Are You Ready to Buy a Home?
Your income and job status:
Has been steady for a couple years
Has been steady for at least six months
Isn't that steady yet
Can you afford a down payment on a home?
Maybe, with a little help
Do you know what any of the following are: ARM, Fixed Rate Loan, Private Mortgage Insurance, Escrow, and Buyer's Agent?
You know all of these
You know most of these
You know only a few of these (or none of them)
Do you know how much you can afford to spend on a home?
Yes, you've calculated what you can afford based on current interest rates and your down payment
Somewhat - you may have to stretch a little
How much debt do you have?
Little to none
A fair amount - it definitely cuts into your paycheck
More than you'd like. It's hard to pay it off.
Are you likely to move away from your city any time soon?
No, not at all.
Maybe sometime a few years from now.
You're fairly likely, actually.
After buying a home, how much money would you have left over for repairs, furniture, and incidental expenses?
At least a few thousand dollars
At least few hundred dollars
Probably not much
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