{"id":31,"date":"2026-10-28T16:00:00","date_gmt":"2026-10-28T16:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/kimbeirnehomeloans-com\/2026\/10\/28\/homeownership-costs-go-beyond-closing\/"},"modified":"2026-10-28T16:00:00","modified_gmt":"2026-10-28T16:00:00","slug":"homeownership-costs-go-beyond-closing","status":"publish","type":"post","link":"https:\/\/www.kimbeirnehomeloans.com\/blog\/2026\/10\/28\/homeownership-costs-go-beyond-closing\/","title":{"rendered":"Homeownership Costs Go Beyond Closing"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/kim-beirne\/beyond-closing-affordability-remotion-videos-920f\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Owning a home is a milestone\u2014but it\u2019s also a commitment that goes well beyond the excitement of closing day. In a 2026 survey, 63% of Americans said they underestimated the real costs of homeownership, and for first-time buyers, that number was even higher\u201473% misjudged what comes after the mortgage payment. It\u2019s no surprise that 64% reported financial stress, with more than half dipping into savings or emergency funds, cutting back on everyday expenses, or even taking on additional debt to make ends meet.<\/p>\n<p>As someone who guides Colorado homebuyers through every step of the mortgage process, I see firsthand how easy it is to focus on the numbers at closing and overlook ongoing costs\u2014especially when life brings unexpected changes like childcare needs, student loans, or income shifts. That\u2019s why I believe the lender\u2019s role doesn\u2019t end at closing. Offering resources like maintenance checklists, seasonal reminders, and education on equity can make a real difference, turning a one-time transaction into a lasting, trusted relationship.<\/p>\n<p>For me, it\u2019s about supporting you long after the loan funds\u2014helping you plan, budget, and build a strong financial foundation in your new home.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Owning a home is a milestone\u2014but it\u2019s also a commitment that goes well beyond the excitement of closing day. In a 2026 survey, 63% of Americans said they underestimated the real costs of homeownership, and for first-time buyers, that number was even higher\u201473% misjudged what comes after the mortgage payment. It\u2019s no surprise that 64% [&hellip;]<\/p>\n","protected":false},"author":602,"featured_media":32,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/users\/602"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":0,"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/posts\/31\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/media\/32"}],"wp:attachment":[{"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/media?parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/categories?post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kimbeirnehomeloans.com\/blog\/wp-json\/wp\/v2\/tags?post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}