Creamy Tortellini Vegetable Soup
Unlock the Door to Homeownership With a Little Help From Loved Ones The Family Advantage
Inspired by EatingWell.com
Ingredients
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2 tbsp extra virgin olive oil 1 cup peeled and chopped carrots 1 cup chopped yellow onion 1 tbsp finely chopped garlic 3 cups reduced- sodium vegetable broth
with basil, garlic, and oregano 2 tbsp fresh basil, chopped
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1/2 tsp ground pepper 1/4 tsp plus 1/8 tsp salt 1 (9-oz) package refrigerated cheese tortellini 1 (5-oz) package baby spinach 1 cup heavy cream
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Buying a home is one of the most significant milestones one can achieve in life, but home ownership can sometimes feel out of reach, especially for first-time buyers. Surprisingly, one of your strongest support groups could also help you in your search for your dream home. Your family can provide financial and strategic assistance, making homeownership more accessible. From contributing to your down payment to enabling you to secure favorable loan terms by purchasing a home for a family member, familial support goes far beyond advice and moving help. Buy a primary residence for a family member. Typically, when you purchase a second home as an investment or a vacation home, you are telling the bank the property won’t be your residence; it will be an income opportunity. You will have to pay 20%–30% more on the down payment than if it were your primary residence. However, if you purchase that home for a family member, like your parent or a child, you might be able to buy it with the same terms as a primary residence without the requirement to live there. A family member exception can help you pay the same mortgage and interest rate as a primary owner-occupied residence. This is a win-win, as the family member gets to begin the journey of homeownership/ independent living faster while the other gets to invest in the safest and steadiest investment out there, real estate. Help with a down payment. Affordability is often one of the largest barriers for new homebuyers, and your family member could potentially help you come up with the down payment. Lenders will allow you to use gift money from a relative for closing costs, whereas financial gifts from someone not close to you don’t typically qualify. Depending on your budget, this could be an excellent way for a parent/grandparent/aunt or uncle to help someone get started on their first home, especially since it’s getting harder and harder for young people to buy real estate. Your family can help open doors to home ownership. While these options won’t apply to everyone, they offer an exciting opportunity for families to work together toward shared goals. If you are considering this path, your best strategy is to start by meeting with an experienced Realtor and mortgage loan officer. Contact me to begin exploring options available for making home ownership and building wealth through real estate a reality.
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1 (15-oz) can (no salt added) diced tomatoes
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Directions
1. In a large Dutch oven, heat olive oil over medium-high heat. Add carrots and onions and cook for about 5 minutes or until onions are softened. Add garlic and cook for 1 minute or until fragrant. 2. Add broth, tomatoes, fresh basil, pepper, and salt. Bring to a boil, stirring occasionally. Reduce heat to medium, cover, and let simmer for about 5 minutes or until carrots are slightly tender. 3. Stir in tortellini. Cook until pasta is tender. Reduce heat to medium-low. 4. Add baby spinach and cream. Cook until spinach is wilted. Serve and garnish with additional basil if desired.
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