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RealColumn.com
HOW MUCH COULD YOUR RENTAL PAYMENT BUY?

“HOW MUCH COULD YOUR RENTAL PAYMENT BUY?”

Have you thought about buying a home but felt you could not afford one now? Maybe you are right, or you could be wrong. A lot has happened to home financing in recent years. We now live in a time when there are many different types of mortgage loans available. They are all designed to appeal to various types of buyers based upon their financial needs.

Most people who are now renting don’t have much money saved up for the down payment on a house. There are some mortgage loans that have been tailored just for the low down payment buyer. If you think you need 20% of the purchase price in a down payment, you are mistaken. You can buy a home for 3% down. If you are a veteran with eligibility remaining, you can purchase with a zero down payment.

You may also be surprised at the selection of homes available in a price you can afford. Don’t assume that you cant buy. Get the facts you need to know where you stand.

Go to a local mortgage lender and find out how much financing you could qualify for. After obtaining this information, contact a local Realtor® in your area and ask him or her to show you the kinds of homes for sale in your price range.

If you see affordable homes that are appealing, you might want to seriously consider buying now rather than later. If you are discouraged by the selection in your price range, find out about how much higher down payment and/or earnings you will need to buy the house you would want.

Either way, you will know where you stand and have a clearer idea of what you have to do to become a home owner.








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