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To Buy or Rent? Learn Whether You’re Ready for Homeownership

    Home Archive To Buy or Rent? Learn Whether You’re Ready for Homeownership
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    Learn Whether You Should Buy or Rent to Prepare for Homeownership

    To Buy or Rent? Learn Whether You’re Ready for Homeownership

    By northstarins | Archive, Personal Insurance | Comments are Closed | 10 January, 2017 | 0

    Determine if you should buy or rent your home!

    Homeownership is exciting, but it isn’t always attainable. When it comes to your living situation, determine whether you should buy or rent. Weigh all the costs and benefits so that you know if you’re ready for homeownership. Check out how to determine if you’re ready to buy or rent.

    Down Payment. 

    When it comes to deciding whether you’re ready to buy a new home, it’s important to consider your finances. Think about whether you have enough money to settle down with a substantial down payment. If you have savings to use and you know you’re financially stable enough to afford monthly mortgage payments, it’s not a bad idea to buy. However, if you’re struggling financially, it may be best to hold off on buying and continue to rent.

    Home Maintenance.

    A home is more than just a down payment and a mortgage. In addition to your housing payments, you must also be able to afford home maintenance costs. From fixing a leaky roof to paying homeowners association fees, keep in mind that there are lots of additional costs to consider. Factor these into your budget. If these added factors are a little too steep for your finances, consider holding off on homeownership.

    Establish Community.

    When buying a home, you’re establishing roots. It’s a place where you can settle down and partake in a community. Buying a home is a more permanent way of establishing yourself within a community. If you’re not looking to settle down just yet, consider continuing to rent as it’s easier to pick up and move.

    Determine whether you’re ready for homeownership. Whether you buy or rent, protect your living space with the right insurance. Contact the professionals at NorthStar Risk Management & Insurance Services, Inc. in Walnut Creek, California for all your commercial and personal insurance needs.

    buy or rent, homeowners insurance, homeownership, ready to buy, renters insurance

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