance
As home values rise, property taxes and insurance premiums may follow suit. Be proactive by checking for homestead exemptions or shopping around for competitive insurance rates to manage costs.
Monitor Your Equity
With home values steadying, now is a good time to assess your equity. It could be a helpful tool for future investments, paying off debts or funding a big purchase like a child\u2019s college education.

"}, "widgetType": 4}, {"props": {"title": "Political and Legislative Impacts to Watch", "content": "

Tax Policy Changes
Any changes to mortgage interest deductions or property tax caps could impact affordability. For homeowners, these policy shifts could affect your tax returns, while buyers might need to adjust their financial planning.
Interest Rate Policy
The Federal Reserve\u2019s approach to managing inflation will play a key role in determining mortgage rates. Buyers and homeowners should monitor economic policy announcements that could shift borrowing costs.
Affordable Housing and Inventory Growth
Efforts to expand affordable housing stock may gain momentum in 2025. Federal and state programs could provide more opportunities for first-time buyers through down payment assistance, tax credits or subsidized loans. Policymakers are considering initiatives to incentivize new construction, including tax incentives for builders and grants for affordable housing projects. Property Action will update you on legislation that could help make homeownership more accessible.
Zoning Reform
States and municipalities are increasingly revisiting zoning laws to encourage denser housing and mixed-use developments. If successful, these changes could lead to an increase in affordable housing options, especially in urban areas.
Climate Legislation
Increasing focus on energy efficiency and climate resilience could impact building codes and renovation costs. Tax credits for sustainable upgrades might offset some of these expenses for both buyers and current homeowners.
Rent Control and Tenant Protections
For those considering investment properties, new rent control measures and tenant-friendly legislation in various cities may influence where and how you invest.

Final Thoughts: Plan, Don\u2019t Despair

"}, "widgetType": 4}], "requires_login": false, "widget_layout_type": 9, "custom_javascript": "", "custom_css": "#main-content > div > div > div > div.widget-wrapper.widget-wrapper-3 > div > div.cards-section-background > div > div:nth-child(1) > div > div > button > a {display: none;}\n \n.full-bleed-image {\nborder-top: 10px solid #004282;\nborder-bottom: 10px solid #004282;\n", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 9473, "archived": false, "name": "Current Homeowner Resources", "action_center": 4278, "path": "/OwnerResources/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"text": "Current Homeowner Resources", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-30/6b1917fee649601893d7c75b68017181/YWA7vlo6a7I4oTYtOar8_CurrentOwners_HeaderImage.jpg", "includeText": true, "imageContain": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"content": "

As a homeowner, staying informed about available resources can help you maintain your property, navigate financial challenges, and maximize your investment.

Below are some key areas where you can find support and guidance:

1. Home Maintenance and Improvement

Energy Efficiency Programs: Many organizations offer tips and financial incentives to help you improve your home\u2019s energy efficiency. These may include rebates for energy-efficient appliances, tax credits, or access to home energy audits. Get more info from the Department of Energy.
Resilience and Weatherproofing: Strengthening your home to withstand severe weather can increase its safety and value. Look into resources for weatherproofing, including grants or low-interest loans for upgrades like storm windows or reinforced roofing.

2. Financial Management and Assistance

Mortgage Tools and Resources: Most mortgage lenders provide tools to help you manage your payments effectively, such as online portals, budgeting guides, and educational materials.
Assistance Programs: If you experience financial hardship, programs are available to support mortgage payments, utility bills, or other housing-related expenses. Research national or local organizations that specialize in homeowner assistance. Freddie MAC is one example of a great resource to use.

3. Foreclosure Prevention and Housing Counseling

Housing Counselors: HUD-approved housing counseling agencies offer expert advice for homeowners facing financial challenges. These counselors can guide you through avoiding foreclosure, understanding refinancing options, or managing debt.
Foreclosure Prevention Resources: Many non-profits and government organizations provide tools and services designed to help homeowners stay in their homes during difficult times.

4. Homeowners Association (HOA) Guidance

Understanding your rights and responsibilities is crucial if your property is part of an HOA. Explore general resources about HOA rules, conflict resolution, and financial obligations to make informed decisions about your community involvement.

5. Education and Planning

Online Homeownership Guides: Many organizations offer free online resources, webinars, and workshops for homeowners. Topics often include budgeting, home maintenance, and understanding your property\u2019s market value.
DIY Home Improvement Tips: Stay up to date on simple, cost-effective ways to maintain or enhance your home. From seasonal checklists to home upgrade tutorials, there are countless resources to help you improve your property. Both Lowes and Home Depot offer online DIY guides.

