WELCOME

The time is here! Can you believe it? You’re about to buy a home! That’s a big deal! Purchasing a house is both exciting and challenging. We know you’re ready to start making memories in your dream home, but if you’re not careful, the house you buy can cause financial strain. So how can you feel at ease and buy an affordable home you love?

You came to the right place! We put all of our tried and true home-buying advice into a simple guide so you can buy a house that’s a perfect fit for you and your budget.

This step-by-step plan will walk you through the home-buying process to:

• Know how much house you can afford and plan for additional costs.
• Get a mortgage that saves you tens of thousands and learn how to get preapproved.
• Choose the right real estate agent, neighborhood and house.
• What to expect after you sign on the dotted line.

Whether you’re looking for a new home right now or home-buying is part of your future, this guide will help you make the process as simple as possible.

Let’s get started!

MY ACCOUNT

Log In to View the Following: My 3 Bureau Reports, Message System, & Budgeting Tool

I/we agree to your Privacy Policy Terms of Use and authorize Chase HomePath and/or their Preferred Providers for our area to receive the above information to assist in obtaining a home loan. I/we also authorize Chase HomePath, and/or their Preferred Providers for our area to contact us regarding but not limited to home buying services, mortgage, realtors, insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive text messages sent by an automatic telephone dialing system. Consent to these terms is not a condition of purchase.[/vc_column_text]

BUDGET

When it comes to personal finance, it’s best not to play the guessing game. Sometimes the easiest way to manage your monthly budget is to visualize it. With Chase HomePath budget calculator, it’s easier than ever to manage your finances.

Getting Started: Put Together a Budget

Take the time to add up your total monthly income from all sources and list your regular monthly expenses to create a monthly budget. Categorize expenses in groups to make the process simpler. For example, include mortgage payments or rent as well as utilities when you list an amount for housing. Transportation includes not just your car payments but gas, insurance, registration and repairs as well. Chase HomePath Free Budget Calculator gives you a boost toward getting this done by doing all the math for you.

Review Where Your Money Goes

One benefit of building a budget is that it forces you to track your spending and see in black and white (or in this case—color) where your money goes. This kind of expense-tracking exercise shows how even little costs add up.

Realize Your Goals

Creating a budget forces you to reevaluate your goals and priorities. If you aren’t saving money for the things you plan to do, you aren’t likely to do them. For example, rather than fantasize about buying a home or going back to school, include contributions to funding these goals in your monthly budget.

Emergency Planning: Prepare for the Unexpected

You can prepare for the unexpected by creating an emergency fund with sufficient cash to carry you through hard times. Your emergency fund should contain enough money to pay your bills for three to six months. Make your “emergency fund” a budget item and contribute small amounts monthly until the fund is large enough to serve as a safety net.

Free Budget calculator Online

PARTNERS

Sam Davis Realty
Ashley Robinson, Realtor
https://www.samdavisrealty.com/

Carlos Brown
Mortgage Banker (NMLS#1713145)
Phone: 252-419-4406 or 252-419-4407

RESOURCES

TRAININGS

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