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Know exactly what you can afford before you start searching for a home.HOME PURCHASE QUALIFIER
The benefits outweigh the costs, every time.
Appreciation. A home is a long-term investment. Many homes increase in value as the debt attached to them decreases, and
many types of improvements may add to the total value.
Ownership. By purchasing a home, you’re investing in an asset over time — an asset you have a stake in. When your loan is paid off, you’ll own your home and will have built equity in it.
Equity. When you build equity, you’ll also have an option to borrow against it to gain access to funds through refinancing or a home equity line of credit. This may give you added flexibility if you’re looking to consolidate debt, make home improvements, pay for college tuition, or supplement your retirement income.
Stability. Rent costs can change dramatically, but with a fixed rate mortgage, you’ll know what your payments will be throughout the life of the loan. This keeps payments consistent and stable.
Deductions. Mortgage interest and property taxes are usually tax deductible. Other aspects like points and application and appraisal fees may also be deductible. Consult a tax advisor for further information.
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