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Housing Assistance: How To Find The Right House

Buying your first home can be an exciting venture, but it can also be overwhelming. There are so many homes on the market that it can be hard to narrow down your search.

When viewing homes, agents will tell you the pros of every house you see. Because of this, it can be easy to become enamored with a home that may not be the best fit for you.

If you purchase a house that is not a good fit for your needs, you may end up feeling unsatisfied with your decision down the road.

To prevent this from happening, there are certain factors you should consider before beginning the home-finding process.

For more information on what you should consider before buying a home, like location, resale value, grants and more, refer to the sections below.

Long-Term Plans

When buying a home, you should consider more than just your current circumstances. A home is a long-term commitment. Therefore, you need to think of the future. If you are moving into the house alone, do you plan on having others move in with you if you get married or something else happens? Are you planning on having children?

If so, space for them will need to be factored into what you need in a home. Are you planning on renting the home out to multiple people?

If so, the layout of the home may need to be a bit different than if you were planning on living in it alone.

Resale Value

As previously mentioned, buying a home is a long-term commitment, but you may eventually want to sell the home. Because of this, you need to think about what you will do with the home if something happens and you need to move out.

Does the home have great resale value? Will you be able to easily get a return on your investment on your home if you have to sell it? How long has the house been on the market?

A house that has been sitting on the market for a long period of time may be overpriced, and you may not be able to make your money back if you need to sell your home quickly.

Will you be able to rent out the home if you need to move? These are all factors that should be considered when searching for a home.

Attributes the Home Needs

There are many houses on the market that offer many different benefits. It is easy to get distracted by all of the new features of modern homes.

However, it is more important to focus on the benefits that your house needs and not to get caught up in all of the new fancy features available.

In order to remain focused on the essentials of the home, it is a good idea to make a checklist. Separate the list into needs and wants. For instance, if you have three people in your family, you might say that the house needs to have at least two or three bedrooms.

You should also include the number of bathrooms that you need to have. Be sure to write down whether or not you need a basement, a big backyard for your pet, etc.

Next, you should write down the features that you want that are not necessarily deal breakers if the home does not have them. This can include finished basements, pools, an open concept and more. By making this list, you will ensure that you only focus on homes that fit your needs.

Homeowner Expenses

Home buying can be an expensive process. In fact, it is probably more expensive than you think. That’s why, when considering a home, you need to take more than the principle, interest, taxes and insurance into account.

You must also consider the cost of utilities, commuting to and from work and any upgrades that you will need to make to the home. In order to find out how much your utilities will be, call the utility companies that are currently servicing the home that you are considering purchasing.

You can then ask them for an estimate of what your utilities will cost. If the home is further from your job and places that you frequently go, then you may end up spending more in gas for your car. All of these expenses should be considered when determining whether or not the house is right for you.


Your home’s neighborhood is a very important factor to consider when choosing a home. Even if a home has everything you want, it might not be the right home for you if it is in a bad area.

If you plan on having or already have children, you should consider the school district that the home belongs to.

Are the schools good? Do they have high ratings? Check the crime ratings of the area, as well. You would not want to unknowingly move into an area with a high rate of break-ins and other crimes.

The Homeowner’s Association (HOA) Contract

If the home that you are considering purchasing is part of an HOA, then you need to consider all aspects of this arrangement. Ask for a copy of the HOA contract once you view the home. That way, you can determine if the home is right for you before signing a purchasing contract.

Some HOA have stricter and more burdensome than others. For instance, if you plan on renting the home out in the future, some HOAs may allow this after one or two years, while some may not.

It is important to be aware of these regulations so that you do not waste your time and efforts on a home that does not fit your needs.

Grants and Funding

You may have never considered using grants to help you afford your home. However, there are many options out there that may be able to help you even if you have a relatively high income.

There are grants that are based on your occupation, such as grants for teachers, police officers and farmers.

There are also grants that are dependent on the home’s location, such as grants that are for homes in rural areas and homes in high-poverty areas. It is important to research all of the grants that could be available to you to make sure that you get the best deal on a home.

Considering these factors before purchasing a home will help make the home-buying process run more smoothly and ensure that you purchase a home that will be a good fit for you for years to come.

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