6. Long-Term Planning

Equity and Refinancing: Learn how to make the most of your home\u2019s equity, whether through refinancing, home improvement loans, or other financial strategies. Look at these resources on REALTOR.COM.
Selling and Moving: When it\u2019s time to move, access resources that guide you through preparing your home for sale, pricing it effectively, and understanding market trends. Look at these excellent guides on REALTOR.COM.

By staying proactive and utilizing these resources, you can confidently navigate homeownership challenges and maximize your investment's benefits.

"}, "widgetType": 4}], "requires_login": false, "widget_layout_type": 5, "custom_javascript": "", "custom_css": ".full-bleed-image {\nborder-bottom: 10px solid #004282;\nborder-top: 10px solid #004282;", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 9445, "archived": false, "name": "Frank's Story", "action_center": 4278, "path": "/Frank/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"text": "With over 50 years in the industry, Frank Williams has played an integral part in fighting racism and championing the fair housing movement.", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-20/3674d19febadbb93981efbaeddf9ed10/kNA8m1HM3gk9xBvKRwOW_TellYourStory_FrankWilliamscopy.jpg", "includeText": true, "imageContain": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "I Wanted to Make a Statement", "content": "

Frank recalled his childhood in Flint, Michigan, stating, \u201cI was taught, right along with all the white kids, that all people are created equal\u2026and I believed that.\u201d Racist sentiments still ran high in the slowly integrating community, and Frank was expelled from school for dating a white woman, who he later married.

\u201cWe talk about Chicago as the center, but I grew up in Flint, Michigan, and it [housing discrimination] was happening there. It was happening in Chicago. It was happening in Mississippi. It was happening everywhere.\u201d

Although based in Chicago and Beverly, Frank has had a long view of the problem. There are historical inequities that have left minority populations at a disadvantage from the consequences of centuries of slavery to anti-immigrant movements. \u201cWe talk about Chicago as the center, but I grew up in Flint, Michigan, and it [housing discrimination] was happening there. It was happening in Chicago. It was happening in Mississippi. It was happening everywhere.\u201d

The prevalence of housing discrimination motivated many to become involved in finding solutions. The National Association of Real Estate Brokers (NAREB) was founded in 1947, making it the oldest minority trade association in America, and was formed out of a need to promote fair housing and equal opportunities for African-American real estate professionals, consumers and communities. Frank Later became the President of the Chicago Chapter of NAREB (Dearborn REB) in 1974.

In 1968, the Fair Housing Act was passed, and by 1971, Frank had opened his own firm. However, the Fair Housing Act was not an immediate solution to housing discrimination. Frank explained how some areas would perform a \u201cbait-and-switch\u201d version of fair housing by creating quotas for loan applications and engaging in steering or faulty versions of integration management plans.

Frank also faced protests throughout the 1960s and 1970s from within his community. Demonstrators vandalized his business, angry at his efforts to combat housing discrimination. \u201cI remember how angry I was looking around my office.\u201d In 1975, his home was firebombed.

Frank, however, did not stop his efforts in his community or in changing professional associations like NAR, where he stated in some meetings, \u201cthere wasn\u2019t anyone that looked like me.\u201d He believed that not only did NAR need to stand behind the Fair Housing Act, but the real estate industry needed to create opportunity and space for minorities to enter the business, to succeed, and to become leaders.

Frank eventually became president of the Chicago Association of REALTORS\u00ae, and was voted REALTOR\u00ae of the Year in 1992. His record in advocacy also includes being the president of the South Side NAACP chapter from 1979 through 1985.

In the fifty years since the Fair Housing Act first passed, Frank acknowledges that the country has made progress. But, there is still work to be done. He states, \u201cAs a Black American, a REALTOR\u00ae, and a parent, I am determined to help erase discrimination from our housing landscape.\u201d

To learn more, visit our Fair Housing page.

