WHAT ARE YOU WAITING FOR?

I was sitting here hard at work and I got to thinking about the home buying process and how easy it is when you have a great advisor. My next thought was this to all of you people out there that don't own homes: WHAT ARE YOU WAITING FOR? Yeah I said it out loud; it's time to buy a home. If you can buy now and you haven't, shame on you, if you can't buy now then you need to get a game plan to buy eventually. Fortunately for you I can help you with both. Some quick Math and facts for you:

$700 a month rent, costs you $8400 a year and what does it get you? NOTHING! Ok, I'll give you one positive to renting and that's you have a roof over your head, and that is important. However the alternative is much better.

$700 a month mortgage (which is doable in this market) same out of pocket yearly expense $8400 a year and what does that get you? EVERYTHING? It equals a rental right off the bat by giving you a roof over your head, and after that it BLOWS RENTING OUT OF THE WATER. Some people don't think of a home like this, but maybe it will help: It's a "Bank Account", or a "Retirement fund. A piece of that $8400 you pay a year to "have a roof over your head" goes into that "Bank Account" or Retirement Fund." In other words, it's making you money and putting yourself in a position to provide for yourself, your future and your family or future family.

Trust me I could go on and on about the benefits, but do yourself a favor, multiple all of rent payments you have made in your life. What is that number? Sadly enough it could be hundreds of thousands of dollars. Then ask yourself this: What do you have to show for it? There are a few types of people in this country when it comes to the mere thought of homeownership and they are as follows.

1. The Homeowner: Which by definition is "one who owns the home he or she lives in." However my definition is this: "one that has done the necessary research and taken the necessary steps to put themselves in a position to better there financial situation in the long run." Plus it's the American Dream, congrats to all of you.

2. The Not Sure, un-informed Buyer: One that is potentially able to buy, but has not yet bought due to lack of knowledge. Tip: Call a professional, my number is 208-371-2284, I'm here to serve. One might say "I'm sure I can't afford to buy." And I say "How can you afford not to know." It’s simply a SMART DECSISION to find out where you are at right now there are only two possible answers: 1. Yes you can buy 2. No you cannot buy at this time. From that point it's easy, there's always a solution!

3. The Willing Unable Buyer: One that knows the benefits of homeownership but maybe is not in a position to buy yet for whatever reason. Maybe you are a college student and have no job, or maybe you've seen your credit score and it's not quite at the point it needs to be. Don't worry, your time will come, but it comes from you. College will end for you soon enough, and believe it or not Credit Scores do go up, call us to find out how.

4. The Willing Able Buyer: One that can buy today and will buy today, but needs to find the right home. Piece of advice: In this market, you could literally look FOREVER. Forever is a scary word with Interest rates threatening to go up and the bottom of the price barrel being right in front of our faces. You need a professional to help you make a decision, call me at 208-371-2284.

5. The Un-Willing Able Buyer: One that can buy today but won't for whatever reason. The main reason I’ve heard is "We are waiting for the bottom of the market." News Flash, it's here.. And sadly you probably won't realize it until it's gone.. So WHAT ARE YOU WAITING FOR?

6. The Un-Willing Un-Able Buyer: Enough Said.

Please Figure out where you fall and do yourself a favor take the necessary steps to put yourself in the number one slot as a HOMEOWNER. And remember this: "It's YOUR "BANK ACCOUNT," and It's YOUR FUTURE. And remember it's not whether you can afford it? It's whether you can afford not to? SO WHAT ARE YOU WAITING FOR?

We love what we do, we welcome change, we are CBH HOMES.