How to Declare Independence from Your Landlord in 2025

Blog posted On July 03, 2025

Renters, are you tired of your lack of independence? Tired of getting ghosted by your landlord when you have an urgent issue, like a leaking ceiling or broken AC? If you’ve had enough, it’s time to declare your independence from your landlord and pave your own way toward building your own equity. With fireworks flooding our night skies this holiday, it’s time to celebrate the 4^th of July by diving into the freedom of homeownership — you’ve earned it!

Renting Vs. Buying

While it’s tempting to leave the shackles of renting behind you, we also understand why you’d have a few hesitations. There are a few reasons why many still prefer to rent, including enhanced flexibility, a lower level of commitment, and other advantages. However, there are a number of reasons why renting still isn’t benefiting you in the short or long run:

• You’re building someone else’s equity, not your own
• You have no control over rent payments hiking up every year
• If the landlord suddenly needs the property, they can end your lease without much notice, forcing you to scramble and find another rental last minute
• You depend on your landlord to make emergency repairs in a timely manner
• There can often be extra rental fees, hidden costs, and pet rent tacked onto your monthly bills
• Rental frustrations can occur even after you’ve moved out, with landlords withholding security deposits for preexisting wear and tear that you may not have caused

Benefits to Ditching Your Lease for New Keys

Now, here’s a few reminders why becoming a homeowner will give you so much more freedom and flexibility than living under a landlord.

The Freedom to Personalize Your Home

• The freedom to paint your walls any color you like
• Renovate your kitchen or bathrooms as you see fit
• Install fixtures of your choice
• Create a gorgeous garden in your backyard, no longer limiting yourself to small potted plants

Financial Freedom

• You’re building equity and long-term wealth
• Equity can be used in the future for renovations
• You can use your current home to fund your upgrade to a bigger home down the road
• Money stays in your pocket instead of someone else’s
• Potential tax benefits and deductions
• Enhanced stability with fixed mortgage rates over rising yearly rental payments

Declare Your Independence from Renting with the HomeFundIt™

Not only can we help you achieve the dream of homeownership and ditch your renting woes, but we also have a special mortgage product to further incentivize your homeownership decision. HomeFundIt is a unique community gifting platform, allowing home buyers to raise funds for their down payment. It’s a helpful tool, especially for first-time home buyers, to boost affordability for purchasing a home.

How It Works

• Create your customized HomeFundIt page in minutes
• Invite your friends, family, and community to donate
• Collect down payment gifts online
• Receive a 2-to-1 match, up to $2,000* towards purchase
• An excellent alternative to wedding registries and graduation gifts

Like the Founding Fathers signing the Declaration of Independence, it’s time for you to sign the papers for your new home, freeing you from the restrictions of rental life and kicking your unreliable landlord to the curb. If you’re ready to finally make that jump and declare independence from renting, we’re prepared to step up to the plate and provide a seamless lending experience for you and your family. Get ready to light some fireworks — your future starts now!

Source: Bankrate, U.S. News

*Grant is a $2-to-$1 match on regular down payment gifts received on HomeFundIt™, up to the lesser of $2,000 or 1% of purchase price for first-time buyers, as defined by Fannie Mae, who complete home buyer education prior to signing a purchase contract. Talk to your loan officer or visit your HomeFundIt dashboard for next steps, or you can also find a housing counselor near you by visiting https://www.hud.gov/counseling.

Grant funds are applied to nonrecurring closing costs. If closing costs are fully paid by seller or interested party, grant funds can be used to buy down the rate. Grant funds cannot be used towards a down payment. Visit https://www.homefundit.com/Grant for complete terms and conditions.