Your realtor should be able to help you decide whether or not the home is truly affordable and within your means. They can point you in the direction of a reliable online affordability calculator but they can also help by listing all the known costs that come with the house. Home owners insurance property taxes typical monthly electrical bills of past owners home association fees etc… These are all items that must be included in your affordability calculations. Buy smart and don’t dive into something that ends up drowning you in debt. This is the most stressful part of the entire home buying process. Here is where you hand it all over to the realtor and expect them to negotiate like a shark. But here’s the thing— the higher the selling price the higher the commission for the relator. Did your realtor tell you this? We doubt it; its up to you to know these little facts.
Maybe you are single and buying your first home. Most likely this isn’t going to be the home you raise kids in. We still encourage you to buy in a growing family neighborhood where schools are established or are in the phase of being built. This is the perfect investment scenario. A home where families are flocking and schools are growing is only going to go up in value. So buy that family home even if you don’t plan on staying in it for the long haul—your wallet will thank you in the end. Of course realtors and sellers have a legal obligation to reveal pertinent things they know about the property. Things such as past floods restorations and future building proposals in the vicinity are all topics that should be revealed to a potential buyer. Wouldn’t we all like to know if a baseball field is proposed for construction across the street?
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