Tag: buying a home faq

Buying a House in Retirement: Pros, Cons, and How to Choose the Right Home
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Key takeaways:
- Plan ahead for how you’ll pay for a home in retirement and what fits comfortably within your long-term budget.
- Focus on finding a home and location that support your lifestyle, accessibility needs, and future comfort.
- Consider how homeownership fits into your broader retirement plans, including taxes, maintenance, and estate planning.
Buying a house in retirement can offer stability, comfort, and a lifestyle that better fits your long-term plans, whether you picture a quiet home in Scottsdale, AZ or a coastal condo in Charleston, SC. For some retirees, owning a home provides a sense of permanence and the freedom to personalize their space. However, the right choice depends on your financial situation, how long you plan to stay in the home, and what type of lifestyle you want in retirement. Understanding the pros and cons of buying a house in retirement can help you decide if homeownership is the right move.

1. Plan how you’ll pay for a home in retirement

Before you start looking at homes, take time to understand your retirement home budget and how a new place fits into your long-term lifestyle. A little financial planning for a retirement home can help you feel confident about daily comfort, monthly cash flow, and how long you plan to stay in the home.

To explore different scenarios, you can use online tools to get a general idea of what may feel comfortable for you. Redfin offers a Home Affordability Calculator to estimate how much home might fit your budget and a Mortgage Payment Calculator to see how different down payments or loan terms could affect a monthly payment. These tools can help you compare options and begin thinking about what feels manageable in retirement.

Can you get a mortgage in retirement?

You may be wondering if you can get a mortgage in retirement, and the answer is yes. Lenders may consider retirement income sources when approving a mortgage in retirement, such as savings, pensions, or Social Security. From there, decide whether paying cash vs. a mortgage in retirement aligns better with your needs. Paying cash can offer simplicity and peace of mind, while financing a house after retirement may let you keep funds accessible for hobbies, travel, or future plans. The right approach depends on what provides the most comfort, flexibility, and security for your retirement lifestyle.

Pros and cons: Paying cash vs. financing in retirement

Paying cash in retirement

Pros:
- No monthly mortgage payments to manage
- Can offer peace of mind and a sense of security
- Simplifies the homebuying process and closing timeline
Cons:
- Ties up a large portion of your savings at once
- Less flexibility if you want funds available for travel, hobbies, or future needs
- May limit options for other retirement lifestyle goals
Financing a home after retirement

Pros:
- Keeps more of your savings accessible for lifestyle priorities
- Provides flexibility to invest, travel, or handle future expenses
- Can allow you to buy the home that best fits your long-term needs
Cons:
- Monthly mortgage payments become part of your retirement budget
- Requires approval and documentation of retirement income
- May feel less simple or stress-free compared to owning outright
2. Choose the right home and location for your retirement lifestyle

When buying a house in retirement, think about the type of home and location that will support your comfort, routine, and future needs. Many people begin downsizing for retirement to make life more comfortable and manageable. They often search for the best homes for retirement living, like low-maintenance condos, single-story homes, or 55+ communities with amenities and social connection.

From there, consider where you want to live. Some retirees prioritize retiring in warm weather or a strong sense of community, while others prefer retiring near family for support and connection. Look for areas that make daily life enjoyable.

What to look for in a retirement location

Home features
- Low-maintenance living (condo, townhouse, or single-story home)
- Right-sized layout that fits your daily needs
- 55+ or active adult community options
Location & lifestyle
- Near family, healthcare, recreation, and community activities
- Walkable community with parks, shops, and everyday essentials close by
- Social opportunities that support hobbies, connection, and long-term comfort
3. Think long-term: Aging-in-place features and accessibility

When buying a home in retirement, consider whether it will remain comfortable and practical as your needs change. Look for features that support aging in place and make daily living easier:

Home accessibility features to consider:
- Single-floor living or main-level bedroom and bathroom
- Easy-entry home with minimal or no steps
- Wide doorways and hallways
- Walk-in shower with space for seating
- Lever-style door handles and faucets
- Good lighting and non-slip flooring
- Laundry on the main level
- Space for future accessibility additions (grab bars, ramps, etc.)
4. Tax, estate, and planning considerations

When buying a home in retirement, it’s important to think about how your property fits into your broader financial and estate plans. Owning a home can influence everything from long-term budgeting to how your assets are managed or passed on in the future.

