Home Buying Made Simple

Buying a home is one of the biggest financial moves that you will ever make. There are a number of issues you should be aware of, including how the costs of purchasing and owning a home will impact your overall financial planning goals.

To guide you through the home buying process, consider downloading the “What Should I Consider When Buying A Home?” checklist. 

In this checklist, we cover a number of financial issues that you need to consider when buying and owning a home, including:

  1. Cash flow issues, such as the costs to maintain the home once you own it, the impact that owning a home will have should one spouse need/want to stop working to raise children, as well as how long you intend to live in the home.

  2. Financing issues, including your debt ratios, qualification for advantageous mortgage terms and/or special lending programs (e.g., VA loans), and the loan application process.

  3. Income tax and estate planning issues, including mortgage interest deductibility, basis tracking, and how to properly title the home.

  4. Insurance issues, including property and casualty policies, and appropriate levels of life insurance coverage.

This is a comprehensive checklist of the types of issues that we discuss with our clients who are considering purchasing a home. Clients are not always fully aware of the financial ramifications of such a major decision, and it is our role as our clients' advisors to ensure that they are equipped to deal with these issues, allowing them to enjoy home ownership to its fullest.

Get the Home Buying Checklist Guide now!

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If you have any questions or need guidance regarding purchasing a home, we are HERE to help.

I can help you with:

  1.  Sales Advisory

  2. Escrow Management

  3. Mortgage Options

  4. Property Management

Joon Um

CA Real Estate Broker DRE# 01834874