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Why You Should Buy Now

Owning a home is one of the best ways to build long-term wealth. But buy a home now and not wait a few years? Mortgage interest rates are still at very favorable levels, but rates are sensitive to market forces and can change quickly. Interest rates are crucial because they will save you the most money in the long run. A monthly principal and interest for a 4.0% fixed-rate $150,000 mortgage will only amount to $716.12, but if you raise the interest rate by only three percent, your monthly payment will increase exponentially to $997.95. So if you’re interested in saving money…. Now is the time to purchase a home!

Finding a Professional REALTOR®
Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.
• Ask family and friends who have bought or sold their home who they’ve worked with.
• Interview a couple of REALTORS® to determine who you are comfortable working with.
• Clarify what your expectations are, communication is key to a successful partnership.

And know that every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a customer of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters.

Find out How Much Mortgage Can You Afford
Not only does owning a home give you a haven for yourself and your family, it also makes great financial sense because of the tax benefits – which you can’t take advantage of when paying rent. Start your homeownership journey off on the right foot by finding out how much of a mortgage you can afford up front. Keep in mind, the lower the interest rate, the more you may qualify for. Follow our tips, and use this simple calculator to see how much of a mortgage payment you can afford. 

Identify Your Needs
Before you start your search for the perfect house, it is important to identify your housing needs in order to narrow your choices of properties. Hunting for a home can be a time consuming process. And many home buyers make the mistake of misinterpreting a “want” as a “need”. When thinking about your needs, take into consideration:
• Square footage
• Number of bedrooms/bathrooms
• Garage or basement for storage needs
• Kitchen
• Lot size for children or pets
• Proximity to a specific school
Your goal should be to put the emphasis on finding a house that meets all of your needs but also includes as many of your wants as possible. And most importantly, fits your budget.

When you are ready to begin your search, click here.