Home doesn’t look the way it used to — and that’s something to celebrate. This Thanksgiving, Liana Pomeroy reflects on how today’s families are redefining what home means, from co-buying to blended households, and how Pomeroy Lending proudly supports every version of the American Dream.

As the year winds down, gratitude finds its way home. In warm lights, shared meals, and the comfort of knowing you’ve built something lasting. From first-time buyers to seasoned investors, there’s always something to be grateful for in the journey toward stability, freedom, and belonging.

Rates are at their lowest in over a year, and buyers finally have leverage. Homes are sitting longer, sellers are offering concessions, and smart buyers are quietly taking advantage. Waiting could mean higher prices and tougher competition. Here’s why acting now matters.

Rates have dropped into the high fives and low sixes for many homeowners. If your mortgage rate starts with a seven or eight, your buydown is expiring, or you’re still paying mortgage insurance, now is the time to revisit your loan strategy. A refinance could mean real savings and more financial stability.

Lifestyle real estate is not about luxury. It is about designing a home and financing strategy that supports your real life. From renting out a main house while living in an ADU, to househacking a duplex, or creating multigenerational living, smart financing can reduce costs, build equity, and improve quality of life.

Retirement is not the end of your homeownership journey. With the right financing tools such as reverse mortgages, HELOCs, and asset based loans, seniors can downsize, free up cash, or move closer to family. Whether you are 62 or 82, you still have options to create stability, reduce stress, and own a home that supports your lifestyle.

Yes, you can start building wealth in real estate even if you’re low on cash. Some of the most powerful strategies begin with your own home and require little or no money out of pocket. From zero-down VA loans to FHA and conventional househacking, gift funds, and partnerships, there are creative ways to buy your first property affordably. Your first home could also be your first investment. Let’s make your money work smarter.

Flipping houses can be a smart way to build wealth, especially in today’s soft market. With more inventory, motivated sellers, and less competition, savvy investors can find profitable deals. The key? Buy smart, stick to the 70% Rule, budget with discipline, and always have a backup plan. From first-time flippers to seasoned pros, the right financing and strategy can turn your next project into serious equity.