Finding A Great Real Estate AgentFinding a Great Real Estate Agent

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Finding A Great Real Estate Agent

A few years ago, I realized that I was finally ready to buy a house. I didn't know when to start looking or what I needed to do in order to get things rolling, but I did know that I wanted to find a real estate agent who was willing to sit down with me and discuss my options. I began focusing on looking for different properties, and within a few days I found an agent who was uber-motivated. They walked me through every step of the real estate transaction process, and when it was over, I was happy with my final decision. Check out this website for tips on real estate.



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How To Analyze The Cost Of Home Ownership Before Buying A House

Before you even start looking at homes for sale, you should sit down and analyze how much it will cost you to own a house. Owning a house is expensive, and it often costs more than you think it will cost. Because of this, you should take the time to analyze just how much your bills and expenses will be if you bought a house, and here are some tips to help you with this.

Calculate your mortgage payments

The first thing you will want to do is to find out how much you can spend on a house to have mortgage payments you can afford, and you can do this with an online mortgage calculator. When you calculate this, you should realize and consider that your mortgage payment will not be the only payment you will have to make. Therefore, if you think you could afford $1,200 a month for a mortgage payment, you may want to look at all the other expenses first, and then reexamine this amount.

Add in property taxes and homeowner's insurance

The second expense you will have when you own a home is homeowner's insurance. This is something you will be required to get, and you may have to pay this monthly with your mortgage payment. Additionally, you will have to pay property taxes when you own a home. This too is something you may have to pay monthly. Mortgage companies often add these expenses in and create an escrow account you must use.

Factor in the cost of utilities

The third expense you will have is your utilities, and this can include gas, electric, water, and sewer. You can also include extra types of utilities if you plan on having them, such as Internet and cable.

Consider upgrades, repairs, and maintenance expenses you will have

Finally, you should add in at least $100 or $200 a month for upgrades or repairs your home will need. These are things you might be able to plan in some cases, but they may be surprise expenses in other cases. For example, if your drain gets clogged, you will need an emergency plumber to come fix it, and this could cost at least $100. You may encounter other types of emergency repairs too when you own your own house.

These are all expenses of owning a house, and you should make sure you add them all in when you are looking for a house to buy. By doing this, you will be able to find a house you can afford. To start viewing homes in your budgeted price, contact a real estate company today.