I really do not know what to say. I believe that our property values are stabilizing, the rates are at a historic low - at least in my 30 years of being in this business. And, there are some amazing deals out there for any buyer in any price range. And, there are a lot of different loan programs for owner occupied, second homes and investment properties. Really it is not as hard as you think.
If you are wondering is you can afford a home or can come up with the downpayment, there are some simple, fast ways to figure this out.
#1 - Call me. It is free. We will work up the numbers and find out if you can afford the new house payment. A credit report does cost a little but only after we look at the new house payments, etc.,
#2 - Start saving the difference between your new house payment and your current rent/house payment. If your current rent is $750 and your new house payment will be $1100 then you need to save the difference to see how that feels. Can you do without your Dutch Brothers coffee each month - or whatever your luxury item is - and make up that difference? Worse case, you will decide home ownership is not for you yet and you will have some money to pay off a bill or go on a little vacay.
#3 - Let me get you pre-approved. Yes, this costs $25.00 for the credit report but it is worth it. And then you contact a real estate agent who knows the area you are looking in and go out there and purchase that new home.
It is as simple as 1, 2, 3
