If the housing market feels confusing right now, you’re not alone.

You started shopping with a specific mental image of your future home in your mind. Then the houses in your budget came in smaller than you pictured.

You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier.

Let’s be real with each other for a second about affordability.

Nearly half of Veterans (49%) feel homeownership is currently out of reach, according to a recent survey from NewDay USA.

If you’ve always assumed a newly built home is just not in your budget, you should know the math just got a little friendlier.

You may have seen the headlines lately about mortgage debt in America hitting a record high.

It’s one of the biggest hold ups some buyers have right now: “What if I buy, and home prices go down?”

Most sellers come into the market with one number in mind. And it’s often the one that costs them the most.

You’ve probably seen the headlines saying, “foreclosures are on the rise,” and maybe your mind jumped straight to 2008.