Start by reviewing how homeownership affects your overall retirement picture. Consider how long you plan to stay in the home, who might help with future decisions, and whether the property supports your comfort and financial goals as your needs evolve.

It’s also worth noting that tax rules for homeowners can vary depending on where you decide to live. Property tax rates, exemptions, and programs designed to assist older homeowners differ by state and local jurisdiction. Because these factors can be complex and highly personal, many retirees choose to speak with a qualified tax advisor, estate planner, or financial professional for guidance specific to their situation.

If you choose to speak with a professional, here are a few questions you might consider asking:
- How could this property fit into my long-term estate plans?
- What should I know about ownership or beneficiary options for a home?
- Are there local or state tax considerations for retirement homes I should be aware of?
- Are there any age-related property tax programs or exemptions in this area?
- What general factors should people keep in mind when property planning in retirement?
5. Explore retirement-friendly community options

The type of community you choose can shape your lifestyle, social connections, and daily routines in retirement. Here are common retirement-friendly living options to consider:

55+ active adult communities: Designed for adults 55 and older with amenities, social clubs, and age-friendly features.
- Pros: Built-in social network, low-maintenance living, age-friendly amenities.
- Cons: HOA fees and rules, age restrictions for younger visitors or long-term stays.
Independent retirement communities: Offers a maintenance-free lifestyle with optional services like transportation, dining, or activities.
- Pros: Convenience, community support, optional services that simplify daily life.
- Cons: Monthly fees for services, less independence than a standard neighborhood.
Resort-style or active lifestyle communities: Planned communities focused on recreation and amenities such as golf, pools, clubhouses, fitness centers, and group activities.
- Pros: Year-round recreation, strong social environment, vacation-like setting.
- Cons: Higher costs for amenities, may feel busy or structured for those who prefer quieter living.
Traditional neighborhoods: Many retirees choose to buy homes in regular neighborhoods rather than age-restricted communities. These areas include residents of all ages and offer the familiarity of a typical residential setting.
- Pros: Broader mix of neighbors and flexibility for hosting family or friends.
- Cons: Fewer age-focused amenities and potentially more maintenance responsibilities.
When buying a house in retirement may not be the best fit

Buying a home isn’t right for every retiree. In some cases, flexibility, lifestyle changes, or financial uncertainty can make renting or other housing options a better fit. Here are a few situations where the downsides of buying in retirement may outweigh the benefits:
- You value flexibility or expect to relocate. Frequent moves, travel, or uncertainty about your long-term location can make renting a smarter choice than committing to a home.
- You want to simplify or avoid maintenance. Even low-maintenance homes still require some upkeep, which may not align with a lock-and-leave lifestyle.
- Your financial picture may change. If income, savings, or healthcare costs feel unpredictable, avoiding a large purchase may help preserve flexibility.
- You’re unsure how long you’ll stay. Since buying and selling come with costs, purchasing a home may not make sense if you don’t plan to remain there for several years.
- You’re concerned about common mistakes retirees make when buying a home. Selecting a home that isn’t future-friendly (like multi-level living or high upkeep) may create challenges later.
Renting vs. buying in retirement: Which is right for you?

When deciding between buying vs renting in retirement, think about what’s more comfortable for this stage of life. There’s no single answer to whether retirees should rent or buy. Buying offers long-term roots and the ability to make a space your own, while renting provides flexibility, downsizing, and fewer responsibilities. The choice between a rental vs homeownership comes down to how settled you feel, how much maintenance you want to manage, and the lifestyle you prefer.

Pros & cons of buying in retirement

Pros
- Long-term stability and a sense of home
- Freedom to personalize and make updates
- Can create roots in a community
Cons
- Ongoing home maintenance and upkeep
- Less flexibility if you want to move or travel
- More responsibility in managing the home
Pros & cons of renting in retirement

Pros
- Flexibility to move or try new locations
- Low-maintenance lifestyle with fewer responsibilities
- Easier downsizing and simpler daily living
Cons
- Less control over the space and any changes
- Possibility of needing to move if lease terms change
- May not offer the same sense of long-term permanence
Should you buy a home in retirement quiz

