Determining What You Can Afford
The key to successful home ownership is knowing what you can afford to spend each month.
At Integrity our process is to sit with you to review your cash flow and guide you to determine your comfort level before you look at potential homes. Looking at properties you can’t afford can be very discouraging, especially for first-time buyers. We all live in an “HGTV” world, where we want it all, and we want it now. We want the granite, the hardwoods and the perfect floor plan, in the perfect neighborhood. This is a nice dream, but somewhat unrealistic. We work towards helping you find your comfortable price point, and then finding a home that will meet your needs. We also prepare a spread sheet that estimates monthly costs, including taxes, insurance, home owners association fees, etc. to show you the realistic costs of buying at different price points. By the time you look at homes and write an offer you will be informed and empowered to be comfortable with your decision.