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Are you thinking about buying a home? Purchasing a property is most likely the biggest financial decision you will ever make. Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully, and with the proper guidance. I am an Accredited Buyers Agent. I would love to help.
Why Do You Want To Buy?
Are you tired of paying rent? Have you decided to pay your own mortgage and not your landlord’s? Have you outgrown your current home? Are you looking for an investment portfolio? Are you looking for a rental property? Would you like a larger yard? Would you rather live in a different area? Do you want to shorten your commute? Are you having trouble finding an affordable place to live that allows your pets? Having a clear sense of your reasons for buying will help you choose the right property.
Rent vs. Buying
It’s a great idea to compare the costs of paying rent versus purchasing a home. Keep in mind that while rents will increase over time, a mortgage on a home has the potential to stay relatively level over the same time period. The New York Times has a helpful calculator to determine whether renting or owning may be the best solution for you. There are also tax advantages to home ownership because the interest you pay on your mortgage may be tax deductible. Here is a useful calculator to see the potential tax savings of home ownership.
Has Your Income Grown?
Property ownership can be an excellent investment; whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the least risky ways to build equity or to obtain a greater return on your initial investment.