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box-shadow: none;}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-5 > div > div.cards-section-background > div > div > div > div > div:nth-child(1) {\nfont-weight: 900;\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-6 > div > div.cards-section-background > div > div {border: 0; box-shadow: none;}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-6 > div > div.cards-section-background > div > div > div > div > div:nth-child(1) {\nfont-weight: 900;\n}\n\n.sign-up-widget {\nbackground: #006BB7;\ncolor: white;\nborder-radius: 10px;\n}\n\n.form-label {\ncolor: white !important;\n}\n\n\n", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 9462, "archived": false, "name": "Generational Wealth", "action_center": 4278, "path": "/GenWealth/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"title": "How Does Homeownership Drive Generational Wealth?", "content": "

Homeownership is a cornerstone for building generational wealth through:

Appreciation of Property Value.

Real estate tends to appreciate over time. As a home increases in value, the homeowner\u2019s equity grows, creating wealth that can be passed down to future generations. This appreciation often outpaces inflation, allowing homeowners to build significant equity.

Forced Savings.

Paying down a mortgage is a form of forced savings. Each mortgage payment reduces the principal balance, increasing the owner\u2019s equity in the home. Over time, this equity can become a substantial financial asset.

Equity Loans and Lines of Credit.
Homeowners can borrow against their home equity through home equity loans or lines of credit. This access to capital can be used to finance education, start a business, pay for a wedding or cover emergency expenses, further enhancing the family\u2019s financial stability and opportunities.

Tax Benefits.

Homeownership comes with various tax benefits, such as mortgage interest deduction and state property tax deductions (varies by state). These benefits can reduce a homeowner\u2019s taxable income, allowing more money to be saved and invested elsewhere.

Homeownership often leads to greater community involvement and social stability. Homeowners are more likely to invest in their neighborhoods, contributing to safer, more desirable living conditions. These factors can indirectly support property value appreciation and personal well-being.

Stability and Predictability.
Owning a home provides long-term housing stability and predictability in living costs, especially if the mortgage is on a fixed-rate plan. This stability enables homeowners to plan their finances and invest in other wealth-building opportunities.

Passing Down Assets.

Homes are tangible assets that can be bequeathed to heirs. This transfer can provide a financial head start to future generations, either through the direct use of the property as a residence or its sale, which can provide capital for education, investment or other needs.

Through these many avenues, homeownership offers a multifaceted approach to building and transferring wealth across generations, while providing financial returns and social benefits that contribute to long-term family stability and prosperity.

To learn how to get started on your homeownership journey, take our Financial Literacy Quiz and Download our First-Time Home Buyer Guide.

The assistance may take the form of downpayment assistance or loan programs.

Alaska
AK First-Time Homebuyer Loans

Alabama
AL AHFA Makes Homeownership Possible

Arkansas
AR ADFA HOMEOWNERSHIP PROGRAMS

Arizona
AZ HomeBuyer Down Payment Assistance

California
CA MyHome Assistance Program

Colorado
CO Down Payment and/or Closing Cost Assistance

Delaware
Kiss Your Landlord Goodbye

DC
DC Home Purchase Assistance Program

Connecticut
Down Payment Assistance Program (DAP) Loan

Georgia
GA Georgia Dream Homeownership Program

Hawaii
HI Affordable Resale Program

Florida
Homebuyer Program

Iowa
IA FirstHome Program

Idaho
ID Homebuyer Tax Credit

Illinois
IL Homebuyer Program

Indiana
IN First Place Program

Kansas

KS First-Time Homebuyer Programs

Kentucky

KY Downpayment Assistance Program

Massachusetts
MA First-Time Homebuyer Programs

Maryland
MD Home Loan Programs

Maine
ME First Loan Program

Michigan
MI Home Loan Program

Minnesota
MN Homeownership Programs

Missouri

MO Homebuyer Programs

Montana
MT Downpayment Assistance Programs

North Carolina
NC Home Advantage Mortgage

North Dakota
ND Homeownership Programs

Nebraska
NE Homebuyer Programs

New Hampshire
NH Homeownership Programs

New Jersey
NJ Homebuyer Programs

New Mexico
NM Homebuyer Programs

Nevada
NV Home is Possible

New York

NY Down Payment Assistance Loan

Ohio

OH My Ohio Home

Oklahoma
OK Homebuyer Programs

Oregon
OR Residential Loan Program

Pennsylvania
PA Assistance Loans

Rhode Island
RI The Down Payment Extra Assistance Program

South Carolina
SC Palmetto Home Advantage

South Dakota
SD First-Time Homebuyer Program

Tennessee
TN Great Choice Home Loan

Texas
TX First Time Home Buyer Grants in Texas

Utah
UT Down Payment Assistance

Virginia
VA Down Payment Assistance Grant

Washington
WA Downpayment Assistance

Wisconsin
WI Mortgage and Downpayment Assistance

West Virginia
WV Movin? Up Loan Program

Wyoming
WY Homebuyer Programs

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Did you know that unmarried couples can get a larger deduction by filing federal taxes individually compared to married couples filing jointly?

