IN Chartiers Valley Summer 2019 | Page 24

1. BUYING: Is buying always the better option over renting? This is a debate often discussed within the real estate market and the answer depends on a variety of variables including location, financials and length of time in the home. In general, it is advised to purchase a home if you plan to spend more than two years there. Not sure how long you’ll be in your home? Find the break-even point between renting and buying to help guide your decision. 2. BUYING: Be sure you can afford more than just the mortgage. Getting preapproved for a mortgage gives the buyer a sense of how much house he or she can afford, but don’t presume this figure to be your only monthly payment. Keep in mind costs that may not be as evident, such as utility bills, taxes, homeowners association dues, mortgage insurance and money needed to furnish your home. On top of that, consider closing costs (about 3-5 percent of the cost of your home) and the potential of paying private mortgage New Construction In A Walking Community • Half ACRE + Lots • Nationally Acclaimed Upper St Clair Schools Circle Dr • Every Home Designed By Our In-House Architect 1 min Call Today Only 9 Lots Left! 7 min Patty Thomas , Broker Rebecca Lutz , Realtor 4 min Wellington 724-731-0100 WellingtonRealEstatePA REAL www. 22 724.942.0940 TO ADVERTISE ESTATE .com ❘ icmags.com