Answer Yes or No to the statements below:
1. I want long-term stability and a place that truly feels like home.
2. I plan to stay in the same area for several years and feel settled about where I want to live.
3. I’m comfortable managing some level of home upkeep or arranging help as needed.
4. I want the freedom to personalize my space and make it my own.
5. The idea of putting down roots in a community feels exciting and right for this stage of life.
How to reflect on your answers:
- Mostly Yes: Buying may align well with the lifestyle you want in retirement.
- Mostly No: Renting or exploring flexible housing options may better support your goals right now.
- Mixed: Consider which factors matter most to you—stability or flexibility—and revisit the pros and cons before deciding.
The bottom line when buying a house in retirement

Buying a house in retirement is ultimately a lifestyle decision, one shaped by comfort, stability, and how you envision the years ahead. The best choice depends on your finances, long-term plans, and the type of home and community that support your future needs. Use these buying a retirement home tips as a starting point, and take time to explore your options so your next move truly enhances your retirement lifestyle.

FAQs on buying a house in retirement

1. Can you get a 30-year mortgage in retirement?

Yes, retirees can qualify for a 30-year mortgage if they meet lender requirements; income can come from sources like Social Security, pensions, or retirement accounts.

2. Is it better to buy or rent in retirement?

It depends on your goals, buying offers stability and long-term housing, while renting provides flexibility and fewer maintenance responsibilities.

3. What is the best age to buy a retirement home?

There’s no set timeline – many people start planning or buying based on their lifestyle and long-term goals.

4. Should I buy a retirement home before I retire?

Some buy a few years before retirement to settle in gradually, while others wait until after retiring for simplicity, timing depends on your comfort and readiness.

5. What should I look for in a retirement-friendly home?

Look for features that support long-term comfort, like single-level living, minimal stairs, low-maintenance design, and convenient access to daily needs.

6. Can I use retirement savings to buy a house?

Yes, it’s possible, but withdrawals may affect long-term savings or have tax implications, so it’s helpful to review options carefully.

7. Should I downsize when buying a home in retirement?

Downsizing can simplify upkeep and space needs, but the right choice depends on your lifestyle and how much room you’ll use.

8. Can buying a house affect my retirement income or taxes?

Owning a home may impact your monthly expenses and taxes, and some areas offer property-tax programs or exemptions for qualifying homeowners.
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Holly Hooper

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November 20, 2025
Lowball Offer Explained: What Is It and How to Navigate
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Lowball offer key takeaways:
- A lowball offer is typically 10-30% below a home’s asking price and can be a smart strategy when based on market data and property condition.
- Timing and research are essential—lowball offers work best when a home is overpriced, needs repairs, or has been on the market for a while.
- Respectful negotiation matters; a well-reasoned offer and professional communication increase your chances of a positive response from the seller.
If you’ve ever tried selling a sofa on Facebook Marketplace, you’ve probably received a lowball offer; someone proposing to pay far less than your asking price. The same concept exists in real estate, except the stakes are much higher. A lowball offer in real estate occurs when a buyer suggests a purchase price that’s significantly below the seller’s asking price.

In today’s housing market, where affordability challenges many first-time homebuyers, understanding what a lowball offer means and when it’s appropriate can help you save money without offending a seller.

Buying a home, making an offer, and navigating negotiations can feel overwhelming, especially for first-time buyers. But don’t worry; we’re here to help. This Redfin guide explains what a lowball offer is, when to make one, and how to approach the process respectfully and strategically.

Table of Contents

What is a lowball offer?

Lowballing refers to the practice of making an offer below the asking price in hopes of negotiating a better deal. Typically, a lowball offer ranges from 10% to 30% below the listing price; however, this can vary based on factors such as market conditions, the home’s value and condition, and how long it has been on the market.

For example, in a seller’s market, where demand is high and inventory is limited, even a small discount might be perceived as a lowball offer. While this strategy can help buyers save money, it requires careful timing, thorough research, and a clear understanding of the seller’s situation.

Pros of a lowball offer

For buyers:
A lowball offer can help you purchase a home for less than market value, which can be a major win for your budget. If accepted, you could save thousands of dollars or free up funds for renovations and repairs. Even when a seller does not take the initial offer, a well-reasoned lowball offer can open the door to negotiation; it signals genuine interest and gives both parties a chance to find common ground.

