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Housing Market Update

Uses for a Tax Return

  • If your goal is to own a home, your tax return can help you, as you want to act fast due to historically low mortgage rates
  • Starting or increasing an emergency fund to keep an unforeseen emergency from crippling you financially
  • Pay high interest debts, as the more debt you pay off, the better your debt-to-income ratio will be
  • Pay toward your mortgage loan as additional payments to the principal balance of your loan will help pay it off faster
  • Consider a cash out refinance which could save you thousands of dollars per year, lower your monthly payments, or shorten the term of your loan
  • Make home renovations. Concentrate on the main systems to increase the value of your home

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