Home With Joy

Things I considered while looking at homes #HomeWithJoy

After I spoke with the mortgage officer, I started looking at houses. Bad idea. Why? Because I had no parameters in place. I saw houses I couldn’t afford, houses that were too big, etc. To prevent further overwhelm, I got realistic and wrote down a list of all the things I needed to consider when looking at homes.

Monthly mortgage payment

One of my non-negotiables was that I wanted to pay less than $1,000/month for my mortgage. The whole point of buying a home was to not continue dealing with the yearly rise in rent.

Square footage

I knew that I wanted to live in a smaller size house, no more than 1,000 square feet. Heating/Cooling a larger home would be expensive and I didn’t want to spend the money on that. Plus I was used to living comfortably in smaller apartments.

Neighborhood

There were some places in #RVA that I wasn’t going to be able to live in because the housing prices were beyond my budget.

I also wanted to live close enough to my favorite shopping locations, restaurants, and bars.

Exterior design

I was interested in brick homes. I love the classic look, plus there’s practically no upkeep. I also knew that I didn’t want vinyl siding or stucco because of the maintenance.

Heating/Cooking Source

I wanted my home to only use electricity for heating and cooking. Gas (cooking/heating) and oil (heating) are both expensive and I didn’t want to make room in my budget for either of them.

Condition of the windows

When I was looking at houses in-person, I paid close attention to the windows. If the seller was unwilling to pay for new windows or lower the sales price, I might have to pay for them myself (or wall away).

Will my current furniture fit?

Buying new furniture wasn’t in my budget, so I knew that all of the furniture that I already had needed to fit into the home I chose. I can always buy furniture that’s more suitable for my home later.

I encourage you to take some time to create this list. It can save you time and money, both of which are valuable in the home buying process.

Until next time,

Joy

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