Byers & Harvey, Inc.
Bruce A. Griffy, Broker

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Clarksville First-Time Homebuyers

Are you Ready for the Commitment?


Your new home will probably be the largest investment you will ever make. It's a lot of work and will always need maintenance. Before you start house hunting and comparing mortgage companies, make sure you are up for it. Examine your current situation and how it could change in the future. 

A Few Things to Ask Yourself:

Are you planning on any major life changes in the next few years that could impact your financial situation? Getting married, starting a family or changing jobs are a few life events that can have dramatic changes on your finances.

~Can you Commit to being in the Home for 5 years? You really don't start getting equity in a home, in a normal market, until about 5 years. 

~Do you have a Stable Income? Commission Jobs can be unstable.

~Are you confident you can handle home repairs (take time to learn) or pay a contractor when something goes wrong? 

Buying vs. Renting


Consider what matters to you.

Benefits of Buying

~No Landlord means you can make changes without anyone else's approval.

~Unlike rent payments, the interest you pay with your mortgage payments can be tax-deductible.

~You can find a mortgage that fits your budget.

Benefits of Renting

~Landlord takes care of repairs and upgrades.

~No Homeowners insurance or property taxes

~Moving can be easier since you won't have to sell your home or find renters.


Evaluate Your Financial Situation Before Buying a Home


Start by reviewing your bank accounts and billing statements to get a handle on how much money you're making and spending each month. If you are purchasing a home with someone else, review their finances as well.

Now, Ask Yourself these questions:



~Do you have a stable income/job?

~Are you able to save money each month?

~Do you have a plan for managing debt, like student loans?

~Do you typically pay your credit card debt quickly?

~Do you have some money saved for an Emergency Fund? Usually 3-6 months of expenses.

~Do you have money saved for a Down Payment and Closing Costs? Don't use emergency funds for this. Being House Broke is no fun!


Contact Me Now For A Free One On One First-Time Homebuyers Class!

Click on the Links Below for More Information

 

For Buyers


12 First-Time Homebuyer Mistakes to Avoid

Advantages of Owning a Clarksville Home

The Right Clarksville Home for You

What Can You Afford?

The Truth About Credit

FHA Home Loans
 
The Home Buying Process for Veterans  VA Website

 

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