<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Jae Ellison]]></title><description><![CDATA[Jae Ellison]]></description><link>https://www.jaeellison.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 31 Jul 2026 19:10:00 GMT</lastBuildDate><atom:link href="https://www.jaeellison.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Do I Need a 20% Down Payment to Buy a Home? ]]></title><description><![CDATA[For many first-time homebuyers, the down payment feels like the biggest obstacle. You may have heard that you need to save 20% of the home’s price before you can buy. On a $300,000 home, that would mean bringing $60,000 for the down payment alone. Here is the good news: you usually do not need 20% down to purchase a home. Several mortgage programs allow qualified buyers to purchase with 3%, 3.5%, or even 0% down. The right option depends on your income, credit, military service, property...]]></description><link>https://www.jaeellison.com/post/do-i-need-20-percent-down-payment</link><guid isPermaLink="false">6a6a1b3baafa7205711f9bcb</guid><pubDate>Wed, 29 Jul 2026 16:06:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/6c39b5_7423fa29c3fa470bb55267193577de1a~mv2.png/v1/fit/w_1000,h_500,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jae Ellison</dc:creator></item><item><title><![CDATA[When Should You Start Talking to a Mortgage Lender?]]></title><description><![CDATA[Many home buyers wait until they are ready to make an offer before talking to a mortgage lender. That may seem logical, but it can create extra stress and limit your options. The best time to speak with a lender is usually before you start seriously shopping for a home. In many cases, starting the conversation months early is even better. You do not need to have perfect credit, a large down payment, or every detail figured out. An early conversation is not a commitment to buy. It is simply a...]]></description><link>https://www.jaeellison.com/post/when-should-you-start-talking-to-a-mortgage-lender</link><guid isPermaLink="false">6a53dbc96c2bae2e27936f33</guid><pubDate>Sun, 12 Jul 2026 19:04:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/6c39b5_321fcf4591424ef68ed24ac0156dd34b~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jae Ellison</dc:creator></item></channel></rss>