These four questions can help you make smarter mortgage and housing choices:

1. Why is it better to buy a home right now vs. renting a home?

Buying a home usually requires more upfront capital, more ongoing expenses and a longer-term commitment. Make sure to run the numbers with a professional to evaluate whether you’d be better off buying vs. renting.

2. How can I make sure this fits into my short-term and long-term budget?

Make sure to compare your options when it comes to:

  •  Choosing a down payment amount and strategy
  • Choosing a monthly payment scenario
  • Choosing a price range for your new home

3. How will this financial decision impact other areas of my life?

Make sure to think through how your cash flow situation will impact:

  • Children’s college funding o Retirement planning
  • Taking care of elderly parents
  • Other large financial purchases or commitments

4. What mortgage and home buying strategy will result in less overall financial risk?

The mortgage is most likely going to be your single-largest debt, and your home is most likely going to be your single largest investment. That’s why it’s important to evaluate and compare your options with a mortgage professional.

Our licensed Loan Officers are always ready to answer your questions.

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