While tax reforms passed by Congress in 2017 eliminated many instances of the \u201cMarriage Penalty,\u201d it still exists today when deducting state and local taxes from your federal return. Specifically, a married couple can only deduct $10,000 in State and Local Property Tax, while unmarried people who own a home together get $10,000 each. This is known as a \u201cMarriage Penalty,\u201d and it's time for our elected officials to address this inequity as part of their tax reform in 2025.

", "post_text": "Thank you for taking action to end the Marriage Penalty! "}, "widgetType": 9}], "requires_login": false, "widget_layout_type": 8, "custom_javascript": "", "custom_css": ".cards-section-background, .full-bleed-image {\nborder-bottom: 10px solid #004282;\nborder-top: 10px solid #004282;\n}\n.sign-up-widget {\nbackground: #006BB7;\ncolor: white;\nborder-radius: 10px;\n}\n\n.form-label {\ncolor: white !important;\n}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-2 > div > div:nth-child(1) {font-size: 32px; font-weight: 900;}\n\n#main-content > div > div > div > div.widget-wrapper.widget-wrapper-1 > div > div.full-bleed-image > div > div {\n margin-left: 45%;\n color: #004282;\n font-size: 45px;\n line-height: 50px;\n font-weight: 900;\n}", "disclaimer_text": "", "use_page_region": false, "can_access": true, "cannot_access_message": null}, {"id": 9447, "archived": false, "name": "Pedro's Story", "action_center": 4278, "path": "/Pedro/", "title": "", "page_restriction_type": 1, "widgets": [{"props": {"text": "Pedro Hernandez remembers a time before the passage of the Fair Housing Act when discrimination ran rampant in the neighborhoods of Miami, Florida.", "imageUrl": "https://quorum-media.s3.amazonaws.com/media/uploaded_files/2024-12-20/3674d19febadbb93981efbaeddf9ed10/1c7kmtAkEE2ygwkm1VPq_TellYourStory_PedroHernandezcopy.jpg", "includeText": true, "imageContain": true, "isLeftAligned": true}, "widgetType": 19}, {"props": {"title": "Fair Housing Made Us Free", "content": "

Pedro immigrated to the United States from Cuba in the late 1950s before the wave of refugees from the Fidel Castro regime. By 1966, he obtained his real estate license and began working in an environment where race, more often than not, determined sales.

\u201cWas I discriminated against? Yes. Because I was Cuban. Because of my accent. Because of not speaking English. I didn\u2019t care.\u201d

Pedro stated, \u201cWhen a person of color came to the neighborhood, [white] people began to panic,\u201d and property values would fall. In stores and businesses, he would often see signs stating, \u201cNo Blacks. No Cubans. No dogs.\u201d A move towards integration would face many obstacles in Miami, but Pedro persevered, \u201cWas I discriminated against? Yes. Because I was Cuban. Because of my accent. Because of not speaking English. I didn\u2019t care.\u201d

Pedro was more concerned with establishing his practice and making a name for himself as the go-to Cuban REALTOR\u00ae. His firm, where daughter Liza Mendez eventually joined him, was one of the first Hispanic-owned firms in Miami. Between the two family members, they have over eighty years of experience in real estate and have witnessed the impact of the Fair Housing Act.

Pedro explained that the transition after the act was difficult because the population needed to transition from discriminatory to fair practices \u2013 a process made more difficult by lack of understanding of the law. However, he cites the efforts of NAR, the local government, county officials and other REALTORS\u00ae as key to reducing housing discrimination in Miami.

Although she grew up with the Fair Housing Act in place, Liza \u201cnever takes it for granted.\u201d At the beginning of her career in the 1980s, Liza faced subtler versions of housing discrimination compared to the vitriol of her father\u2019s early years. The questions about neighborhood demographics were more coded. She soon learned to guide her clients away from those biases, encouraging them to focus on their housing goals and reminding them that Miami was a melting pot \u2013 its diverse neighborhoods an asset, rather than a cause for fear.