For sellers:
While it may feel discouraging, a lowball offer can still indicate buyer interest, especially in slower markets. Sometimes, an offer below the asking price can spark competition or encourage other buyers to act quickly. For sellers eager to close, such as those relocating or managing an estate sale, a lowball offer can result in a faster sale than waiting for a higher bid that may never come.

Cons of a lowball offer

For buyers:
There are definite downsides to making a lowball offer. Submitting an extremely low offer can offend the seller or make you appear unserious, reducing your chances of negotiation. You also risk losing the home entirely if the seller rejects or ignores your offer. A low offer can sometimes result in less favorable terms, such as fewer seller concessions or less flexibility with closing dates. Additionally, if your offer is far below market value, it may damage your credibility, especially in a competitive market.

For sellers:
Receiving a lowball offer can feel personal or frustrating, particularly if there is an emotional attachment to the home. Engaging in negotiations with a buyer who starts too low can waste time or cause missed opportunities with other interested buyers. Even if the seller decides to counter, beginning from an extremely low point can prolong the negotiation process and delay the sale.

When should you make a lowball offer?

A lowball offer can be a smart move when the numbers and circumstances are on your side. While it is not always the right strategy, there are several situations where it may work to your advantage:
- The listing price is too high: You may feel the price is above market value, and sometimes you are right. Some sellers list homes higher than what local data supports, either due to emotional attachment or outdated pricing expectations. Working with a knowledgeable real estate agent can help you evaluate whether the market supports your position before submitting a lowball proposal.
- The home needs updates or repairs: If a property shows noticeable wear and tear or deferred maintenance, a lowball offer may be reasonable to offset the cost of necessary upgrades. For example, if similar homes nearby have updated kitchens or roofs and this one does not, your agent can help justify a lower offer to reflect that difference.
- The home has been sitting on the market: When a home has been listed for an extended period without offers, the seller may be more motivated and open to negotiation. If a property has been on the market for more than three months, it may indicate that the price is too high or that buyer interest has cooled.
- The property is an estate sale or foreclosure: Estate sales and foreclosures often involve sellers who need to close quickly. These motivated sellers may be more open to a lowball offer if it helps them move forward sooner. Before making an offer in these cases, conduct proper research and consult your agent to ensure you understand the process and any legal or condition-related complexities.
What not to do when making a lowball offer

If you decide to submit a lowball offer, approach it carefully and respectfully. Even if it is rejected, a thoughtful approach can leave the door open for future negotiations.
- Don’t make your offer too low: While every situation is different, offering more than 30% below the asking price is often too aggressive and may alienate the seller. An extremely low offer can offend them and prevent further discussion.
- Don’t skip your research: Before submitting any offer, review comparable sales, current market trends, and the property’s condition. A well-researched lowball offer shows that you are serious and informed; an uninformed one can harm your credibility.
- Don’t ignore the seller’s situation: Always consider the seller’s motivation. If you submit a lowball offer on a newly listed home or one with multiple offers, it is likely to backfire. Timing is key; wait until the listing has been on the market long enough to suggest flexibility.
- Don’t overload your offer with demands: If you are already offering below the asking price, avoid adding multiple repair or credit requests. Too many demands can make the deal feel one-sided and discourage the seller from engaging further.
- Don’t skip the personal touch: Including a thoughtful offer letter can make a difference when your bid is below the asking price. Explain your reasoning politely; for example, you may love the home but need to stay within budget or plan to renovate. Show the seller that your offer is genuine and respectful.
Don’t take rejection personally: If your lowball offer is rejected, remain professional and positive. Sometimes a seller may return to you later if the home does not sell quickly, so keep communication open and stay patient.

FAQs about lowball offers

How does a lowball offer get approved?

A lowball offer is approved when a seller accepts or negotiates terms closer to your proposed price. It is uncommon but possible, especially in slower markets or when the home has been listed for an extended period. Working with an experienced agent can help position your offer strategically so it is more likely to be taken seriously.

As a seller, how should I respond to a lowball offer?

Receiving a lowball offer can sting, but it is important to stay calm and professional. Evaluate whether the buyer’s reasoning has merit, and consult your agent about a possible counteroffer. Even if the offer is low, it may still lead to productive negotiations.

Should I make a lowball offer?

That depends on your goals, the property, and the market. If you have done your research, can justify your price, and are prepared to walk away, a lowball offer may be worth pursuing. Consult your real estate agent before deciding to ensure your strategy aligns with current market conditions.

