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When my husband and I bought our first home in 2014, it was an exciting experience for us. I was in my late 20’s, he his early 30’s, and it was time to find a more permanent place to settle down. We had rented our entire marriage up until that point. We always ended up moving about once a year for one reason or another. That was something we also grew tired of.

Here are some of our top perks of homeownership.

six perks of homeownership

Freedom. Something we couldn’t do while renting was paint, renovate, or decorate fully to suit our tastes. (Okay, my taste. He doesn’t really decorate the house.) Since owning a home, we’ve renovated our kitchen, laid new flooring, and painted almost all of the rooms. It’s a slow process, but we’ve done a lot of work to make our house what we love. If we want to knock down a wall, we can do it.

Stability. Stability came in more than one area of life for us. First of all, we wanted our kids to have a hometown to grow up in. We picked a small town with lots of family activities, an active homeschool group, nice parks, and a great library. Secondly, we’ve found financial stability in owning a home. Since we used to move a lot, we never knew what our rent or utility costs would potentially be in the next home. When you own a home, you ideally have a fixed rate, and know what your mortgage will cost from month to month. We also have a stable utility payment each month.

Tax Deductions. Did you know that the interest you pay on your mortgage is tax deductible for most Americans? You don’t have to keep track of it either, as your lender will send you a statement at the end of every tax season. Different kinds of mortgage insurance also may count as a tax deduction.

Improve your credit score. Over time, making on time mortgage payments will help improve your credit score. Sometimes, you can even get a mortgage with bad credit loans Tampa. Consulting a real estate agent or banker to get sound advice on improving your credit score before buying a home can be helpful.

Investment. Owning a home really is an investment. It’s a long-term financial commitment. Most of the time, your home’s value will increase with home improvements, market value, and other factors. Not only is it a financial investment, but a personal investment. A home you own belongs to you. You have a safe place to call your own and live for the next 30 years if you’d like.

Privacy. This has to be one of my favorite parts of owning a home. When it comes time to fix something, I don’t have to call the landlord over. If the house is a mess, I don’t have to worry about the landlord dropping by. We haven’t because we have great neighbors, but we could put up a privacy fence if needed. I also love not living in an apartment building and worrying about loud neighbors on the other side of the wall.

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Farrah

Hi! I’m Farrah, the blogger behind New and Natural Mom. I’m a follower of Christ, wife, homeschool mom of five, and am passionate about natural living! You can find things related to natural living, parenting, homeschooling, and other general lifestyle topics. Be sure to follow along on social media!

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