Both father and daughter would argue that racial discrimination in housing is no longer a problem in Miami, because of the Fair Housing Act. The commitment that they share with other REALTORS\u00ae to uphold the act ensures a \u201cmore level playing field for everyone.\u201d Liza acknowledged that there is still work to be done for other marginalized communities, such as the LGBTQ+ community, but believed that the Fair Housing Act has the structure to create balance.

With their influence on the Miami real estate industry, and Liza\u2019s leadership positions in local REALTOR\u00ae chapters and her certifications in ethics training, Pedro and Liza continue to work with their clients and community to ensure the enforcement of the Fair Housing Act. For them, this is not just a legal obligation. Fair housing is \u201cethical and right\u201d and opened the doors for anyone to be a homeowner or renter.

As Pedro stated, \u201cFair housing made us free.\u201d

To learn more, visit our Fair Housing page.

This story was originally posted in February 2018 during the 50th anniversary of the signing of the Fair Housing Act of 1968.

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The NATIONAL ASSOCIATION OF REALTORS (NAR)\nrecognizes the importance of protecting the personal information you provide to\nwebsites owned and/or controlled by NAR. This Privacy Policy explains the\ncollection and use of information, including Personally Identifiable\nInformation, entered on www.propertyaction.realtor (\u201cSite\u201d); what we do to\nsecure the information; and other important matters. By using our Site, you\nconsent to our processing your information as set forth in this Privacy Policy\nand any amendments hereto.

1. Information We Collect

Generally, two types\nof information are collected from Site visitors: Personally Identifiable\nInformation and Non-identifiable Information.

Personally\nIdentifiable Information is information provided by you, the user of or visitor\nto the Site, and may include your name and residential or business address,\nuser names and passwords assigned to you as a part of registering to use the\nsite, and other information that may be used to identify you personally.

Non-identifiable\nInformation is tracking or browser information that may be automatically\ngathered when you visit the Site or open an email from us, via cookies or\notherwise; for example, IP address, browser type and the pages you visit.

2. How We Collect\nInformation

A. Through the\nRegistration Process: When you become a registered user of the Site, we may gather the\ninformation you provided as part of the registration process, including but not\nlimited to: first name and your ZIP code.

B. Electronically\nThrough Cookies and Other Means: Cookies are small files that are sent and stored on your computer when\nyou visit our Site or when you open an email from the Site that enable us to\nrecognize your computer the next time you visit the Site. There are two types\nof cookies, Persistent Cookies and Session Cookies.

Persistent Cookie is\na cookie that remains on your computer after you exit your browser and can be\nused by your browser on future visits to the Site or by third party vendors\nwhen you visit certain other websites in order to allow advertisers and content\nowners to improve your web experience. These cookies may be used to tailor ad\ncontent of other sites that you may visit in the future. They may also collect\ndata such as your browser type, your operating system, web pages visited, time\nof visits, content viewed and other clickstream data, none of which will\ninclude personal information about you. Session Cookie is a cookie that is\ndeleted from your computer once you disconnect from, or leave, our Site.

The use of cookies\nis considered industry standard. However, if your browser permits, you may\nchoose to decline any cookies we use, but note this action may disable portions\nof our Site. If you want to opt-out of receiving some advertising cookies, you\nmay be able to do so by visiting\u202fhttps://optout.networkadvertising.org/?c=1.

Other Means to\ncollect information while you are connected to our Site include Web Beacons and\nEmbedded Scripts. Web Beacons are\nelectronic images or a web programming code included in our web page that is\nused for several purposes, including but not limited to: counting visitors to\nthe Site and counting particular articles viewed. Additionally, this code\nallows us to understand the time and date of when a user has opened an email\nand when he/she has utilized a link within the email to visit a website,\nallowing us to collect analytics about our traffic, customize our services and\nsend you ads about our services. You may also disable our web beacons in our\nemails by turning images \u201coff\u201d in your email client (e.g., Outlook, Outlook\nExpress). Please see your email client for more information.

Embedded Scripts are\nprogramming codes designed to collect information about your use of the Site,\nincluding links that you select. This code is only active while you are\nconnected to the site and is deactivated or deleted thereafter.

DO-NOT-TRACK\nDISCLOSURE: Some\nbrowsers have a \u201cDo Not Track\u201d feature that allows you to communicate to\nwebsites that you do not want to have your online activities tracked. Our\nsystem may not respond to Do Not Track requests or headers from some or all\nbrowsers.

