{"teamId":"1230000405","campaignId":"2355","seriesId":"75257","from_email":"seb.mortgage@gmail.com","email_subject":"Top 3 signs you\u2019re ready to buy a home","attachment":"","email_message":"\r\n\t\r\n\t\t\r\n\t\t\t\r\n\t\t\t
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\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tHey {first_name},
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tDebating whether you're ready to own a home? Purchasing one is arguably the<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tbiggest investment you'll ever make, so your decision to buy shouldn't be taken<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tlightly.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tThus, below are 3 signs to help you decide if you're ready to become a home owner<\/span><\/div>\r\n\t\t\t\t
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  1. \r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tYou can qualify<\/strong><\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tIf you haven't gained control of the debt you already have, then the addition<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tof a mortgage debt can become an extreme burden. Lenders want to see a<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\thealthy debt to mortgage ratio and credit score before they qualify you for a<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tmortgage. If you've done the research and have the right amount saved for a<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tdown payment, then you may be ready to make the move.<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tKeep in mind that if you have less than a 20% down payment, you're<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\trequired to further purchase mortgage insurance, and this premium is added<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tto your monthly mortgage payments.
    \r\n\t\t\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\t2. You have enough $ for extra home owner costs<\/strong><\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tOnce you're a homeowner, you'll also have to pay for a few more expenses<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\teach year. These include property taxes, utilities (like gas, water and<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\telectricity) and ongoing maintenance costs (ie. for any repairs that may arise<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tunexpectedly.)
    \r\n\t\t\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\t3. You can handle the maintenance and repair responsibilities<\/strong><\/span><\/div>\r\n\t\t\t\t\t\t
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    \r\n\t\t\t\t\t\t\tUnless you're moving into a condo or townhouse that includes the<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tmaintenance, you'll need to take care of all the repairs on your own. These<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tinclude necessary tasks like painting, yard work, cleaning the gutters,<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\tchanging furnace filters, and fixing leaks, among other common maintenance<\/span><\/div>\r\n\t\t\t\t\t\t
    \r\n\t\t\t\t\t\t\titems.<\/span><\/div>\r\n\t\t\t\t\t<\/li>\r\n\t\t\t\t<\/ol>\r\n\t\t\t\t
    \r\n\t\t\t\t\tOwning a home is an exciting process, but the qualifying requirements, extra costs,<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tand responsibilities can make or break your decision.
    \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tAllow me help you get a clearer idea of whether you're ready to make the leap or<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tnot.
    \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tGive me a call today and let's chat:{{default_phone}}<\/span><\/div>\r\n\t\t\t\t
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\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t

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