Final thoughts

A lowball offer isn’t about undervaluing a home; it’s about finding balance between opportunity and respect. With research, timing, and a well-communicated approach, first-time homebuyers can use this strategy effectively in today’s market. Remember, the right offer isn’t just about price; it’s about making a deal that works for both sides.
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Jasica Usman

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November 12, 2025
How to Buy a House When You’re Self-Employed: What to Know Before You Apply
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Key takeaways:
- Yes, you can buy a home self-employed: You’ll just need extra income proof for lenders.
- Keep paperwork ready: Tax returns and bank statements show steady earnings.
- Boost your finances: Strong credit, low debt, and savings make approval easier.
Buying a house while self-employed can feel more complicated, but it’s far from impossible. Without W-2s or Without W-2s or an employer to verify income, lenders will ask for more documentation to confirm your earnings. Even if you pay yourself a steady salary, lenders typically want extra proof that your business income is consistent and sustainable. With the right preparation you can qualify for a mortgage and move forward with confidence.

Whether you’re buying a house in Austin, TX, or a home in Denver, CO, this guide explains what lenders look for, the documents you’ll need, and strategies to improve your chances of approval – no matter if you run your own business, freelance full time, or work on 1099 contracts.

Can you buy a house if you’re self-employed?

Yes, you can absolutely buy a house if you’re self-employed. Lenders approve self-employed buyers every day, but the process often comes with more paperwork and closer scrutiny. Unlike W-2 employees, whose income is steady and easy to verify, self-employed buyers usually have fluctuating earnings and no traditional employer to back them up. Because of this, lenders require additional proof, like tax returns, business records, and bank statements, to show that your income is consistent and reliable enough to make monthly mortgage payments.

How lenders view self-employed income

When you’re self-employed, lenders look beyond your job title or business name. Their goal is to see whether your earnings are steady enough to cover a mortgage for years to come. Here are the main factors they review:

What counts as income

Income can come from many sources: business profits, 1099 forms, dividends, or other documented earnings. What matters most is that the income can be verified through official records. A verbal promise of future work or an unsigned contract isn’t enough. Lenders need a clear paper trail to prove your earnings are real and repeatable.

Tax return requirements

Most lenders ask for at least two years of personal and business tax returns. These provide a detailed picture of your income history, showing whether your earnings are steady or unpredictable. Consistency reassures lenders that your income isn’t just a short-term spike but a reliable foundation for long-term payments.

Debt-to-income ratio (DTI)

DTI compares how much of your income goes toward monthly debts (like car loans or credit cards) against what you earn overall. Lenders often want to see a DTI under 43%, though lower is even better. A healthy DTI shows that you aren’t overextended, which makes lenders more confident that you can handle a new mortgage.

Credit score

Your credit score is a snapshot of how well you manage debt. For self-employed buyers, a higher score is especially important because it offsets the uncertainty of fluctuating income. A strong credit history can help you qualify for lower interest rates, saving you money over the life of the loan.

7 steps to buying a house when you’re self-employed

The homebuying process looks a little different when you work for yourself. Following these steps can help make the process smoother and improve your chances of getting approved:

1. Get pre-approved early

Pre-approval shows sellers you’re serious and helps you understand how much you can afford. For self-employed buyers, it also gives lenders more time to review your financials.

2. Gather documents in advance

Having tax returns, bank statements, and profit-and-loss reports ready will speed things up and reduce stress during the loan application.

3. Work with a lender experienced in self-employed mortgages

Some lenders are more familiar with non-traditional income sources. Choosing one who understands self-employed borrowers can make the process easier.

4. Be ready for more questions during underwriting

Expect lenders to dig deeper into your income and business. Providing clear, organized records up front can help keep the process moving.

5. Secure financing before house hunting

This ensures you’re ready to make an offer quickly when you find the right home.

6. Separate business and personal finances

Keeping separate accounts makes it easier for lenders to verify your income and expenses. If your finances are mixed, underwriters may question whether deposits are personal earnings or business revenue, which can slow things down. Clear separation shows professionalism and builds lender confidence.

7. Keep your taxes and records up to date

Filing your taxes on time and maintaining accurate records shows that your business is stable and well-managed. Lenders rely heavily on tax returns to calculate income, so being current avoids delays and ensures they’re working with the most accurate information.

