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More Questions to Ask Yourself Before Buying Your First Home

More Questions to Ask Yourself Before Buying Your First Home

You’ve got a solid job, saved a significant amount of money for a down payment, and your credit score is nothing to shake a stick at. You even know your debt-to-income ratio, and it’s actually good.

So, you should be ready to own your first home, right? It all depends. Here are some important questions to ask yourself.

How Much House Can I Actually Afford?

When you meet with a mortgage lender to take a comprehensive look at your finances they’ll give you a clear picture of how much home you’re qualified to buy. Although what you can technically afford as a monthly payment might be your primary focus, you should also consider how well you can manage operating expenses, like costs for insurance, property taxes, and home maintenance.

Experts at home and décor site Apartment Therapy suggest you perform a litmus test to see if you can afford these kinds of expenses in addition to your mortgage payment. You should save an extra 40 percent of your monthly mortgage payment in a savings account each month. If you can do this for several months without struggling, you just might be ready to purchase a home.

Is the House in a Desirable Location?

Location, location, location. If you’ve got your heart set on a particular home don’t just focus on the property alone, but on the surrounding area as well. Consider factors like noise—is the property located near a busy highway where you might hear beeping horns, revving engines, and screeching tires on a regular basis? Is it near a school where playground or game day noise can be heard? Are there commercial businesses very close by, and what impact might they have on your experience?

These factors can not only affect your experience as a homeowner, but your ability to rent or sell the property in the future, should you decide to move.

Am I Willing to Roll-Up My Sleeves?

Are you pretty handy? If you’ve always wanted to try your hand at do-it-yourself projects finding a house that’s a fixer-upper could be ideal and may help you get more bang for your buck, or negotiate a more favorable asking price.

Are You Buying a Home Along 30A?

If you’re thinking about buying a home for sale on 30A, we can help you. Sign up for exclusive access to the hottest listings – we’ll notify you as soon as homes that meet your needs hit the market!

You can also check out all our 30A real estate listings or get specific with these links:

  • Alys Beach homes for sale
  • Destin homes for sale
  • Grayton Beach homes for sale
  • Panama City Beach homes for sale
  • Santa Rosa Beach homes for sale
  • WaterColor homes for sale
3010 E County Hwy 30A
$19,900,000
  • 7 Bedrooms
  • 10 Bathrooms
  • 9,981 Sq Ft
  • 0.250 Acres

3010 E County Hwy 30A Santa Rosa Beach, Florida

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8512 E County Hwy 30a
$12,990,000
  • 9 Bedrooms
  • 12 Bathrooms
  • 9,357 Sq Ft

8512 E County Hwy 30a Inlet Beach, Florida

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200 Eastern Lake Road
$12,750,000
  • 5 Bedrooms
  • 8 Bathrooms
  • 7,154 Sq Ft

200 Eastern Lake Road Santa Rosa Beach, Florida

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47 Hinton Drive
$12,500,000
  • 8 Bedrooms
  • 9 Bathrooms
  • 8,475 Sq Ft
  • 0.700 Acres

47 Hinton Drive Santa Rosa Beach, Florida

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2182 E County Hwy 30A
$10,950,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 5,335 Sq Ft

2182 E County Hwy 30A Santa Rosa Beach, Florida

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756 Blue Mountain Road
$9,495,000
  • 6 Bedrooms
  • 9 Bathrooms
  • 8,277 Sq Ft
  • 0.260 Acres

756 Blue Mountain Road Santa Rosa Beach, Florida

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208 Paradise By The Sea Boulevard
$8,999,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 6,900 Sq Ft

208 Paradise By The Sea Boulevard Inlet Beach, Florida

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427 E Water Street
$8,200,000
  • 6 Bedrooms
  • 6 Bathrooms
  • 3,628 Sq Ft
  • 0 Acres

427 E Water Street Rosemary Beach, Florida

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12 S Spanish Town Lane
$7,800,000
  • 7 Bedrooms
  • 8 Bathrooms
  • 5,159 Sq Ft
  • 0.130 Acres

12 S Spanish Town Lane Rosemary Beach, Florida

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4895 W County Hwy 30A
$7,650,000
  • 5 Bedrooms
  • 7 Bathrooms
  • 6,751 Sq Ft
  • 0.390 Acres

4895 W County Hwy 30A Santa Rosa Beach, Florida

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517 Beachside
$7,500,000
  • 8 Bedrooms
  • 10 Bathrooms
  • 6,096 Sq Ft
  • 0.850 Acres

517 Beachside Panama City Beach, Florida

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152 E St Lucia Lane
$7,195,000
  • 5 Bedrooms
  • 6 Bathrooms
  • 4,646 Sq Ft

152 E St Lucia Lane Santa Rosa Beach, Florida

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86 Tidal Bridge Way
$7,000,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 4,765 Sq Ft

86 Tidal Bridge Way Inlet Beach, Florida

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28 W Spanish Town Court
$6,995,000
  • 5 Bedrooms
  • 5 Bathrooms
  • 5,017 Sq Ft
  • 0.070 Acres

28 W Spanish Town Court Rosemary Beach, Florida

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281 Pompano Street
$6,699,000
  • 6 Bedrooms
  • 5 Bathrooms
  • 5,694 Sq Ft

281 Pompano Street Inlet Beach, Florida

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Posted in: Buyers, Life Hacks and How-To, Tips Tagged: 30A, 30a real estate, Blog, Buyers, Buying a Home, credit, First Time Homebuyer, Tips

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