Buying a Home

  • Are you trying to decide between building a new home or updating an older home? Do your research and determine your costs for each project, in time and money, before signing on the dotted line.
  • Pay attention to the age-old adage, “Location, location, location.” Take advantage of the lower real estate prices and buy a home in the best area you can afford.
  • When calculating the costs of ownership, remember to factor in the monthly mortgage payment, utilities, property taxes, repairs, homeowner’s association fees (if any), and home maintenance work.
  • Be sure to ask questions and do your research for the best mortgage rate. Ask your mortgage banker to break down what you will pay and evaluate different loan structures. Points, PMI (private mortgage insurance) and closing costs will increase your mortgage cost.

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