C. Through Sales\nMade on the Site: If you purchase products or services from the Site, the information you\nprovide while completing your purchase is used to help us provide the product\nor service you purchased. When you purchase a product or service offered by a\nthird party, either via a page on the Site that has our name as well as the\nthird party name and/or logo or through a link to the third party site, your\nPersonal Information may be shared with or collected by a third party.\nInformation provided to the third-party site will be governed by that\nthird-party\u2019s privacy policy.

D. Contests and\nSweepstakes:\nParticipation in contests and sweepstakes is voluntary and may require\nregistration. Data you provide for promotions or contests on our Site, which\nmay be sponsored by third parties, may include information about you and how to\ncontact you and that information could be used by us or disclosed to third\nparties who have sponsored or otherwise contributed to the contest or\nsweepstakes.

E. Mobile Device\nIdentifiers: Certain\nmobile service providers identify mobile devices in a unique manner. If you\naccess the Site through a mobile device or a mobile phone number is required\nfor a feature on our Site, we may associate the mobile phone number to mobile\ndevice identification information.

3. How We Use the\nInformation Collected

We use the\ninformation we collect to better serve you and to improve your experience on\nthe Site and to improve the Site and to enable us to continue to deliver\ncustomized content on the Site. We may also use the information to bring to\nyour attention content we believe might be of interest to you and to contact\nyou for promotional or other purposes. In addition, we may also share your\ninformation with organizations affiliated with NAR or organizations that may\nnot be affiliated with NAR, but share NAR\u2019s support for property rights,\npro-REALTOR\u00ae issues and other policy initiatives so that they may also provide\nyou content that we believe might of interest to you.

NAR takes your\nprivacy and your communications preference very seriously. We will not share or\nsell your email address or other personal information you may provide us in the\ncourse of using the site with anyone without your explicit consent except as provided\nabove.

If necessary, we\nwill release Personal Information if it is appropriate to a) comply with the\nlegal process; b) identify, contact or bring legal action against a party(ies),\nwho cause (or we have a good-faith belief will cause) injury to NAR, its\nemployees, Site users or others; or c) otherwise protect the rights, property\nor personal safety of NAR, its employees, Site users or others.

4. How We Secure the\nInformation Collected

We are concerned\nabout the confidentiality of your Personal Identifiable information and\nmaintain security procedures and standards, which we believe are as safe as\ntoday\u2019s technology reasonably permits, including the storage of your\ninformation on a secured server behind a firewall. We test these procedures and\nmodify them as new technologies become feasible. Unfortunately, no data\ntransmission on the internet is 100% secure and we cannot warrant the security\nof information received from our Site or information you transmit to the Site.

5. Other Sites, Links and\nAdvertising Banners

Our Site may contain\nlinks to other sites and advertising banners, including advertiser sites, news\nsites or sites by other third parties. Note that a third party will likely have\nits own policies and rules governing its site that may be different than those\noutlined in this Privacy Policy for this Site. Please be aware that this\nPrivacy Policy only applies to this Site and we are not responsible for\npolicies and rules for any other sites.

6. To Edit Information\nAbout You

You may view, edit\nor delete information about you by emailing contact@propertyaction.realtor.

7. To Opt-In to Receive\nInformation from Us

We utilize a strict\nOpt-In policy for receipt of our newsletters or other online messages regarding\nproducts, services and programs. Please use the unsubscribe link at the bottom of any email.

8. Effective Date and\nUpdates

This Privacy Policy\nis effective as of February 23, 2025 and may be updated from time to time by us at\nour sole discretion. Accordingly, we encourage you to periodically review this\nPrivacy Policy.

9. Inquiries

If you have\nquestions regarding this Privacy Policy, contact us at: contact@propertyaction.realtor

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Footnotes

Tell your elected officials to support practical solutions that incentivize homeownership and make it more accessible.

Homeownership is a cornerstone for building generational wealth through:

Appreciation of Property Value.

Forced Savings.

Tax Benefits.

Community and Social Benefits.

Stability and Predictability.Owning a home provides long-term housing stability and predictability in living costs, especially if the mortgage is on a fixed-rate plan. This stability enables homeowners to plan their finances and invest in other wealth-building opportunities.

Passing Down Assets.

Stability and Predictability.
Owning a home provides long-term housing stability and predictability in living costs, especially if the mortgage is on a fixed-rate plan. This stability enables homeowners to plan their finances and invest in other wealth-building opportunities.