The ability to purchase a home is a bittersweet reward. You spend so much time and energy planning and saving, but then the burden of the details weighs on your conscience. Before diving into the logistics, scale back the scope to the things within your control and let the rest go.
Location
It would not make sense to invest thousands of dollars into a home that did not fit your lifestyle. Considering all the changes the market experienced with the pandemic, individual lifestyles underwent makeovers to accommodate new demands.
Before you sign, seal, and deliver your offer, there are a few helpful considerations when buying a house regarding its location. There is a lot of decision-making and thought that goes into where you lay your roots down. It’s essential to factor in things like:
Commute to work – Are you grounded with remote work, or do you continue to travel to the office?
School systems – Are the schools in the area what you would prefer?
Community – Does the neighborhood have social groups that fit your interests? Is it close to the things you need?
Finances
Potentially a more crucial aspect to homebuying in 2021 is the financial aspect. Many people experienced job change or movement in 2020 due to the pandemic and now face new challenges on a day-to-day basis. If you’re looking to sell and rebuy, the good news is it is a seller’s market.
On the flip side of the coin, a first-time homebuyer will experience increased struggle with a continuously fluctuating supply and demand. No matter your current status, it is dog-eat-dog as of late. Using your finances to leverage your options is the safest way to secure the purchase with the location you prefer. Pay special attention to:
Down payment
Mortgage rates
Job security
Maintenance
After accounting for the finances and declaring specific location needs, you will need to ensure you are not “house poor” once you move in. What does that mean? All your income, disposable and non-disposable, is thrown into the house on renovations and repairs.
The condition and general age of the home you wish to purchase will determine many things for your pocketbook. On top of the mortgage, homeowners’ insurance is a monthly expense that you want to guarantee you invest into wisely. Put this near the top of your list of to-dos before buying. The last thing you want is a sewer line issue the week you move in and a complete lack of coverage or savings.
The list of helpful considerations when buying a house is potentially endless. Narrowing it down to the most important things to you and your family will help you go into the process with a broader spectrum of understanding. The real estate market is everchanging, but these factors almost always apply.
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