Rebecca Francis PA? Founded in the 1700’s by Moravians, the “Christmas City” is famous for its rich colonial and industrial history. It’s living a cultural and economic renaissance ongoing with cool farm markets and brunch spots, wineries and chocolate shops, romantic date nights that have dinner and a show, or a reservation at 2021’s #1 Historic Hotel of America, The Hotel Bethlehem. Sports venues, concert halls, museums, chic restaurants, ski resorts, and even a hidden ivy league university considered the best in research in the nation. See extra details on read more. Placed in the top 1% of Berkshire Hathaway agents nationwide, Rebecca L. Decker Francis and her team specialize in the Lehigh Valley luxury home market. Combining their professional marketing expertise, business acumen and extensive connections both locally and abroad, Rebecca and her team can help buyers and sellers alike achieve their goals. Whether buying or selling a fine home, their access to the latest technologies and market research, along with their ability to network with other top luxury agents will benefit clients and enhance their buying or selling experience.
Now that you know the “fair market value” of the home you like, it’s time to determine how much you are willing to pay. Establishing this prior to making a formal offer helps define your personal limits. You should determine how much to offer, how much earnest money you will put down, how much of the closing costs you will ask the seller to pay, when you plan to settle, and what inspections you plan to have conducted. Your agent will offer great advice for structuring your offer. Remember to ask your agent about contingencies and their importance. If you don’t fully understand something, be sure to clarify it.
Break Down Your Income & Expenses: Credit for this one goes to user GeekLimit on Reddit – one of my favorite personal finance tips! This is an odd little trick that can change the perspective you have about your money, and help you budget better. It’s all about breaking your income and expenses down into daily values, like this: You make $2,500/month = ~$83/day. You pay $800/month for rent = ~$27/day. You pay $200/month for car insurance = ~$7/day. Everything else (food, phone, gas, etc.) comes to $750/month = ~$25/day. That means you’re left with $24/day in spending money. Want to save $1,000 for a nice vacation? You’ll have to save about 42 days worth of your spending money. That means 42 days of not spending a dime. Want to buy a new $10,000 car? That’s about 416 days worth of your spending money. This will help you see how far purchases are going to set you back and affect your spending ability.
There will be times when you have the opportunity to create more space through proper organization and utilizing it efficiently. There are also some homes that just won’t allow you to store much stuff because there is no attic or basement, and the storage closet outside is relatively small. Millennial attraction to homeownership has grown significantly in recent decades. Mostly because there are now options where a 20% down payment is not the requirement. This gives a much larger pool of buyers the ability to buy a home. Especially, first time home buyers who receive a lot of help!
Consider the possibilities of added free time in your schedule when your door-to-door commute is cut in half and your spending power is multiplied thanks to an affordable cost of living. Picture the opportunities for learning—ranging from numerous public, charter, and private K-12 offerings to nationally-ranked colleges and universities—that will enable you and your family to thrive. To top it off, you’ll be surrounded by world-class healthcare providers offering everything from general practice to specialized surgery, rehabilitation, athletic performance training, and more. All that (and more) is Made Possible in Lehigh Valley. The region has been recognized as one of the fastest-growing economies in the nation, and is just a short drive away from major mid-Atlantic cities including New York City, Philadelphia, Baltimore, and Washington D.C.
Lastly, take a moment to ensure you actually want to buy a home as opposed to continuing to rent. I constantly hear the old “throwing away money on rent” line and it never gets old. Then I proceed to fantasize about renting with not a care in the world. Are you sure you’re throwing away money on rent? Renting can be pretty awesome. You don’t pay property taxes, homeowners insurance, HOA dues, PMI, or mortgage interest. And you can leave whenever you want. That sounds like a sweet deal too. Oh, and if anything goes wrong, you can just call your landlord or property management company. With a home, the problem is yours, and yours alone to deal with. Broken water heater? You’re paying thousands out of pocket, not the landlord. See extra details on https://rebeccafrancisteam.foxroach.com/.