Owning your own home is a part of The American Dream. Whether this is your first home or time to move in to a home that better meets your needs, the decision deserves careful consideration.   Why Do You Want To Buy A Home? Are you tired of paying rent? Is it time to down size to a smaller home or condo? Do you need a bigger home, more bedrooms, a basement, or maybe a home office? Would you like a larger yard, or are you tired of yard work? Would you like to live closer to work, school, recreation, or family? Having a good idea of your reasons will help you choose the home that best "fits" your needs. Has Your Income Grown? Now would be a great time in invest in Real estate. Historically, home ownership has been a very safe investment. Home ownership can provide a means of "forced savings." Every month, part of a fully-amortized mortgage is applied toward paying down the principal amount of your loan. This in addition to any market appreciation in you area will build home equity over time. Can You Afford To Buy A Home? Experts recommend spending between 33-41% of your gross income on housing. If you're renting, you might be shocked when you add up what you've spent on rent over the years. Many people find the tax advantages of home ownership make it less expensive than renting! CLICK HERE Do You Have Down Payment Blues? While there may be advantages to making a down payment, many loan programs today allow you to buy your home with little or no down payment. CLICK HERE Do You Need A Tax Break? You may be pleasantly surprised to discover that you could afford to spend more money each month on a larger mortgage, because the tax benefits from your mortgage can actually lower your income taxes! CLICK HERE Back to top