Other Resources For Home Buyers
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We update new listings on our website and the Cascade Team app in minutes, not hours, so you can see them fast.
With Home Finder, you get alerts about new listings sent to your email or your Cascade Team app in a flash.
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Meet Your Cascade Team Agent
When you meet with your Cascade Team agent they will be listening to you. They want to learn about your needs and what's important to you.
Cascade Team agents stay on top of market conditions, the latest negotiation strategies and they'll keep you informed along the way.
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Tour Homes On Your Schedule
See a home you like? Your Cascade Team agent is ready to tour a home with you on your schedule. They'll have expert advice regarding the property, location and marketplace to help you make an informed choice.
How much can I afford?
It can be discouraging to find that your salary won't stretch as far as the home you want to own. However, sacrificing a huge part of your income just to pay the mortgage can very quickly make homeownership a burden rather than a point of pride. It's better to buy a modest home now and look at purchasing your "dream home" in a few years. Use our mortgage calculator below to see what your payment would be, and is it something you feel comfortable with.
What is your debt-to-income ratio?
This is something that lenders take very seriously. Your overall debt should not be more than 40% of your income, and your housing debt should not be more than 32%. What 32% of your income will buy depends on where you want to live. In rural or downtrodden areas, for example, it can buy a very comfortable residence and ample acreage. In highly sought-after urban areas, however, it may not even buy a 400 square foot studio.
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The Cascade Team Is Here To Help
Our real estate team is dedicated to helping you find the right home, at the best price. We want you to find the home that will make you happy and successful in real estate ownership. When you hire us to help you buy your first home, we want to know what you want and how much you can afford. Then we'll find a way to merge these two priorities and find a residence that you'll enjoy owning.
Keep your objectives in mind when visiting a home. Sometimes the idea of owning a home can overwhelm your practical sense, so keep your feelings in check. Keep a list handy of the features that you need and want in a home, and judge each home by the list instead of by details that could distract you from your goal. When you're alone with your agent, you can go over the pros and cons of each home. We can help you stay on track while still keeping our eyes out for a great property.
Make the offer. This can be a maze of "buyer", "seller", "chattels", "deposits", and "completion". We'll be happy to prepare the paperwork and go through it with you before submitting it. Remember, the seller may reject or counter your offer, so even at this late date, avoid setting your heart on the home you hope to own. You'll probably have to write a deposit check to the seller's broker that proves the seriousness of your offer.
From the first interview that determines your requirements, to the moment that you receive the keys, we can help you with the complicated process of buying a home. Don't hesitate to contact us to find out more about how we can make the home buying process easier! Contact us for more information about first time home purchasing or you can fill out the form below and we'll have one of our local real estate agents contact you with more information.