Noble Realty

Planning to do something big...like buying a house or starting a business? Don't delay to take the first step.

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You cannot control the past but you have control over the life you build going forward. Nancy D. Butler

Don't be afraid to give up the good to go for the great. ~John D. Rockefeller #noblerealty #noblerealtor #noblerealestate #homebuyers #homebuying #homesellers #homeselling #sellyourhome #yoursatisfaction #isourpriority #realtoratyourservice #californiarealtor

Home-Buyer Tip: Budget for more than just your monthly mortgage payment The first step in the home buying process is determining how much house you can afford. Your lender will take a number of factors into considerationincluding your debt-to-income ratio, your credit score, and your intended down payment, plus projected taxes, insurance, and closing costsand provide you with the maximum home price you can afford. But before you go shopping for houses at the very tippy-to...p of your budget, there are additional costs to be considered: Utilities - Water, electricity, natural gas, garbage, and sewer bills can really add up. When you're interested in a home, check out the average utility bills provided in the listing information. And for more accurate information, don't be afraid to ask the buyer for copies of their most recent utility bill statements! HOA fees - These fees can range from the minuscule to the obscene. Twenty-five bucks a year is no biggiebut a payment like $250 a month will greatly impact the amount of house you can afford. Home maintenance - Did you fall in love with a home that has a beautiful, expansive lawn? Do you have zero intentions of mowing it yourself? Figure out how much it will cost each month to hire out your lawn care, and then make sure that home still fits in your budget. Repairs - Some repairs can be predicteda 30-year-old boiler, for instance, is bound to need repairs or replacement in the near futurebut others will catch you by surprise. It is recommended that you budget for home maintenance and repairs to cost 1% to 2% of your home's value each year. As you begin shopping for your new home, remember that just because your lender says you can afford a certain amount, it might make better financial sense to limit yourself to homes that are slightly below the very top of your budget.

Just a thought... #noblerealty #noblerealtor #noblerealestate #homebuyers #homebuying #homesellers #homeselling #sellyourhome #yoursatisfaction #isourpriority #realtoratyourservice #californiarealtor