Hey {first_name},
 
Debating whether you’re ready to own a home? Purchasing one is arguably the biggest
investment you’ll ever make, so your decision to buy shouldn’t be taken lightly.
 
Thus, below are 3 signs to help you decide if you’re ready to become a home owner
 
1. You can qualify
 
If you haven’t gained control of the debt you already have, then the addition of a
mortgage debt can become an extreme burden. Lenders want to see a healthy debt
to mortgage ratio and credit score before they qualify you for a mortgage. If you’ve
done the research and have the right amount saved for a down payment, then you
may be ready to make the move.
Keep in mind that if you have less than a 20% down payment, you’re required to
further purchase mortgage insurance, and this premium is added to your monthly
mortgage payments.
 
2. You have enough $ for extra home owner costs
 
Once you’re a homeowner, you’ll also have to pay for a few more expenses each
year. These include property taxes, utilities (like gas, water and electricity) and
ongoing maintenance costs (ie. for any repairs that may arise unexpectedly.)
 
3. You can handle the maintenance and repair responsibilities
 
Unless you’re moving into a condo or townhouse that includes the maintenance,
you’ll need to take care of all the repairs on your own. These include necessary tasks
like painting, yard work, cleaning the gutters, changing furnace filters, and fixing
leaks, among other common maintenance items.
 
Owning a home is an exciting process, but the qualifying requirements, extra costs, and
responsibilities can make or break your decision.
Allow me help you get a clearer idea of whether you’re ready to make the leap or not.
 
Give me a call today and let’s chat: %AGENTPHONE%.
 
Looking forward to hearing from you,
 
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