Should You Wait for Mortgage Rates to Drop Before Buying?
Quick Answer: Probably not, if you're financially ready now. The 30-year fixed rate averaged 6.65% as of August 20, 2026, according to Freddie Mac, and most major forecasters expect rates to stay in the mid-6% range through 2027. Some predict a small dip, others predict rates could tick back up. Wai
Should You Use Your 401(k) for a Gulf Coast Down Payment?
Quick Answer: You can pull money from a 401(k) to buy a home on the Mississippi Gulf Coast, but most Coast buyers don't need to. The IRS $10,000 first-time homebuyer penalty exception applies to IRAs, not 401(k) plans, so an early 401(k) withdrawal usually means income tax plus a 10% penalty on top.
Is Bay St. Louis, MS a Good Place to Buy a Home?
Quick Answer: Bay St. Louis is a small coastal city in Hancock County, known locally for its historic Old Town district and slower, golf-cart-friendly pace. The typical home value is $230,250, up 6.3% over the past year, according to Zillow. Of the three zip codes commonly associated with the area,
Randy Richardson
Phone:+1(228) 547-9999