Documents you’ll need to show lenders

Self-employed buyers usually need to provide more paperwork than W-2 employees. Lenders want to see proof that your income is both consistent and reliable. Common documents include:
- Two years of personal and business tax returns: Gives lenders a full picture of your income history and business performance.
- Year-to-date profit and loss (P&L) statements: Shows how your business is performing in the current year beyond what’s on your tax returns.
- Bank statements (personal and business: Verifies cash flow, savings, and that your income matches what you’ve reported.
- 1099 forms or client contracts: Demonstrates steady work and incoming revenue, especially if you work with multiple clients.
- Proof of ongoing work or pipeline: Examples include signed contracts, recurring invoices, or future agreements. These reassure lenders that your income will continue.
How to improve your chances of approval

Being self-employed doesn’t mean you can’t qualify for a mortgage, it just takes more preparation. These strategies can make you a stronger applicant:
- Build and maintain strong credit: A higher credit score signals that you manage debt responsibly, which helps offset concerns about fluctuating income.
- Save for a larger down payment: The more money you put down, the less risk for the lender. A bigger down payment can also help you secure better loan terms.
- Separate business and personal finances: Using different accounts makes it easier for lenders to verify income and expenses. It also shows you manage your business professionally.
- Keep consistent records and limit aggressive write-offs: Writing off too many expenses lowers your taxable income, which can hurt your loan eligibility. Clean, accurate records give lenders confidence.
- Lower your debt before applying: Paying down credit cards, auto loans, or other debts improves your debt-to-income ratio and makes your application more attractive.
Loan options for self-employed borrowers

Self-employed borrowers have access to many of the same loan types as W-2 employees, but some programs are more flexible than others. Here are the most common options:
- Conventional loans: The most widely used mortgage type. Conventional loans typically require two years of tax returns and strong credit, but they can offer competitive rates if you meet the requirements.
- FHA loans: Backed by the Federal Housing Administration, FHA loans allow for lower credit scores and smaller down payments. They still require proof of steady income, but can be more accessible for first-time buyers.
- Bank statement loans / non-QM loans: These “non-qualified mortgage” options let you qualify using 12–24 months of bank statements instead of tax returns. They’re designed for self-employed borrowers with complex finances, but often come with higher interest rates.
- Portfolio lenders and credit unions: Smaller lenders and credit unions may keep loans in-house rather than selling them to investors. This gives them more flexibility to work with self-employed borrowers who don’t fit standard guidelines.
Common challenges for self-employed buyers

Buying a home while self-employed is possible, but it often comes with extra hurdles. Some of the most common challenges include:
1. Irregular income: Lenders prefer predictable paychecks. Fluctuating income can make it harder to prove that you can consistently cover a mortgage.
2. Writing off too many business expenses: While deductions lower your tax bill, they also reduce your reported income. A smaller taxable income may make it look like you earn less than you actually do.
3. Large down payment requirements: To offset risk, some lenders may ask self-employed buyers to put more money down compared to W-2 borrowers.
4. Stricter underwriting: The review process is often more detailed, with lenders double-checking documents and asking more questions than they would for traditional employees.
The bottom line when buying a house self-employed

Buying a house while self-employed takes extra preparation, but it’s completely achievable. Lenders want to see that your income is steady, your records are organized, and your finances are strong enough to manage a mortgage. By gathering the right documents, keeping business and personal accounts separate, and working with a lender experienced in self-employed mortgages, you can put yourself in a strong position to qualify. With the right strategy being your own boss doesn’t have to stand in the way of becoming a homeowner.

Buying a house self-employed FAQs

1. Is it harder to buy a house if you’re self-employed?

Yes. Lenders require stricter income verification, but with the right documentation, it’s very possible to qualify.

2. How many years of self-employment do you need to get a mortgage?

Most lenders want at least two years of self-employment income history to show stability.

3. Do lenders use gross or net income for self-employed borrowers?

Lenders typically use net income (after expenses) from your tax returns, not gross revenue.

4. Can you buy a house with one year of self-employment?

Some lenders may allow it if you have strong credit, a large down payment, and prior work experience in the same field.

5. Are there special mortgage programs for self-employed people?

Yes. Bank statement loans and portfolio lenders may offer more flexible options compared to traditional loans.
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Holly Hooper

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September 25, 2025