IN Mars Area Summer 2016 | Page 22

S P E C I A L S E C T I O N : R E A L E S TAT E Homes for Sale: 250 Median Listing Price: $400,000 Median Closing Price: $265,000 Real Estate in Mars Area *Information from realtor.com/local 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 insurance (PMI) if you are unable to put 20 percent down on your home. 20 724.942.0940 TO ADVERTISE | Mars Area 3 BUYING: Getting an inspection can save you money in the long run. Inspection fees can range from $300-$500, allowing some to think they can save money by avoiding an inspection. In almost all instances, this is false. Many issues in a home may go unseen by the untrained eye. If an inspector reveals defects not disclosed by the seller, you are able to negotiate a new offer or rescind altogether. Without an inspection, these potentially costly issues would ultimately fall on the buyer’s shoulders. Continued on page 23 ➢